EXHIBIT 10.12.2 State
Bank of Long Island 401(k) Retirement Plan and Trust, as amended, Adoption
Agreement, as amended

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|STATE BANK OF LONG ISLAND 401(K)
 RETIREMENT PLAN AND TRUST
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Nonstandardized 401(k) Plan

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

The
undersigned Employer, by executing this Adoption Agreement, establishes a
retirement plan and trust (collectively Plan) under the Prudential Retirement
Prototype Plan (basic plan document #03). The Employer, subject to the
Employers Adoption Agreement elections, adopts fully the Prototype Plan and
Trust provisions. This Adoption Agreement, the basic plan document and any
attached Appendices or agreements permitted or referenced therein, constitute the
Employers entire plan and trust document. All
Election references within this Adoption Agreement are Adoption Agreement
Elections. All Article or Section references are basic plan document
references. Numbers in parentheses which follow election numbers are basic plan
document references. Where an Adoption Agreement election calls for
the Employer to supply text, the Employer (without altering the content of any
existing printed text) may lengthen any space or line, or create additional
tiers. When Employer-supplied text uses terms substantially similar to existed
printed options, all clarifications and caveats applicable to the printed
options apply to the Employer-supplied text unless the context requires
otherwise. The Employer makes the following elections granted under the
corresponding provisions of the basic plan document.

ARTICLE I
DEFINITIONS

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|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | 
|1.                                                                                                                                                                                                                                                                                                                                                                                                                            | EMPLOYER (1.23).                                                         
|                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                          
|                                                                                                                                                                                                                                                                                                                                                                                                                              | Name:
 State Bank of Long Island                                         
|                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                          
|                                                                                                                                                                                                                                                                                                                                                                                                                              | Address:
 2 Jericho Plaza, Wing C, Jericho, New York 11753               
|                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                          
|                                                                                                                                                                                                                                                                                                                                                                                                                              | Phone
 number: (516) 465-2260                                            
|                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                          
|                                                                                                                                                                                                                                                                                                                                                                                                                              | E-mail
 (optional): __________________________________                   
|                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                          
|                                                                                                                                                                                                                                                                                                                                                                                                                              | Employers
 Taxable Year: ____________________________                   
|                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                          
|                                                                                                                                                                                                                                                                                                                                                                                                                              | EIN:
 11-2124927                                                         
|                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                          
|2.                                                                                                                                                                                                                                                                                                                                                                                                                            | PLAN (1.40).                                                             
|                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                          
|                                                                                                                                                                                                                                                                                                                                                                                                                              | Name:
 State Bank of Long Island 401(k) Retirement Plan and Trust        
|                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                          
|                                                                                                                                                                                                                                                                                                                                                                                                                              | Plan
 number: 002 (3-digit number for Form 5500 reporting)               
|                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                           |                                                                                                                              
|                                                                                                                                                                                                                                                                                                                                                                                                                              | Trust
 EIN (optional):
 __________________________________               
|                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                          
|3.       PLAN/LIMITATION
 YEAR (1.42/1.33). Plan Year
 and Limitation Year mean the 12 consecutive month period (except for a short
 Plan/Limitation Year) ending every (Complete
 (a) and (b)):                                                                                                                                                                                                                             
|                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                          
|[Note: Complete any applicable blanks under Election
 3 with a specific date, e.g., June 30 OR the last day of February OR the
 first Tuesday in January. In the case of a Short Plan Year or a Short
 Limitation Year, include the year, e.g., May 1, 2008.]                                                                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                             
|(a)                                                                                                                                                                                                                                                                                                                                                                                                                           | Plan Year (Choose
 one of (1) or (2) and choose (3) if applicable):      
|                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                          
|                                                                                                                                                                                                                                                                                                                                                                                                                              | (1)                                                                       | [X]                                                                                                                           | December 31.                                                                                                                                                                                                                                                                     | 
|                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                           |                                                                                                                              
|                                                                                                                                                                                                                                                                                                                                                                                                                              | (2)                                                                       | [  ]                                                                                                                          | Fiscal Plan Year: ending: ____________.                                                                                                                                                                                                                                         
|                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                           |                                                                                                                              
|                                                                                                                                                                                                                                                                                                                                                                                                                              | (3)                                                                       | [  ]                                                                                                                          | Short Plan Year: commencing: ____________ and ending:
 ____________.                                                                                                                                                                                                            
|                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                           |                                                                                                                              
|(b)                                                                                                                                                                                                                                                                                                                                                                                                                           | Limitation Year (Choose
 one of (1) or (2) and choose (3) if applicable):
|                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                          
|                                                                                                                                                                                                                                                                                                                                                                                                                              | (1)                                                                       | [X]                                                                                                                           | Generally same as Plan Year. The Limitation
 Year is the same as the Plan Year except where the Plan Year is a short year
 in which event the Limitation Year is always a 12 month period, unless the
 short Plan Year (and short Limitation Year) result from a Plan amendment.
|                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                           |                                                                                                                               |                                                                                                                                                                                                                                                                                 
|                                                                                                                                                                                                                                                                                                                                                                                                                              | (2)                                                                       | [  ]                                                                                                                          | Different Limitation Year: ending:
 ____________.                                                                                                                                                                                                                               
|                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                           |                                                                                                                               |                                                                                                                                                                                                                                                                                 
|                                                                                                                                                                                                                                                                                                                                                                                                                              | (3)                                                                       | [  ]                                                                                                                          | Short Limitation Year: commencing:
 ____________ and ending: ____________.                                                                                                                                                                                                      
|                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                           |                                                                                                                               |                                                                                                                                                                                                                                                                                 
|4.       EFFECTIVE
 DATE (1.19). The Employers
 adoption of the Plan is a (Choose one of
 (a), (b), or (c). Choose (d) if applicable):                                                                                                                                                                                                                                                                                      
|                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                          
|(a)                                                                                                                                                                                                                                                                                                                                                                                                                           | [  ]                                                                      | New Plan. The Plans Effective Date is: ____________.                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                           |                                                                                                                              
|(b)                                                                                                                                                                                                                                                                                                                                                                                                                           | [X]                                                                       | Restated Plan. The Plans restated Effective Date is: January
 1, 2002. The Plans original Effective Date was: June 1, 1987.
|                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                           |                                                                                                                              
|[Note:
 See Section 1.51 for the definition of Restated Plan. If this Plan is an EGTRRA restatement: (i) the
 EGTRRA restatement Effective Date must be the later of the beginning of the
 2002 Plan Year or the Plans original Effective Date; and (ii) if specific
 Plan provisions, as reflected in this Adoption Agreement, do not date back to
 the EGTRRA restatement Effective Date, indicate as such in Appendix A.]

© 2008 Prudential

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Nonstandardized 401(k) Plan

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

| |    |                        |             |                        |                       
| | -- | ---------------------- | ----------- | ---------------------- | ----------------------
| |    | Name
 of merging plan  | Merger date | RestatedEffective Date | OriginalEffective Date
| |    |                        |             |                        |                       
| | a. | ______________________ | ___________ | ___________            | ___________           
| |    |                        |             |                        |                       
| | b. | ______________________ | ___________ | ___________            | ___________           

|                                                                                                                                                                                                                                                      |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|(d)                                                                                                                                                                                                                                                   | [  ] | Special Effective Date for Elective Deferral provisions:
 ___________________________________________                                                                                                                                                                                                                                                                                                                                                                                                
|                                                                                                                                                                                                                                                      |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|5.       TRUSTEE (1.65). The Trustee executing this
 Adoption Agreement is (Choose one of (a),
 (b), (c), (d), or (e). Choose (f) if applicable):                                                                                                    
|                                                                                                                                                                                                                                                      |     
|(a)                                                                                                                                                                                                                                                   | [  ] | A discretionary Trustee. See Section
 8.02(A).                                                                                                                                                                                                                                                                                                                                                                                                                                                       
|                                                                                                                                                                                                                                                      |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|(b)                                                                                                                                                                                                                                                   | [  ] | A nondiscretionary (directed) Trustee or Custodian. See Section
 8.02(B).                                                                                                                                                                                                                                                                                                                                                                                                                            
|                                                                                                                                                                                                                                                      |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|(c)                                                                                                                                                                                                                                                   | [  ] | A Trustee under the Prudential Trust Company Trust
 Agreement, a separate trust agreement the Trustee has executed and that the IRS
 has approved for use with this Plan. Under this Election 5(c): (i) the
 Trustee is not executing the Adoption Agreement; and (ii) Article VIII of the
 basic plan document and any other basic plan document provisions which affect
 the Trustee do not apply, except as indicated otherwise in the separate trust
 agreement. See Section 8.11(C).            
|                                                                                                                                                                                                                                                      |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|(d)                                                                                                                                                                                                                                                   | [X]  | A Trustee under the Prudential Bank & Trust Company, FSB Trust
 Agreement, a separate trust agreement the Trustee has executed and
 that the IRS has approved for use with this Plan. Under this Election 5(d):
 (i) the Trustee is not executing the Adoption Agreement; and (ii) Article
 VIII of the basic plan document and any other basic plan document provisions
 which affect the Trustee do not apply, except as indicated otherwise in the
 separate trust agreement. See Section 8.11(C).
|                                                                                                                                                                                                                                                      |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|(e)                                                                                                                                                                                                                                                   | [  ] | A Trustee under the Pre-Approved Trust Agreement, a separate
 trust agreement the Trustee has executed and that the IRS has approved for
 use with this Plan. Under this Election 5(e): (i) the Trustee is not
 executing the Adoption Agreement; and (ii) Article VIII of the basic plan
 document and any other basic plan document provisions which affect the
 Trustee do not apply, except as indicated otherwise in the separate trust
 agreement. See Section 8.11(C).                        
|                                                                                                                                                                                                                                                      |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|(f)                                                                                                                                                                                                                                                   | [  ] | Permitted Trust amendments apply. Under Section
 8.11 the Employer in Appendix C has made certain permitted amendments to the
 Trust. Such amendments do not constitute a separate trust under Election
 5(c), 5(d), or 5(e).                                                                                                                                                                                                                                                                        
|                                                                                                                                                                                                                                                      |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|6.       CONTRIBUTION
 TYPES (1.12). The Employer
 and/or Participants, in accordance with the Plan terms, make the following
 Contribution Types to the Plan/Trust (Choose
 one or more of (a) through (h) as applicable. Choose (i) if applicable):
|                                                                                                                                                                                                                                                      |     
|(a)                                                                                                                                                                                                                                                   | [X]  | Pre-Tax Deferrals. See Section 3.02 and Elections 20-23.                                                                                                                                                                                                                                                                                                                                                                                                                                             
|                                                                                                                                                                                                                                                      |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|(b)                                                                                                                                                                                                                                                   | [  ] | Roth Deferrals. See Section 3.02(E) and Elections 20, 21,
 and 23. [Note: The Employer may not limit
 Elective Deferrals to Roth Deferrals only.]                                                                                                                                                                                                                                                                                                                                                    
|                                                                                                                                                                                                                                                      |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|(c)                                                                                                                                                                                                                                                   | [  ] | Matching. See Sections 1.34 and 3.03 and Elections
 24-26. [Note: The Employer may make an
 Operational QMAC without electing 6(c). See Section 3.03(C)(2).]                                                                                                                                                                                                                                                                                                                                         
|                                                                                                                                                                                                                                                      |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|(d)                                                                                                                                                                                                                                                   | [  ] | Nonelective. See Sections 1.37 and 3.04 and Elections
 27-29. [Note: The Employer may make an
 Operational QNEC without electing 6(d). See Section 3.04(C)(2).]                                                                                                                                                                                                                                                                                                                                      
|                                                                                                                                                                                                                                                      |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|(e)                                                                                                                                                                                                                                                   | [X]  | Safe Harbor/Additional Matching. The Plan is (or
 pursuant to a delayed election, may be) a safe harbor 401(k) Plan. The
 Employer will make (or under a delayed election, may make) Safe Harbor
 Contributions as it elects in Election 30. The Employer may or may not make
 Additional Matching Contributions as it elects in Election 30. See Election
 26 as to matching Catch-Up Deferrals. See Section 3.05.                                                                                  
|                                                                                                                                                                                                                                                      |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|(f)                                                                                                                                                                                                                                                   | [  ] | Employee (after-tax). See Section 3.09
 and Election 35.                                                                                                                                                                                                                                                                                                                                                                                                                                             
|                                                                                                                                                                                                                                                      |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|(g)                                                                                                                                                                                                                                                   | [  ] | SIMPLE 401(k). The Plan is a SIMPLE 401(k) Plan. See
 Section 3.10. The Employer operationally will elect for each Plan Year to
 make a SIMPLE Matching Contribution or a SIMPLE Nonelective Contribution as
 described in Section 3.10(E). The                                                                                                                                                                                                                                                      

© 2008 Prudential

2

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Nonstandardized 401(k) Plan

|                                                                                                                                                                                                                                                                                                                                                                                                                    |                                                                 |                                                                                                                                                                                                                                                                                                                                                                                    
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|                                                                                                                                                                                                                                                                                                                                                                                                                    |                                                                 | Employer
 must notify Participants of the Employers SIMPLE contribution election and
 of the Participants deferral election rights and limitations within a
 reasonable period of time before the 60th day prior to the beginning of the
 Plan Year. [Note: The Employer electing
 6(g) may not elect any other Contribution Types except under Elections 6(a),
 6(b), and 6(h).]
|                                                                                                                                                                                                                                                                                                                                                                                                                    |                                                                 |                                                                                                                                                                                                                                                                                                                                                                                    
|(h)                                                                                                                                                                                                                                                                                                                                                                                                                 | [  ]                                                            | Designated IRA. See Section 3.12 and Election 36.                                                                                                                                                                                                                                                                                                                                  
|                                                                                                                                                                                                                                                                                                                                                                                                                    |                                                                 |                                                                                                                                                                                                                                                                                                                                                                                    
|(i)                                                                                                                                                                                                                                                                                                                                                                                                                 | [  ]                                                            | None (frozen plan). The Plan is/was
 frozen effective as of: ____________________. See Sections 3.01(J) and 11.04.                                                                                                                                                                                                                                                                 
|                                                                                                                                                                                                                                                                                                                                                                                                                    |                                                                 |                                                                                                                                                                                                                                                                                                                                                                                    
|[Note: Elections 20 through 30 and Elections 35
 through 37 do not apply to any Plan Year in which the Plan is frozen.]                                                                                                                                                                                                                                                                                            
|                                                                                                                                                                                                                                                                                                                                                                                                                   
|7.                                                                                                                                                                                                                                                                                                                                                                                                                  | DISABILITY (1.15). Disability means (Choose one of (a) or (b)):
|                                                                                                                                                                                                                                                                                                                                                                                                                    |                                                                
|(a)                                                                                                                                                                                                                                                                                                                                                                                                                 | [X]                                                             | Basic Plan. Disability as defined in Section 1.15(A).                                                                                                                                                                                                                                                                                                                              
|                                                                                                                                                                                                                                                                                                                                                                                                                    |                                                                 |                                                                                                                                                                                                                                                                                                                                                                                    
|(b)                                                                                                                                                                                                                                                                                                                                                                                                                 | [  ]                                                            | Describe: __________________________________________________________________________________                                                                                                                                                                                                                                                                                       
|                                                                                                                                                                                                                                                                                                                                                                                                                    |                                                                 |                                                                                                                                                                                                                                                                                                                                                                                    
|[Note: The Employer may elect an alternative
 definition of Disability for purposes of Plan distributions. However, the use
 of an alternative definition may result in loss of favorable tax treatment of
 the Disability distribution.]                                                                                                                                                                          
|                                                                                                                                                                                                                                                                                                                                                                                                                   
|8.       EXCLUDED
 EMPLOYEES (1.21(D)). The following
 Employees are not Eligible Employees but are Excluded Employees (Choose one of (a) or (b)):                                                                                                                                                                                                                                                                 
|                                                                                                                                                                                                                                                                                                                                                                                                                    |                                                                
|[Note: Regardless of the Employers elections under
 Election 8: (i) Employees of any Related Employers (excluding the Signatory
 Employer) are Excluded Employees unless the Related Employer becomes a
 Participating Employer; and (ii) Reclassified Employees and Leased Employees
 are Excluded Employees unless the Employer in Appendix B elects otherwise.
 See Sections 1.21(B), 1.21(D)(3), and 1.23(D).]
|                                                                                                                                                                                                                                                                                                                                                                                                                   
|(a)                                                                                                                                                                                                                                                                                                                                                                                                                 | [  ]                                                            | No Excluded Employees. All Employees
 are Eligible Employees as to all Contribution Types.                                                                                                                                                                                                                                                                                         
|                                                                                                                                                                                                                                                                                                                                                                                                                    |                                                                 |                                                                                                                                                                                                                                                                                                                                                                                    
|(b)                                                                                                                                                                                                                                                                                                                                                                                                                 | [X]                                                             | Exclusions. The following Employees are Excluded
 Employees (either as to all Contribution Types or to the designated
 Contribution Type) (Choose one or more of
 (1) through (7) as applicable):                                                                                                                                                                                  
|                                                                                                                                                                                                                                                                                                                                                                                                                    |                                                                 |                                                                                                                                                                                                                                                                                                                                                                                    
|[Note: For this Election 8, unless described
 otherwise in Election 8(b)(7), Elective Deferrals includes Pre-Tax Deferrals,
 Roth Deferrals, Employee Contributions and Safe Harbor Contributions.
 Matching includes all Matching Contributions except Safe Harbor Matching Contributions.
 Nonelective includes all Nonelective Contributions except Safe Harbor
 Nonelective Contributions.]                    

|                                                                                                                                                                                                                                                                                                                                        |     |      |                                                                                                                                                                                                                                                                                 |                           |    |                          |               |                 
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --- | ---- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------- | -- | ------------------------ | ------------- | ----------------
|                                                                                                                                                                                                                                                                                                                                        |     |      |                                                                                                                                                                                                                                                                                 | (1)
 All
 Contributions   |    | (2)
 Elective
 Deferrals | (3)
 Matching | (4)
 Nonelective
|                                                                                                                                                                                                                                                                                                                                        |     |      |                                                                                                                                                                                                                                                                                 |                           |    |                          |               |                 
|                                                                                                                                                                                                                                                                                                                                        | (1) | [  ] | No exclusions. No exclusions as to the
 designated Contribution Type.                                                                                                                                                                                                           | N/A
 (See Election
 8(a)) |    | [  ]                     | [  ]          | [  ]            
|                                                                                                                                                                                                                                                                                                                                        |     |      |                                                                                                                                                                                                                                                                                 |                           |    |                          |               |                 
|                                                                                                                                                                                                                                                                                                                                        | (2) | [X]  | Collective Bargaining (union) Employees.As described in Code §410(b)(3)(A).
 See Section 1.21(D)(1).                                                                                                                                                                            | [X]                       | OR | [  ]                     | [  ]          | [  ]            
|                                                                                                                                                                                                                                                                                                                                        |     |      |                                                                                                                                                                                                                                                                                 |                           |    |                          |               |                 
|                                                                                                                                                                                                                                                                                                                                        | (3) | [  ] | Non-Resident Aliens. As described in
 Code
 §410(b)(3)(C). See Section 1.21(D)(2).                                                                                                                                                                                              | [  ]                      | OR | [  ]                     | [  ]          | [  ]            
|                                                                                                                                                                                                                                                                                                                                        |     |      |                                                                                                                                                                                                                                                                                 |                           |    |                          |               |                 
|                                                                                                                                                                                                                                                                                                                                        | (4) | [  ] | HCEs. See Section 1.21(E). See Election 30(e)
 as to exclusion of some or all HCEs
 from Safe Harbor Contributions.                                                                                                                                                             | [  ]                      | OR | [  ]                     | [  ]          | [  ]            
|                                                                                                                                                                                                                                                                                                                                        |     |      |                                                                                                                                                                                                                                                                                 |                           |    |                          |               |                 
|                                                                                                                                                                                                                                                                                                                                        | (5) | [  ] | Hourly paid Employees.                                                                                                                                                                                                                                                          | [  ]                      | OR | [  ]                     | [  ]          | [  ]            
|                                                                                                                                                                                                                                                                                                                                        |     |      |                                                                                                                                                                                                                                                                                 |                           |    |                          |               |                 
|                                                                                                                                                                                                                                                                                                                                        | (6) | [  ] | Part-Time/Temporary/Seasonal Employees.See Section 1.21(D)(4). A Part-Time, Temporary
 or Seasonal Employee is an Employee
 whose regularly scheduled Service is less than
 _____ (specify a maximum of 1,000)Hours of Service in the relevant Eligibility
 Computation Period. | [  ]                      | OR | [  ]                     | [  ]          | [  ]            
|                                                                                                                                                                                                                                                                                                                                        |     |      |                                                                                                                                                                                                                                                                                 |                           |    |                          |               |                 
|[Note: If the Employer under Election 8(b)(6) elects
 to treat Part-Time, Temporary and Seasonal Employees as Excluded Employees
 and any such an Employee actually completes at least 1,000 Hours of Service
 during the relevant Eligibility Computation Period, the Employee becomes an
 Eligible Employee. See Section 1.21(D)(4).]
|                                                                                                                                                                                                                                                                                                                                        |     |      |                                                                                                                                                                                                                                                                                 |                           |    |                          |               |                 
|                                                                                                                                                                                                                                                                                                                                        | (7) | [  ] | Describe exclusion category and/or Contribution Type:
 ______________________________________(e.g., Exclude Division B Employees
 OR Exclude salaried Employees from Discretionary Matching Contributions.)                                                                    

© 2008 Prudential

3

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Nonstandardized 401(k) Plan

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

9.       COMPENSATION
(1.11(B)). The following base
Compensation (as adjusted under Elections 10 and 11) applies in allocating
Employer Contributions (or the designated Contribution Type) (Choose one or more of (a) through (d) as applicable):

[Note: For this Election 9 all definitions include
Elective Deferrals unless excluded under Election 11. See Section 1.11(D). Unless
described otherwise in Election 9(d), Elective Deferrals includes Pre-Tax
Deferrals, Roth Deferrals and Employee Contributions, Matching includes all
Matching Contributions and Nonelective includes all Nonelective Contributions.
In applying any Plan definition which references Section 1.11 Compensation,
where the Employer in this Election 9 elects more than one Compensation
definition for allocation purposes, the Plan Administrator will use W-2 Wages
for such other Plan definitions if the Employer has elected W-2 Wages for any
Contribution Type or Participant group under Election 9. If the Employer has
not elected W-2 Wages, the Plan Administrator for such other Plan definitions
will use 415 Compensation.]

|    |      |                                                                                                                                                                                                                                                   |                         |    |                          |               |                 
|--- | ---- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----------------------- | -- | ------------------------ | ------------- | ----------------
|    |      |                                                                                                                                                                                                                                                   | (1)
 All
 Contributions |    | (2)
 Elective
 Deferrals | (3)
 Matching | (4)
 Nonelective
|    |      |                                                                                                                                                                                                                                                   |                         |    |                          |               |                 
|(a) | [X]  | W-2 Wages (plus Elective Deferrals).See Section 1.11(B)(1).                                                                                                                                                                                       | [X]                     | OR | [  ]                     | [  ]          | [  ]            
|    |      |                                                                                                                                                                                                                                                   |                         |    |                          |               |                 
|(b) | [  ] | Code §3401 Federal Income Tax
 Withholding Wages (plus Elective
 Deferrals). See Section 1.11(B)(2).                                                                                                                                              | [  ]                    | OR | [  ]                     | [  ]          | [  ]            
|    |      |                                                                                                                                                                                                                                                   |                         |    |                          |               |                 
|(c) | [  ] | 415 Compensation (simplified).See Section 1.11(B)(3).
 [Note: The Employer may elect an
 alternative
 general 415 Compensation definition by
 electing 9(c) and by electing the alternative
 definition in Appendix B. See Section 1.11(B)(4).] | [  ]                    | OR | [  ]                     | [  ]          | [  ]            
|    |      |                                                                                                                                                                                                                                                   |                         |    |                          |               |                 
|(d) | [  ] | Describe Compensation
 by Contribution Type or by Participant group:_____________________________                                                                                                                                                

[Note: Under Election 9(d), the Employer may: (i)
elect Compensation from the elections available under Elections 9(a), (b), or
(c), or a combination thereof as to a Participant group (e.g., W-2 Wages for
Matching Contributions for Division A Employees and 415 Compensation in all
other cases); and/or (ii) define the Contribution Type column headings in a
manner which differs from the all-inclusive description in the Note
immediately preceding Election 9(a) (e.g., Compensation for Safe Harbor
Matching Contributions means W-2 Wages and for Additional Matching
Contributions means 415 Compensation).]

10.     PRE-ENTRY/POST-SEVERANCE
COMPENSATION (1.11(H)/(I)).
Compensation under Election 9 (Complete (a).
Choose (b). if applicable):

[Note: The Plan does not take into account
Post-Severance Compensation unless the Employer elects otherwise in Appendix B
or except as otherwise specified in a Plan amendment. For this Election 10,
unless described otherwise in Election 10(b), Elective Deferrals includes
Pre-Tax Deferrals, Roth Deferrals and Employee Contributions, Matching includes
all Matching Contributions and Nonelective includes all Nonelective
Contributions.]

|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |      |                                                                                                    |                                                                                                 |                         |    |                        |               |               
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---- | -------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------- | ----------------------- | -- | ---------------------- | ------------- | --------------
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |      |                                                                                                    |                                                                                                 | (1)
 All
 Contributions |    | (2)
 ElectiveDeferrals | (3)
 Matching | (4)Nonelective
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |      |                                                                                                    |                                                                                                 |                         |    |                        |               |               
|(a)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | [X]  | Pre-Entry Compensation. Includes (Choose
 (1) and (2) as applicable):                              |                                                                                                 |                         |    |                        |              
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |      |                                                                                                    |                                                                                                 |                         |    |                        |               |               
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             | (1)  | [  ]                                                                                               | Plan Year. Compensation for the entire
 Plan Year which includes the Participants
 Entry Date. | [  ]                    | OR | [  ]                   | [  ]          | [  ]          
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |      |                                                                                                    |                                                                                                 |                         |    |                        |               |               
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             | (2)  | [X]                                                                                                | Participating Compensation. Only
 Participating
 Compensation. See Section 1.11(H)(1).          | [X]                     | OR | [  ]                   | [  ]          | [  ]          
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |      |                                                                                                    |                                                                                                 |                         |    |                        |               |               
|[Note: Under a Participating Compensation election,
 in applying any Adoption Agreement elected contribution limit or formula, the
 Plan Administrator will count only the Participants Participating
 Compensation. See Section 1.11(H)(1) as to plan disaggregation.]                                                                                                                                                                                                                                                                                                                                                                                                                    
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |      |                                                                                                    |                                                                                                 |                         |    |                        |               |               
|(b)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | [  ] | Describe Pre-Entry Compensation by Contribution Type or by
 Participant group:____________________
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |      |                                                                                                    |                                                                                                 |                         |    |                        |               |               
|[Note: Under Election 10(b), the Employer may: (i)
 elect Compensation from the elections available under Election 10(a) or a
 combination thereof as to a Participant group (e.g., Participating
 Compensation for all Contribution Types as to Division A Employees, Plan Year
 Compensation for all Contribution Types to Division B Employees); and/or (ii)
 define the Contribution Type column headings in a manner which differs from
 the all-inclusive description in the Note immediately preceding Election
 10(a) (e.g., Compensation for Nonelective Contributions is Participating
 Compensation and for Safe Harbor Nonelective Contributions is Plan Year
 Compensation).]

© 2008 Prudential

4

---



Nonstandardized 401(k) Plan

11.     EXCLUDED COMPENSATION (1.11(G)). Apply
the following Compensation exclusions to Elections 9 and 10 (Choose one of (a) or (b)):

|    |      |                                                                                                               
|--- | ---- | --------------------------------------------------------------------------------------------------------------
|(a) | [X]  | No exclusions. Compensation as to all Contribution Types
 means Compensation as elected in Elections 9 and 10.
|    |      |                                                                                                               
|(b) | [  ] | Exclusions. Exclude the following (Choose one or more of (1) through (9) as
 applicable):                     

[Note: In a safe harbor 401(k) plan, allocations
qualifying for the ADP or ACP test safe harbors must be based on a
non-discriminatory definition of Compensation. If the Plan applies permitted
disparity, allocations also must be based on a non-discriminatory definition of
Compensation if the Plan is to avoid more complex testing. Elections 11(b)(4)
through (b)(9) may cause allocation Compensation to fail to be
non-discriminatory. In a non-safe harbor 401(k) plan, Elections 11(b)(4)
through (b)(9) which result in Compensation failing to be non-discriminatory
may result in more complex nondiscrimination testing. For this Election 11,
unless described otherwise in Election 11(b)(9), Elective Deferrals includes
Pre-Tax Deferrals, Roth Deferrals and Employee Contributions, Matching includes
all Matching Contributions and Nonelective includes all Nonelective
Contributions.]

|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |     |      |                                                                                                                           |                                                                                                                                                                                                           |      |                        |               |                  |     
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --- | ---- | ------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---- | ---------------------- | ------------- | ---------------- | ----
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |     |      |                                                                                                                           |                                                                                                                                                                                                           |      |                        |               |                 
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |     |      |                                                                                                                           | (1)
 All
 Contributions                                                                                                                                                                                   |      | (2)
 ElectiveDeferrals | (3)
 Matching | (4)
 Nonelective
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |     |      |                                                                                                                           |                                                                                                                                                                                                           |      |                        |               |                  |     
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    | (1) | [  ] | No exclusions-limited. No
 exclusions as to the designated
 Contribution Type(s).                                         | N/A(See
 Election 11(a))                                                                                                                                                                                  |      | [  ]                   | [  ]          | [  ]            
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |     |      |                                                                                                                           |                                                                                                                                                                                                           |      |                        |               |                  |     
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    | (2) | [  ] | Elective Deferrals. See Section
 1.20.                                                                                    | N/A                                                                                                                                                                                                       |      | N/A                    | [  ]          | [  ]            
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |     |      |                                                                                                                           |                                                                                                                                                                                                           |      |                        |               |                  |     
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    | (3) | [  ] | Fringe benefits. As described in Treas.
 Reg. §1.414(s)-1(c)(3).                                                          | [  ]                                                                                                                                                                                                      | OR   | [  ]                   | [  ]          | [  ]            
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |     |      |                                                                                                                           |                                                                                                                                                                                                           |      |                        |               |                  |     
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    | (4) | [  ] | Compensation exceeding $ ______.Apply this election to (Choose one of a. or b.):                                          | [  ]                                                                                                                                                                                                      | OR   | [  ]                   | [  ]          | [  ]            
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |     |      |                                                                                                                           |                                                                                                                                                                                                           |      |                        |               |                  |     
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |     | a.   | [  ]                                                                                                                      | All Participants. [Note:
 If the Employer
 elects Safe Harbor Contributions under
 Election 6(e), the Employer may not
 elect 11(b)(4)a. to limit the Safe Harbor
 Contribution allocation to the NHCEs.] |      |                        |               |                  |     
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |     |      |                                                                                                                           |                                                                                                                                                                                                           |      |                        |               |                  |     
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |     | b.   | [  ]                                                                                                                      | HCE Participants only.                                                                                                                                                                                    |      |                        |               |                  |     
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |     |      |                                                                                                                           |                                                                                                                                                                                                           |      |                        |               |                  |     
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    | (5) | [  ] | Bonus.                                                                                                                    | [  ]                                                                                                                                                                                                      | OR   | [  ]                   | [  ]          | [  ]            
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |     |      |                                                                                                                           |                                                                                                                                                                                                           |      |                        |               |                 
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    | (6) | [  ] | Commission.                                                                                                               | [  ]                                                                                                                                                                                                      | OR   | [  ]                   | [  ]          | [  ]            
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |     |      |                                                                                                                           |                                                                                                                                                                                                           |      |                        |               |                 
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    | (7) | [  ] | Overtime.                                                                                                                 | [  ]                                                                                                                                                                                                      | OR   | [  ]                   | [  ]          | [  ]            
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |     |      |                                                                                                                           |                                                                                                                                                                                                           |      |                        |               |                 
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    | (8) | [  ] | Related Employers. See Section 1.23(C).(If there are Related Employers, choose
 one or
 both of a. and b. as applicable): |                                                                                                                                                                                                           |      |                        |               |                 
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |     |      |                                                                                                                           |                                                                                                                                                                                                           |      |                        |               |                  |     
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |     | a.   | [  ]                                                                                                                      | Non-Participating. Compensation paid to
 Employees by a Related Employer that is
 not a Participating Employer.                                                                                           | [  ] | OR                     | [  ]          | [  ]             | [  ]
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |     |      |                                                                                                                           |                                                                                                                                                                                                           |      |                        |               |                  |     
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |     | b.   | [  ]                                                                                                                      | Participating. As to the Employees of any
 Participating Employer, Compensation paid
 by any other Participating Employer to its
 Employees. See Election 28(g)(2)a.                                      | [  ] | OR                     | [  ]          | [  ]             | [  ]
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |     |      |                                                                                                                           |                                                                                                                                                                                                           |      |                        |               |                  |     
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    | (9) | [  ] | Describe Compensation exclusion(s):
 _____________________________________________________                               
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |     |      |                                                                                                                           |                                                                                                                                                                                                           |      |                        |               |                  |     
|[Note: Under Election 11(b)(9), the Employer may:
 (i) describe Compensation from the elections available under Elections
 11(b)(1) through (8), or a combination thereof as to a Participant group
 (e.g.,No exclusions as to
 Division A Employees and exclude bonus as to Division B Employees); (ii)
 define the Contribution Type column headings in a manner which differs from
 the all-inclusive description in the Note immediately preceding Election
 11(b)(1) (e.g., Elective
 Deferrals means §125 cafeteria deferrals only OR No exclusions as to Safe
 Harbor Contributions and exclude bonus as to Nonelective Contributions);
 and/or (iii) describe another exclusion (e.g., Exclude shift differential
 pay).]

© 2008 Prudential

5

---



Nonstandardized 401(k) Plan

12.     HOURS OF SERVICE (1.31). The Plan
credits Hours of Service for the following purposes (and to the Employees
described in Elections 12(d) or (e)) as follows (Choose one or more of (a) through (e) as applicable):

|                                                                                                                                                                                                                                                                                                                                             |      |                                                                                                                                                                               |      |    |                    |      |                  |              |                            
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---- | -- | ------------------ | ---- | ---------------- | ------------ | ---------------------------
|                                                                                                                                                                                                                                                                                                                                             |      |                                                                                                                                                                               |      |    | (1)
 All
 Purposes |      | (2)
 Eligibility | (3)
 Vesting | (4)Allocation
 
 Conditions
|                                                                                                                                                                                                                                                                                                                                             |      |                                                                                                                                                                               |      |    |                    |      |                  |              |                            
|(a)                                                                                                                                                                                                                                                                                                                                          | [X]  | Actual Method. See Section 1.31(A)(1).                                                                                                                                        | [X]  | OR | [  ]               | [  ] | [  ]            
|                                                                                                                                                                                                                                                                                                                                             |      |                                                                                                                                                                               |      |    |                    |      |                 
|(b)                                                                                                                                                                                                                                                                                                                                          | [  ] | Equivalency Method: _____________ (e.g., daily,
 weekly, etc.). See Section 1.31(A)(2).                                                                                       | [  ] | OR | [  ]               | [  ] | [  ]            
|                                                                                                                                                                                                                                                                                                                                             |      |                                                                                                                                                                               |      |    |                    |      |                 
|(c)                                                                                                                                                                                                                                                                                                                                          | [  ] | Elapsed Time Method. See Section
 1.31(A)(3).                                                                                                                                 | [  ] | OR | [  ]               | [  ] | [  ]            
|                                                                                                                                                                                                                                                                                                                                             |      |                                                                                                                                                                               |      |    |                    |      |                 
|(d)                                                                                                                                                                                                                                                                                                                                          | [  ] | Actual (hourly) and Equivalency (salaried).Actual Method for hourly paid Employees
 and Equivalency Method: _____________(e.g., daily, weekly, etc.) for
 salaried Employees. | [  ] | OR | [  ]               | [  ] | [  ]            
|                                                                                                                                                                                                                                                                                                                                             |      |                                                                                                                                                                               |      |    |                    |      |                 
|(e)                                                                                                                                                                                                                                                                                                                                          | [  ] | Describe method:
 ___________________________________________________________________________                                                                                
|                                                                                                                                                                                                                                                                                                                                             |      |                                                                                                                                                                              
|[Note: Under Election 12(e), the Employer may
 describe Hours of Service from the elections available under Elections 12(a)
 through (d), or a combination thereof as to a Participant group and/or
 Contribution Type (e.g., For
 all purposes, Actual Method applies to office workers and Equivalency Method
 applies to truck drivers).]

13.       ELECTIVE
SERVICE CREDITING (1.56(C)).
The Plan must credit Related Employer Service under Section 1.23(C) and also
must credit certain Predecessor Employer/Predecessor Plan Service under Section
1.56(B). The Plan also elects under Section 1.56(C) to credit as Service the
following Predecessor Employer service (Choose
one of (a) or (b)):

|                                                                                          |      |                                                                                                                                                                                                                                          
|----------------------------------------------------------------------------------------- | ---- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|(a)                                                                                       | [  ] | Not applicable. No elective Predecessor Employer Service
 crediting applies.                                                                                                                                                             
|                                                                                          |      |                                                                                                                                                                                                                                          
|(b)                                                                                       | [X]  | Applies. The Plan credits the specified service with
 the following designated Predecessor Employers as Service for the Employer
 for the purposes indicated (Choose (1) and
 (2) as applicable. Complete (3). Choose (4) if applicable):
|                                                                                          |      |                                                                                                                                                                                                                                          
|[Note: Any elective Service crediting under this
 Election 13 must be nondiscriminatory.]
|                                                                                         

|    |      |                                                                                                                                           
|--- | ---- | ------------------------------------------------------------------------------------------------------------------------------------------
|(1) | [  ] | All purposes. Credit Service for all purposes with
 Predecessor Employer(s): ____________________________(insert as many names as needed).

| |     |                                                                                                                        |                                                                                                                                                       |                                                                                                                       |                  |      |              |      |                              
| | --- | ---------------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------- | ---------------- | ---- | ------------ | ---- | -----------------------------
| |     |                                                                                                                        |                                                                                                                                                       |                                                                                                                       | (1)
 Eligibility |      | (2)
 Vesting |      | (3)
 Contribution
 Allocation
| |     |                                                                                                                        |                                                                                                                                                       |                                                                                                                       |                  |      |              |      |                              
| | (2) | [X]                                                                                                                    | Designated purposes. Credit Service
 with the following Predecessor Employer(s) for the designated purpose(s):                                        |                                                                                                                       |                  |      |              |     
| |     |                                                                                                                        |                                                                                                                                                       |                                                                                                                       |                  |      |              |      |                              
| |     | a.                                                                                                                     | Employer: Acquired Employees from Anchor
Savings, Dime of Williamsburg, North Side Savings
 and Atlantic Banks, Studebaker-Worthington
 Leasing Corp. | [X]                                                                                                                   |                  | [X]  |              | [  ]
| |     |                                                                                                                        |                                                                                                                                                       |                                                                                                                       |                  |      |              |     
| |     | b.                                                                                                                     | Employer: ______________________________                                                                                                              | [  ]                                                                                                                  |                  | [  ] |              | [  ]
| |     |                                                                                                                        |                                                                                                                                                       |                                                                                                                       |                  |      |              |     
| |     | c.                                                                                                                     | Employer: ______________________________                                                                                                              | [  ]                                                                                                                  |                  | [  ] |              | [  ]
| |     |                                                                                                                        |                                                                                                                                                       |                                                                                                                       |                  |      |              |      |                              
| | (3) | Time period. Under Elections 13(b)(1) or (2), the Plan
 credits (Choose one or more of a., b., and
 c. as applicable):
| |     |                                                                                                                        |                                                                                                                                                       |                                                                                                                       |                  |      |              |      |                              
| |     | a.                                                                                                                     | [X]                                                                                                                                                   | All. All Service under Election(s) 13(b) (2)(a),
 regardless of when rendered.                                       
| |     |                                                                                                                        |                                                                                                                                                       |                                                                                                                      
| |     | b.                                                                                                                     | [  ]                                                                                                                                                  | Service after. All Service under Election(s) 13(b) _____,
 which is or was rendered after: ________ (specify date).  
| |     |                                                                                                                        |                                                                                                                                                       |                                                                                                                      
| |     | c.                                                                                                                     | [  ]                                                                                                                                                  | Service before. All Service under Election(s) 13(b) _____,
 which is or was rendered before: ________ (specify date).
| |     |                                                                                                                        |                                                                                                                                                       |                                                                                                                      
| | (4) | [  ]                                                                                                                   | Describe elective Predecessor Employer Service crediting:
 ___________________________________.                                                      

[Note: Under Election 13(b)(4), the Employer may
describe service crediting from the elections available under Elections
13(b)(1) through (3), or a combination thereof as to a Participant group and/or
Contribution Type (e.g., For all purposes credit service with X only on/after
1/1/05 OR Credit all service for all purposes with entities the Employer
acquires after 12/31/04 OR Service crediting for X Company applies only for
purposes of Nonelective Contributions and not for Matching Contributions).]

© 2008 Prudential

6

---



Nonstandardized
401(k) Plan

ARTICLE
II
ELIGIBILITY REQUIREMENTS

|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |      |                                                                                                                                                                                                                
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|14.     ELIGIBILITY (2.01). To become a Participant
in the Plan, an Eligible Employee must satisfy (Choose one of (a) or (b)):                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |     
|[Note: If the Employer under a safe harbor plan elects
early eligibility for Elective Deferrals (e.g., less than one Year of
Service and age 21), but does not elect early eligibility for any Safe Harbor
Contributions, also see Election 30(f).]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |     
|(a)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    | [  ] | No conditions. No eligibility conditions as to all
Contribution Types. Entry is on the Employment Commencement Date (if that
date is also an Entry Date), or if later, upon the next following Plan Entry
Date.
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |      |                                                                                                                                                                                                                
|[Note: No eligibility conditions apply to Prevailing
Wage Contributions unless the Prevailing Wage Contract provides otherwise.
See Section 2.01(D).]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |      |                                                                                                                                                                                                                
|(b)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    | [X]  | Conditions. The following eligibility conditions
(either as to all Contribution Types or as to the designated Contribution
Type) (Choose one or more of (1) through (8) as applicable):                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |      |                                                                                                                                                                                                                
|[Note: For this Election 14, unless described otherwise
in Election 14(b)(8)), or the context otherwise requires, Elective Deferrals
includes Pre-Tax Deferrals, Roth Elective Deferrals and Employee
Contributions, Matching includes all Matching Contributions (except Safe
Harbor Matching Contributions under Section 3.05(E)(3) and Operational QMACs
under Section 3.03(C)(2)) and Nonelective includes all Nonelective
Contributions (except Safe Harbor Nonelective Contributions under Section
3.05(E)(2) and Operational QNECs under Section 3.04(C)(2)). Safe Harbor
includes Safe Harbor Nonelective and Safe Harbor Matching Contributions. If
the Employer elects more than one Year of Service as to Additional Matching,
the Plan will not satisfy the ACP test safe harbor. See Section 3.05(F)(3).]

| |     |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |                                           |                   |                    |          |             |             | 
| | --- | ---- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----------------------------------------- | ----------------- | ------------------ | -------- | ----------- | ----------- | 
| |     |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |                                           | (1)               | (2)                | (3)      | (4)         | (5)        
| |     |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |                                           | All
Contributions | Elective
Deferrals | Matching | Nonelective | Safe
Harbor
| |     |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |                                           |                   |                    |          |             |             | 
| | (1) | [  ] | None. Entry on the Employment Commencement Date (if
that date is also an Entry Date) or if later, upon the next following Plan
Entry Date.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         | N/A
(See Election
14(a))                  | [  ]              | [  ]               | [  ]     | [  ]       
| |     |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |                                           |                   |                    |          |            
| | (2) | [X]  | Age21(not to exceed age 21).                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       | [X]                                       | OR                | [  ]               | [  ]     | [  ]        | [  ]       
| |     |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |                                           |                   |                    |          |             |            
| | (3) | [  ] | One Year of Service. See Election 16(a).                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           | [  ]                                      | OR                | [  ]               | [  ]     | [  ]        | [  ]       
| |     |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |                                           |                   |                    |          |             |            
| | (4) | [  ] | Two Years of Service (without an intervening Break
in Service). 100% vesting is required. [Note: Two Years of Service does
not apply to Elective Deferrals, Safe Harbor Contributions or SIMPLE
Contributions.]                                                                                                                                                                                                                                                                                                                                                                                                                                                                    | N/A                                       |                   | N/A                | [  ]     | [  ]        | N/A        
| |     |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |                                           |                   |                    |          |             |            
| | (5) | [X]  | three (3) month(s) (not exceeding 12
months for Elective Deferrals, Safe Harbor Contributions and SIMPLE Contributions and not
exceeding 24 months for other contributions). If more than 12
months, 100% vesting is required. Service need not be continuous (no minimum
Hours of Service required, and is mere passage of time).                                                                                                                                                                                                                                                                                                                                                 | [X]                                       | OR                | [  ]               | [  ]     | [  ]        | [  ]       
| |     |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |                                           |                   |                    |          |             |            
| | (6) | [  ] | _____ month(s) with at least _____ Hours of Service
in each month(not exceeding 12 months for Elective Deferrals, Safe
Harbor Contributions and SIMPLE Contributions and not exceeding
24 months for other contributions). If more than 12 months, 100% vesting
is required. If the Employee does not complete the designated Hours of
Service each month during the specified monthly time period, the Employee is
subject to the one Year of Service (or two Years of Service if elect more
than 12 months) requirement with 1,000 Hours of Service per Year of Service.
The months during which the Employee completes the specified Hours of Service
(Choose one of a. or b.): | [  ]                                      | OR                | [  ]               | [  ]     | [  ]        | [  ]       
| |     |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |                                           |                   |                    |          |             |            
| |     | a.   | [  ]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | Consecutive.Must be consecutive.          |                   |                    |          |             |             | 
| |     |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |                                           |                   |                    |          |             |             | 
| |     | b.   | [  ]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | Not consecutive. Need not be consecutive. |                   |                    |          |             |             | 
| |     |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |                                           |                   |                    |          |             |             | 
| | (7) | [  ] | _____ Hours of Service within the _____ time period
following the Employees Employment                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            | [  ]                                      | OR                | [  ]               | [  ]     | [  ]        | [  ]       

© 2008 Prudential

7

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Nonstandardized
401(k) Plan

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

© 2008 Prudential

8

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Nonstandardized
401(k) Plan

17.     ENTRY
DATE (2.02(D)). Entry Date means the Effective Date and (Choose
one or more of (a) through (f) as applicable):

[Note: For this Election 17,
unless described otherwise in Election 17(f), Elective Deferrals includes
Pre-Tax Deferrals, Roth Elective Deferrals and Employee Contributions, Matching
includes all Matching Contributions (except Operational QMACs under Section
3.03(C)(2)) and Nonelective includes all Nonelective Contributions (except
Operational QNECs under Section 3.04(C)(2)). Entry as to Prevailing Wage
Contributions is on the Employment Commencement Date unless the Prevailing Wage
Contract provides otherwise. See Section 2.02(D).]

|    |      |                                                                                                       |                   |    |                    |          |            
|--- | ---- | ----------------------------------------------------------------------------------------------------- | ----------------- | -- | ------------------ | -------- | -----------
|    |      |                                                                                                       | (1)               |    | (2)                | (3)      | (4)        
|    |      |                                                                                                       | All
Contributions |    | Elective
Deferrals | Matching | Nonelective
|    |      |                                                                                                       |                   |    |                    |          |            
|(a) | [  ] | Semi-annual. The first day of the first month and
of the seventh month of the Plan Year.              | [  ]              | OR | [  ]               | [  ]     | [  ]       
|    |      |                                                                                                       |                   |    |                    |          |            
|(b) | [  ] | First day of Plan Year                                                                                | [  ]              | OR | [  ]               | [  ]     | [  ]       
|    |      |                                                                                                       |                   |    |                    |          |            
|(c) | [  ] | First day of each Plan Year quarter                                                                   | [  ]              | OR | [  ]               | [  ]     | [  ]       
|    |      |                                                                                                       |                   |    |                    |          |            
|(d) | [X]  | The first day of each month                                                                           | [X]               | OR | [  ]               | [  ]     | [  ]       
|    |      |                                                                                                       |                   |    |                    |          |            
|(e) | [  ] | Immediate.Upon Employment Commencement Date or if
later, upon satisfaction of eligibility conditions. | [  ]              | OR | [  ]               | [  ]     | [  ]       
|    |      |                                                                                                       |                   |    |                    |          |            
|(f) | [  ] | Describe Entry Date(s):
_________________________________________________________________            

[Note: Under Election 17(f), the
Employer may describe Entry Dates from the elections available under Elections
17(a) through (e), or a combination thereof as to a Participant group and/or
Contribution Type or may elect additional Entry Dates (e.g., As to Matching
Contributions excluding Additional Matching, immediate as to Division A
Employees and semi-annual as to Division B Employees OR the earlier of the
Plans semi-annual Entry Dates or the entry dates under the Employers medical
plan).]

18.     PROSPECTIVE/RETROACTIVE
ENTRY DATE (2.02(D)). An Employee after satisfying the eligibility
conditions in Election 14 will become a Participant (unless an Excluded
Employee under Election 8) on the Entry Date (if employed on that date) (Choose
one or more of (a) through (f) as applicable):

[Note: Unless otherwise excluded
under Election 8, an Employee who remains employed by the Employer on the
relevant date must become a Participant by the earlier of: (i) the first day of
the Plan Year beginning after the date the Employee completes the age and
service requirements of Code §410(a); or (ii) 6 months after the date the
Employee completes those requirements. For this Election 18, unless described
otherwise in Election 18(f), Elective Deferrals includes Pre-Tax Deferrals,
Roth Deferrals and Employee Contributions, Matching includes all Matching
Contributions (except Operational QMACs under Section 3.03(C)(2)) and
Nonelective includes all Nonelective Contributions, (except Operational QNECs
under Section 3.04(C)(2)).]

|    |      |                                                                                                      |                   |    |                    |          |            
|--- | ---- | ---------------------------------------------------------------------------------------------------- | ----------------- | -- | ------------------ | -------- | -----------
|    |      |                                                                                                      | (1)               |    | (2)                | (3)      | (4)        
|    |      |                                                                                                      | All
Contributions |    | Elective
Deferrals | Matching | Nonelective
|    |      |                                                                                                      |                   |    |                    |          |            
|(a) | [X]  | Immediately following or coincident with the date
the Employee completes the eligibility conditions. | [X]               | OR | [  ]               | [  ]     | [  ]       
|    |      |                                                                                                      |                   |    |                    |          |            
|(b) | [  ] | Immediately following the date the Employee
completes the eligibility conditions.                    | [  ]              | OR | [  ]               | [  ]     | [  ]       
|    |      |                                                                                                      |                   |    |                    |          |            
|(c) | [  ] | Immediately preceding or coincident with the date
the Employee completes the eligibility conditions. | N/A               |    | N/A                | [  ]     | [  ]       
|    |      |                                                                                                      |                   |    |                    |          |            
|(d) | [  ] | Immediately preceding the date the Employee
completes the eligibility conditions.                    | N/A               |    | N/A                | [  ]     | [  ]       
|    |      |                                                                                                      |                   |    |                    |          |            
|(e) | [  ] | Nearestthe date the Employee completes the
eligibility conditions.                                   | N/A               |    | N/A                | [  ]     | [  ]       
|    |      |                                                                                                      |                   |    |                    |          |            
|(f) | [  ] | Describe retroactive/prospective entry relative to
Entry Date: __________________________________   

[Note: Under Election 18(f), the
Employer may describe the timing of entry relative to an Entry Date from the
elections available under Elections 18(a) through (e), or a combination thereof
as to a Participant group and/or Contribution Type (e.g., As to Matching
Contributions excluding Additional Matching nearest as to Division A Employees
and immediately following as to Division B Employees).]

19.     BREAK
IN SERVICE  PARTICIPATION (2.03). The one year hold-out rule
described in Section 2.03(C) (Choose one of (a), (b), or (c)):

|    |      |                                                      
|--- | ---- | -----------------------------------------------------
|(a) | [X]  | Does not apply.                                      
|    |      |                                                      
|(b) | [  ] | Applies. Applies to the Plan and to all
Participants.

© 2008 Prudential

9

---



Nonstandardized
401(k) Plan

|    |      |                                                                                                                  
|--- | ---- | -----------------------------------------------------------------------------------------------------------------
|(c) | [  ] | Limited application. Applies to the Plan, but only
to a Participant who has incurred a Severance from Employment.

[Note: The Plan does not apply
the rule of parity under Code §410(a)(5)(D) unless the Employer in Appendix B
specifies otherwise. See Section 2.03(D).]

ARTICLE III
PLAN CONTRIBUTIONS AND FORFEITURES

20.     ELECTIVE
DEFERRAL LIMITATIONS (3.02(A)). The following limitations apply to
Elective Deferrals under Elections 6(a) and 6(b), which are in addition to
those limitations imposed under the basic plan document (Choose (a) or
choose (b) and (c) as applicable):

|    |      |                                         
|--- | ---- | ----------------------------------------
|(a) | [  ] | None. No additional Plan imposed limits.

[Note: The Employer under
Election 20 may not impose a lower deferral limit applicable only to Catch-Up
Eligible Participants and the Employers elections must be nondiscriminatory.
The elected limits apply to Pre-Tax Deferrals and to Roth Deferrals unless
described otherwise. Under a safe harbor plan: (i) NHCEs must be able to defer
enough to receive the maximum Safe Harbor Matching and Additional Matching
Contribution under the plan and must be permitted to defer any lesser amount;
and (ii) the Employer may limit Elective Deferrals to a whole percentage of
Compensation or to a whole dollar amount. See Section 1.54(C) as to
administrative limitations on Elective Deferrals.]

|    |     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |                                                                                                                                            
|--- | --- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------
|(b) | [X] | Additional Plan limit(s).(Choose (1) and (2) as
applicable. Complete (3) if (1) or (2) is chosen):                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       
|    |     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |                                                                                                                                            
|    | (1) | [X]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       | Maximum deferral amount. A Participants Elective
Deferrals may not exceed: 35% (specify dollar amount or percentage
of Compensation).     
|    |     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |                                                                                                                                            
|    | (2) | [X]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       | Minimum deferral amount. A Participants Elective
Deferrals may not be less than: 1% (specify dollar amount or
percentage of Compensation).
|    |     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |                                                                                                                                            
|    | (3) | Application of limitations. The Election 20(b)(1)
and (2) limitations apply based on Elective Deferral Compensation described
in Elections 9  11. If the Employer elects Plan Year/Participation
Compensation under column (1) and in Election 10 elects Participating
Compensation, in the Plan Years commencing after an Employee becomes a
Participant, apply the elected minimum or maximum limitations to the Plan
Year. Apply the elected limitation based on such Compensation during the
designated time period and only to HCEs as elected below. (Choose a. or
choose b. and c. as applicable. Under each of a., b. or c. choose one of (1)
or (2). Choose (3) if applicable):

|   |      |                                                                  |                                      |                |          
|-- | ---- | ---------------------------------------------------------------- | ------------------------------------ | -------------- | ---------
|   |      |                                                                  | (1)                                  | (2)            | (3)      
|   |      |                                                                  | Plan
Year/Participating
Compensation | Payroll period | HCEs only
|   |      |                                                                  |                                      |                |          
|a. | [  ] | Both.Both limits under Elections 20(b)(1) and (2).               | [  ]                                 | [  ]           | [  ]     
|   |      |                                                                  |                                      |                |          
|b. | [X]  | Maximum limit.The maximum amount limit under
Election 20(b)(1).  | [X]                                  | [  ]           | [  ]     
|   |      |                                                                  |                                      |                |          
|c. | [X]  | Minimum limit. The minimum amount limit under
Election 20(b)(2). | [  ]                                 | [X]            | [  ]     

|    |      |                                                                                               
|--- | ---- | ----------------------------------------------------------------------------------------------
|(c) | [  ] | Describe Elective Deferral limitation(s):
____________________________________________________

[Note: Under Election 20(c), the
Employer: (i) may describe limitations on Elective Deferrals from the elections
available under Elections 20(a) and (b) or a combination thereof as to a
Participant group (e.g., No limit applies to Division A Employees. Division B
Employees may not defer in excess of 10% of Plan Year Compensation); (ii) may
elect a different time period to which the limitations apply; and/or (iii) may
apply a different limitation to Pre-Tax Deferrals and to Roth Deferrals.]

21.     AUTOMATIC
DEFERRAL (3.02(B)). The Automatic Deferral provisions of Section
3.02(B)(Choose one of (a) or (b)):

|    |      |                                                                                                                                                                                                                                         |      |                                                                                                                                                                                                                                                                                           
|--- | ---- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|(a) | [  ] | Do not apply.                                                                                                                                                                                                                          
|    |      |                                                                                                                                                                                                                                         |      |                                                                                                                                                                                                                                                                                           
|(b) | [X]  | Apply. The Automatic Deferral Effective Date is: January
1, 2008 (specify date). (Complete (1), (2), and (3). Choose (4)
as applicable):                                                                                               
|    |      |                                                                                                                                                                                                                                         |      |                                                                                                                                                                                                                                                                                           
|    | (1)  | Automatic Deferral Amount. The Employer, as to each
Participant affected, will withhold as the Automatic Deferral Amount, 3
% from the Participants Compensation each payroll period unless the
Participant makes a Contrary Election.
|    |      |                                                                                                                                                                                                                                         |      |                                                                                                                                                                                                                                                                                           
|    | (2)  | Participants affected. The Automatic Deferral
applies to (Choose one of a., b., c., or d.):                                                                                                                                            
|    |      |                                                                                                                                                                                                                                         |      |                                                                                                                                                                                                                                                                                           
|    |      | a.                                                                                                                                                                                                                                      | [  ] | All Participants. All Participants, regardless of
any prior Salary Reduction Agreement, unless and until they make a Contrary
Election after the Automatic Deferral Effective Date.                                                                                                       
|    |      |                                                                                                                                                                                                                                         |      |                                                                                                                                                                                                                                                                                           
|    |      | b.                                                                                                                                                                                                                                      | [  ] | Election of at least Automatic Deferral amount. All
Participants, except those who have in effect a Salary Reduction Agreement on
the Automatic Deferral Effective Date provided that the Elective Deferral
amount under the Agreement is at least equal to the Automatic Deferral
Amount.

© 2008 Prudential

10

---



Nonstandardized
401(k) Plan

| |  |    |      |                                                                                                                                                                                                                                
| |  | -- | ---- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| |  | c. | [X]  | No existing Salary Reduction Agreement. All
Participants, except those who have in effect a Salary Reduction Agreement on
the Automatic Deferral Effective Date regardless of the Elective Deferral
amount under the Agreement.
| |  |    |      |                                                                                                                                                                                                                                
| |  | d. | [  ] | New Participants. Each Employee whose Entry Date is
on or following the Automatic Deferral Effective Date.                                                                                                                     

| |     |                                                                                                                                                                                                                                                                                                                                              |      |                                                                               
| | --- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---- | ------------------------------------------------------------------------------
| | (3) | Scheduled increases. The Automatic Deferral Amount
will or will not increase (as a percentage of Compensation) in Plan Years
following the Plan Year containing the Automatic Deferral Effective Date (or,
if later, the Plan Year in which the Automatic Deferral first applies to a
Participant) as follows (Choose one of a., b., or c.):
| |     |                                                                                                                                                                                                                                                                                                                                              |      |                                                                               
| |     | a.                                                                                                                                                                                                                                                                                                                                           | [  ] | No scheduled increase.The Automatic Deferral
Amount applies in all Plan Years.
| |     |                                                                                                                                                                                                                                                                                                                                              |      |                                                                               
| |     | b.                                                                                                                                                                                                                                                                                                                                           | [  ] | Scheduled increase. The Automatic Deferral Amount
will increase as follows:   

|                                          |  |                          
|----------------------------------------- |  | -------------------------
|Plan Year of application to a Participant |  | Automatic Deferral Amount
|                                          |  |                          
|1                                         |  | 3%                       
|2                                         |  | 3%                       
|3                                         |  | 4%                       
|4                                         |  | 5%                       
|5 and thereafter                          |  | 6%                       

| |  |    |      |                                                                                  
| |  | -- | ---- | ---------------------------------------------------------------------------------
| |  | c. | [  ] | Other scheduled increase. The Automatic Deferral
Amount will increase as follows:

|                                          |  |                          
|----------------------------------------- |  | -------------------------
|Plan Year of application to a Participant |  | Automatic Deferral Amount
|                                          |  |                          
|_____                                     |  | _____%                   
|_____                                     |  | _____%                   
|_____                                     |  | _____%                   
|_____                                     |  | _____%                   
|_____                                     |  | _____%                   
|_____                                     |  | _____%                   
|_____                                     |  | _____%                   

| |     |                                                                                                                                                                                                                                                                                                                                                                                                                                                     |  | 
| | --- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | 
| | (4) | [X] Describe Automatic Deferral: This initial
percentage will increase by 1% (up to a maximum of 10%) each Plan Year
beginning after the Plan Year following the Plan Year in which the first
contributions are made pursuant to a default election. The escalation date is
the first of January for Participants automatically enrolled before this date
in the calendar year, apply the scheduled increase starting in the current
calendar year.

[Note: Under Election 21(b)(4),
the Employer may describe Automatic Deferral provisions from the elections available
under Election 21 and/or a combination thereof as to a Participant group (e.g.,
Automatic Deferrals do not apply to Division A Employees. All Division B
Employee/Participants are subject to an Automatic Deferral Amount equal to 3%
of Compensation effective as of January 1, 2008).]

22.     CODA
(3.02(C)). The CODA provisions of Section 3.02(C) (Choose one of (a)
or (b)):

| |     |      |                                                                                                                                                                                                                                                                                                                                     
| | --- | ---- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | (a) | [X]  | Do not apply.                                                                                                                                                                                                                                                                                                                       
| |     |      |                                                                                                                                                                                                                                                                                                                                     
| | (b) | [  ] | Apply. For each Plan Year for which the Employer
makes a designated CODA contribution under Section 3.02(C), a Participant may
elect to receive directly in cash not more than the following portion (or, if
less, the Elective Deferral Limit) of his/her proportionate share of that
CODA contribution (Choose one of (1) or (2)):
| |     |      |                                                                                                                                                                                                                                                                                                                                     
| | (1) | [  ] | All or any portion.                                                                                                                                                                                                                                                                                                                 
| |     |      |                                                                                                                                                                                                                                                                                                                                     
| | (2) | [  ] | _____%                                                                                                                                                                                                                                                                                                                              

23.     CATCH-UP
DEFERRALS (3.02(D)). A Catch-Up Eligible Participant (Choose one
of (a) or (b)):

|    |      |                                                            
|--- | ---- | -----------------------------------------------------------
|(a) | [X]  | Permitted. May make Catch-Up Deferrals to the Plan.        
|    |      |                                                            
|(b) | [  ] | Not Permitted. May not make Catch-Up Deferrals to
the Plan.

24.     MATCHING
CONTRIBUTIONS (EXCLUDING SAFE HARBOR MATCH AND ADDITIONAL MATCH UNDER SECTION
3.05) (3.03(A)). The Employer Matching Contributions under Election
6(c) are subject to the following additional elections regarding type
(discretionary/fixed), rate/amount, limitations and time period (collectively,
such elections are the matching formula) and the allocation of Matching
Contributions is subject to Section 3.06 except as otherwise provided (Choose
one or more of (a) through (g) as applicable; then, for the elected match,
complete (1), (2), and/or (3) as applicable. If the Employer completes (2) or
(3), also complete one of (4), (5), or (6)):

[Note: If the Employer wishes to
make any Matching Contributions that satisfy the ADP or ACP safe harbor, the
Employer should make these Elections under Election 30, and not under this
Election 24.]

© 2008 Prudential

11

---



Nonstandardized 401(k) Plan

|    |       |                                                                                                                                           |  |                                                     |                |                                                              |       |                                                       |       |                                                     |       |                                                               |       |                                                                       |          
|--- | ----- | ----------------------------------------------------------------------------------------------------------------------------------------- |  | --------------------------------------------------- | -------------- | ------------------------------------------------------------ | ----- | ----------------------------------------------------- | ----- | --------------------------------------------------- | ----- | ------------------------------------------------------------- | ----- | --------------------------------------------------------------------- | ---------
|    |       |                                                                                                                                           |  | (1)
 Match
 Rate/Amt
 [$/% of Elective 
 Deferrals] |                | (2)
 Limit on 
 Deferrals 
 Matched
 [$/% of 
 Compensation] |       | (3)
 Limit on 
 Match Amount
 [$/% of 
 Compensation] |       | (4)
 Apply 
 limit(s) per 
 Plan Year 
 [true-up] |       | (5)
 Apply 
 limit(s) per 
 payroll 
 period [no 
 true-up] |       | (6)
 Apply 
 limit(s) per 
 designated 
 time period 
 [no true-up]
|    |       |                                                                                                                                           |  |                                                     |                |                                                              |       |                                                       |       |                                                     |       |                                                               |       |                                                                      
|(a) | [   ] | Discretionary see Section 1.34(B) (The Employer may, but is not required to complete
 (a)(1)-(6). See the Note following Election 24.) |  | _____                                               |                | _____                                                        |       | _____                                                 |       | [   ]                                               |       | [   ]                                                         |       | [   ]____                                                            
|    |       |                                                                                                                                           |  |                                                     |                |                                                              |       |                                                       |       |                                                     |       |                                                               |       |                                                                      
|(b) | [   ] | Fixed  uniform rate/amount                                                                                                               |  | _____                                               |                | _____                                                        |       | _____                                                 |       | [   ]                                               |       | [   ]                                                         |       | [   ]____                                                            
|    |       |                                                                                                                                           |  |                                                     |                |                                                              |       |                                                       |       |                                                     |       |                                                               |       |                                                                      
|(c) | [   ] | Fixed  tiered                                                                                                                            |  | Elective
 Deferral %                                | Matching
 Rate |                                                              | _____ |                                                       | _____ |                                                     | [   ] |                                                               | [   ] |                                                                       | [   ]____
|    |       |                                                                                                                                           |  | ______%                                             | _____%         |                                                              |       |                                                       |       |                                                     |       |                                                               |       |                                                                       |          
|    |       |                                                                                                                                           |  | ______%                                             | _____%         |                                                              |       |                                                       |       |                                                     |       |                                                               |       |                                                                       |          
|    |       |                                                                                                                                           |  | ______%                                             | _____%         |                                                              |       |                                                       |       |                                                     |       |                                                               |       |                                                                       |          
|    |       |                                                                                                                                           |  | ______%                                             | _____%         |                                                              |       |                                                       |       |                                                     |       |                                                               |       |                                                                       |          
|    |       |                                                                                                                                           |  |                                                     |                |                                                              |       |                                                       |       |                                                     |       |                                                               |       |                                                                       |          
|(d) | [   ] | Fixed  Years of Service                                                                                                                  |  | Years
 of Service                                   | Matching
 Rate |                                                              | _____ |                                                       | _____ |                                                     | [   ] |                                                               | [   ] |                                                                       | [   ]____
|    |       |                                                                                                                                           |  | ______                                              | _____%         |                                                              |       |                                                       |       |                                                     |       |                                                               |       |                                                                       |          
|    |       |                                                                                                                                           |  | ______                                              | _____%         |                                                              |       |                                                       |       |                                                     |       |                                                               |       |                                                                       |          
|    |       |                                                                                                                                           |  | ______                                              | _____%         |                                                              |       |                                                       |       |                                                     |       |                                                               |       |                                                                       |          
|    |       |                                                                                                                                           |  | ______                                              | _____%         |                                                              |       |                                                       |       |                                                     |       |                                                               |       |                                                                       |          

| |     |                                                                                |       |                                                               
| | --- | ------------------------------------------------------------------------------ | ----- | --------------------------------------------------------------
| | (1) | Years of
 Service under this Election 24(d) means (Choose
 one of a. or b.):
| |     |                                                                                |       |                                                               
| |     | a.                                                                             | [   ] | Eligibility. Years of Service for
 eligibility in Election 16.
| |     |                                                                                |       |                                                               
| |     | b.                                                                             | [   ] | Vesting. Years of Service for vesting in
 Elections 42 and 43.

|    |       |                           |  |            |          |  |       |  |       |  |       |  |       |  |          
|--- | ----- | ------------------------- |  | ---------- | -------- |  | ----- |  | ----- |  | ----- |  | ----- |  | ---------
|(e) | [   ] | Fixed  multiple formulas |  | Formula 1: | ________ |  | _____ |  | _____ |  | [   ] |  | [   ] |  | [   ]____
|    |       |                           |  | Formula 2: | ________ |  | _____ |  | _____ |  | [   ] |  | [   ] |  | [   ]____
|    |       |                           |  | Formula 3: | ________ |  | _____ |  | _____ |  | [   ] |  | [   ] |  | [   ]____

|    |       |                                                                                                                                                                                   |       |                                                                                                                                                                                               
|--- | ----- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|(f) | [   ] | Related and Participating Employers. If any
 Related and Participating Employers contribute Matching Contributions to the
 Plan, the following apply (Complete (1)
 and (2)):    
|    |       |                                                                                                                                                                                   |       |                                                                                                                                                                                               
|    | (1)   | Matching formula. The matching formula for
 the Participating Employer(s) (Choose one
 of a. or b.):                                                                             
|    |       |                                                                                                                                                                                   |       |                                                                                                                                                                                               
|    |       | a.                                                                                                                                                                                | [   ] | All the same. Is (are) the same as for the
 Signatory Employer under this Election 24.                                                                                                        
|    |       |                                                                                                                                                                                   |       |                                                                                                                                                                                               
|    |       | b.                                                                                                                                                                                | [   ] | At least one different. Is (are) as follows:
 ______________________________________.                                                                                                         
|    |       |                                                                                                                                                                                   |       |                                                                                                                                                                                               
|    | (2)   | Allocation sharing. The Plan Administrator
 will allocate the Matching Contributions made by the Signatory Employer and
 by any Participating Employer (Choose one
 of a. or b.):
|    |       |                                                                                                                                                                                   |       |                                                                                                                                                                                               
|    |       | a.                                                                                                                                                                                | [   ] | Employer by Employer. Only to the
 Participants directly employed by the contributing Employer.                                                                                               
|    |       |                                                                                                                                                                                   |       |                                                                                                                                                                                               
|    |       | b.                                                                                                                                                                                | [   ] | Across Employer lines. To all Participants
 regardless of which Employer directly employs them and regardless of whether
 their direct Employer made Matching Contributions for the Plan Year.

[Note: The Employer should not elect 24(f) unless
there are Related Employers which are also Participating Employers. See Section
1.23(D).]

© 2008 Prudential

12

---



Nonstandardized 401(k) Plan

|    |       |                                                                                                                                                                                                                                                                                                             |  | 
|--- | ----- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | 
|(g) | [   ] | Describe:
 ___________________________________________________________ (e.g., A Discretionary Matching Contribution
 applies to Division A Participants. A Fixed Matching Contribution equal to 50%
 of Elective Deferrals not exceeding 6% of Plan Year Compensation applies to
 Division B Participants.)

[Note: See Section 1.34(A) as to Fixed Matching
Contributions. A Participants Elective Deferral percentage is equal to the
Participants Elective Deferrals divided by his/her Compensation. The matching
rate/amount is the specified rate/amount of match for the corresponding
Elective Deferral amount/percentage. Any Matching Contributions apply to
Pre-Tax Deferrals and to Roth Deferrals unless described otherwise in Election
24(g). Matching Contributions for nondiscrimination testing purposes are
subject to the targeting limitations. See Section 4.10(D). The Employer under
Election 24(a) in its discretion may determine the amount of a Discretionary
Matching Contribution and the matching contribution formula. Alternatively, the
Employer in Election 24(a) may specify the Discretionary Matching Contribution
formula.]

|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |       |                                                                                                                                                                                                       |                                                                                                                                                                            |                                                                                                        
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------
|25. QMAC
 (PLAN-DESIGNATED) (3.03(C)(1)).
 The following provisions apply regarding Plan-Designated QMACs (Choose one of (a) or (b)):                                                                                                                                                                                                                                                                                                                                                                                                         
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |      
|[Note: Regardless of its elections under this
 Election 25, the Employer under Section 3.03(C)(2) may elect for any Plan
 Year where the Plan is using Current Year Testing to make Operational QMACs
 which the Plan Administrator will allocate only to NHCEs for purposes of
 correction of an ADP or ACP test failure.]                                                                                                                                                                                                                   
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |       |                                                                                                                                                                                                       |                                                                                                                                                                            |                                                                                                        
|(a)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            | [   ] | Not applicable. There are no Plan-Designated
 QMACs.                                                                                                                                                 
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |       |                                                                                                                                                                                                      
|(b)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            | [   ] | Applies. There are Plan-Designated QMACs to
 which the following provisions apply (Complete
 (1) and (2)):                                                                                           
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |       |                                                                                                                                                                                                       |                                                                                                                                                                            |                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | (1)   | Matching Contributions affected. The
 following Matching Contributions (as allocated to the designated allocation
 group under Election 25(b)(2)) are Plan-Designated QMACs (Choose one of a. or b.):
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |       |                                                                                                                                                                                                       |                                                                                                                                                                            |                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |       | a.                                                                                                                                                                                                    | [   ]                                                                                                                                                                      | All. All Matching Contributions.                                                                       
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |       |                                                                                                                                                                                                       |                                                                                                                                                                            |                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |       | b.                                                                                                                                                                                                    | [   ]                                                                                                                                                                      | Designated. Only the following Matching
 Contributions under Election 24: __________________.          
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |       |                                                                                                                                                                                                       |                                                                                                                                                                            |                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | (2)   | Allocation Group. Subject to Section 3.06,
 allocate the Plan-Designated QMAC (Choose
 one of a. or b.):                                                                                             
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |       |                                                                                                                                                                                                       |                                                                                                                                                                            |                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |       | a.                                                                                                                                                                                                    | [   ]                                                                                                                                                                      | NHCEs only. Only to NHCEs who make Elective
 Deferrals subject to the Plan-Designated QMAC.            
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |       |                                                                                                                                                                                                       |                                                                                                                                                                            |                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |       | b.                                                                                                                                                                                                    | [   ]                                                                                                                                                                      | All Participants. To all Participants who
 make Elective Deferrals subject to the Plan-Designated QMAC.
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |       |                                                                                                                                                                                                       |                                                                                                                                                                            |                                                                                                        
|The Plan
 Administrator will allocate all other Matching Contributions as Regular
 Matching Contributions under Section 3.03(B), except as provided in Sections
 3.03(C)(2) or 3.05.                                                                                                                                                                                                                                                                                                                                                          
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              
|[Note: See Section 4.10(D) as to targeting
 limitations applicable to QMAC nondiscrimination testing.]                                                                                                                                                                                                                                                                                                                                                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |       |                                                                                                                                                                                                       |                                                                                                                                                                            |                                                                                                        
|26. MATCHING CATCH-UP DEFERRALS (3.03(D)).
 If a Participant makes a Catch-Up Deferral, the Employer (Choose one of (a) or (b)):                                                                                                                                                                                                                                                                                                                                                                                                              
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |       |                                                                                                                                                                                                       |                                                                                                                                                                            |                                                                                                        
|(a)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            | [X]   | Match. Will apply to the Catch-Up Deferral (Choose one of (1) or (2)):                                                                                                                               
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |       |                                                                                                                                                                                                       |                                                                                                                                                                            |                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | (1)   | [X]                                                                                                                                                                                                   | All. All Matching Contributions.                                                                                                                                          
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |       |                                                                                                                                                                                                       |                                                                                                                                                                           
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | (2)   | [   ]                                                                                                                                                                                                 | Designated. The following Matching
 Contributions in Election 24: ______________________________.                                                                         
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |       |                                                                                                                                                                                                       |                                                                                                                                                                            |                                                                                                        
|(b)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            | [   ] | No Match. Will not match any Catch-Up
 Deferrals.                                                                                                                                                    
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |       |                                                                                                                                                                                                      
|[Note: Election 26 does not apply to a safe harbor
 401(k) plan unless the Employer will apply the ACP test. See Elections
 37(a)(2)b. and 37(a)(2)c.(ii). In this case, Election 26 applies only to
 Additional Matching, if any. A safe harbor 401(k) Plan will apply the Basic
 Match or Enhanced Match to Catch-Up Deferrals. If the Employer elects to
 apply the ACP test safe harbor under Election 37(a)(2)a. or 37(a)(2)c.(i),
 Election 26 does not apply and the Plan also will apply any Additional Match
 to Catch-Up Deferrals.]
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              
|27. NONELECTIVE
 CONTRIBUTIONS (TYPE/AMOUNT) INCLUDING PREVAILING WAGE CONTRIBUTIONS (3.04(A)). The Employer Nonelective
 Contributions under Election 6(d) are subject to the following additional
 elections as to type and amount (Choose
 one or more of (a) through (e) as applicable):                                                                                                                                                                                                                                                  
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |       |                                                                                                                                                                                                       |                                                                                                                                                                            |                                                                                                        
|(a)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            | [   ] | Discretionary. An amount the Employer in its
 sole discretion may determine.                                                                                                                         
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |       |                                                                                                                                                                                                      
|(b)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            | [   ] | Fixed. (Choose
 one or more of (1), (2), and (3) as applicable):                                                                                                                                     
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |       |                                                                                                                                                                                                       |                                                                                                                                                                            |                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | (1)   | [   ]                                                                                                                                                                                                 | Uniform %. _____% of each Participants
 Compensation, per _____________ (e.g.,
 Plan Year, month).                                                                       
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |       |                                                                                                                                                                                                       |                                                                                                                                                                           
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | (2)   | [   ]                                                                                                                                                                                                 | Fixed dollar amount. $_____, per
 ____________ (e.g., Plan Year, month, HOS,
 per Participant per month).                                                                 
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |       |                                                                                                                                                                                                       |                                                                                                                                                                           
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | (3)   | [   ]                                                                                                                                                                                                 | Describe:
 ______________________________________________________ (specify time period, e.g., per Plan Year quarter.
 If not specified, the time period is the Plan Year).
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |       |                                                                                                                                                                                                       |                                                                                                                                                                           
|[Note: The Employer under Election 27(b)(3) may
 specify any Fixed Nonelective Contribution formula not described under
 Elections 27(b)(1) or (2) (e.g., For each Plan Year, 2% of net profits
 exceeding $50,000) and/or the Employer may describe different Fixed
 Nonelective Contributions as applicable to different Participant groups
 (e.g., A Fixed Nonelective Contribution equal to 5% of Plan Year                                                                                                                               

© 2008 Prudential

13

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Nonstandardized 401(k) Plan

|                                                                                                                                                                                                                                                                                                                                                                                                              |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                                                                               |                                                                                                                                                                                                    
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|Compensation applies to Division A Participants and a Fixed
 Nonelective Contribution equal to $500 per Participant each Plan Year applies
 to Division B Participants).]                                                                                                                                                                                                                                    
|                                                                                                                                                                                                                                                                                                                                                                                                              |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                                                                               |                                                                                                                                                                                                    
|(c)                                                                                                                                                                                                                                                                                                                                                                                                           | [   ] | Prevailing Wage Contribution. The Prevailing
 Wage Contribution amount(s) specified for the Plan Year or other applicable
 period in the Employers Prevailing Wage Contract(s). The Employer will make
 a Prevailing Wage Contribution only to Participants covered by the Contract
 and only as to Compensation paid under the Contract. If the Participant
 accrues an allocation of Employer Contributions (including forfeitures) under
 the Plan or any other Employer plan in addition to the Prevailing Wage
 Contribution, the Plan Administrator will (Choose
 one of (1) or (2)):
|                                                                                                                                                                                                                                                                                                                                                                                                              |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                                                                               |                                                                                                                                                                                                    
|                                                                                                                                                                                                                                                                                                                                                                                                              | (1)   | [   ]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | No offset. Not reduce the Participants
 Employer Contribution allocation by the amount of the Prevailing Wage
 Contribution.
|                                                                                                                                                                                                                                                                                                                                                                                                              |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                                                                               |                                                                                                                                                                                                    
|                                                                                                                                                                                                                                                                                                                                                                                                              | (2)   | [   ]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Offset. Reduce the Participants Employer
 Contribution allocation by the amount of the Prevailing Wage Contribution.        
|                                                                                                                                                                                                                                                                                                                                                                                                              |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                                                                              
|(d)                                                                                                                                                                                                                                                                                                                                                                                                           | [   ] | Related and Participating Employers. If any
 Related and Participating Employers contribute Nonelective Contributions to
 the Plan, the contribution formula(s) (Choose
 one of (1) or (2)):                                                                                                                                                                                                                                                                                                                                                                                                
|                                                                                                                                                                                                                                                                                                                                                                                                              |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                                                                               |                                                                                                                                                                                                    
|                                                                                                                                                                                                                                                                                                                                                                                                              | (1)   | [   ]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | All the same. Is (are) the same as for the
 Signatory Employer under this Election 27.                                       
|                                                                                                                                                                                                                                                                                                                                                                                                              |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                                                                              
|                                                                                                                                                                                                                                                                                                                                                                                                              | (2)   | [   ]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | At least one different. Is (are) as follows:
 _________________________.                                                     
|                                                                                                                                                                                                                                                                                                                                                                                                              |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                                                                              
|[Note: The Employer should not elect 27(d) unless
 there are Related Employers which are also Participating Employers. See
 Section 1.23(D). The Employer electing 27(d) also must complete Election
 28(g) as to the allocation methods which apply to the Participating
 Employers.]                                                                                                                       
|                                                                                                                                                                                                                                                                                                                                                                                                              |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                                                                               |                                                                                                                                                                                                    
|(e)                                                                                                                                                                                                                                                                                                                                                                                                           | [   ] | Describe:
 _________________________________________________________________________________                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                
|                                                                                                                                                                                                                                                                                                                                                                                                              |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                                                                               |                                                                                                                                                                                                    
|[Note: Under Election 27(e), the Employer may
 describe the amount and type of Nonelective Contributions from the elections
 available under Election 27 and/or a combination thereof as to a Participant group
 (e.g., A Discretionary Nonelective Contribution applies to Division A
 Employees. A Fixed Nonelective Contribution equal to 5% of Plan Year
 Compensation applies to Division B Employees).]
|                                                                                                                                                                                                                                                                                                                                                                                                             
|28. NONELECTIVE
 CONTRIBUTION ALLOCATION (3.04(B)).
 The Plan Administrator, subject to Section 3.06, will allocate to each
 Participant any Nonelective Contribution (excluding QNECs) under the
 following contribution allocation formula (Choose
 one or more of (a) through (h) as applicable):                                                                                                         
|                                                                                                                                                                                                                                                                                                                                                                                                              |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                                                                               |                                                                                                                                                                                                    
|(a)                                                                                                                                                                                                                                                                                                                                                                                                           | [   ] | Pro rata. As a uniform percentage of
 Participant Compensation.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             
|                                                                                                                                                                                                                                                                                                                                                                                                              |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             
|(b)                                                                                                                                                                                                                                                                                                                                                                                                           | [   ] | Permitted disparity. In accordance with the
 permitted disparity allocation provisions of Section 3.04(B)(2), under which
 the following permitted disparity formula and definition of Excess Compensation
 apply (Complete (1) and (2)):                                                                                                                                                                                                                                                                                                                                                 
|                                                                                                                                                                                                                                                                                                                                                                                                              |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             
|                                                                                                                                                                                                                                                                                                                                                                                                              | (1)   | Formula (Choose
 one of a. or b.):                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          
|                                                                                                                                                                                                                                                                                                                                                                                                              |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                                                                               |                                                                                                                                                                                                    
|                                                                                                                                                                                                                                                                                                                                                                                                              |       | a.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           | [   ]                                                                                                                         | Two-tiered.                                                                                                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                              |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                                                                               |                                                                                                                                                                                                    
|                                                                                                                                                                                                                                                                                                                                                                                                              |       | b.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           | [   ]                                                                                                                         | Four-tiered.                                                                                                                                                                                       
|                                                                                                                                                                                                                                                                                                                                                                                                              |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                                                                               |                                                                                                                                                                                                    
|                                                                                                                                                                                                                                                                                                                                                                                                              | (2)   | Excess Compensation. For purposes of Section
 3.04(B)(2), Excess Compensation means Compensation in excess of (Choose one of a. or b.):                                                                                                                                                                                                                                                                                                                                                                                                                                                   
|                                                                                                                                                                                                                                                                                                                                                                                                              |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                                                                               |                                                                                                                                                                                                    
|                                                                                                                                                                                                                                                                                                                                                                                                              |       | a.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           | [   ]                                                                                                                         | Percentage amount. ______% (not exceeding 100%) of the taxable wage
 base in effect on the first day of the Plan Year, rounded to the next highest
 $______ (not exceeding the taxable wage
 base).
|                                                                                                                                                                                                                                                                                                                                                                                                              |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                                                                               |                                                                                                                                                                                                    
|                                                                                                                                                                                                                                                                                                                                                                                                              |       | b.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           | [   ]                                                                                                                         | Dollar amount. The following amount: $_____ (not exceeding the taxable wage base in effect on
 the first day of the Plan Year).                                                                    
|                                                                                                                                                                                                                                                                                                                                                                                                              |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                                                                               |                                                                                                                                                                                                    
|(c)                                                                                                                                                                                                                                                                                                                                                                                                           | [   ] | Incorporation of contribution formula. The
 Plan Administrator will allocate any Fixed Nonelective Contribution under
 Elections 27(b), 27(d) or 27(e), or any Prevailing Wage Contribution under
 Election 27(c), in accordance with the contribution formula the Employer
 adopts under those Elections.                                                                                                                                                                                                                                                                                  
|                                                                                                                                                                                                                                                                                                                                                                                                              |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             
|(d)                                                                                                                                                                                                                                                                                                                                                                                                           | [   ] | Classifications of Participants. In accordance
 with the classifications allocation provisions of Section 3.04(B)(3). The
 classifications are (Choose one of (1),
 (2), or (3)):                                                                                                                                                                                                                                                                                                                                                                                                           
|                                                                                                                                                                                                                                                                                                                                                                                                              |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             
|[Note: Typically,
 the Employer would elect 28(d) where it intends to satisfy nondiscrimination
 requirements using cross-testing under Treas. Reg. §1.401(a)(4)-8. However,
 choosing this election does not necessarily require application of
 cross-testing and the Plan may be able to satisfy nondiscrimination as to its
 classification-based allocations by testing allocation rates.]            
|                                                                                                                                                                                                                                                                                                                                                                                                              |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                                                                               |                                                                                                                                                                                                    
|                                                                                                                                                                                                                                                                                                                                                                                                              | (1)   | [   ]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Each in own classification. Each Participant
 constitutes a separate classification.                                         
|                                                                                                                                                                                                                                                                                                                                                                                                              |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                                                                               |                                                                                                                                                                                                    
|                                                                                                                                                                                                                                                                                                                                                                                                              | (2)   | [   ]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | NHCEs/HCEs. Nonhighly Compensated
 Employee/Participants and Highly Compensated Employee/Participants.                       
|                                                                                                                                                                                                                                                                                                                                                                                                              |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                                                                               |                                                                                                                                                                                                    
|                                                                                                                                                                                                                                                                                                                                                                                                              | (3)   | [   ]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Describe the classifications:
 __________________________________________________________                                    

© 2008 Prudential

14

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Nonstandardized 401(k) Plan

|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       |                                                                                                                                                                                                                                                                                            |                                                                                                                                             |                                                                                                                                                                                                        
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | ----- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | ------------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|[Note: Any classifications under Election 28(d) must
 result in a definitely determinable allocation under Treas. Reg. §1.401-1(b)(1)(ii)
 and must constitute a reasonable classification within the meaning of Treas.
 Reg. §1.410(b)-4(b). The number of allocation rates is subject to the
 limitations in Section 3.04(B)(3)(b). Standard interest and mortality
 assumptions under Treas. Reg. §1.401(a)(4)-12 apply. In the case of a
 self-employed Participant, the requirements of Treas. Reg. §1.401(k)-1(a)(6)
 apply and the allocation method should not result in a cash or deferred
 election for the self-employed Participant. The Employer by the due date of
 its tax return (including extensions) must advise the Plan Administrator or
 Trustee in writing as to the allocation rate applicable to each Participant
 under Election 28(d)(1) or applicable to each classification under Elections
 28(d)(2) or (3) for the allocation Plan Year. Under Election 28(d)(1), the
 Employer may decide from year to year the classification (allocation rate)
 applicable to each Participant, without the need to amend the Plan to change
 the classification.]
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       |                                                                                                                                                                                                                                                                                            |                                                                                                                                             |                                                                                                                                                                                                        
|(e)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  | [   ] | Age-based. In accordance with the age-based
 allocation provisions of Section 3.04(B)(5). The Plan Administrator will use
 the Actuarial Factors based on the following assumptions (Complete both (1) and (2)):                                                                          
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       |                                                                                                                                                                                                                                                                                            |                                                                                                                                             |                                                                                                                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     | (1)   | Interest rate. (Choose one of a., b., or c.):                                                                                                                                                                                                                                             
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       |                                                                                                                                                                                                                                                                                            |                                                                                                                                             |                                                                                                                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       | a.                                                                                                                                                                                                                                                                                         | [   ]                                                                                                                                       | 7.5%b.     [   ]     8.0%          c.     [   ]     8.5%                                                                                                                                               
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       |                                                                                                                                                                                                                                                                                            |                                                                                                                                             |                                                                                                                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     | (2)   | Mortality table. (Choose one of a. or b.):                                                                                                                                                                                                                                                
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       |                                                                                                                                                                                                                                                                                            |                                                                                                                                             |                                                                                                                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       | a.                                                                                                                                                                                                                                                                                         | [   ]                                                                                                                                       | UP-1984. See Appendix D.                                                                                                                                                                               
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       |                                                                                                                                                                                                                                                                                            |                                                                                                                                             |                                                                                                                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       | b.                                                                                                                                                                                                                                                                                         | [   ]                                                                                                                                       | Alternative: __________________ (Specify 1983 GAM, 1983 IAM, 1971 GAM or 1971 IAM
 and attach applicable tables using such mortality table and the specified
 interest rate as replacement Appendix D.)
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       |                                                                                                                                                                                                                                                                                            |                                                                                                                                             |                                                                                                                                                                                                        
|(f)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  | [   ] | Uniform points. In accordance with the
 uniform points allocation provisions of Section 3.04(B)(6). Under the uniform
 points allocation formula, a Participant receives (Choose one or both of (1) and (2). Choose (3) if applicable):                                                   
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       |                                                                                                                                                                                                                                                                                            |                                                                                                                                             |                                                                                                                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     | (1)   | [   ]                                                                                                                                                                                                                                                                                      | Years of Service. ____________ point(s) for
 each Year of Service. The maximum number of Years of Service counted for
 points is _________.
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       |                                                                                                                                                                                                                                                                                            |                                                                                                                                             |                                                                                                                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       | Year of
 Service under this Election 28(f) means (Choose
 one of a. or b.):                                                                                                                                                                                                             
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       |                                                                                                                                                                                                                                                                                            |                                                                                                                                             |                                                                                                                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       | a.                                                                                                                                                                                                                                                                                         | [   ]                                                                                                                                       | Eligibility. Years of Service for
 eligibility in Election 16.                                                                                                                                         
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       |                                                                                                                                                                                                                                                                                            |                                                                                                                                             |                                                                                                                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       | b.                                                                                                                                                                                                                                                                                         | [   ]                                                                                                                                       | Vesting. Years of Service for vesting in
 Elections 42 and 43.                                                                                                                                         
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       |                                                                                                                                                                                                                                                                                            |                                                                                                                                             |                                                                                                                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       | [Note: A Year of Service must satisfy Treas. Reg.
 §1.401(a)(4)-11(d)(3) for the uniform points allocation to qualify as a safe
 harbor allocation under Treas. Reg. §1.401(a)(4)-2(b)(3).]                                                                                               
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       |                                                                                                                                                                                                                                                                                            |                                                                                                                                             |                                                                                                                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     | (2)   | [   ]                                                                                                                                                                                                                                                                                      | Age. ____________ point(s) for each year of
 age attained during the Plan Year.                                                            
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       |                                                                                                                                                                                                                                                                                            |                                                                                                                                             |                                                                                                                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     | (3)   | [   ]                                                                                                                                                                                                                                                                                      | Compensation. ____________ point(s) for each
 $______ (not to exceed $200)
 increment of Plan Year Compensation.                           
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       |                                                                                                                                                                                                                                                                                            |                                                                                                                                             |                                                                                                                                                                                                        
|(g)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  | [   ] | Related and Participating Employers. If any
 Related and Participating Employers contribute Nonelective Contributions to
 the Plan, the Plan Administrator will allocate the Nonelective Contributions
 made by the Participating Employer(s) under Election 27(d) (Complete (1) and (2)):
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       |                                                                                                                                                                                                                                                                                            |                                                                                                                                             |                                                                                                                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     | (1)   | Allocation Method. (Choose one of a. or b.):                                                                                                                                                                                                                                              
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       |                                                                                                                                                                                                                                                                                            |                                                                                                                                             |                                                                                                                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       | a.                                                                                                                                                                                                                                                                                         | [   ]                                                                                                                                       | All the same. Using the same allocation
 method as applies to the Signatory Employer under this Election 28.                                                                                           
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       |                                                                                                                                                                                                                                                                                            |                                                                                                                                             |                                                                                                                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       | b.                                                                                                                                                                                                                                                                                         | [   ]                                                                                                                                       | At least one different. Under the following
 allocation method(s): __________________________.                                                                                                         
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       |                                                                                                                                                                                                                                                                                            |                                                                                                                                             |                                                                                                                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     | (2)   | Allocation sharing. The Plan Administrator
 will allocate the Nonelective Contributions made by the Signatory Employer
 and by any Participating Employer (Choose
 one of a. or b.):                                                                                                      
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       |                                                                                                                                                                                                                                                                                            |                                                                                                                                             |                                                                                                                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       | a.                                                                                                                                                                                                                                                                                         | [   ]                                                                                                                                       | Employer by Employer. Only to the
 Participants directly employed by the contributing Employer.                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       |                                                                                                                                                                                                                                                                                            |                                                                                                                                             |                                                                                                                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       | b.                                                                                                                                                                                                                                                                                         | [   ]                                                                                                                                       | Across Employer lines. To all Participants
 regardless of which Employer directly employs them and regardless of whether
 their direct Employer made Nonelective Contributions for the Plan Year.      
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       |                                                                                                                                                                                                                                                                                            |                                                                                                                                             |                                                                                                                                                                                                        
|[Note: The Employer should not elect 28(g) unless
 there are Related Employers which are also Participating Employers. See
 Section 1.23(D) and Election 27(d). If the Employer elects 28(g)(2)a., the
 Employer should also elect 11(b)(8)b., to disregard the Compensation paid by
 Y Participating Employer in determining the allocation of the X
 Participating Employer contribution to a Participant (and vice versa) who
 receives Compensation from both X and Y. If the Employer elects 28(g)(2)b.,
 the Employer should not elect 11(b)(8)b. Election 28(g)(2)a. does not apply
 to Safe Harbor Nonelective Contributions.]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |       |                                                                                                                                                                                                                                                                                            |                                                                                                                                             |                                                                                                                                                                                                        
|(h)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  | [   ] | Describe:
 ________________________________________________________________________________
 (e.g., Pro rata as to Division A
 Participants and Permitted Disparity (two-tiered at 100% of the SSTWB) as to
 Division B Participants.)                                                    

© 2008 Prudential

15

---



Nonstandardized
401(k) Plan

|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |       |                                                                                               
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----- | ----------------------------------------------------------------------------------------------
|29. QNEC
 (PLAN-DESIGNATED) (3.04(C)(1)).
 The following provisions apply regarding Plan-Designated QNECs (Choose one of (a) or (b)):                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                
|[Note: Regardless of its elections under this
 Election 29, the Employer under Section 3.04(C)(2) may elect for any Plan
 Year where the Plan is using Current Year Testing to make Operational QNECs
 which the Plan Administrator will allocate only to NHCEs for purposes of
 correction of an ADP or ACP test failure.]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |       |                                                                                               
|(a)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | [   ] | Not applicable. There are no Plan-Designated
 QNECs.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |       |                                                                                               
|(b)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | [   ] | Applies. There are Plan-Designated QNECs to
 which the following provisions apply (Complete
 (1), (2), and (3)):                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |       |                                                                                               
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 | (1)   | Nonelective Contributions affected. The
 following Nonelective Contributions (as allocated to the designated
 allocation group under Election 29(b)(2)) are Plan-Designated QNECs (Choose one of a. or b.):                                                                                                                                                                                                                                                                                                                                                                                                                                                                     
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |       |                                                                                               
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |       | a.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | [   ] | All. All Nonelective Contributions.                                                           
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |       |                                                                                               
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |       | b.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | [   ] | Designated. Only the following Nonelective
 Contributions under Election 27: ________________.
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |       |                                                                                               
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 | (2)   | Allocation Group. Subject to Section 3.06,
 allocate the Plan-Designated QNEC (Choose
 one of a. or b.):                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |       |                                                                                               
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |       | a.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | [   ] | NHCEs only. Only to NHCEs under the method
 elected in Election 29(b)(3).                     
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |       |                                                                                               
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |       | b.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | [   ] | All Participants. To all Participants under
 the method elected in Election 29(b)(3).         
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |       |                                                                                               
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 | (3)   | Allocation Method. The Plan Administrator
 will allocate a Plan-Designated QNEC using the following method (Choose one of a., b., c., or d.):                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |       |                                                                                               
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |       | a.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | [   ] | Pro rata.                                                                                     
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |       |                                                                                               
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |       | b.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | [   ] | Flat dollar.                                                                                  
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |       |                                                                                               
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |       | c.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | [   ] | Reverse. See Section 3.04(C)(3).                                                              
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |       |                                                                                               
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |       | d.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | [   ] | Describe:
 ________________________________________________________________________           
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |       |                                                                                               
|[Note: Any allocation method the Employer elects
 under Election 29(b)(3)d. must be definitely determinable. See Section
 4.10(D) as to targeting limitations applicable to QNEC nondiscrimination
 testing.]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                
|30. SAFE
 HARBOR 401(k) PLAN (SAFE HARBOR CONTRIBUTIONS/ADDITIONAL MATCHING
 CONTRIBUTIONS) (3.05). The
 Employer under Election 6(e) will (or in the case of the Safe Harbor
 Nonelective Contribution may) contribute the following Safe Harbor
 Contributions described in Section 3.05(E) and will or may contribute
 Additional Matching Contributions described in Section 3.05(F) (Choose one of (a), (b), (c), or (d) when and as
 applicable. Complete (e) and (h). Choose (f), (g), and (i) as applicable):                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |       |                                                                                               
|(a)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | [   ] | Safe Harbor Nonelective Contribution. The
 Safe Harbor Nonelective Contribution equals _______% of a Participants Compensation
 [Note: The amount in the blank must be at
 least 3%. The Safe Harbor
 Nonelective Contribution applies toward (offsets) most other Employer
 Nonelective Contributions. See Section 3.05(E)(11).]                                                                                                                                                                                                                                                                                                                                              
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 
|(b)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | [   ] | Safe Harbor Nonelective Contribution/delayed year-by-year election
 (maybe and supplemental
 notices). In connection with the Employers provision of the maybe
 notice under Section 3.05(I)(1), the Employer elects into safe harbor status
 by giving the supplemental notice and by making this Election 30(b) to
 provide for a Safe Harbor Nonelective Contribution equal to ______% (specify amount at least equal to 3%) of
 a Participants Compensation. This Election 30(b) and safe harbor status
 applies for the Plan Year ending: ________________ (specify Plan Year end), which is the
 Plan Year to which the Employers maybe and supplemental notices apply.
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |       |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 
|[Note: If
 the Employer makes a delayed election into safe harbor status under Section
 3.05(I)(1), the Employer must amend the Plan to provide for a Safe Harbor
 Nonelective Contribution equal to at least 3% of each Participants
 Compensation. The Employer may make this amendment by substitute Adoption
 Agreement page (electing Election 30(b)) or by another form of amendment
 under Section 11.02(B). An Employer using the maybe notice should not elect a
 Safe Harbor Nonelective Contribution under Election 30(a) unless the Employer
 intends to continue safe harbor status under this election in the subsequent
 Plan Year. By making its amendment into safe harbor status under Election
 30(b), the Employer avoids the need to further amend the Plan if the Employer
 is not certain that it will apply the safe harbor in the subsequent Plan
 Year. By contrast, an Employer which gave the maybe notice and has decided to
 make the Safe Harbor Nonelective Contribution for that year and for future
 years should use Election 30(a). The Employer only elects 30(a) and should
 not elect 30(b) if prior to the Plan Year the Employer unequivocally decides
 to elect safe harbor status for the Plan Year and provides a safe harbor
 notice consistent with this election rather than giving the maybe notice. If
 the Employer gives the maybe notice and the Employer will or may make
 Matching Contributions, the Employer should elect Additional Matching under
 Election 30(h)(and should not elect Matching Contributions under Election 24)
 if it wishes to avoid ACP testing.]

© 2008 Prudential

16

---



Nonstandardized 401(k) Plan

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

|                             |  |              
|---------------------------- |  | -------------
|Elective Deferral Percentage |  | Matching Rate
|                             |  |              
|_______%                     |  | _______%     
|_______%                     |  | _______%     
|_______%                     |  | _______%     

|                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                                                                                                                                          |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |                                                                                                                                                                                                     
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|                                                                                                                                                                                                                                                                                                                                                                                                                                                         | (3)                                                                                                                                      | Time period. For purposes of this Election
 30(d), Compensation and Elective Deferrals mean Compensation and Elective
 Deferrals for: ________________________. [Note: The Employer must
 complete the blank line with the applicable time period for computing the
 Enhanced Match, such as each payroll period, each calendar month, each
 Plan Year quarter or the Plan Year.]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            
|                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                                                                                                                                          |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |                                                                                                                                                                                                     
|[Note: The matching rate may not increase as the
 Elective Deferral percentage increases and the Enhanced Matching formula
 otherwise must satisfy the requirements of Code §§401(k)(12)(B)(ii) and
 (iii). If the Employer elects to satisfy the ACP safe harbor under Election
 37(a)(2)a., the Employer also must limit Elective Deferrals taken into
 account for the Enhanced Matching Contribution to a maximum of 6% of Plan
 Year Compensation.]
|                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                                                                                                                                          |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |                                                                                                                                                                                                     
|(e)                                                                                                                                                                                                                                                                                                                                                                                                                                                      | Participants who will receive Safe Harbor Contributions.
 The allocation of Safe Harbor Contributions (Choose
 one of (1), (2), or (3)):
|                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                                                                                                                                          |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |                                                                                                                                                                                                     
|                                                                                                                                                                                                                                                                                                                                                                                                                                                         | (1)                                                                                                                                      | [  ]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      | Applies to all Participants. Applies to all
 Participants except as may be limited under Election 30(f).                                                                                            
|                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                                                                                                                                          |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |                                                                                                                                                                                                     
|                                                                                                                                                                                                                                                                                                                                                                                                                                                         | (2)                                                                                                                                      | [  ]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      | NHCEs only. Is limited to NHCE Participants
 only and may be limited further under Election 30(f). No HCE will receive a
 Safe Harbor Contribution allocation.                                      
|                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                                                                                                                                          |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |                                                                                                                                                                                                     
|                                                                                                                                                                                                                                                                                                                                                                                                                                                         | (3)                                                                                                                                      | [  ]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      | NHCEs and designated HCEs. Is limited to
 NHCE Participants and to the following HCE Participants and may be limited
 further under Election 30(f):
 ______________________________________________.
|                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                                                                                                                                          |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |                                                                                                                                                                                                     
|[Note: Any HCE allocation group the Employer
 describes under Election 30(e)(3) must be definitely determinable.
 (e.g., Division A HCEs OR HCEs who own
 more than 5% of the Employer without regard to attribution rules).]                                                                                                                                                                                                                         
|                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                                                                                                                                          |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |                                                                                                                                                                                                     
|(f)                                                                                                                                                                                                                                                                                                                                                                                                                                                      | [  ]                                                                                                                                     | Early Elective Deferrals/delay of Safe Harbor Contribution.
 The Employer may elect this Election 30(f) only if the Employer in Election
 14 elects eligibility requirements for Elective Deferrals of less than age 21
 and one Year of Service but elects age 21 and one Year of Service for Safe
 Harbor Matching or for Safe Harbor Nonelective Contributions. The Employer under
 this Election 30(f) limits the allocation of any Safe Harbor Contribution
 under Election 30 for a Plan Year to those Participants: (i) who have
 attained age 21; (ii) who have completed one Year of Service; and (iii) who
 the Plan Administrator in applying the OEE rule described in Section 4.06(C),
 treats as benefiting in the disaggregated plan covering the Includible
 Employees. Those Participants in the Plan Year whom the Plan Administrator
 treats as Otherwise Excludable Employees will not receive any Safe Harbor
 Contribution allocation and the Plan Administrator will apply the ADP (and,
 as applicable the ACP) test(s) to the disaggregated plan benefiting the
 Otherwise Excludable Employees. If the Employer in Election 10(a)(2) has
 elected Participating Compensation for allocating Elective Deferrals,
 Nonelective Contributions or Matching Contributions (as relevant to the
 allocation under this Election 30 based on the Contribution Type), the Plan
 Administrator, in allocating the Safe Harbor Contribution for the Plan Year
 in which the Participant crosses over to the Includible Employees group, will
 count Compensation and Elective Deferrals only on and following the
 Cross-Over Date. See Section 3.05(D).
|                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                                                                                                                                          |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |                                                                                                                                                                                                     
|(g)                                                                                                                                                                                                                                                                                                                                                                                                                                                      | [  ]                                                                                                                                     | Another plan. The Employer will make the Safe
 Harbor Contribution to the following plan: _______________.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               
|                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                                                                                                                                          |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |                                                                                                                                                                                                     
|(h)                                                                                                                                                                                                                                                                                                                                                                                                                                                      | Additional Matching Contributions. See
 Sections 1.34(G) and 3.05(F). (Choose one
 of (1) or (2)):                                      
|                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                                                                                                                                          |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |                                                                                                                                                                                                     
|                                                                                                                                                                                                                                                                                                                                                                                                                                                         | (1)                                                                                                                                      | [X]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       | No Additional Matching Contributions. The
 Employer will not make any Additional Matching Contributions to its safe
 harbor Plan.                                                                   

© 2008
Prudential

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Nonstandardized 401(k) Plan

|    |      |                                                                                                                                                                                |                                                                                                                                                                         |                                                                                                                                                                                                                                                                                                
|--- | ---- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|(2) | [  ] | Additional Matching Contributions. The
 Employer will or may make the following Additional Matching Contributions to
 its safe harbor Plan. (Choose a. and b. as
 applicable):
|    |      |                                                                                                                                                                                |                                                                                                                                                                         |                                                                                                                                                                                                                                                                                                
|    | a.   | [  ]                                                                                                                                                                           | Fixed Additional Matching Contribution. The
 following Fixed Additional Matching Contribution (Choose (i) and (ii) as applicable and complete (iii) for any
 election):
|    |      |                                                                                                                                                                                |                                                                                                                                                                         |                                                                                                                                                                                                                                                                                                
|    |      | (i)                                                                                                                                                                            | [  ]                                                                                                                                                                    | Uniform percentage. A Matching Contribution
 equal to _______% of each Participants Elective Deferrals but not as to Elective
 Deferrals exceeding _______% of the Participants Compensation.                                                                                                
|    |      |                                                                                                                                                                                |                                                                                                                                                                         |                                                                                                                                                                                                                                                                                                
|    |      | (ii)                                                                                                                                                                           | [  ]                                                                                                                                                                    | Tiered formula. A Matching Contribution
 equal to the specified matching rate for the corresponding level of each
 Participants Elective Deferral percentage. A Participants Elective Deferral
 percentage is equal to the Participants Elective Deferrals divided by
 his/her Compensation.

|                             |  |              
|---------------------------- |  | -------------
|Elective Deferral Percentage |  | Matching Rate
|                             |  |              
|_______%                     |  | _______%     
|_______%                     |  | _______%     
|_______%                     |  | _______%     

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

© 2008
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Nonstandardized 401(k) Plan

|                                                                                                                                              |      |                                                                                                                                                                             |                                                                                                                                                                                        |  |                                         |  |    |  |          |  |             |  |             | 
|--------------------------------------------------------------------------------------------------------------------------------------------- | ---- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | --------------------------------------- |  | -- |  | -------- |  | ----------- |  | ----------- | 
|                                                                                                                                              |      |                                                                                                                                                                             |                                                                                                                                                                                        |  | (1)                                     |  |    |  | (2)      |  | (3)         |  | (4)         | 
|                                                                                                                                              |      |                                                                                                                                                                             |                                                                                                                                                                                        |  | Matching,
 Nonelective
 and Forfeitures |  |    |  | Matching |  | Nonelective |  | Forfeitures | 
|                                                                                                                                              |      |                                                                                                                                                                             |                                                                                                                                                                                        |  |                                         |  |    |  |          |  |             |  |             | 
|                                                                                                                                              | (1)  | [  ]                                                                                                                                                                        | None.                                                                                                                                                                                  |  | N/A                                     |  |    |  | [  ]     |  | [  ]        |  | [  ]        | 
|                                                                                                                                              |      |                                                                                                                                                                             |                                                                                                                                                                                        |  | (See Election
 31(a))                   |  |    |  |          |  |             |  |             | 
|                                                                                                                                              |      |                                                                                                                                                                             |                                                                                                                                                                                        |  |                                         |  |    |  |          |  |             |  |             | 
|                                                                                                                                              | (2)  | [  ]                                                                                                                                                                        | 501 HOS/terminees (91 consecutive days if
 Elapsed Time). See Section 3.06(B)(1)(b).                                                                                                   |  | [  ]                                    |  | OR |  | [  ]     |  | [  ]        |  | [  ]        | 
|                                                                                                                                              |      |                                                                                                                                                                             |                                                                                                                                                                                        |  |                                         |  |    |  |          |  |             |  |             | 
|                                                                                                                                              | (3)  | [  ]                                                                                                                                                                        | Last day of the Plan Year.                                                                                                                                                             |  | [  ]                                    |  | OR |  | [  ]     |  | [  ]        |  | [  ]        | 
|                                                                                                                                              |      |                                                                                                                                                                             |                                                                                                                                                                                        |  |                                         |  |    |  |          |  |             |  |             | 
|                                                                                                                                              | (4)  | [  ]                                                                                                                                                                        | Last day of the Election 31(c) time period.                                                                                                                                            |  | [  ]                                    |  | OR |  | [  ]     |  | [  ]        |  | [  ]        | 
|                                                                                                                                              |      |                                                                                                                                                                             |                                                                                                                                                                                        |  |                                         |  |    |  |          |  |             |  |             | 
|                                                                                                                                              | (5)  | [  ]                                                                                                                                                                        | 1,000 HOS in the Plan Year (182 consecutive
 days in Plan Year if Elapsed Time).                                                                                                       |  | [  ]                                    |  | OR |  | [  ]     |  | [  ]        |  | [  ]        | 
|                                                                                                                                              |      |                                                                                                                                                                             |                                                                                                                                                                                        |  |                                         |  |    |  |          |  |             |  |             | 
|                                                                                                                                              | (6)  | [  ]                                                                                                                                                                        | _____(specify) HOS within the Election 31(c) time period,
 (but not exceeding 1,000 HOS in a Plan Year).                                                                               |  | [  ]                                    |  | OR |  | [  ]     |  | [  ]        |  | [  ]        | 
|                                                                                                                                              |      |                                                                                                                                                                             |                                                                                                                                                                                        |  |                                         |  |    |  |          |  |             |  |             | 
|                                                                                                                                              | (7)  | [  ]                                                                                                                                                                        | Describe conditions:
 __________________________________________________________________                                                                                              
|                                                                                                                                              |      |                                                                                                                                                                             | (e.g., Last day of the Plan Year as to Nonelective Contributions for
 Participating Employer A Participants. No allocation conditions for
 Participating Employer B Participants).
|                                                                                                                                              |      |                                                                                                                                                                             |                                                                                                                                                                                        |  |                                         |  |    |  |          |  |             |  |             | 
|(c)                                                                                                                                           | [  ] | Time period. Under Section 3.06(C), apply
 Elections 31(b)(4), (b)(6) or (b)(7) to the specified
 contributions/forfeitures based on each (Choose
 one of (1) through (5)):
|                                                                                                                                              |      |                                                                                                                                                                             |                                                                                                                                                                                        |  |                                         |  |    |  |          |  |             |  |             | 
|                                                                                                                                              | (1)  | [  ]                                                                                                                                                                        | Plan Year                                                                                                                                                                              |  | [  ]                                    |  | OR |  | [  ]     |  | [  ]        |  | [  ]        | 
|                                                                                                                                              |      |                                                                                                                                                                             |                                                                                                                                                                                        |  |                                         |  |    |  |          |  |             |  |             | 
|                                                                                                                                              | (2)  | [  ]                                                                                                                                                                        | Plan Year quarter                                                                                                                                                                      |  | [  ]                                    |  | OR |  | [  ]     |  | [  ]        |  | [  ]        | 
|                                                                                                                                              |      |                                                                                                                                                                             |                                                                                                                                                                                        |  |                                         |  |    |  |          |  |             |  |             | 
|                                                                                                                                              | (3)  | [  ]                                                                                                                                                                        | Calendar month                                                                                                                                                                         |  | [  ]                                    |  | OR |  | [  ]     |  | [  ]        |  | [  ]        | 
|                                                                                                                                              |      |                                                                                                                                                                             |                                                                                                                                                                                        |  |                                         |  |    |  |          |  |             |  |             | 
|                                                                                                                                              | (4)  | [  ]                                                                                                                                                                        | Payroll period                                                                                                                                                                         |  | [  ]                                    |  | OR |  | [  ]     |  | [  ]        |  | [  ]        | 
|                                                                                                                                              |      |                                                                                                                                                                             |                                                                                                                                                                                        |  |                                         |  |    |  |          |  |             |  |             | 
|                                                                                                                                              | (5)  | [  ]                                                                                                                                                                        | Describe time period:
 __________________________________________________________________                                                                                             
|                                                                                                                                              |      |                                                                                                                                                                             |                                                                                                                                                                                        |  |                                         |  |    |  |          |  |             |  |             | 
|[Note: If the Employer elects 31(b)(4) or (b)(6),
 the Employer must choose (c). If the Employer elects 31(b)(7), choose (c) if
 applicable.]

32. ALLOCATION
CONDITIONS  APPLICATION/WAIVER/SUSPENSION (3.06(D)/(F)). Under Section 3.06(D), in the event of
Severance from Employment as described below, apply or do not apply Election
31(b) allocation conditions to the specified contributions/forfeitures as
follows(If the Employer elects 31(b), the
Employer must complete Election 32. Choose one of (a) or (b). Complete (c)):

[Note: For this Election 32, except as the Employer
describes otherwise in Election 31(b)(7) or as provided in Sections 3.03(C)(2)
and 3.04(C)(2) regarding Operational QMACs and Operational QNECs, Matching
includes all Matching Contributions and Nonelective includes all Nonelective
Contributions to which allocation conditions may apply.]

|    |      |                                                                                                                                                                                                                                                        |                                                                                                                                      
|--- | ---- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | -------------------------------------------------------------------------------------------------------------------------------------
|(a) | [  ] | Total waiver or application. If a
 Participant incurs a Severance from Employment on account of or following
 death, Disability, attainment of Normal Retirement Age, or attainment of
 Early Retirement Age as specified (Choose
 one of (1) or (2)):
|    |      |                                                                                                                                                                                                                                                        |                                                                                                                                      
|    | (1)  | [  ]                                                                                                                                                                                                                                                   | Do not apply. Do not apply elected
 allocation conditions to Matching Contributions, to Nonelective Contributions
 or to forfeitures.
|    |      |                                                                                                                                                                                                                                                        |                                                                                                                                      
|    | (2)  | [  ]                                                                                                                                                                                                                                                   | Apply. Apply elected allocation conditions
 to Matching Contributions, to Nonelective Contributions and to forfeitures.              

© 2008
Prudential

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Nonstandardized 401(k) Plan

|    |                                                                                                      |                                                                                                                                                                                                                                                                                                                                                                                                                                                  |                                                            |                                                                                 |                                         |  |    |  |          |  |             |  |             |  | 
|--- | ---------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | ---------------------------------------------------------- | ------------------------------------------------------------------------------- | --------------------------------------- |  | -- |  | -------- |  | ----------- |  | ----------- |  | 
|    |                                                                                                      |                                                                                                                                                                                                                                                                                                                                                                                                                                                  |                                                            |                                                                                 | (1)                                     |  |    |  | (2)      |  | (3)         |  | (4)         | 
|    |                                                                                                      |                                                                                                                                                                                                                                                                                                                                                                                                                                                  |                                                            |                                                                                 | Matching,
 Nonelective
 and Forfeitures |  |    |  | Matching |  | Nonelective |  | Forfeitures | 
|    |                                                                                                      |                                                                                                                                                                                                                                                                                                                                                                                                                                                  |                                                            |                                                                                 |                                         |  |    |  |          |  |             |  |             | 
|(b) | [  ]                                                                                                 | Application/waiver as to Contribution Types events.
 If a Participant incurs a Severance from Employment, apply allocation
 conditions exceptsuch
 conditions are waived if Severance is on account of or following death,
 Disability, attainment of Normal Retirement Age, or attainment of Early
 Retirement Age as specified, and as applied to the specified Contribution
 Types/forfeitures (Choose (1), (2), (3)
 and (4) as applicable): |                                                            |                                                                                 |                                         |  |    |  |          |  |             |  |            
|    |                                                                                                      |                                                                                                                                                                                                                                                                                                                                                                                                                                                  |                                                            |                                                                                 |                                         |  |    |  |          |  |             |  |             | 
|    | (1)                                                                                                  | [  ]                                                                                                                                                                                                                                                                                                                                                                                                                                             | Death                                                      |                                                                                 | [  ]                                    |  | OR |  | [  ]     |  | [  ]        |  | [  ]        | 
|    |                                                                                                      |                                                                                                                                                                                                                                                                                                                                                                                                                                                  |                                                            |                                                                                 |                                         |  |    |  |          |  |             |  |             | 
|    | (2)                                                                                                  | [  ]                                                                                                                                                                                                                                                                                                                                                                                                                                             | Disability                                                 |                                                                                 | [  ]                                    |  | OR |  | [  ]     |  | [  ]        |  | [  ]        | 
|    |                                                                                                      |                                                                                                                                                                                                                                                                                                                                                                                                                                                  |                                                            |                                                                                 |                                         |  |    |  |          |  |             |  |             | 
|    | (3)                                                                                                  | [  ]                                                                                                                                                                                                                                                                                                                                                                                                                                             | Normal Retirement Age                                      |                                                                                 | [  ]                                    |  | OR |  | [  ]     |  | [  ]        |  | [  ]        | 
|    |                                                                                                      |                                                                                                                                                                                                                                                                                                                                                                                                                                                  |                                                            |                                                                                 |                                         |  |    |  |          |  |             |  |             | 
|    | (4)                                                                                                  | [  ]                                                                                                                                                                                                                                                                                                                                                                                                                                             | Early Retirement Age                                       |                                                                                 | [  ]                                    |  | OR |  | [  ]     |  | [  ]        |  | [  ]        | 
|    |                                                                                                      |                                                                                                                                                                                                                                                                                                                                                                                                                                                  |                                                            |                                                                                 |                                         |  |    |  |          |  |             |  |             | 
|(c) | Suspension. The suspension of allocation
 conditions of Section 3.06(F) (Choose one
 of (1) or (2)):
|    |                                                                                                      |                                                                                                                                                                                                                                                                                                                                                                                                                                                  |                                                            |                                                                                 |                                         |  |    |  |          |  |             |  |             | 
|    | (1)                                                                                                  | [  ]                                                                                                                                                                                                                                                                                                                                                                                                                                             | Applies. Applies as follows (Choose one of a., b., or c.):
|    |                                                                                                      |                                                                                                                                                                                                                                                                                                                                                                                                                                                  |                                                            |                                                                                 |                                         |  |    |  |          |  |             |  |             |  | 
|    |                                                                                                      | a.                                                                                                                                                                                                                                                                                                                                                                                                                                               | [  ]                                                       | Both. Applies both to Nonelective
 Contributions and to Matching Contributions.
|    |                                                                                                      |                                                                                                                                                                                                                                                                                                                                                                                                                                                  |                                                            |                                                                                 |                                         |  |    |  |          |  |             |  |             |  | 
|    |                                                                                                      | b.                                                                                                                                                                                                                                                                                                                                                                                                                                               | [  ]                                                       | Nonelective. Applies only to Nonelective
 Contributions.                       
|    |                                                                                                      |                                                                                                                                                                                                                                                                                                                                                                                                                                                  |                                                            |                                                                                 |                                         |  |    |  |          |  |             |  |             |  | 
|    |                                                                                                      | c.                                                                                                                                                                                                                                                                                                                                                                                                                                               | [  ]                                                       | Match. Applies only to Matching
 Contributions.                                
|    |                                                                                                      |                                                                                                                                                                                                                                                                                                                                                                                                                                                  |                                                            |                                                                                 |                                         |  |    |  |          |  |             |  |             |  | 
|    | (2)                                                                                                  | [  ]                                                                                                                                                                                                                                                                                                                                                                                                                                             | Does not apply.                                           

33. FORFEITURE
ALLOCATION METHOD(3.07). The Plan Administrator will allocate a Participant forfeiture
attributable to all Contribution Types or attributable to all Nonelective
Contributions or to all Matching Contributions as follows (Choose one or more of (a) through (g) as applicable.
Choose (e) only in conjunction with at least one other election):

|                                                                                                                    |                  |                                                                                                                                             |  |      |                          |     |                       |      |  |      | 
|------------------------------------------------------------------------------------------------------------------- | ---------------- | ------------------------------------------------------------------------------------------------------------------------------------------- |  | ---- | ------------------------ | --- | --------------------- | ---- |  | ---- | 
|[Note: Even if the Employer elects immediate
 vesting, the Employer should complete Election 33. See Section 7.07.] |                  | (1)                                                                                                                                         |  |      |                          | (2) |                       | (3)  | 
|                                                                                                                    | All
 Forfeitures |                                                                                                                                             |  |      | Nonelective
 Forfeitures |     | Matching
 Forfeitures |     
|                                                                                                                    |                  |                                                                                                                                             |  |      |                          |     |                       |      |  |      | 
|(a)                                                                                                                 | [  ]             | Additional Nonelective. Allocate as
 additional Discretionary Nonelective Contribution.                                                     |  | [  ] |                          | OR  |                       | [  ] |  | [  ] | 
|                                                                                                                    |                  |                                                                                                                                             |  |      |                          |     |                       |      |  |      | 
|(b)                                                                                                                 | [  ]             | Additional Match. Allocate as additional
 Discretionary Matching Contribution.                                                              |  | [  ] |                          | OR  |                       | [  ] |  | [  ] | 
|                                                                                                                    |                  |                                                                                                                                             |  |      |                          |     |                       |      |  |      | 
|(c)                                                                                                                 | [X]              | Reduce Nonelective. Apply to Nonelective
 Contribution.                                                                                     |  | [X]  |                          | OR  |                       | [  ] |  | [  ] | 
|                                                                                                                    |                  |                                                                                                                                             |  |      |                          |     |                       |      |  |      | 
|(d)                                                                                                                 | [X]              | Reduce Match. Apply to Matching
 Contribution.                                                                                              |  | [X]  |                          | OR  |                       | [  ] |  | [  ] | 
|                                                                                                                    |                  |                                                                                                                                             |  |      |                          |     |                       |      |  |      | 
|(e)                                                                                                                 | [X]              | Plan expenses. Pay reasonable Plan expenses
 first (See Section 7.04(C)), then allocate in the manner described above.                      |  | [X]  |                          | OR  |                       | [  ] |  | [  ] | 
|                                                                                                                    |                  |                                                                                                                                             |  |      |                          |     |                       |      |  |      | 
|(f)                                                                                                                 | [  ]             | Safe harbor/top-heavy exempt. Apply all
 forfeitures to Safe Harbor Contributions and Plan expenses in accordance with
 Section 3.07(A)(4).
|                                                                                                                    |                  |                                                                                                                                             |  |      |                          |     |                       |      |  |      | 
|(g)                                                                                                                 | [  ]             | Describe: __________________________________________________________________________________                                               
|                                                                                                                    |                  | (e.g., Forfeitures attributable to transferred balances from Plan X
 are allocated only to former Plan X participants.)                    

34. FORFEITURE
ALLOCATION TIMING (3.07(B)).
See Sections 3.07, 5.07 and 7.07 as to when a forfeiture occurs. Once a
forfeiture occurs, this Election 34 determines the timing of the forfeiture
allocation. The Plan Administrator will allocate a Participants forfeiture (Choose one or both of (a) and (b) as applicable):

|    |     |                                                                                   |  |     |  |                          |  |                       |  |      | 
|--- | --- | --------------------------------------------------------------------------------- |  | --- |  | ------------------------ |  | --------------------- |  | ---- | 
|    |     | (1)                                                                               |  |     |  | (2)                      |  | (3)                   | 
|    |     | All
 Forfeitures                                                                  |  |     |  | Nonelective
 Forfeitures |  | Matching
 Forfeitures | 
|    |     |                                                                                   |  |     |  |                          |  |                       |  |      | 
|(a) | [X] | Same Plan Year. In the same Plan Year in
 which the designated forfeiture occurs. |  | [X] |  | OR                       |  | [  ]                  |  | [  ] | 

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Nonstandardized 401(k) Plan

|    |      |                                                                                                      |  |      |  |    |  |      |  |      | 
|--- | ---- | ---------------------------------------------------------------------------------------------------- |  | ---- |  | -- |  | ---- |  | ---- | 
|(b) | [  ] | Next Plan Year. In the Plan Year following
 the Plan Year in which the designated forfeiture occurs. |  | [  ] |  | OR |  | [  ] |  | [  ] | 

[Note: The elected forfeiture allocation timing
applies irrespective of when the Employer makes its contribution(s), if any,
for a Plan Year. Even if the Employer elects immediate vesting, the Employer
should complete Election 34. See Sections 3.07 and 7.07.]

35. EMPLOYEE (AFTER-TAX) CONTRIBUTIONS (3.09). The following additional elections
apply to Employee Contributions under Election 6(f). (Complete (a) and (b)):

|    |                                                                                                                                                                                       |      |                                                                                                                                                                                                     
|--- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|(a) | Limitations. The Plan permits Employee
 Contributions subject to the following limitations, if any, in addition to
 those already imposed under the Plan (Choose
 one of (1) or (2)):
|    |                                                                                                                                                                                       |      |                                                                                                                                                                                                     
|    | (1)                                                                                                                                                                                   | [  ] | None. No additional limitations.                                                                                                                                                                    
|    |                                                                                                                                                                                       |      |                                                                                                                                                                                                     
|    | (2)                                                                                                                                                                                   | [  ] | Additional limitations. The following
 additional limitations: _____________________________________.                                                                                               
|    |                                                                                                                                                                                       |      |                                                                                                                                                                                                     
|    | [Note: Any designated limitation(s) must be the same
for all Participants and must be definitely determinable.]                                                                      
|    |                                                                                                                                                                                       |      |                                                                                                                                                                                                     
|(b) | Matching Contributions. (Choose one of (1) or (2)):                                                                                                                                  
|    |                                                                                                                                                                                       |      |                                                                                                                                                                                                     
|    | (1)                                                                                                                                                                                   | [  ] | None. The Employer will not make any
 Matching Contributions based on Employee Contributions.                                                                                                       
|    |                                                                                                                                                                                       |      |                                                                                                                                                                                                     
|    | (2)                                                                                                                                                                                   | [  ] | Applies. For each Plan Year, the Employers
 Matching Contribution made as to Employee Contributions is:
 _______________________________________________________________________________________
 .

36. DESIGNATED
IRA CONTRIBUTIONS (3.12).
Under Election 6(h), a Participant may make Designated IRA Contributions
effective for Plan Years beginning after ________________ (date specified must be no earlier than December 31,
2002). (Complete (a) and (b)):

|    |                                                                                                                                                   |      |                                                                                           
|--- | ------------------------------------------------------------------------------------------------------------------------------------------------- | ---- | ------------------------------------------------------------------------------------------
|(a) | Type of IRA contribution. A Participants
 Designated IRA Contributions will be (Choose
 one of (1), (2), or (3)):                               
|    |                                                                                                                                                   |      |                                                                                           
|    | (1)                                                                                                                                               | [  ] | Traditional.                                                                              
|    |                                                                                                                                                   |      |                                                                                           
|    | (2)                                                                                                                                               | [  ] | Roth.                                                                                     
|    |                                                                                                                                                   |      |                                                                                           
|    | (3)                                                                                                                                               | [  ] | Traditional/Roth. As the Participant elects
 at the time of contribution.                 
|    |                                                                                                                                                   |      |                                                                                           
|(b) | Type of Account. A Participants Designated
 IRA Contributions will be held in the following form of Account(s) (Choose one of (1), (2), or (3)):
|    |                                                                                                                                                   |      |                                                                                           
|    | (1)                                                                                                                                               | [  ] | IRA.                                                                                      
|    |                                                                                                                                                   |      |                                                                                           
|    | (2)                                                                                                                                               | [  ] | Individual Retirement Annuity.                                                            
|    |                                                                                                                                                   |      |                                                                                           
|    | (3)                                                                                                                                               | [  ] | IRA/Individual Retirement Annuity. As the
 Participant elects at the time of contribution.

ARTICLE IV
LIMITATIONS AND TESTING

[Note: The Employer, in the Effective as of
execution column under Election 37, must elect those testing elections which
are: (i) in effect as of date of the Employers execution of this Adoption Agreement;
and (ii) if the Adoption Agreement restates the Plan, also are retroactive to the later of the Plans original
Effective Date or EGTRRA restated Effective Date, except as indicated in
Appendix A. If the Employer wishes to change any testing election after it
executes this Adoption Agreement, the Employer must elect the changes in the
Changes post-execution column under Election 37, and the Employer must
specify the Plan Year Effective Date(s) of any changed election. The Employer
may complete the Effective Date blanks specifying the changed election applies
to a single Plan Year (e.g., 2011 only), or a range of Plan Years (e.g.,
2011-2015) or may specify the change as becoming effective in a specified
Plan Year (e.g., commencing 2010). If the Employer specifies a single Plan
Year only or specifies a range of Plan Years, the Plan becomes subject to the
election in the Effective as of execution column in the Plan Years commencing
after the specified Year(s), unless the Employer subsequently changes the
election. If the Employer specifies the change as commencing in a Plan Year,
the election applies in the specified Plan Year and in all following Plan Years
unless the Employer subsequently changes the election.]

37. ANNUAL
TESTING ELECTIONS (4.06(B)).
The Employer makes the following Plan specific annual testing elections under
Section 4.06(B). (Complete (a) and (b)):

|    |                                                                      |      |                                                                                                               |  |                                                                |  |                                                            |  | 
|--- | -------------------------------------------------------------------- | ---- | ------------------------------------------------------------------------------------------------------------- |  | -------------------------------------------------------------- |  | ---------------------------------------------------------- |  | 
|    |                                                                      |      |                                                                                                               |  | (1)                                                            |  | (2)                                                        | 
|    |                                                                      |      |                                                                                                               |  | Effective as of execution
 (and retroactively
 if restatement) |  | Changes post-execution(specify Plan YearEffective Date(s)) | 
|    |                                                                      |      |                                                                                                               |  |                                                                |  |                                                           
|(a) | Nondiscrimination testing. (Choose one or more of (1), (2), or (3)): |      |                                                                                                               |  |                                                                |  |                                                           
|    |                                                                      |      |                                                                                                               |  |                                                                |  |                                                            |  | 
|    | (1)                                                                  | [  ] | Traditional 401(k) Plan/ADP/ACP test.The
 following testing method(s) apply(Choose
 a. and b. as applicable): |  |                                                                |  |                                                            |  | 

© 2008 Prudential

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Nonstandardized 401(k) Plan

|                                                                      |  |    |      |                                                                                                                                                      |           |  |      |  |      |                                       | 
|--------------------------------------------------------------------- |  | -- | ---- | ---------------------------------------------------------------------------------------------------------------------------------------------------- | --------- |  | ---- |  | ---- | ------------------------------------- | 
|[Note: The Plan may split test for Plan Years
 commencing in 2005.]
|                                                                      |  |    |      |                                                                                                                                                      |           |  |      | 
|                                                                      |  | a. | [  ] | Current Year Testing. See Section 4.11(E).
 Current Year Testing applies to the ADP/ACP tests as elected below (Choose one or both of (i) and (ii)): |           |  |      |  |      |                                      
|                                                                      |  |    |      |                                                                                                                                                      |           |  |      |  |      |                                       | 
|                                                                      |  |    | (i)  | [  ]                                                                                                                                                 | ADP test. |  | [  ] |  | [  ] | Effective
 Date(s):
 ________________ | 
|                                                                      |  |    |      |                                                                                                                                                      |           |  |      |  |      |                                       | 
|                                                                      |  |    | (ii) | [  ]                                                                                                                                                 | ACP test. |  | [  ] |  | [  ] | Effective
 Date(s):
 ________________ | 

[Note: The Employer may leave (ii) blank if the Plan
does not permit Matching Contributions or Employee Contributions and the Plan
Administrator will not recharacterize Elective Deferrals as Employee
Contributions for testing.]

| |  |    |      |                                                                                                                                                                                                                                     |           |  |      |  |      |                                       | 
| |  | -- | ---- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------- |  | ---- |  | ---- | ------------------------------------- | 
| |  | b. | [  ] | Prior Year Testing. See Section 4.11(I). Prior
 Year Testing applies to the ADP/ACP tests as elected below. See Sections
 4.10(B)(4)(f)(iv) and 4.10(C)(5)(e)(iv) as to the first Plan Year. (Choose one
 or both of (i) and (ii)): |           |  |      |  |      |                                      
| |  |    |      |                                                                                                                                                                                                                                     |           |  |      |  |      |                                       | 
| |  |    | (i)  | [  ]                                                                                                                                                                                                                                | ADP test. |  | [  ] |  | [  ] | Effective
 Date(s):
 ________________ | 
| |  |    |      |                                                                                                                                                                                                                                     |           |  |      |  |      |                                       | 
| |  |    | (ii) | [  ]                                                                                                                                                                                                                                | ACP test. |  | [  ] |  | [  ] | Effective
 Date(s):
 ________________ | 

[Note: The Employer may leave (ii) blank if the Plan
does not permit Matching Contributions or Employee Contributions and the Plan
Administrator will not recharacterize Elective Deferrals as Employee
Contributions for testing.]

| |     |     |                                                                               |                                                                                                       |                       |      |      |     |                                    |                                       | 
| | --- | --- | ----------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------- | --------------------- | ---- | ---- | --- | ---------------------------------- | ------------------------------------- | 
| | (2) | [X] | Safe Harbor Plan/No testing or ACP test only.
 (Choose one of a., b., or c.): |                                                                                                       |                       |      |      |     |                                   
| |     |     |                                                                               |                                                                                                       |                       |      |      |     |                                    |                                      
| |     | a.  | [X]                                                                           | No testing.                                                                                           |                       | [  ] |      | [X] | Effective
 Date(s):January 1, 2008 |                                      
| |     |     |                                                                               | ADP test
 safe harbor applies and if applicable, ACP test safe harbor applies.                        |                       |      |     
| |     |     |                                                                               |                                                                                                       |                       |      |      |     |                                    |                                       | 
| |     | b.  | [  ]                                                                          | ACP test only.                                                                                        |                       |      |      |     |                                    |                                      
| |     |     |                                                                               | ADP test
 safe harbor applies, but Plan will perform ACP test as follows (Choose one of (i) or (ii)): |                       |      |      |     |                                    |                                      
| |     |     |                                                                               |                                                                                                       |                       |      |      |     |                                    |                                       | 
| |     |     | (i)                                                                           | [  ]                                                                                                  | Current Year Testing. |      | [  ] |     | [  ]                               | Effective
 Date(s):
 ________________ | 
| |     |     |                                                                               |                                                                                                       |                       |      |      |     |                                    |                                       | 
| |     |     | (ii)                                                                          | [  ]                                                                                                  | Prior Year Testing.   |      | [  ] |     | [  ]                               | Effective
 Date(s):
 ________________ | 

[Note: The Employer may elect Prior Year Testing under
Election 37(a)(2)b.(ii) only for Plan Years after the Final 401(k) Regulations
Effective Date.]

| |  |    |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |                                                              |                                                                                                                                                                                                                                                                                                                                                             |      |  |      |                                       |  | 
| |  | -- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------ | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---- |  | ---- | ------------------------------------- |  | 
| |  | c. | [  ]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  | Possible delayed election.(maybe notice/supplemental notice) |                                                                                                                                                                                                                                                                                                                                                             | [  ] |  | [  ] | Effective
 Date(s):
 ________________ | 
| |  |    |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |                                                              |                                                                                                                                                                                                                                                                                                                                                             |      |  |      |                                       | 
| |  |    | The Employer
 under Section 3.05(I)(1) may treat the Plan as a Traditional 401(k) Plan or
 may make a delayed election to treat the Plan as a Safe Harbor 401(k) Plan.
 If the Employer gives the maybe and supplemental notices and amends the Plan
 to provide for the Safe Harbor Nonelective Contribution, the Plan is an ADP
 test safe harbor plan for the Plan Year to which the maybe and supplemental
 notices and the amendment apply. If the Employer does not give the
 supplemental notice, the Plan is a Traditional 401(k) Plan, subject to ADP
 Current Year Testing and, if applicable, to ACP Current Year Testing. If the
 Employer gives the supplemental notice and amends the Plan to provide for the
 Safe Harbor Nonelective Contribution, and the Employer has elected Additional
 Matching Contributions under Election 30(h) (Choose
 one of (i) or (ii)):
| |  |    |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |                                                              |                                                                                                                                                                                                                                                                                                                                                             |      |  |      |                                       | 
| |  |    | (i)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   | [  ]                                                         | No testing. ADP and ACP test safe harbors
 apply. The Employers elections under 30(h) as to Additional Matching
 Contributions satisfy the ACP safe harbor requirements and the Employer
 elects to apply the Election 30(h) stated ACP test safe harbor conditions
 (see the Note following Election 30(h)) as to all Additional Matching
 Contributions.
| |  |    |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |                                                              |                                                                                                                                                                                                                                                                                                                                                            
| |  |    | (ii)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  | [  ]                                                         | ACP test only. ADP safe harbor applies, but
 the Plan will perform the ACP test as to all Additional Matching
 Contributions using Current Year Testing.                                                                                                                                                                                                   

© 2008
Prudential

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Nonstandardized 401(k) Plan

|    |                                                 |                                                                                |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |                 |      |      |      |                                       |                                       |  | 
|--- | ----------------------------------------------- | ------------------------------------------------------------------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | --------------- | ---- | ---- | ---- | ------------------------------------- | ------------------------------------- |  | 
|    |                                                 |                                                                                | [Note: Even if the Employer does not elect
 37(a)(2)c., the Employer still may make a delayed election into safe harbor
 status under Section 3.05(I)(1) using the maybe and supplemental notices and
 by amending the plan to provide for the Safe Harbor Nonelective Contribution.
 However, in this case, the Employer also must amend the Plan to make its
 testing elections under this Election 37 consistent with its delayed election
 into safe harbor status. The Employer then may elect any election under
 37(a)(2), including 37(a)(2)c. An Employers election of 37(a)(2)c. permits
 the Plan to remain in perpetual possible delayed safe harbor election status,
 while minimizing the number of Plan amendments required to do so.]
|    |                                                 |                                                                                |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |                 |      |      |      |                                       |                                       |  | 
|    | (3)                                             | [  ]                                                                           | SIMPLE 401(k) Plan/No testing.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                 | [  ] |      | [  ] | Effective
 Date(s):
 ________________ |                                      
|    |                                                 |                                                                                |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |                 |      |      |      |                                       |                                       | 
|(b) | HCE determination. (Complete both (1) and (2)): |                                                                                |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |                 |      |      |     
|    |                                                 |                                                                                |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |                 |      |      |      |                                       |                                       | 
|    | (1)                                             | Top-paid group election. (Choose one of a. or b.):                             |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |                 |      |      |      |                                      
|    |                                                 |                                                                                |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |                 |      |      |      |                                       |                                       | 
|    |                                                 | a.                                                                             | [X]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    | Does not apply. |      | [X]  |      | [  ]                                  | Effective
 Date(s):
 ________________ | 
|    |                                                 |                                                                                |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |                 |      |      |      |                                       |                                       |  | 
|    |                                                 | b.                                                                             | [  ]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   | Applies.        |      | [  ] |      | [  ]                                  | Effective Date(s):
 ________________  | 
|    |                                                 |                                                                                |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |                 |      |      |      |                                       |                                       |  | 
|    | (2)                                             | Calendar year data election (fiscal year Plan only).(Choose one of a.
 or b.): |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |                 |      |      |      |                                      
|    |                                                 |                                                                                |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |                 |      |      |      |                                       |                                       |  | 
|    |                                                 | a.                                                                             | [X]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    | Does not apply. |      | [  ] |      | [X]                                   | Effective
 Date(s):January 1, 2008    | 
|    |                                                 |                                                                                |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |                 |      |      |      |                                       |                                       |  | 
|    |                                                 | b.                                                                             | [  ]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   | Applies.        |      | [  ] |      | [  ]                                  | Effective
 Date(s):
 ________________ | 

ARTICLE V
VESTING REQUIREMENTS

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

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Nonstandardized 401(k) Plan

41.     VESTING
SCHEDULE (5.03). A Participant
has a 100% Vested interest at all times in his/her Accounts attributable to:
(i) Elective Deferrals; (ii) Employee Contributions; (iii) QNECs; (iv) QMACs;
(v) Safe Harbor Contributions; (vi) SIMPLE Contributions; (vii) Rollover
Contributions; (viii) Prevailing Wage Contributions unless the Prevailing Wage
Contract provides otherwise; (ix) DECs; and (x) Designated IRA Contributions.
The following vesting schedule applies to Regular Matching Contributions, to
Additional Matching Contributions (irrespective of ACP testing status) and to
Nonelective Contributions (other than Prevailing Wage Contributions) (Choose (a) or choose one or both of (b) and (d) as
applicable. Choose (c) if elect a non-top-heavy schedule under (b) or (d)):

|    |      |                                                              
|--- | ---- | -------------------------------------------------------------
|(a) | [  ] | Immediate vesting. 100% Vested at all times
 in all Accounts.

[Note: Unless all Contribution Types are 100%
Vested, the Employer should not elect 41(a). If the Employer elects immediate
vesting under 41(a), the Employer should not complete the balance of Election
41 or Elections 42 and 43 (except as noted therein). The Employer must elect
41(a) if the eligibility Service condition under Election 14 as to allContribution Types (except Elective Deferrals and Safe Harbor Contributions)
exceeds one Year of Service or more than 12 months. The Employer must elect
41(b)(1) as to any Contribution Type where the eligibility service condition
exceeds one Year of Service or more than 12 months. The Employer should elect
41(b) if any Contribution Type is subject to a vesting schedule.]

|    |     |                                                                                                                  
|--- | --- | -----------------------------------------------------------------------------------------------------------------
|(b) | [X] | Vesting schedules: Apply the following
 vesting schedules (Choose one or more of
 (1) through (7) as applicable):

| |     |      |                              |                      |    |             |                   |                                             | 
| | --- | ---- | ---------------------------- | -------------------- | -- | ----------- | ----------------- | ------------------------------------------- | 
| |     |      |                              | (1)                  |    | (2)         | (3)               | (4)                                        
| |     |      |                              | All
 Contributions   |    | Nonelective | Regular
 Matching | Additional
 Matching (See
 Section 3.05(F))
| |     |      |                              |                      |    |             |                   |                                            
| | (1) | [  ] | Immediate vesting            | N/A                  |    | [  ]        | [  ]              | [  ]                                       
| |     |      |                              | (See Election 41(a)) |    |             |                   |                                            
| |     |      |                              |                      |    |             |                   |                                            
| | (2) | [  ] | Top-heavy: 6-year graded     | [  ]                 | OR | [  ]        | [  ]              | [  ]                                       
| |     |      |                              |                      |    |             |                   |                                            
| | (3) | [  ] | Top-heavy: 3-year cliff      | [  ]                 | OR | [  ]        | [  ]              | [  ]                                       
| |     |      |                              |                      |    |             |                   |                                            
| | (4) | [  ] | Modified top-heavy:          | [  ]                 | OR | [  ]        | [  ]              | [  ]                                       
| |     |      | Years of
Service             | Vested %             |    |             |                   |                                             | 
| |     |      |                              |                      |    |             |                   |                                             | 
| |     |      | Less than 1                  | a. ______            |    |             |                   |                                             | 
| |     |      | 1                            | b. ______            |    |             |                   |                                             | 
| |     |      | 2                            | c. ______            |    |             |                   |                                             | 
| |     |      | 3                            | d. ______            |    |             |                   |                                             | 
| |     |      | 4                            | e. ______            |    |             |                   |                                             | 
| |     |      | 5                            | f. ______            |    |             |                   |                                             | 
| |     |      | 6 or more                    | 100%                 |    |             |                   |                                             | 
| |     |      |                              |                      |    |             |                   |                                             | 
| | (5) | [  ] | Non-top-heavy: 7-year graded | N/A                  |    | [  ]        | N/A               | N/A                                        
| |     |      |                              |                      |    |             |                   |                                            
| | (6) | [  ] | Non-top-heavy: 5-year cliff  | N/A                  |    | [  ]        | N/A               | N/A                                        
| |     |      |                              |                      |    |             |                   |                                            
| | (7) | [  ] | Modified non-top-heavy:      | N/A                  |    | [  ]        | N/A               | N/A                                        
| |     |      | Years of
Service             | Vested %             |    |             |                   |                                             | 
| |     |      |                              |                      |    |             |                   |                                             | 
| |     |      | Less than 1                  | a. ______            |    |             |                   |                                             | 
| |     |      | 1                            | b. ______            |    |             |                   |                                             | 
| |     |      | 2                            | c. ______            |    |             |                   |                                             | 
| |     |      | 3                            | d. ______            |    |             |                   |                                             | 
| |     |      | 4                            | e. ______            |    |             |                   |                                             | 
| |     |      | 5                            | f. ______            |    |             |                   |                                             | 
| |     |      | 6                            | g. ______            |    |             |                   |                                             | 
| |     |      | 7 or more                    | 100%                 |    |             |                   |                                             | 

[Note: If the Employer does not elect 41(a), the
Employer under 41(b) must elect immediate vesting or must elect a top-heavy or
modified top-heavy vesting schedule. The modified top-heavy schedule of
Election 41(b)(4) must satisfy Code §416. A top-heavy schedule must apply to
Regular Matching Contributions and to Additional Matching Contributions. See
Section 5.03(A)(1). The Employer as to Nonelective Contributions only may elect
one of Elections 41(b)(5), (6), or (7) in addition to electing a top-heavy
schedule. The Employer must complete Election 41(c) if it elects any
non-top-heavy schedule. If the Employer does not elect a non-top-heavy
schedule, the elected top-heavy schedule(s) applies to all Plan Years. If the
Employer elects 41(b)(7), the modified non-top-heavy schedule must satisfy Code
§411(a)(2).If the Employer
elects Additional Matching under Election 30(h), the Employer should elect
vesting under the Additional Matching column in this Election 41(b). That
election applies to the Additional Matching even if the Employer has given the maybe
notice but does not give the supplemental notice for any Plan Year and as to
such Plan Years, the Plan is not a safe harbor plan and the Matching
Contributions are not Additional Matching Contributions. If the Plans
Effective Date is after December 31, 2006, do not complete Elections 41(b)(5),
(b)(6), or (b)(7).]

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Nonstandardized 401(k) Plan

|    |      |                                                                                                 |                                                                                                                                                                                                  
|--- | ---- | ----------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|(c) | [  ] | Nonelective Contributions: application of top-heavy schedule
 (Choose one of (1) or (2)):      
|    |      |                                                                                                 |                                                                                                                                                                                                  
|    | (1)  | [  ]                                                                                            | Apply in all Plan Years once top-heavy.
 Apply the top-heavy vesting schedule under Election 41(b) for the first Plan
 Year in which the Plan is top-heavy and then in all subsequent Plan Years.
|    |      |                                                                                                 |                                                                                                                                                                                                  
|    | (2)  | [  ]                                                                                            | Apply only in top-heavy Plan Years. Apply
 the non-top-heavy schedule under Election 41(b) in all Plan Years in which
 the Plan is not a top-heavy plan.                                         
|    |      |                                                                                                 |                                                                                                                                                                                                  
|(d) | [  ] | Special vesting provisions: __________________________________________________________________.

[Note: The Employer under Election 41(d) may describe
special vesting provisions from the elections available under Election 41
and/or a combination thereof as to a: (i) Participant group (e.g., Full vesting
applies to Division A Employees OR to Employees hired on/before x date.
6-year graded vesting applies to Division B Employees OR to Employees hired
after x date.); and/or (ii) Contribution Type (e.g., Full vesting applies as
to Discretionary Nonelective Contributions. 6-year graded vesting applies to
Fixed Nonelective Contributions). Any special vesting provision must satisfy
Code §411(a) and must be nondiscriminatory.]

|                                                                         | 
|------------------------------------------------------------------------ | 
|42.     YEAR
 OF SERVICE - VESTING (5.05).
 (Complete both (a) and (b)):

[Note: If the Employer elects the Elapsed Time Method
for vesting the Employer should not complete this Election 42. If the Employer
elects immediate vesting, the Employer should not complete Election 42 or
Election 43 unless it elects to apply a Year of Service for vesting under any
other Adoption Agreement election.]

|                                                                                                                                                                                                        |                                                                                                                                                                                                                                                           |                                                                                                                                     |                  
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------- | -----------------
|(a)                                                                                                                                                                                                     | Year of Service. An Employee must complete
at least 1,000 Hours of Service during a Vesting Computation Period to
receive credit for a Year of Service under Article V. [Note: The number may not exceed 1,000. If left
blank, the requirement is 1,000.]
|                                                                                                                                                                                                        |                                                                                                                                                                                                                                                          
|(b)                                                                                                                                                                                                     | Vesting Computation Period. The Plan
 measures a Year of Service based on the following 12-consecutive month period
 (Choose one of (1) or (2)):                                                                                                         
|                                                                                                                                                                                                        |                                                                                                                                                                                                                                                          
|                                                                                                                                                                                                        | (1)                                                                                                                                                                                                                                                       | [X]                                                                                                                                 | Plan Year.       
|                                                                                                                                                                                                        |                                                                                                                                                                                                                                                           |                                                                                                                                     |                  
|                                                                                                                                                                                                        | (2)                                                                                                                                                                                                                                                       | [  ]                                                                                                                                | Anniversary Year.
|                                                                                                                                                                                                        |                                                                                                                                                                                                                                                          
|43.     EXCLUDED
 YEARS OF SERVICE - VESTING (5.05(C)).
 The Plan excludes the following Years of Service for purposes of vesting (Choose (a) or choose one or more of (b) through
 (e) as applicable):
|                                                                                                                                                                                                        |                                                                                                                                                                                                                                                          
|(a)                                                                                                                                                                                                     | [X]                                                                                                                                                                                                                                                       | None. None other than as specified in
 Section 5.05(C)(1).                                                                         
|                                                                                                                                                                                                        |                                                                                                                                                                                                                                                           |                                                                                                                                    
|(b)                                                                                                                                                                                                     | [  ]                                                                                                                                                                                                                                                      | Age 18. Any Year of Service before the
 Vesting Computation Period during which the Participant attained the age of
 18.           
|                                                                                                                                                                                                        |                                                                                                                                                                                                                                                           |                                                                                                                                    
|(c)                                                                                                                                                                                                     | [  ]                                                                                                                                                                                                                                                      | Prior to Plan establishment. Any Year of
 Service during the period the Employer did not maintain this Plan or a
 predecessor plan.
|                                                                                                                                                                                                        |                                                                                                                                                                                                                                                           |                                                                                                                                    
|(d)                                                                                                                                                                                                     | [  ]                                                                                                                                                                                                                                                      | Rule of Parity. Any Year of Service excluded
 under the rule of parity. See Plan Section 5.06(C).                                  
|                                                                                                                                                                                                        |                                                                                                                                                                                                                                                           |                                                                                                                                    
|(e)                                                                                                                                                                                                     | [  ]                                                                                                                                                                                                                                                      | Additional exclusions. The following Years
 of Service: ___________________________________________.                               

[Note: The Employer under Election 43(e) may describe vesting service exclusions provisions
available under Election 43 and/or a combination thereof as to a: (i)
Participant group (e.g., No exclusions apply to Division A Employees OR to
Employees hired on/before x date. The age 18 exclusion applies to Division B
Employees OR to Employees hired after x date.); or (ii) Contribution Type
(e.g., No exclusions apply as to Discretionary Nonelective Contributions. The
age 18 exclusion applies to Fixed Nonelective Contributions). Any exclusion
specified under Election 43(e) must comply with Code §411(a)(4). Any exclusion
must be nondiscriminatory.]

ARTICLE VI
DISTRIBUTION OF ACCOUNT BALANCE

44.     MANDATORY
DISTRIBUTION (6.01(A)(1)/6.08(D)).
The Plan provides or does not provide for Mandatory Distribution of a
Participants Vested Account Balance following Severance from Employment, as
follows (Choose one of (a) or (b)):

|    |      |                                                                                                                                                                                                                                                                                                 |      |                                                  
|--- | ---- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---- | -------------------------------------------------
|(a) | [  ] | No Mandatory Distribution. The Plan will not
 make a Mandatory Distribution following Severance from Employment.                                                                                                                                                                               
|    |      |                                                                                                                                                                                                                                                                                                
|(b) | [X]  | Mandatory Distribution. The Plan will make a
 Mandatory Distribution following Severance from Employment.(Complete (1) and (2). Choose (3) unless the
 Employer elects to limit Mandatory Distributions to $1,000 including Rollover
 Contributions under Elections 44(b)(1)b. and 44(b)(2)b.):
|    |      |                                                                                                                                                                                                                                                                                                
|    | (1)  | Amount limit. As to a Participant who incurs
 a Severance from Employment and who will receive distribution before
 attaining the later of age 62 or Normal Retirement Age, the Mandatory
 Distribution maximum amount is equal to (Choose
 one of a., b., or c.):                             
|    |      |                                                                                                                                                                                                                                                                                                
|    |      | a.                                                                                                                                                                                                                                                                                              | [X]  | $5,000.                                          
|    |      |                                                                                                                                                                                                                                                                                                 |      |                                                  
|    |      | b.                                                                                                                                                                                                                                                                                              | [  ] | $1,000.                                          
|    |      |                                                                                                                                                                                                                                                                                                 |      |                                                  
|    |      | c.                                                                                                                                                                                                                                                                                              | [  ] | Specify amount: $ ______ (may not exceed $5,000).

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Nonstandardized 401(k) Plan

|    |                                                                                                                                                                                                                    |                                                                                                                                                                                                                                                             |                                                                                                                                                                   
|--- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------
|(2) | Application of Rollovers to amount limit. In
 determining whether a Participants Vested Account Balance exceeds the
 Mandatory Distribution dollar limit in Election 44(b)(1), the Plan (Choose one of a. or b.):
|    |                                                                                                                                                                                                                    |                                                                                                                                                                                                                                                             |                                                                                                                                                                   
|    | a.                                                                                                                                                                                                                 | [X]                                                                                                                                                                                                                                                         | Disregards Rollover Contribution Account.                                                                                                                         
|    |                                                                                                                                                                                                                    |                                                                                                                                                                                                                                                             |                                                                                                                                                                   
|    | b.                                                                                                                                                                                                                 | [  ]                                                                                                                                                                                                                                                        | Includes Rollover Contribution Account.                                                                                                                           
|    |                                                                                                                                                                                                                    |                                                                                                                                                                                                                                                             |                                                                                                                                                                   
|(3) | [X]                                                                                                                                                                                                                | Amount of Mandatory Distribution subject to Automatic Rollover.
 A Mandatory Distribution to a Participant before attaining the later of age
 62 or Normal Retirement Age is subject to Automatic Rollover under Section
 6.08(D) (Choose one of a. or b.):
|    |                                                                                                                                                                                                                    |                                                                                                                                                                                                                                                            
|    | a.                                                                                                                                                                                                                 | [X]                                                                                                                                                                                                                                                         | Only if exceeds $1,000. Only if the amount
 of the Mandatory Distribution exceeds $1,000, which for this purpose must
 include any Rollover Contributions Account.
|    |                                                                                                                                                                                                                    |                                                                                                                                                                                                                                                             |                                                                                                                                                                   
|    | b.                                                                                                                                                                                                                 | [  ]                                                                                                                                                                                                                                                        | Specify lesser amount. Only if the amount of
 the Mandatory Distribution is at least: $ ______ (specify $1,000 or less).                                          

45.     SEVERANCE
DISTRIBUTION TIMING (6.01).
Subject to the timing limitations of Section 6.01(A)(1) in the case of a
Mandatory Distribution, or in the case of any Distribution Requiring Consent
under Section 6.01(A)(2), for which consent is received, the Plan Administrator
will instruct the Trustee to distribute a Participants Vested Account Balance
as soon as is administratively practical following the time specified below (Choose one or more of (a) through (k) as applicable):

[Note: If a Participant dies after Severance from
Employment but before receiving distribution of all of his/her Account, the
elections under this Election 45 no longer apply. See Section 6.01(B) and
Election 49.]

|    |      |                                                                                                                                                                                                                                                                                                                                                                                                                                   |                                                                                                                                                       |                                      | 
|--- | ---- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------ | 
|    |      |                                                                                                                                                                                                                                                                                                                                                                                                                                   | (1)
 Mandatory
 Distribution                                                                                                                          | (2)
 Distribution
 Requiring Consent
|    |      |                                                                                                                                                                                                                                                                                                                                                                                                                                   |                                                                                                                                                       |                                     
|    |      |                                                                                                                                                                                                                                                                                                                                                                                                                                   |                                                                                                                                                       |                                     
|(a) | [X]  | Immediate. Immediately following Severance
 from Employment.                                                                                                                                                                                                                                                                                                                                                                      | [X]                                                                                                                                                   | [X]                                 
|    |      |                                                                                                                                                                                                                                                                                                                                                                                                                                   |                                                                                                                                                       |                                     
|(b) | [  ] | Next Valuation Date. After the next
 Valuation Date following Severance from Employment.                                                                                                                                                                                                                                                                                                                                          | [  ]                                                                                                                                                  | [  ]                                
|    |      |                                                                                                                                                                                                                                                                                                                                                                                                                                   |                                                                                                                                                       |                                     
|(c) | [  ] | Plan Year. In the _____ Plan Year following
 Severance from Employment (e.g., next or
 fifth).                                                                                                                                                                                                                                                                                                                                    | [  ]                                                                                                                                                  | [  ]                                
|    |      |                                                                                                                                                                                                                                                                                                                                                                                                                                   |                                                                                                                                                       |                                     
|(d) | [  ] | Plan Year quarter. In the ______ Plan Year
 quarter following Severance from Employment (e.g.,
 next or fifth).                                                                                                                                                                                                                                                                                                                   | [  ]                                                                                                                                                  | [  ]                                
|    |      |                                                                                                                                                                                                                                                                                                                                                                                                                                   |                                                                                                                                                       |                                     
|(e) | [  ] | Contribution Type Accounts. ___________ as
 to the Participants ___________Account(s)
 and ___________as to the
 Participants ___________
 Account(s) (e.g., As soon as is practical following Severance from
 Employment as to the Participants Elective Deferral Account and as soon as
 is practical in the next Plan Year following Severance from Employment as to
 the Participants Nonelective and Matching Accounts). | [  ]                                                                                                                                                  | [  ]                                
|    |      |                                                                                                                                                                                                                                                                                                                                                                                                                                   |                                                                                                                                                       |                                     
|(f) | [  ] | Vesting controlled timing. If the
 Participants total Vested Account Balance exceeds $______, distribute __________(specify timing) and if the Participants total Vested
 Account Balance does not exceed $ _____,
 distribute __________(specify timing).                                                                                                                                                                      | [  ]                                                                                                                                                  | [  ]                                
|    |      |                                                                                                                                                                                                                                                                                                                                                                                                                                   |                                                                                                                                                       |                                     
|(g) | [  ] | Distribute at Normal Retirement Age. As to a
Mandatory Distribution, distribute not later than 60 days after the beginning
of the Plan Year following the Plan Year in which the previously severed
Participant attains the earlier of Normal Retirement Age or age 65. [Note: An election under column (2) only will have
effect if the Plans NRA is less than age 62.]                                                         | [  ]                                                                                                                                                  | [  ]                                
|    |      |                                                                                                                                                                                                                                                                                                                                                                                                                                   |                                                                                                                                                       |                                     
|(h) | [  ] | Acceleration. Notwithstanding any later
 specified distribution date in Election 45, a Participant may elect an
 earlier distribution following Severance from Employment (Choose (1) and (2) as applicable):                                                                                                                                                                                                                     | [  ]                                                                                                                                                  | [  ]                                
|    |      |                                                                                                                                                                                                                                                                                                                                                                                                                                   |                                                                                                                                                       |                                     
|    | (1)  | [  ]                                                                                                                                                                                                                                                                                                                                                                                                                              | Disability. If Severance from Employment is
 on account of Disability or if the Participant incurs a Disability following
 Severance from Employment. |                                      | 
|    |      |                                                                                                                                                                                                                                                                                                                                                                                                                                   |                                                                                                                                                       |                                      | 
|    | (2)  | [  ]                                                                                                                                                                                                                                                                                                                                                                                                                              | Hardship. If the Participant incurs a
 hardship under Section 6.07 following Severance from Employment.                                               |                                      | 

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Nonstandardized 401(k) Plan

|    |      |                                                                                                                                                                                                                                                                        |      |      | 
|--- | ---- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---- | ---- | 
|(i) | [  ] | Required distribution at Normal Retirement Age.
 A severed Participant may not elect to delay distribution beyond the later of
 age 62 or Normal Retirement Age.                                                                                                       | N/A  | [  ]
|    |      |                                                                                                                                                                                                                                                                        |      |      | 
|(j) | [  ] | No buy-back/vesting controlled timing.Distribute
 as soon as is practical following Severance from Employment if the
 Participant is fully Vested. Distribute as soon as is practical following a
 Forfeiture Break in Service if the Participant is not fully Vested. | [  ] | [  ]
|    |      |                                                                                                                                                                                                                                                                        |      |      | 
|(k) | [  ] | Describe Severance from Employment distribution timing: _______________________________________                                                                                                                                                                       

[Note: The Employer under Election 45(k) may describe Severance from Employment distribution
timing provisions from the elections available under Election 45 and/or a
combination thereof as to any: (i) Participant group (e.g., Immediate
distribution after Severance of Employment applies to Division A Employees OR
to Employees hired on/before x date. Distribution after the next Valuation
Date following Severance from Employment applies to Division B Employees OR to
Employees hired after x date.); (ii) Contribution Type (e.g., As to Division
A Employees, immediate distribution after Severance of Employment applies as to
Elective Deferral Accounts and distribution after the next Valuation Date
following Severance from Employment applies to Nonelective Contribution
Accounts); and/or (iii) merged plan account now held in the Plan (e.g., The
accounts from the X plan merged into this Plan continue to be distributable in
accordance with the X plan terms [supply terms] and not in accordance with the
terms of this Plan). An Employers election under Election 45(k) must: (i) be
objectively determinable; (ii) not be subject to Employer discretion; (iii)
comply with Code §401(a)(14) timing requirements; (iv) be nondiscriminatory and
(v) preserve Protected Benefits as required.]

46.     IN-SERVICE
DISTRIBUTIONS/EVENTS (6.01(C)).
A Participant may elect an In-Service Distribution of the designated
Contribution Type Accounts based on any of the following events in accordance
with Section 6.01(C) (Choose one of (a) or
(b)):

[Note: If the Employer elects any In-Service
Distribution option, a Participant may elect to receive as many In-Service
Distributions per Plan Year (with a minimum of one per Plan Year) as the Plan
Administrators In-Service Distribution form or policy may permit. If the form
or policy is silent, the number of In-Service Distributions is not limited.
Prevailing Wage Contributions are treated as Nonelective Contributions unless
the Prevailing Wage Contract provides otherwise. See Section 6.01(C)(4)(d) if
the Employer elects to use Prevailing Wage Contributions to offset other
contributions.]

|    |      |                                                                                                                                                                                                                                                                                                                     
|--- | ---- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|(a) | [  ] | None. The Plan does not permit any
 In-Service Distributions except as to any of the following (if applicable):
 (i) RMDs under Section 6.02; (ii) Protected Benefits; and (iii) under Section
 6.01(C)(4) as to Employee Contributions, Rollover Contributions, DECs,
 Transfers, and Designated IRA Contributions.
|    |      |                                                                                                                                                                                                                                                                                                                     
|(b) | [X]  | Permitted. In-Service Distributions are
 permitted as follows from the designated Contribution Type Accounts (Choose one or more of (1) through (9)):                                                                                                                                                               

[Note: Unless the Employer elects otherwise in
Election 46(b)(9), Elective Deferrals under Election 46(b) includes Pre-Tax and
Roth Deferrals and Matching Contributions includes Additional Matching
Contributions, irrespective of the Plans ACP testing status.]

|    |      |                                                                                       |                          |    |           |  |               |  |       |  |       |  |          |  |             
|--- | ---- | ------------------------------------------------------------------------------------- | ------------------------ | -- | --------- |  | ------------- |  | ----- |  | ----- |  | -------- |  | ------------
|    |      |                                                                                       | (1)                      |    | (2)       |  | (3)           |  | (4)   |  | (5)   |  | (6)      |  | (7)         
|    |      |                                                                                       | All                      |    | Elective  |  | Safe Harbor   |  |       |  |       |  | Matching |  | Nonelective/
|    |      |                                                                                       | Contributions            |    | Deferrals |  | Contributions |  | QNECs |  | QMACs |  | Contrib. |  | SIMPLE      
|    |      |                                                                                       |                          |    |           |  |               |  |       |  |       |  |          |  |             
|(1) | [  ] | None. Except for Election 46(a) exceptions.                                           | N/A(See Election
 46(a)) |    | [  ]      |  | [  ]          |  | [  ]  |  | [  ]  |  | [  ]     |  | [  ]        
|    |      |                                                                                       |                          |    |           |  |               |  |       |  |       |  |          |  |             
|(2) | [X]  | Age 59 1/2(must be at least 59 1/2).                                                  | [X]                      | OR | [  ]      |  | [  ]          |  | [  ]  |  | [  ]  |  | [  ]     |  | [  ]        
|    |      |                                                                                       |                          |    |           |  |               |  |       |  |       |  |          |  |             
|(3) | [  ] | Age _____ (may
 be less than 59 1/2).                                                 | N/A                      |    | N/A       |  | N/A           |  | N/A   |  | N/A   |  | [  ]     |  | [  ]        
|    |      |                                                                                       |                          |    |           |  |               |  |       |  |       |  |          |  |             
|(4) | [X]  | Hardship (safe harbor). See Section 6.07(A).                                          | N/A                      |    | [X]       |  | N/A           |  | N/A   |  | N/A   |  | [  ]     |  | [  ]        
|    |      |                                                                                       |                          |    |           |  |               |  |       |  |       |  |          |  |             
|(5) | [  ] | Hardship (non- safe harbor). See Section
 6.07(B).                                    | N/A                      |    | N/A       |  | N/A           |  | N/A   |  | N/A   |  | [  ]     |  | [  ]        
|    |      |                                                                                       |                          |    |           |  |               |  |       |  |       |  |          |  |             
|(6) | [  ] | Disability.                                                                           | [  ]                     | OR | [  ]      |  | [  ]          |  | [  ]  |  | [  ]  |  | [  ]     |  | [  ]        
|    |      |                                                                                       |                          |    |           |  |               |  |       |  |       |  |          |  |             
|(7) | [  ] | _____ year contributions.(specify minimum of two years)See
 Section 6.01(C)(4)(a)(i). | N/A                      |    | N/A       |  | N/A           |  | N/A   |  | N/A   |  | [  ]     |  | [  ]        

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Nonstandardized 401(k) Plan

| |     |      |                                                                                             |     |  |     |  |     |  |     |  |     |  |      |  |     
| | --- | ---- | ------------------------------------------------------------------------------------------- | --- |  | --- |  | --- |  | --- |  | --- |  | ---- |  | ----
| | (8) | [  ] | _____ months of participation.(specify minimum of 60 months)See
 Section 6.01(C)(4)(a)(ii). | N/A |  | N/A |  | N/A |  | N/A |  | N/A |  | [  ] |  | [  ]
| |     |      |                                                                                             |     |  |     |  |     |  |     |  |     |  |      |  |     
| | (9) | [  ] | Describe: ___________________________________________________________________________      

[Note: The Employer under Election 46(b)(9)
may describe In-Service Distribution
provisions from the elections available under Election 46 and/or a combination
thereof as to any: (i) Participant group (e.g., Division A Employee Accounts
are distributable at age 59 1/2 OR Accounts of Employees hired on/before x
date are distributable at age 59 1/2). No In-Service Distributions apply to
Division B Employees OR to Employees hired after x date.); (ii) Contribution
Type (e.g., Discretionary Nonelective Contribution Accounts are distributable
on Disability. Fixed Nonelective Contribution Accounts are distributable on
Disability or Hardship (non-safe harbor)); and/or (iii) merged plan account now
held in the Plan (e.g., The accounts from the X plan merged into this Plan
continue to be distributable in accordance with the X plan terms [supply terms]
and not in accordance with the terms of this Plan). An Employers election under
Election 46(b)(9) must: (i) be objectively determinable; (ii) not be subject to
Employer discretion; (iii) preserve Protected Benefits as required; (iv) be
nondiscriminatory; and (v) not permit an early distribution of any Restricted
401(k) Accounts or Restricted Pension Accounts. See Section 6.01(C)(4).]

In-Service Distribution of other Accounts.
See Section 6.01(C)(4) as to In-Service Distribution of Employee Contributions,
Rollover Contributions, DECs, Transfers, and Designated IRA Contributions.

47.     IN-SERVICE
DISTRIBUTIONS/ADDITIONAL CONDITIONS (6.01(C)).
The following additional conditions apply to In-Service Distributions under
Election 46(b) (Choose one of (a) or (b)):

[Note: The Employer should complete Election 47 if the
Employer elects any In-Service Distributions under Election 46(b).]

|    |      |                                                                                                                                                                              |                                                                                                                                                            |                                                                                                                                                                                                                      
|--- | ---- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|(a) | [  ] | Additional conditions. (Complete (1). Choose (2) and (3) as applicable):                                                                                                    
|    |      |                                                                                                                                                                             
|    | (1)  | Vesting. A Participant may receive an
 In-Service Distribution under Election 46(b) based on vesting in the distributing
 Account as follows (Choose one of a., b.,
 or c.):
|    |      |                                                                                                                                                                              |                                                                                                                                                            |                                                                                                                                                                                                                      
|    |      | a.                                                                                                                                                                           | [  ]                                                                                                                                                       | 100% vesting required. A Participant may not
 receive any In-Service Distribution unless the Participant is 100% Vested in
 the distributing Account.                                                                
|    |      |                                                                                                                                                                              |                                                                                                                                                            |                                                                                                                                                                                                                      
|    |      | b.                                                                                                                                                                           | [  ]                                                                                                                                                       | 100% vesting required except hardship. A
 Participant may not receive any In-Service Distribution unless the
 Participant is 100% Vested in the distributing Account, unless the
 distribution is based on hardship. 
|    |      |                                                                                                                                                                              |                                                                                                                                                            |                                                                                                                                                                                                                      
|    |      | c.                                                                                                                                                                           | [  ]                                                                                                                                                       | Not required. A Participant may receive an In-Service
 Distribution even from a partially-Vested Account, but the amount distributed
 may not exceed the Vested amount in the distributing partially-Vested
 Account.
|    |      |                                                                                                                                                                              |                                                                                                                                                           
|    | (2)  | [  ]                                                                                                                                                                         | Minimum amount. A Participant may not
 receive an In-Service Distribution in an amount which is less than: $ ______ (specify amount not exceeding $1,000).
|    |      |                                                                                                                                                                              |                                                                                                                                                           
|    | (3)  | [  ]                                                                                                                                                                         | Describe other conditions:
 _____________________________________________________________                                                                 

[Note: An Employers election under Election 47(a)(3)
must: (i) be objectively determinable; (ii) not be subject to Employer
discretion; (iii) preserve Protected Benefits as required; (iv) be
nondiscriminatory; and (v) not
permit an early distribution of any Restricted 401(k) Accounts or Restricted
Pension Accounts. See Section 6.01(C)(4).]

|    |     |                                                                                                                                                                                                                                                  
|--- | --- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|(b) | [X] | No other conditions. A Participant may elect
 to receive an In-Service Distribution upon any Election 46(b) event without
 further condition, provided that the amount distributed may not exceed the
 Vested amount in the distributing Account.

48.     POST-SEVERANCE
AND LIFETIME RMD DISTRIBUTION METHODS (6.03).
A Participant whose Vested Account Balance exceeds $5,000 (or any lesser amount
elected in Appendix B, Election 54(g)(7)): (i) who has incurred a Severance
from Employment and will receive a distribution; or (ii) who remains employed
but who must receive lifetime RMDs, may elect distribution under one of the
following method(s) of distribution described in Section 6.03 and subject to
any Section 6.03 limitations. (Choose one or
more of (a) through (f) as applicable):

[Note: If a Participant dies after Severance from
Employment but before receiving distribution of all of his/her Account, the
elections under this Election 48 no longer apply. See Section 6.01(B) and
Election 49.]

|    |      |                                                                                                                                                                                                                                                                                        
|--- | ---- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|(a) | [X]  | Lump-Sum. See Section 6.03(A)(3).                                                                                                                                                                                                                                                      
|    |      |                                                                                                                                                                                                                                                                                        
|(b) | [  ] | Installments only if Participant subject to lifetime RMDs.
 A Participant who is required to receive lifetime RMDs may receive
 installments payable in monthly, quarterly or annual installments equal to or
 exceeding the annual RMD amount. See Sections 6.02(A) and 6.03(A)(4)(a).
|    |      |                                                                                                                                                                                                                                                                                        
|(c) | [X]  | Installments. See Section 6.03(A)(4).                                                                                                                                                                                                                                                  
|    |      |                                                                                                                                                                                                                                                                                        
|(d) | [  ] | Alternative Annuity:
 ___________________________________________. See Section 6.03(A)(5).                                                                                                                                                                                             

© 2008 Prudential

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Nonstandardized 401(k) Plan

[Note: Under a Plan which is subject to the joint and
survivor annuity distribution requirements of Section 6.04 (Election 50(b)),
the Employer may elect under 48(d) to offer one or more additional annuities
(Alternative Annuity) to the Plans QJSA or QPSA. If the Employer elects under
Election 50(a) to exempt Exempt Participants from the joint and survivor
annuity requirements, the Employer should not elect to provide an Alternative
Annuity under 48(d).]

|    |     |                                               
|--- | --- | ----------------------------------------------
|(e) | [X] | Ad-Hoc distributions. See Section
 6.03(A)(6).

[Note: If an Employer elects to permit Ad-Hoc
distributions: (i) the option must be available to all Participants; and (ii)
the option is a Protected Benefit.]

|    |      |                                                                                               
|--- | ---- | ----------------------------------------------------------------------------------------------
|(f) | [  ] | Describe distribution method(s): _____________________________________________________________

[Note: The Employer under Election 48(f) may describe Severance from Employment distribution
methods from the elections available under Election 48 and/or a combination
thereof as to any: (i) Participant group (e.g., Division A Employee Accounts
are distributable in a Lump-Sum OR Accounts of Employees hired after x date
are distributable in a Lump-Sum. Division B Employee Accounts are distributable
in a Lump-Sum or in Installments OR Accounts of Employees hired on/before x
date are distributable in a Lump-Sum or in Installments.); (ii) Contribution
Type (e.g., Discretionary Nonelective Contribution Accounts are distributable
in a Lump-Sum. Fixed Nonelective Contribution Accounts are distributable in a
Lump-Sum or in Installments); and/or (iii) merged plan account now held in the
Plan (e.g., The accounts from the X plan merged into this Plan continue to be
distributable in accordance with the X plan terms [supply terms] and not in
accordance with the terms of this Plan). An Employers election under Election
48(f) must: (i) be objectively determinable; (ii) not be subject to Employer,
Plan Administrator or Trustee discretion; (iii) be nondiscriminatory; and (iv)
preserve Protected Benefits as required.]

49.     BENEFICIARY
DISTRIBUTION ELECTIONS (6.01(B)/6.02(B)/6.03).
Subject to the Participants elections under Section 6.01(B)(1) as to the
timing and method of distribution of the Participants Account to the
Participants Beneficiary (which Participant elections must be consistent with
the Plan and this Election 49), in the case of a Participants death, the
Beneficiary will receive distribution of the Participants Account (or of the
Beneficiarys share thereof) as follows (Complete
(a), (b), and (c)):

[Note: For purposes of this Election 49, unless
otherwise noted, a Beneficiary includes, but is not limited to a Designated
Beneficiary under Section 6.02(E)(1).]

|    |                                                                                                                                                                                             |      |                                                                                                                                                                                                                                       |  |                         |                       
|--- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | ----------------------- | ----------------------
|    |                                                                                                                                                                                             |      |                                                                                                                                                                                                                                       |  | (1)
 Spouse Beneficiary | (2)
 Other Beneficiary
|    |                                                                                                                                                                                             |      |                                                                                                                                                                                                                                       | 
|(a) | Timing. The Plan will distribute to the
 Beneficiary as soon as is practical at (or not later than) the following time
 or date (Choose one of (1) through (4).
 Choose (5) if applicable): |      |                                                                                                                                                                                                                                       | 
|    |                                                                                                                                                                                             |      |                                                                                                                                                                                                                                       |  |                         |                       
|    | (1)                                                                                                                                                                                         | [  ] | Immediate. Immediately following the
 Participants death.                                                                                                                                                                            |  | [  ]                    | [  ]                  
|    |                                                                                                                                                                                             |      |                                                                                                                                                                                                                                       |  |                         |                       
|    | (2)                                                                                                                                                                                         | [  ] | Next Calendar Year. In the calendar year
 which next follows the calendar year of the Participants death, but not
 later than December 31 of such following calendar year.                                                           |  | [  ]                    | [  ]                  
|    |                                                                                                                                                                                             |      |                                                                                                                                                                                                                                       |  |                         |                       
|    | (3)                                                                                                                                                                                         | [X]  | As Beneficiary elects. At such time as the
 Beneficiary may elect, provided that distribution pursuant to such election
 (or in the absence of any Beneficiary election) must commence no later than
 the Section 6.02 required date. |  | [X]                     | [X]                   
|    |                                                                                                                                                                                             |      |                                                                                                                                                                                                                                       |  |                         |                       
|    | (4)                                                                                                                                                                                         | [  ] | Describe: __________________________________________                                                                                                                                                                                  |  | [  ]                    | [  ]                  

[Note: The Employer under Election 49(a)(4) may
describe an alternative distribution timing or afford the Beneficiary an
election which is narrower than that permitted under election 49(a)(3).
However, any election under Election 49(a)(4) must require distribution to
commence no later than the Section
6.02 required date.]

|    |                                                                                                                                                                                                                                                                  |     |                                                                                                                                                                                                                                                                                                                                                                                                                                                             |  |     |    
|--- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | --- | ---
|    | (5)                                                                                                                                                                                                                                                              | [X] | Death before DCD; spousal election to delay.
 If the Participant dies before his/her Distribution Commencement Date and the
 Participants sole Designated Beneficiary is his/her spouse, the spouse may
 elect to delay distribution until the end of the calendar year in which the
 Participant would have attained age 70 1/2, if that date is later than the
 date upon which distribution would be required to commence to a non-spouse
 Beneficiary. |  | [X] | N/A
|    |                                                                                                                                                                                                                                                                  |     |                                                                                                                                                                                                                                                                                                                                                                                                                                                             |  |     |    
|(b) | Method. The Plan will distribute to the
 Beneficiary under the following distribution method(s). If more than one
 method is elected, the Beneficiary may choose the method of distribution. (Choose one or more of (1) through (4) but do not
 elect (4) only): |     |                                                                                                                                                                                                                                                                                                                                                                                                                                                             | 
|    |                                                                                                                                                                                                                                                                  |     |                                                                                                                                                                                                                                                                                                                                                                                                                                                             |  |     |    
|    | (1)                                                                                                                                                                                                                                                              | [X] | Lump-Sum. See Section 6.03(A)(3).                                                                                                                                                                                                                                                                                                                                                                                                                           |  | [X] | [X]

|                   |   
|------------------ | --
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 Prudential | 29

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Nonstandardized 401(k) Plan

| |     |     |                                                                                                                                                                                     |  |     |    
| | --- | --- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | --- | ---
| | (2) | [X] | Installments sufficient to satisfy RMD. See
 Section 6.03(A)(4)(a). An Installment in each Distribution Calendar Year must
 at least equal the RMD amount.                          |  | [X] | [X]
| |     |     |                                                                                                                                                                                     |  |     |    
| | (3) | [X] | Ad-Hoc sufficient to satisfy RMD. See
 Section 6.03(A)(6). The Beneficiary must elect an Ad-Hoc distribution for
 each Distribution Calendar Year at least equal to the RMD amount. |  | [X] | [X]

[Note: If an Employer elects to permit Ad-Hoc
distributions: (i) the option must be available to all Beneficiaries; and (ii)
the option is a Protected Benefit.]

| |     |      |                            |  |      |    
| | --- | ---- | -------------------------- |  | ---- | ---
| | (4) | [  ] | QPSA. See Section 6.04(B). |  | [  ] | N/A

[Note: If the Employer elects 50(b), the Employer
should elect 49(b)(4). If the Employer elects 50(a), the Employer should not
elect 49(b)(4). A surviving spouse may elect to waive the QPSA in favor of
another method.]

|    |                                                                                                                                                                                                                      |      |                                                                                                                                                                                                                                                                                                                                                                                                                    |  |      |     
|--- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |  | ---- | ----
|(c) | Death before the DCD. If a Participant dies
 before the Distribution Commencement Date, the distribution to the
 Beneficiary will be made in accordance with the following rule(s) (Choose one of (1), (2), or (3)): |      |                                                                                                                                                                                                                                                                                                                                                                                                                    | 
|    |                                                                                                                                                                                                                      |      |                                                                                                                                                                                                                                                                                                                                                                                                                    |  |      |     
|    | (1)                                                                                                                                                                                                                  | [X]  | Beneficiary election. See Section
 6.02(B)(1)(e). This election applies only if the Beneficiary is a Designated
 Beneficiary under Treas. Reg.
 §1.401(a)(9)-4. If not, the 5-year rule applies. In the absence of the
 Designated Beneficiarys election, the Life Expectancy rule applies. The Employer
 in Appendix B may elect to change the default (no Designated Beneficiary
 election) to the 5-year rule. |  | [X]  | [X] 
|    |                                                                                                                                                                                                                      |      |                                                                                                                                                                                                                                                                                                                                                                                                                    |  |      |     
|    | (2)                                                                                                                                                                                                                  | [  ] | Life Expectancy rule. See Section
 6.02(B)(1)(d). This election applies only if the Beneficiary is a Designated
 Beneficiary under Treas. Reg.
 §1.401(a)(9)-4. If not, the 5-year rule applies.                                                                                                                                                                                                                   |  | [  ] | [  ]
|    |                                                                                                                                                                                                                      |      |                                                                                                                                                                                                                                                                                                                                                                                                                    |  |      |     
|    | (3)                                                                                                                                                                                                                  | [  ] | 5-year rule. See Section 6.02(B)(1)(c). This
 election applies regardless of whether the Beneficiary is a Designated
 Beneficiary under Treas. Reg.
 §1.401(a)(9)-4.                                                                                                                                                                                                                                               |  | [  ] | [  ]

50. JOINT
AND SURVIVOR ANNUITY REQUIREMENTS (6.04).
The joint and survivor annuity distribution requirements of Section 6.04 (Choose one of (a) or (b)):

|    |      |                                                                                                                                                                                                                                |      |                                                             |  |  | 
|--- | ---- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | ---- | ----------------------------------------------------------- |  |  | 
|(a) | [X]  | Profit sharing exception. Do not apply to an
 Exempt Participant, as described in Section 6.04(G)(1), but apply to any
 other Participants (or to a portion of their Account as described in Section
 6.04(G)) (Complete (1)):
|    |      |                                                                                                                                                                                                                                |      |                                                             |  | 
|    | (1)  | One-year marriage rule. Under Section
 7.05(A)(3) relating to an Exempt Participants Beneficiary designation under
 the profit sharing exception (Choose one
 of a. or b.):                                                  
|    |      |                                                                                                                                                                                                                                |      |                                                             |  | 
|    |      | a.                                                                                                                                                                                                                             | [  ] | Applies. The one-year marriage rule applies.                |  |  | 
|    |      |                                                                                                                                                                                                                                |      |                                                             |  |  | 
|    |      | b.                                                                                                                                                                                                                             | [X]  | Does not apply. The one-year marriage rule
 does not apply. |  |  | 
|    |      |                                                                                                                                                                                                                                |      |                                                             |  | 
|(b) | [  ] | Joint and survivor annuity applicable.
 Section 6.04 applies to all Participants (Complete
 (1)):                                                                                                                             
|    |      |                                                                                                                                                                                                                                |      |                                                             |  | 
|    | (1)  | One-year marriage rule. Under Section
 6.04(B) relating to the QPSA (Choose one
 of a. or b.):                                                                                                                                
|    |      |                                                                                                                                                                                                                                |      |                                                             |  |  | 
|    |      | a.                                                                                                                                                                                                                             | [  ] | Applies. The one-year marriage rule applies.                |  |  | 
|    |      |                                                                                                                                                                                                                                |      |                                                             |  |  | 
|    |      | b.                                                                                                                                                                                                                             | [  ] | Does not apply. The one-year marriage rule
 does not apply. |  |  | 

|                   |   
|------------------ | --
|© 2008
 Prudential | 30

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Nonstandardized 401(k) Plan

ARTICLE VII
ADMINISTRATIVE PROVISIONS

51.     ALLOCATION
OF EARNINGS (7.04(B)). For
each Contribution Type provided under the Plan, the Plan allocates Earnings
using the following method (Choose one or
more of (a) through (f) as applicable):

[Note: Elective Deferrals/Employee Contributions also
includes Rollover Contributions, Transfers, DECs and Designated IRA
Contributions, Matching Contributions includes all Matching Contributions and
Nonelective Contributions includes all Nonelective Contributions unless
described otherwise in Election 51(f).]

|    |      |                                                                                                                                                                                                                                                                                                      |  |                    |    |                                              |                         |                         
|--- | ---- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | ------------------ | -- | -------------------------------------------- | ----------------------- | ------------------------
|    |      |                                                                                                                                                                                                                                                                                                      |  | (1)                |    | (2)                                          | (3)                     | (4)                     
|    |      |                                                                                                                                                                                                                                                                                                      |  | All
 Contributions |    | Elective Deferrals/
 Employee
 Contributions | Matching
 Contributions | NonelectiveContributions
|    |      |                                                                                                                                                                                                                                                                                                      |  |                    |    |                                              |                         |                         
|(a) | [X]  | Daily. See Section 7.04(B)(4)(a).                                                                                                                                                                                                                                                                    |  | [X]                | OR | [  ]                                         | [  ]                    | [  ]                    
|    |      |                                                                                                                                                                                                                                                                                                      |  |                    |    |                                              |                         |                         
|(b) | [  ] | Balance forward.
 See Section 7.04(B)(4)(b).                                                                                                                                                                                                                                                         |  | [  ]               | OR | [  ]                                         | [  ]                    | [  ]                    
|    |      |                                                                                                                                                                                                                                                                                                      |  |                    |    |                                              |                         |                         
|(c) | [  ] | Balance forward with adjustment.
 See Section 7.04(B)(4)(c). Allocate pursuant to the balance forward method,
 except treat as part of the relevant Account at the beginning of the
 Valuation Period _____% of the contributions made during the following
 Valuation Period: ____________________. |  | [  ]               | OR | [  ]                                         | [  ]                    | [  ]                    
|    |      |                                                                                                                                                                                                                                                                                                      |  |                    |    |                                              |                         |                         
|(d) | [  ] | Weighted average. See Section 7.04(B)(4)(d).
 If not a monthly weighting period, the weighting period is: __________.                                                                                                                                                                                |  | [  ]               | OR | [  ]                                         | [  ]                    | [  ]                    
|    |      |                                                                                                                                                                                                                                                                                                      |  |                    |    |                                              |                         |                         
|(e) | [  ] | Participant-Directed Account. See Section
 7.04(B)(4)(e).                                                                                                                                                                                                                                            |  | [  ]               | OR | [  ]                                         | [  ]                    | [  ]                    
|    |      |                                                                                                                                                                                                                                                                                                      |  |                    |    |                                              |                         |                         
|(f) | [  ] | Describe Earnings allocation method: _______________________________________________________                                                                                                                                                                                                        

[Note: The Employer under Election 51(f) may describe Earnings allocation methods from the
elections available under Election 51 and/or a combination thereof as to any:
(i) Participant group (e.g., Daily applies to Division A Employees OR to
Employees hired after x date. Balance forward applies to Division B Employees
OR to Employees hired on/before x date.); (ii) Contribution Type (e.g., Daily
applies as to Discretionary Nonelective Contribution Accounts.
Participant-Directed Account applies to Fixed Nonelective Contribution
Accounts); (iii) investment type, investment vendor or Account type (e.g.,
Balance forward applies to investments placed with vendor A and
Participant-Directed Account applies to investments placed with vendor B OR
Daily applies to Participant-Directed Accounts and balance forward applies to
pooled Accounts); and/or (iv) merged plan account now held in the Plan (e.g.,
The accounts from the X plan merged into this Plan continue to be subject to
Earnings allocation in accordance with the X plan terms [supply terms] and not
in accordance with the terms of this Plan). An Employers election under
Election 51(f) must: (i) be objectively determinable; (ii) not be subject to
Employer discretion; and (iii) be nondiscriminatory.]

ARTICLE VIII
TRUSTEE AND CUSTODIAN, POWERS AND DUTIES

52.     VALUATION
OF TRUST(8.02(C)(4)). In
addition to the last day of the Plan Year, the Trustee (or Named Fiduciary as
applicable) must value the Trust Fund on the following Valuation Date(s) (Choose one or more of (a) through (d) as applicable):
[Note: Elective Deferrals/Employee
Contributions also include Rollover Contributions, Transfers, DECs and
Designated IRA Contributions, Matching Contributions includes all Matching
Contributions and Nonelective Contributions includes all Nonelective
Contributions unless described otherwise in Election 52(d).]

© 2008 Prudential

31

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Nonstandardized 401(k) Plan

|    |      |                                                                                                                                                                              |  |                    |    |                                              |                         |                         
|--- | ---- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | ------------------ | -- | -------------------------------------------- | ----------------------- | ------------------------
|    |      |                                                                                                                                                                              |  | (1)                |    | (2)                                          | (3)                     | (4)                     
|    |      |                                                                                                                                                                              |  | All
 Contributions |    | Elective Deferrals/
 Employee
 Contributions | Matching
 Contributions | NonelectiveContributions
|    |      |                                                                                                                                                                              |  |                    |    |                                              |                         |                         
|(a) | [  ] | No additional Valuation Dates.                                                                                                                                               |  | [  ]               | OR | [  ]                                         | [  ]                    | [  ]                    
|    |      |                                                                                                                                                                              |  |                    |    |                                              |                         |                         
|(b) | [X]  | Daily Valuation Dates. Each business day of
 the Plan Year on which Plan assets for which there is an established market
 are valued and the Trustee is conducting business. |  | [X]                | OR | [  ]                                         | [  ]                    | [  ]                    
|    |      |                                                                                                                                                                              |  |                    |    |                                              |                         |                         
|(c) | [  ] | Last day of a specified period. The last day
 of each _______ of the Plan Year.                                                                                              |  | [  ]               | OR | [  ]                                         | [  ]                    | [  ]                    
|    |      |                                                                                                                                                                              |  |                    |    |                                              |                         |                         
|(d) | [  ] | Specified Valuation
 Dates: __________________________________________________________________.                                                                             

[Note: The Employer under Election 52(d) may describe Valuation Dates from the elections
available under Election 52 and/or a combination thereof as to any: (i)
Participant group (e.g., No additional Valuation Dates apply to Division A
Employees OR to Employees hired after x date. Daily Valuation Dates apply to
Division B Employees OR to Employees hired on/before x date.); (ii)
Contribution Type (e.g., No additional Valuation Dates apply as to
Discretionary Nonelective Contribution Accounts. The last day of each Plan Year
quarter applies to Fixed Nonelective Contribution Accounts); (iii) investment
type, investment vendor or Account type (e.g., No additional Valuation Dates
apply to investments placed with vendor A and Daily Valuation Dates apply to
investments placed with vendor B OR Daily Valuation Dates apply to Participant-Directed
Accounts and no additional Valuation Dates apply to pooled Accounts); and/or
(iv) merged plan account now held in the Plan (e.g., The accounts from the X
plan merged into this Plan continue to be subject to Trust valuation in
accordance with the X plan terms [supply terms] and not in accordance with the
terms of this Plan). An Employers election under Election 52(d) must: (i) be
objectively determinable; (ii) not be subject to Employer discretion; and (iii)
be nondiscriminatory.]

© 2008 Prudential

32

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Nonstandardized 401(k) Plan

EXECUTION PAGE

The Employer, by executing this Adoption
Agreement, hereby agrees to the provisions of this Plan and Trust.

| |                                                          
| | ---------------------------------------------------------
| | Employer: State Bank of
 Long Island                     
| |                                                          
| | Date: ___________________________________________________
| |                                                          
| | Signed: _________________________________________________
| |                                                          
| | ________________________________________________________ 
| | [print name/title]                                       

The Trustee, by executing
this Adoption Agreement, hereby accepts its position and agrees to all of the
obligations, responsibilities and duties imposed upon the Trustee under the
Prototype Plan and Trust. If the Employer under Election 5(c), 5(d), or 5(e)
will use a separate Trust, the Trustee need not execute this Adoption
Agreement.

| |                                                                   
| | ------------------------------------------------------------------
| | Nondiscretionary
 Trustee(s): Prudential Bank & Trust Company, FSB
| |                                                                   
| | Date:
 ___________________________________________________        
| |                                                                   
| | Signed:
 _________________________________________________        
| |                                                                   
| | ________________________________________________________          
| | [print name/title]                                                
| |                                                                   
| | Nondiscretionary Trustee(s):
 _________________________________   
| |                                                                   
| | Date:
 ____________________________________________________       
| |                                                                   
| | Signed:
 __________________________________________________       
| |                                                                   
| | _________________________________________________________         
| | [print name/title]                                                

| |                                                                            
| | ---------------------------------------------------------------------------
| | Prototype Plan Sponsor: The
 Prudential Insurance Company of America (PICA)
| |                                                                            
| | Date:
 ____________________________________________________                
| |                                                                            
| | Signed: __________________________________________________                 
| |                                                                            
| | _________________________________________________________                  
| | [print name/title]                                                         
| |                                                                            

Use of Adoption Agreement. Failure to complete properly the elections in
this Adoption Agreement may result in disqualification of the Employer's Plan.
The Employer only may use this Adoption Agreement only in conjunction with the
basic plan document referenced by its document number on Adoption Agreement
page one.

Execution for Page Substitution Amendment Only. If this paragraph is completed, this
Execution Page documents an amendment to Adoption Agreement Election(s) ____
effective ____________ , by substitute Adoption Agreement page number(s) . The
Employer should retain all Adoption Agreement Execution Pages and amended
pages. [Note: The Effective Date may be
retroactive or may be prospective as permitted under Applicable Law.]

Prototype Plan Sponsor. The Prototype Plan Sponsor identified on the
first page of the basic plan document will notify all adopting Employers of any
amendment to this Prototype Plan or of any abandonment or discontinuance by the
Prototype Plan Sponsor of its maintenance of this Prototype Plan. For inquiries
regarding the adoption of the Prototype Plan, the Prototype Plan Sponsor's
intended meaning of any Plan provisions or the effect of the Opinion Letter
issued to the Prototype Plan Sponsor, please contact the Prototype Plan Sponsor
at the following address and telephone number: 751 Broad Street, Newark, NJ
07102-3777 1-800-848-4015.

Reliance on Sponsor Opinion Letter. The Prototype Plan Sponsor has obtained from
the IRS an Opinion Letter specifying the form of this Adoption Agreement and
the basic plan document satisfy, as of the date of the Opinion Letter, Code
§401. An adopting Employer may rely on the Prototype Sponsor's IRS Opinion
Letter only to the extent
provided in Rev. Proc. 2005-16. The Employer may not rely on the Opinion Letter
in certain other circumstances or with respect to certain qualification
requirements, which are specified in the Opinion Letter and in Rev. Proc.
2005-16, Sections 19.02 and 19.03. In order to have reliance in such
circumstances or with respect to such qualification requirements, the Employer
must apply for a determination letter to Employee Plans Determinations of the
IRS.

© 2008 Prudential

33

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Nonstandardized 401(k) Plan

APPENDIX A
EGTRRA RESTATED PLANS - SPECIAL EFFECTIVE DATES [Coveringperiod from
restated Effective Date in Election 4(b) until Employer executes EGTRRA
restatement]

53.  SPECIAL
EFFECTIVE DATES(1.19). The
Employer elects or does not elect Appendix A special Effective Date(s) as
follows.(Choose (a) or one or more of (b) through (r) as applicable):

[Note: If the Employer elects 53(a), do not complete the balance of this
Election 53.]

|    |      |                                                                                      
|--- | ---- | -------------------------------------------------------------------------------------
|(a) | [  ] | Not
 applicable. The
 Employer does not elect any Appendix A special Effective Dates.

[Note: The Employer should use this Appendix A where it is restating its
Plan for EGTRRA with a retroactive Effective Date, but where one or more
Adoption Agreement elections under the restated Plan became effective after the
Plan's general restatement Effective Date under Election 4(b). For periods
prior to the below-specified special Effective Date(s), the Plan terms in
effect prior to its restatement under this Adoption Agreement control for
purposes of the designated provisions. Any special Effective Date the Employer
elects must comply with Applicable Law.]

|    |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|--- | ---- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|(b) | [  ] | Contribution
 Types (1.12). The
 Contribution Types under Election(s) 6 ____ are effective: _________.[Note: The Plan may not permit Roth Deferrals before
 January 1, 2006.]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        
|    |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|(c) | [  ] | Excluded
 Employees (1.21(D)).
 The Excluded Employee provisions under Election(s) 8 ____ are effective:
 __________.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                
|    |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|(d) | [  ] | Compensation
 (1.11). The
 Compensation definition under Election(s) _____ (specify 9-11 as applicable) are effective: _________.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    
|    |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|(e) | [  ] | Eligibility
 (2.01-2.03). The
 eligibility provisions under Election(s)_____ (specify 14-19 as applicable) are effective: __________.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                
|    |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|(f) | [  ] | Elective
 Deferrals (3.02(A)-(C)). The Elective Deferral provisions under Election(s) ____ (specify 20-22 as applicable) are
 effective: ____________.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               
|    |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|(g) | [  ] | Catch-Up
 Deferrals (3.02(D)).
 The Catch-Up Deferral provisions under Election 23 _____ are effective: ___________.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 
|    |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|(h) | [  ] | Matching
 Contributions (3.03).
 The Matching Contribution provisions under Election(s) _____ (specify 24-26 as applicable)are
 effective: _____________.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            
|    |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|(i) | [  ] | Nonelective
 Contributions (3.04).
 The Nonelective Contribution provisions under Election(s) ____ (specify 27-29 as applicable)are
 effective: ______________.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|    |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|(j) | [  ] | 401(k)
 safe harbor (3.05).
 The 401(k) safe harbor provisions under Election(s) 30 _____ are
 effective: ____________.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              
|    |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|(k) | [  ] | Allocation
 conditions (3.06).
 The allocation conditions under Election(s) _____ (specify 31-32 as applicable)are effective: __________.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            
|    |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|(l) | [X]  | Forfeitures
 (3.07). The
 forfeiture allocation provisions under Election(s) 33(c), (d), and (e)
 (specify 33-34 as applicable)
 are effective: September 1, 2009 .                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  
|    |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|(m) | [  ] | Employee
 Contributions (3.09).
 The Employee Contribution provisions under Election(s) 35 _____ are
 effective: ___________.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        
|    |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|(n) | [X]  | Testing
 elections (4.06(B)).
 The testing elections under Election(s) 37 (a) under the Effective as of
 execution (and retroactively if restatement) column are effective: January
 1, 2008 .                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     
|    |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|(o) | [  ] | Vesting
 (5.03). The vesting
 provisions under Election(s) ______(specify
 38-43 as applicable) are effective: __________.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           
|    |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|(p) | [  ] | Distributions
 (6.01 and 6.03). The
 distribution elections under Election(s) ______ (specify 44-50 as applicable)are effective: _____________.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|    |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|(q) | [  ] | Earnings/Trust
 valuation (7.04(B)/8.02(C)(4)). The Earnings allocation and Trust valuation provisions under
 Election(s) ______ (specify 51-52 as
 applicable) are effective:
 _______________.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     
|    |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|(r) | [  ] | Special
 Effective Date(s) for other elections (specify
 elections and dates): If this Plan is retroactively effective
 on the Effective Date, the provisions of this Plan generally control,
 however, if the provisions of this Plan are different from the provisions of
 the Employer's prior plan, and after the retroactive Effective Date of this
 Plan, the Employer operated in compliance with the provisions of the prior
 plan, the provisions of such prior plan are incorporated into this Plan for
 purposes of determining whether the Employer operated the Plan in compliance
 with its terms, provided operation in compliance with the terms of the prior
 plan do not violate any qualification requirements under the Code,
 regulations or other IRS guidance.
|    |      |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|    |      | Qualified Automatic
 Contribution Arrangement and Eligible Automatic Contribution Arrangement
 became effective on January 1, 2008.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  

© 2008 Prudential

1

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Nonstandardized 401(k) Plan

Section
2.3(c)  Prior to January 1, 2010, the safe harbor matching contribution will
be based on Elective Deferrals and Compensation during each payroll period.
Effective January 1, 2010, the safe harbor matching contribution will be based
on the entire Plan Year.

Section
2.3(e) of the Amendment for EACA and/or QACA Provisions  Prior to September 1,
2009, the QACA Safe Harbor Contribution was a 100% immediate vesting schedule.
Effective September 1, 2009, the vesting schedule became 100% after 1 Year of
Service.

© 2008 Prudential

2

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Nonstandardized 401(k) Plan

APPENDIX B
BASIC PLAN DOCUMENT OVERRIDE ELECTIONS

54.     BASIC
PLAN OVERRIDES. The Employer elects or does not elect to override various
basic plan provisions as follows (Choose (a)
or choose one or more of (b) through (i) as applicable):

[Note: If the Employer elects 54(a), do not complete
the balance of this Election 54.]

|    |      |                                                                                    
|--- | ---- | -----------------------------------------------------------------------------------
|(a) | [  ] | Not applicable. The Employer does not elect
 to override any basic plan provisions.

[Note: The Employer at the time of restating its Plan
with this Adoption Agreement may make an election on Appendix A (Election
53(r)) to specify a special Effective Date for any override provision the
Employer elects in this Election 54. If the Employer, after it has executed
this Adoption Agreement, later amends its Plan to change any election on this
Appendix B, the Employer should document the Effective Date of the Appendix B
amendment on the Execution Page or otherwise in the amendment.]

|    |     |                                                                                           |                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |                                                                                                                                                                                                                                                                                                                                
|--- | --- | ----------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|(b) | [X] | Definition (Article I) overrides. (Choose one or more of (1) through (9) as
 applicable):
|    |     |                                                                                          
|    | (1) | [  ]                                                                                      | W-2 Compensation exclusion of paid/reimbursed moving expenses
 (1.11(B)(1)). W-2 Compensation excludes amounts paid
 or reimbursed by the Employer for moving expenses incurred by an Employee,
 but only to the extent that, at the time of payment, it is reasonable to
 believe that the Employee may deduct these amounts under Code §217.                                                                                                                    
|    |     |                                                                                           |                                                                                                                                                                                                                                                                                                                                                                                                                                                                   
|    | (2) | [  ]                                                                                      | Alternative (general) 415 Compensation (1.11(B)(4)).
 The Employer elects to apply the alternative (general) 415 definition of
 Compensation in lieu of simplified 415 Compensation. As to amounts received
 from an unfunded nonqualified deferred compensation plan which is includible
 in gross income in the taxable year of receipt (Choose one of a. or b.):                                                                                               
|    |     |                                                                                           |                                                                                                                                                                                                                                                                                                                                                                                                                                                                   
|    |     | a.                                                                                        | [  ]                                                                                                                                                                                                                                                                                                                                                                                                                                                               | Include. Include the nonqualified deferred
 compensation.                                                                                                                                                                                                                                                                      
|    |     |                                                                                           |                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |                                                                                                                                                                                                                                                                                                                                
|    |     | b.                                                                                        | [  ]                                                                                                                                                                                                                                                                                                                                                                                                                                                               | Do not include. Do not include the
 nonqualified deferred compensation.                                                                                                                                                                                                                                                        
|    |     |                                                                                           |                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |                                                                                                                                                                                                                                                                                                                                
|    | (3) | [X]                                                                                       | Inclusion of Deemed 125 Compensation (1.11(C)).
 Compensation under Section 1.11 includes Deemed 125 Compensation.                                                                                                                                                                                                                                                                                                                                                
|    |     |                                                                                           |                                                                                                                                                                                                                                                                                                                                                                                                                                                                   
|    | (4) | [  ]                                                                                      | Inclusion of Post-Severance Compensation (1.11(I) and 4.05(C)(1)).
 The Plan includes Post-Severance Compensation within the meaning of Prop.
 Treas. Reg. §1.415(c)-2(e) as described in Sections 1.11(I) and 4.05(C)(1) as
 follows (Choose one or both of a. and b.):                                                                                                                                                                                          
|    |     |                                                                                           |                                                                                                                                                                                                                                                                                                                                                                                                                                                                   
|    |     | a.                                                                                        | [  ]                                                                                                                                                                                                                                                                                                                                                                                                                                                               | Include for 415 testing. Include for 415
 testing and for other testing which uses 415 Compensation. This provision
 applies effective as of
 _______________(specify a date
 which is no earlier than January 1, 2005).                                                                                                       
|    |     |                                                                                           |                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |                                                                                                                                                                                                                                                                                                                                
|    |     | b.                                                                                        | [  ]                                                                                                                                                                                                                                                                                                                                                                                                                                                               | Include for allocations. Include for
 allocations as follows (specify
 affected Contribution Type(s) and any
 adjustments to Post-Severance Compensation used for allocation): _____________________________.This provision applies effective as of
 ______________ (specify a date which is no
 earlier than January 1, 2002).
|    |     |                                                                                           |                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |                                                                                                                                                                                                                                                                                                                                
|    | (5) | [  ]                                                                                      | Inclusion of Deemed Disability Compensation (1.11(K)).
 Include Deemed Disability Compensation. (Choose
 one of a. or b.):                                                                                                                                                                                                                                                                                                                                        
|    |     |                                                                                           |                                                                                                                                                                                                                                                                                                                                                                                                                                                                   
|    |     | a.                                                                                        | [  ]                                                                                                                                                                                                                                                                                                                                                                                                                                                               | NHCEs only. Apply only to disabled NHCEs.                                                                                                                                                                                                                                                                                      
|    |     |                                                                                           |                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |                                                                                                                                                                                                                                                                                                                                
|    |     | b.                                                                                        | [  ]                                                                                                                                                                                                                                                                                                                                                                                                                                                               | All Participants. Apply to all disabled
 Participants. The Employer will make Employer Contributions for such disabled
 Participants for: ______________________________ (specify a fixed or determinable period).                                                                                                             
|    |     |                                                                                           |                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |                                                                                                                                                                                                                                                                                                                                
|    | (6) | [  ]                                                                                      | Early application of final 401(k) regulations (1.28).
 The Employer (consistent with the Plan Administrators operation of the Plan)
 elects to apply the final 401(k) regulations before the beginning of the 2006
 Plan Year. The Employer elects to apply the regulations effective as of:
 ____________________________ (specify Plan
 Year ending after December 29, 2004, e.g., Plan Year ending December 31, 2004
 OR Plan Year beginning January 1, 2005).
|    |     |                                                                                           |                                                                                                                                                                                                                                                                                                                                                                                                                                                                   
|    | (7) | [X]                                                                                       | Leased Employees (1.21(B)). The Employer for
 purposes of the following Contribution Types, does not exclude Leased
 Employees: All Contributions (specify
 Contribution Types).                                                                                                                                                                                                                                                                                  
|    |     |                                                                                           |                                                                                                                                                                                                                                                                                                                                                                                                                                                                   
|    | (8) | [  ]                                                                                      | Offset if contributions to leasing organization plan (1.21(B)(2)).
 The Employer will reduce allocations to this Plan for any Leased Employee to
 the extent that the leasing organization contributes to or provides benefits
 under a leasing organization plan to or for the Leased Employee and which are
 attributable to the Leased Employees services for the Employer. The amount of
 the offset is as follows: ___________________________.             

[Note: The election of an offset under this Election
54(b)(8) requires that the Employer aggregate its plan with the leasing
organizations plan for coverage and nondiscrimination testing.]

| |     |      |                                                                                                                                                                                                                                                                                                              
| | --- | ---- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | (9) | [  ] | Reclassified Employees (1.21(D)(3)). The
 Employer for purposes of the following Contribution Types, does not exclude
 Reclassified Employees (or the following categories of Reclassified
 Employees): __________________________ (specify
 Contribution Types and/or categories of Reclassified Employees).

© 2008
Prudential

1

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Nonstandardized 401(k) Plan

|    |      |                                                                                                                                                                       |                                                                                                                                                                                                                                                                                                                                                                                                                     |                                                                                                                                                                                                                             
|--- | ---- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|(c) | [  ] | Rule of parity  participation (Article II) override (2.03(D)).
 For purposes of Plan participation, the Plan applies the rule of parity
 under Code §410(a)(5)(D).
|    |      |                                                                                                                                                                       |                                                                                                                                                                                                                                                                                                                                                                                                                    
|(d) | [  ] | Contribution/allocation (Article III) overrides.
 (Choose one or more of (1) through (7) as
 applicable):                                                            
|    |      |                                                                                                                                                                      
|    | (1)  | [  ]                                                                                                                                                                  | Treatment of Automatic Deferrals as Roth Deferrals (3.02(B)(7)).
 The Employer elects to treat Automatic Deferrals as Roth Deferrals in lieu of
 treating Automatic Deferrals as Pre-Tax Deferrals.                                                                                                                                                                                                                
|    |      |                                                                                                                                                                       |                                                                                                                                                                                                                                                                                                                                                                                                                    
|    | (2)  | [  ]                                                                                                                                                                  | Application of Safe Harbor Contributions to other allocations
 (3.05(E)(11)). Any Safe Harbor Nonelective
 Contributions allocated to a Participants account will not be applied toward (offset) any
 allocation to the Participant of a non-Safe Harbor Nonelective Contribution.                                                                                                                                
|    |      |                                                                                                                                                                       |                                                                                                                                                                                                                                                                                                                                                                                                                    
|    | (3)  | [  ]                                                                                                                                                                  | Short Plan Year or allocation period (3.06(B)(1)(c)).
 The Plan Administrator (Choose one of a.
 or b.):                                                                                                                                                                                                                                                                                                           
|    |      |                                                                                                                                                                       |                                                                                                                                                                                                                                                                                                                                                                                                                    
|    |      | a.                                                                                                                                                                    | [  ]                                                                                                                                                                                                                                                                                                                                                                                                                | No pro-ration. Will not pro-rate Hours of Service in any
 short allocation period.                                                                                                                                          
|    |      |                                                                                                                                                                       |                                                                                                                                                                                                                                                                                                                                                                                                                     |                                                                                                                                                                                                                             
|    |      | b.                                                                                                                                                                    | [  ]                                                                                                                                                                                                                                                                                                                                                                                                                | Pro-ration based on months. Will pro-rate
 any Hour of Service requirement based on the number of months in the short
 allocation period.                                                                                   
|    |      |                                                                                                                                                                       |                                                                                                                                                                                                                                                                                                                                                                                                                     |                                                                                                                                                                                                                             
|    | (4)  | [  ]                                                                                                                                                                  | Limited waiver of allocation conditions for re-hired Participants
 (3.06(G)). The allocation conditions the Employer
 has elected in the Adoption Agreement do not apply to re-hired Participants
 in the Plan Year they resume participation, as described in Section 3.06(G).                                                                                                                                    
|    |      |                                                                                                                                                                       |                                                                                                                                                                                                                                                                                                                                                                                                                    
|    | (5)  | [  ]                                                                                                                                                                  | Associated Match forfeiture timing (3.07(A)(1)(c)).
 Forfeiture of associated matching contributions occurs in the Testing Year.                                                                                                                                                                                                                                                                                   
|    |      |                                                                                                                                                                       |                                                                                                                                                                                                                                                                                                                                                                                                                    
|    | (6)  | [  ]                                                                                                                                                                  | Safe Harbor top-heavy exempt fail-safe (3.07(A)(4)).
 In lieu of ordering forfeitures as (a), (b), (c), and (d) under Section
 3.07(A)(4), the Employer establishes the following forfeiture ordering rules (Specify the ordering rules, for example, (d), (a),
 (b), and (c)): _____________.                                                                                                                     
|    |      |                                                                                                                                                                       |                                                                                                                                                                                                                                                                                                                                                                                                                    
|    | (7)  | [  ]                                                                                                                                                                  | Suspension (3.06(F)(3)). The Plan
 Administrator in applying Section 3.06(F) will (Choose one or more of a., b., and c. as applicable):                                                                                                                                                                                                                                                                            
|    |      |                                                                                                                                                                       |                                                                                                                                                                                                                                                                                                                                                                                                                    
|    |      | a.                                                                                                                                                                    | [  ]                                                                                                                                                                                                                                                                                                                                                                                                                | Re-order tiers. Apply the suspension tiers
 in Section 3.06(F)(2) in the following order: _____________________ (specify order).                                                                                            
|    |      |                                                                                                                                                                       |                                                                                                                                                                                                                                                                                                                                                                                                                     |                                                                                                                                                                                                                             
|    |      | b.                                                                                                                                                                    | [  ]                                                                                                                                                                                                                                                                                                                                                                                                                | Hours of Service tie-breaker. Apply the
 greatest Hours of Service as the tie-breaker within a suspension tier in lieu
 of applying the lowest Compensation.                                                                
|    |      |                                                                                                                                                                       |                                                                                                                                                                                                                                                                                                                                                                                                                     |                                                                                                                                                                                                                             
|    |      | c.                                                                                                                                                                    | [  ]                                                                                                                                                                                                                                                                                                                                                                                                                | Additional/other tiers. Apply the following
 additional or other tiers: __________________ (specify suspension tiers and ordering).                                                                                         
|    |      |                                                                                                                                                                       |                                                                                                                                                                                                                                                                                                                                                                                                                     |                                                                                                                                                                                                                             
|(e) | [  ] | Testing (Article IV) overrides. (Choose one or both of (1) and (2) as applicable):                                                                                   
|    |      |                                                                                                                                                                      
|    | (1)  | [  ]                                                                                                                                                                  | Early application of Gap Period income to Excess Deferrals
 (4.11(C)(1)). The Plan Administrator will distribute
 Gap Period income allocated on Excess Deferrals as to Excess Deferrals
 occurring in the ________ Taxable Year and in later Taxable Years (Specify a Taxable Year before 2008).                                                                                                                  
|    |      |                                                                                                                                                                       |                                                                                                                                                                                                                                                                                                                                                                                                                    
|    | (2)  | [  ]                                                                                                                                                                  | Early application of Gap Period income to Excess
 Contributions/Aggregates (4.11(C)(2)). The Plan
 Administrator will distribute Gap Period income allocated on Excess
 Contributions and Excess Aggregate Contributions occurring in the ________ Plan Year
 and in later Plan Years (Specify a Plan
 Year before the Final 401(k) Regulations Effective Date).                                                   
|    |      |                                                                                                                                                                       |                                                                                                                                                                                                                                                                                                                                                                                                                    
|(f) | [  ] | Vesting (Article V) overrides. (Choose one or more of (1) through (6) as
 applicable):                                                                               
|    |      |                                                                                                                                                                      
|    | (1)  | [  ]                                                                                                                                                                  | Application of top-heavy vesting to Matching (5.03(A)(1)).
 The Employer makes the following elections regarding the application of
 top-heavy vesting to its Regular Matching and Additional Matching
 Contributions (Choose one or both of a.
 and b.):                                                                                                                                                          
|    |      |                                                                                                                                                                       |                                                                                                                                                                                                                                                                                                                                                                                                                    
|    |      | a.                                                                                                                                                                    | [  ]                                                                                                                                                                                                                                                                                                                                                                                                                | Post-EGTRRA Matching only. Apply top-heavy
 vesting only to such post-2001 Plan Year Matching Contributions.                                                                                                                
|    |      |                                                                                                                                                                       |                                                                                                                                                                                                                                                                                                                                                                                                                     |                                                                                                                                                                                                                             
|    |      | b.                                                                                                                                                                    | [  ]                                                                                                                                                                                                                                                                                                                                                                                                                | Waiver of Hour of Service requirement. Apply
 top-heavy vesting as under the basic plan or as modified by Election
 54(f)(1)a. to all Participants even if they did not have an Hour of Service
 in any post-2001 Plan Year.
|    |      |                                                                                                                                                                       |                                                                                                                                                                                                                                                                                                                                                                                                                     |                                                                                                                                                                                                                             
|    | (2)  | [  ]                                                                                                                                                                  | Alternative grossed-up vesting formula (5.03(C)(2)).
 The Employer elects the alternative vesting formula described in Section
 5.03(C)(2).                                                                                                                                                                                                                                                                      
|    |      |                                                                                                                                                                       |                                                                                                                                                                                                                                                                                                                                                                                                                    
|    | (3)  | [  ]                                                                                                                                                                  | a. Source of Cash-Out forfeiture restoration (5.04(B)(5)).
 To restore a Participants Account Balance as described in Section
 5.04(B)(5), the Plan Administrator, to the extent necessary, will allocate
 from the following source(s) and in the following order (Specify, in order, one or more of the following:
 Forfeitures, Earnings, and/or Employer Contribution):
 ____________________________________.

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Prudential

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|    |      |                                                                                                                                     |                                                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                           
|--- | ---- | ----------------------------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|    |      | [  ]                                                                                                                                | b. Forfeiture Restoration and Conditions for Restoration (5.04(B).
 The Plan Administrator will restore a re-employed Participants Account
 Balance under this Section 5.04(B) without requiring repayment by the
 Participant of the entire amount of the Cash-Out Distribution to the Trust.
|    |      |                                                                                                                                     |                                                                                                                                                                                                                                                                                                
|    | (4)  | [  ]                                                                                                                                | Deemed Cash-Out of 0% Vested Participant (5.04(C)).
 The deemed cash-out rule of Section 5.04(C) does not apply to the Plan.                                                                                                                                                                   
|    |      |                                                                                                                                     |                                                                                                                                                                                                                                                                                                
|    | (5)  | [  ]                                                                                                                                | Accounting for Cash-Out repayment; Contribution Type (5.04(D)(2)).
 In lieu of the accounting described in Section 5.04(D)(2), the Plan
 Administrator will account for a Participants Account Balance attributable
 to a Cash-Out repayment: (Choose one of a.
 or b.):                      
|    |      |                                                                                                                                     |                                                                                                                                                                                                                                                                                                
|    |      | a.                                                                                                                                  | [  ]                                                                                                                                                                                                                                                                                            | Nonelective rule. Under the nonelective
 rule.                                                                                                                                                                            
|    |      |                                                                                                                                     |                                                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                           
|    |      | b.                                                                                                                                  | [  ]                                                                                                                                                                                                                                                                                            | Rollover rule. Under the rollover rule.                                                                                                                                                                                   
|    |      |                                                                                                                                     |                                                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                           
|    | (6)  | [  ]                                                                                                                                | One-year hold-out rule  vesting (5.06(D)).
 The one-year hold-out Break in Service rule under Code §411(a)(6)(B) applies.                                                                                                                                                                     
|    |      |                                                                                                                                     |                                                                                                                                                                                                                                                                                                
|(g) | [  ] | Distribution (Article VI) overrides. (Choose one or more of (1) through (7) as
 applicable):                                       
|    |      |                                                                                                                                     |                                                                                                                                                                                                                                                                                                
|    | (1)  | [  ]                                                                                                                                | Election of 5-year rule (6.02(B)(1)(e)).
 Under Section 6.02(B)(1)(e) relating to death before the RBD, if a Designated
 Beneficiary does not make a timely election, the 5-year rule applies in lieu
 of the Life Expectancy rule.                                                            
|    |      |                                                                                                                                     |                                                                                                                                                                                                                                                                                                
|    | (2)  | [  ]                                                                                                                                | 2002 only special Effective Date for Section 6.02 (6.02(D)(4)).
 For the 2002 DCY only, the Plan Administrator will apply the RMD rules in
 effect under (Choose one of a. or b.):                                                                                                             
|    |      |                                                                                                                                     |                                                                                                                                                                                                                                                                                                
|    |      | a.                                                                                                                                  | [  ]                                                                                                                                                                                                                                                                                            | 1987 proposed regulations. The 1987 proposed
 Treasury regulations under Code §401(a)(9).                                                                                                                                 
|    |      |                                                                                                                                     |                                                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                           
|    |      | b.                                                                                                                                  | [  ]                                                                                                                                                                                                                                                                                            | 2001 proposed regulations. The 2001 proposed
 Treasury regulations under Code §401(a)(9).                                                                                                                                 
|    |      |                                                                                                                                     |                                                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                           
|    | (3)  | [  ]                                                                                                                                | RBD definition (6.02(E)(7)(c)). In lieu of
 the RBD definition in Section 6.02(E)(7)(a) and (b), the Plan Administrator (Choose one
 of a. or b.):                                                                                                                                             
|    |      |                                                                                                                                     |                                                                                                                                                                                                                                                                                                
|    |      | a.                                                                                                                                  | [  ]                                                                                                                                                                                                                                                                                            | SBJPA definition indefinitely. Indefinitely
 will apply the pre-SBJPA RBD definition.                                                                                                                                     
|    |      |                                                                                                                                     |                                                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                           
|    |      | b.                                                                                                                                  | [  ]                                                                                                                                                                                                                                                                                            | SBJPA definition to specified date. Will
 apply the pre-SBJPA definition until (the
 stated date may not be earlier than January 1, 1997), and
 thereafter will apply the RBD definition in Section 6.02(E)(7)(a) and (b).
|    |      |                                                                                                                                     |                                                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                           
|    | (4)  | [  ]                                                                                                                                | Modification of QJSA (6.04(A)(3)). The
 Survivor Annuity percentage will be ________ %. (Specify
 a percentage between 50% and 100%.)                                                                                                                                                          
|    |      |                                                                                                                                     |                                                                                                                                                                                                                                                                                                
|    | (5)  | [  ]                                                                                                                                | Modification of QPSA (6.04(B)(2)). The QPSA
 percentage will be ________ %. (Specify a percentage between 50% and 100%.)                                                                                                                                                                       
|    |      |                                                                                                                                     |                                                                                                                                                                                                                                                                                                
|    | (6)  | [  ]                                                                                                                                | Restriction on hardship source; grandfathering (6.07(E)).
 The hardship distribution limit includes grandfathered amounts.                                                                                                                                                                     
|    |      |                                                                                                                                     |                                                                                                                                                                                                                                                                                                
|    | (7)  | [  ]                                                                                                                                | Replacement of $5,000 amount (6.09). All
 Plan references (except in Sections 3.02(D), 3.10 and 3.12(C)(2)) to $5,000
 will be $______. (Specify an amount less than $5,000.)                                                                                                                
|    |      |                                                                                                                                     |                                                                                                                                                                                                                                                                                                
|(h) | [  ] | Administrative, Trust and insurance overrides (Articles VII, VIII and
 IX). (Choose one
 or more of (1) through (9) as applicable):
|    |      |                                                                                                                                    
|    | (1)  | [  ]                                                                                                                                | Contributions prior to accrual or precise determination
 (7.04(B)(5)(b)). The Plan Administrator will
 allocate Earnings described in Section 7.04(B)(5)(b) as follows (Choose one of a., b., or c.):                                                                                          
|    |      |                                                                                                                                     |                                                                                                                                                                                                                                                                                                
|    |      | a.                                                                                                                                  | [  ]                                                                                                                                                                                                                                                                                            | Treat as contribution. Treat the Earnings as
 an Employer Matching or Nonelective Contribution and allocate accordingly.                                                                                                  
|    |      |                                                                                                                                     |                                                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                           
|    |      | b.                                                                                                                                  | [  ]                                                                                                                                                                                                                                                                                            | Balance forward. Allocate the Earnings using
 the balance forward method described in Section 7.04(B)(4)(b).                                                                                                              
|    |      |                                                                                                                                     |                                                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                           
|    |      | c.                                                                                                                                  | [  ]                                                                                                                                                                                                                                                                                            | Weighted average. Allocate the Earnings on
 Matching Contributions using the weighted average method in a manner similar
 to the method described in Section 7.04(B)(4)(d).                                               
|    |      |                                                                                                                                     |                                                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                           
|    | (2)  | [  ]                                                                                                                                | Automatic revocation of spousal designation (7.05(A)(1)).
 The automatic revocation of a spousal Beneficiary designation in the case of
 divorce or legal separation does not apply.                                                                                                           
|    |      |                                                                                                                                     |                                                                                                                                                                                                                                                                                                
|    | (3)  | [  ]                                                                                                                                | Limitation on frequency of Beneficiary designation changes
 (7.05(A)(4)). Except in the case of a Participant
 incurring a major life event, a period of at least must elapse between
 Beneficiary designation changes. (Specify
 a period of time, e.g., 90 days OR 12 months.)               
|    |      |                                                                                                                                     |                                                                                                                                                                                                                                                                                                
|    | (4)  | [  ]                                                                                                                                | Definition of spouse (7.05(A)(5)). The
 following definition of spouse applies: __________________________. (Specify a definition consistent with Applicable Law.)                                                                                                                         

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Prudential

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| |     |      |                                                                                                                                                                                                                                                                                                                              
| | --- | ---- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | (5) | [  ] | Administration of default provision; default Beneficiaries (7.05(C)).
 The following list of default Beneficiaries will apply:
 ____________________________________________. (Specify, in order, one or more Beneficiaries who will receive the
 interest of a deceased Participant.)                                       
| |     |      |                                                                                                                                                                                                                                                                                                                              
| | (6) | [  ] | Subsequent restoration of forfeiture-sources and ordering
 (7.07(A)(3)). Restoration of forfeitures will come
 from the following sources, in the following order
 ____________________________________________. (Specify, in order, one or more of the following: Forfeitures,
 Employer Contribution, Trust Fund Earnings.)
| |     |      |                                                                                                                                                                                                                                                                                                                              
| | (7) | [  ] | State law (7.10(H)). The law of the
 following state will apply: ____________________________________________. (Specify one of the 50 states or the District of Columbia, or other
 appropriate legal jurisdiction, such as a territory of the United States or an
 Indian tribal government.)                               
| |     |      |                                                                                                                                                                                                                                                                                                                              
| | (8) | [  ] | Employer securities/real property in Profit Sharing Plans/401(k)
 Plans (8.02(A)(13)(a)). The Plan limit on investment
 in qualifying Employer securities/real property is ________ %. (Specify a percentage which is less than 100%.)                                                                                       
| |     |      |                                                                                                                                                                                                                                                                                                                              
| | (9) | [  ] | Provisions relating to insurance and insurance company (9.08).
 The following provisions apply: ________________________ (Specify such language as necessary to accommodate
 life insurance Contracts the Plan holds.)                                                                                                       

[Note: The provisions in this Election 54(h)(9) may
override provisions in Article IX of the Plan, but must be consistent with all
other provisions of the Plan and Applicable Law.]

|    |      |                                                                                                                                                                                                                                                                                                        
|--- | ---- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|(i) | [  ] | Code Sections 415/416 (Article XI) override (11.02(A)(1)).
 Because of the required aggregation of multiple plans, to satisfy Code §§415
 and/or 416, the following overriding provisions apply: ______________________________________. (Specify such language as necessary to satisfy §§415 and 416.)

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Prudential

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Nonstandardized 401(k) Plan

APPENDIX C
LIST OF GROUP TRUST FUNDS/PERMISSIBLE TRUST AMENDMENTS

55.  [  ]
INVESTMENT IN GROUP TRUST FUND (8.09).
The nondiscretionary Trustee, as directed or the discretionary Trustee acting
without direction (and in addition to the discretionary Trustees authority to
invest in its own funds under Section 8.02(A)(3)), may invest in any of the
following group trust funds: _____________________________________. (Specify the names of one or more group trust funds
in which the Plan can invest).

[Note: A discretionary or nondiscretionary Trustee
also may invest in any group trust fund authorized by an independent Named
Fiduciary.]

56.   [  ] PERMISSIBLE TRUST AMENDMENTS(8.11). The Employer makes the following amendments to the Trust as permitted under
Rev. Proc. 2005-16, Section 5.09 (Choose one
or more of (a) through (c) as applicable): [Note: Any amendment under this Election 56 must not:
(i) conflict with any Plan provision unrelated to the Trust or Trustee; or (ii)
cause the Plan to violate Code §401(a). The amendment may override, add to,
delete or otherwise modify the Trust provisions. Do not use this Election 56 to
substitute another pre-approved trust for the Trust. See Election 5(c), 5(d),
and 5(e) as to a substitute trust.]

| |  |     |      |                                                                                                                   
| |  | --- | ---- | ------------------------------------------------------------------------------------------------------------------
| |  | (a) | [  ] | Investments. The Employer amends the Trust
 provisions relating to Trust investments as follows:                  
| |  |     |      | ______________________________________________________________________________.                                   
| |  |     |      |                                                                                                                   
| |  | (b) | [  ] | Duties. The Employer amends the Trust
 provisions relating to Trustee (or Custodian) duties as follows:           
| |  |     |      | ______________________________________________________________________________.                                   
| |  |     |      |                                                                                                                   
| |  | (c) | [  ] | Other administrative provisions. The
 Employer amends the other administrative provisions of the Trust as follows:
| |  |     |      | ______________________________________________________________________________.                                   

© 2008
Prudential

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Nonstandardized 401(k) Plan

APPENDIX D
TABLE I: ACTUARIAL FACTORS
UP-1984
Without Setback

|                                                                                      |  |       |  |       |  |       |       |  |  |       | 
|------------------------------------------------------------------------------------- |  | ----- |  | ----- |  | ----- | ----- |  |  | ----- | 
|Number of years
from attained age
at the end of Plan Year until
Normal Retirement Age |  | 7.50% |  | 8.00% |  | 8.50% |      
|                                                                                      |  |       |  |       |  |       |      
|                                                                                     
|0                                                                                     |  |       |  | 8.458 |  |       | 8.196 |  |  | 7.949 | 
|1                                                                                     |  |       |  | 7.868 |  |       | 7.589 |  |  | 7.326 | 
|2                                                                                     |  |       |  | 7.319 |  |       | 7.027 |  |  | 6.752 | 
|3                                                                                     |  |       |  | 6.808 |  |       | 6.506 |  |  | 6.223 | 
|4                                                                                     |  |       |  | 6.333 |  |       | 6.024 |  |  | 5.736 | 
|5                                                                                     |  |       |  | 5.891 |  |       | 5.578 |  |  | 5.286 | 
|6                                                                                     |  |       |  | 5.480 |  |       | 5.165 |  |  | 4.872 | 
|7                                                                                     |  |       |  | 5.098 |  |       | 4.782 |  |  | 4.491 | 
|8                                                                                     |  |       |  | 4.742 |  |       | 4.428 |  |  | 4.139 | 
|9                                                                                     |  |       |  | 4.412 |  |       | 4.100 |  |  | 3.815 | 
|10                                                                                    |  |       |  | 4.104 |  |       | 3.796 |  |  | 3.516 | 
|11                                                                                    |  |       |  | 3.817 |  |       | 3.515 |  |  | 3.240 | 
|12                                                                                    |  |       |  | 3.551 |  |       | 3.255 |  |  | 2.986 | 
|13                                                                                    |  |       |  | 3.303 |  |       | 3.014 |  |  | 2.752 | 
|14                                                                                    |  |       |  | 3.073 |  |       | 2.790 |  |  | 2.537 | 
|15                                                                                    |  |       |  | 2.859 |  |       | 2.584 |  |  | 2.338 | 
|16                                                                                    |  |       |  | 2.659 |  |       | 2.392 |  |  | 2.155 | 
|17                                                                                    |  |       |  | 2.474 |  |       | 2.215 |  |  | 1.986 | 
|18                                                                                    |  |       |  | 2.301 |  |       | 2.051 |  |  | 1.831 | 
|19                                                                                    |  |       |  | 2.140 |  |       | 1.899 |  |  | 1.687 | 
|20                                                                                    |  |       |  | 1.991 |  |       | 1.758 |  |  | 1.555 | 
|21                                                                                    |  |       |  | 1.852 |  |       | 1.628 |  |  | 1.433 | 
|22                                                                                    |  |       |  | 1.723 |  |       | 1.508 |  |  | 1.321 | 
|23                                                                                    |  |       |  | 1.603 |  |       | 1.396 |  |  | 1.217 | 
|24                                                                                    |  |       |  | 1.491 |  |       | 1.293 |  |  | 1.122 | 
|25                                                                                    |  |       |  | 1.387 |  |       | 1.197 |  |  | 1.034 | 
|26                                                                                    |  |       |  | 1.290 |  |       | 1.108 |  |  | 0.953 | 
|27                                                                                    |  |       |  | 1.200 |  |       | 1.026 |  |  | 0.878 | 
|28                                                                                    |  |       |  | 1.116 |  |       | 0.950 |  |  | 0.810 | 
|29                                                                                    |  |       |  | 1.039 |  |       | 0.880 |  |  | 0.746 | 
|30                                                                                    |  |       |  | 0.966 |  |       | 0.814 |  |  | 0.688 | 
|31                                                                                    |  |       |  | 0.899 |  |       | 0.754 |  |  | 0.634 | 
|32                                                                                    |  |       |  | 0.836 |  |       | 0.698 |  |  | 0.584 | 
|33                                                                                    |  |       |  | 0.778 |  |       | 0.647 |  |  | 0.538 | 
|34                                                                                    |  |       |  | 0.723 |  |       | 0.599 |  |  | 0.496 | 
|35                                                                                    |  |       |  | 0.673 |  |       | 0.554 |  |  | 0.457 | 
|36                                                                                    |  |       |  | 0.626 |  |       | 0.513 |  |  | 0.422 | 
|37                                                                                    |  |       |  | 0.582 |  |       | 0.475 |  |  | 0.389 | 
|38                                                                                    |  |       |  | 0.542 |  |       | 0.440 |  |  | 0.358 | 
|39                                                                                    |  |       |  | 0.504 |  |       | 0.407 |  |  | 0.330 | 
|40                                                                                    |  |       |  | 0.469 |  |       | 0.377 |  |  | 0.304 | 
|41                                                                                    |  |       |  | 0.436 |  |       | 0.349 |  |  | 0.280 | 
|42                                                                                    |  |       |  | 0.406 |  |       | 0.323 |  |  | 0.258 | 
|43                                                                                    |  |       |  | 0.377 |  |       | 0.299 |  |  | 0.238 | 
|44                                                                                    |  |       |  | 0.351 |  |       | 0.277 |  |  | 0.219 | 
|45                                                                                    |  |       |  | 0.327 |  |       | 0.257 |  |  | 0.202 | 

Note:
A Participants Actuarial Factor under Table I is the factor corresponding to
the number of years until the Participant reaches his/her Normal Retirement Age
under the Plan. A Participants age as of the end of the current Plan Year is
his/her age on his/her last birthday. For any Plan Year beginning on or after
the Participants attainment of Normal Retirement Age, the factor for zero
years applies.

© 2008
Prudential

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Nonstandardized 401(k) Plan

APPENDIX D
TABLE II: ADJUSTMENT TO ACTUARIAL FACTORS FOR NORMAL RETIREMENT AGE
OTHER THAN 65
UP-1984
Without Setback

|                      |  |       |        |       |  |        |  |  |        | 
|--------------------- |  | ----- | ------ | ----- |  | ------ |  |  | ------ | 
|Normal Retirement
Age |  | 7.50% |        | 8.00% |  | 8.50%  | 
|                      |  |       |        |       |  |        | 
|                     
|55                    |  |       | 1.2242 |       |  | 1.2147 |  |  | 1.2058 | 
|56                    |  |       | 1.2043 |       |  | 1.1959 |  |  | 1.1879 | 
|57                    |  |       | 1.1838 |       |  | 1.1764 |  |  | 1.1694 | 
|58                    |  |       | 1.1627 |       |  | 1.1563 |  |  | 1.1503 | 
|59                    |  |       | 1.1411 |       |  | 1.1357 |  |  | 1.1305 | 
|60                    |  |       | 1.1188 |       |  | 1.1144 |  |  | 1.1101 | 
|61                    |  |       | 1.0960 |       |  | 1.0925 |  |  | 1.0891 | 
|62                    |  |       | 1.0726 |       |  | 1.0700 |  |  | 1.0676 | 
|63                    |  |       | 1.0488 |       |  | 1.0471 |  |  | 1.0455 | 
|64                    |  |       | 1.0246 |       |  | 1.0237 |  |  | 1.0229 | 
|65                    |  |       | 1.0000 |       |  | 1.0000 |  |  | 1.0000 | 
|66                    |  |       | 0.9752 |       |  | 0.9760 |  |  | 0.9767 | 
|67                    |  |       | 0.9502 |       |  | 0.9518 |  |  | 0.9533 | 
|68                    |  |       | 0.9251 |       |  | 0.9274 |  |  | 0.9296 | 
|69                    |  |       | 0.8998 |       |  | 0.9027 |  |  | 0.9055 | 
|70                    |  |       | 0.8740 |       |  | 0.8776 |  |  | 0.8810 | 
|71                    |  |       | 0.8478 |       |  | 0.8520 |  |  | 0.8561 | 
|72                    |  |       | 0.8214 |       |  | 0.8261 |  |  | 0.8307 | 
|73                    |  |       | 0.7946 |       |  | 0.7999 |  |  | 0.8049 | 
|74                    |  |       | 0.7678 |       |  | 0.7735 |  |  | 0.7790 | 
|75                    |  |       | 0.7409 |       |  | 0.7470 |  |  | 0.7529 | 
|76                    |  |       | 0.7140 |       |  | 0.7205 |  |  | 0.7268 | 
|77                    |  |       | 0.6874 |       |  | 0.6942 |  |  | 0.7008 | 
|78                    |  |       | 0.6611 |       |  | 0.6682 |  |  | 0.6751 | 
|79                    |  |       | 0.6349 |       |  | 0.6423 |  |  | 0.6494 | 
|80                    |  |       | 0.6090 |       |  | 0.6165 |  |  | 0.6238 | 

Note:
Use Table II only if the Normal Retirement Age for any Participant is not 65.
If a Participants Normal Retirement Age is not 65, adjust Table I by
multiplying all factors
applicable to that Participant in Table I by the appropriate Table II factor.

© 2008
Prudential

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Nonstandardized 401(k) Plan

AMENDMENT FOR THE FINAL 415 REGULATIONS

ARTICLE I
PREAMBLE

|    |                                                                                                                                                                                                                                                                                                                                                                                   
|--- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|1.1 | Effective date of Amendment. This Amendment
 is effective for limitation years and plan years beginning on or after July
 1, 2007, except as otherwise provided herein.                                                                                                                                                                                                           
|    |                                                                                                                                                                                                                                                                                                                                                                                   
|1.2 | Superseding of inconsistent provisions. This
 Amendment supersedes the provisions of the Plan to the extent those
 provisions are inconsistent with the provisions of this Amendment.                                                                                                                                                                                             
|    |                                                                                                                                                                                                                                                                                                                                                                                   
|1.3 | Employers election. The Employer adopts all
 Articles of this Amendment, except those Articles that the Employer
 specifically elects not to adopt.                                                                                                                                                                                                                              
|    |                                                                                                                                                                                                                                                                                                                                                                                   
|1.4 | Construction. Except as otherwise provided
 in this Amendment, any reference to Section in this Amendment refers only
 to sections within this Amendment, and is not a reference to the Plan. The
 Article and Section numbering in this Amendment is solely for purposes of
 this Amendment, and does not relate to any Plan article, section or other
 numbering designations.
|    |                                                                                                                                                                                                                                                                                                                                                                                   
|1.5 | Effect of restatement of Plan. If the
 Employer restates the Plan, then this Amendment shall remain in effect after
 such restatement unless the provisions in this Amendment are restated or
 otherwise become obsolete (e.g., if the Plan is restated onto a plan document
 which incorporates the final Code §415 Regulation provisions).                                      
|    |                                                                                                                                                                                                                                                                                                                                                                                   
|1.6 | Adoption by prototype sponsor. Except as
 otherwise provided herein, pursuant to the provisions of the Plan and Section
 5.01 of Revenue Procedure 2005-16, the sponsor hereby adopts this Amendment
 on behalf of all adopting employers.                                                                                                                                        

ARTICLE II
EMPLOYER ELECTIONS

The Employer
only needs to complete the questions in Section 2.2 in order to override the
default provisions set forth below. If the Plan will use all of the default provisions,
then these questions should be skipped and the Employer does not need to
execute this amendment.

|    |                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        
|--- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|2.1 | Default
 Provisions. Unless the Employer elects otherwise in Section 2.2, the
 following defaults will apply:                                                           
|    |                                                                                                                                                                         
|    | a.                                                                                                                                                                       | The
 provisions of the Plan setting forth the definition of compensation for
 purposes of Code §415 (hereinafter referred to as 415 Compensation), as
 well as compensation for purposes of determining highly compensated employees
 pursuant to Code §414(q) and for top-heavy purposes under Code §416
 (including the determination of key employees), shall be modified by (1)
 including payments for unused sick, vacation or other leave and payments from
 nonqualified unfunded deferred compensation plans (Amendment Section 3.2(b)),
 (2) excluding salary continuation payments for participants on military
 service (Amendment Section 3.2(c)), and (3) excluding salary continuation
 payments for disabled participants (Amendment Section 3.2(d)).
|    |                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        
|    | b.                                                                                                                                                                       | The first
 few weeks rule does not apply for purposes of 415 Compensation (Amendment
 Section 3.3).                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  
|    |                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        
|    | c.                                                                                                                                                                       | The
 provision of the Plan setting forth the definition of compensation for
 allocation purposes (hereinafter referred to as Plan Compensation) shall be
 modified to provide for the same adjustments to Plan Compensation (for all
 contribution types) that are made to 415 Compensation pursuant to this
 Amendment.                                                                                                                                                                                                                                                                                                                                                                                                                                             
|    |                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        
|2.2 | In lieu of
default provisions. In lieu of the default provisions above, the following
apply: (select all that apply; if no selections are made, then the defaults
apply)

| |                                            |      |                                                                        |      |                                                                                                                                            
| | ------------------------------------------ | ---- | ---------------------------------------------------------------------- | ---- | -------------------------------------------------------------------------------------------------------------------------------------------
| | 415 Compensation. (select all that apply):
| | a.                                         | [  ] | Exclude
 leave cashouts and deferred compensation (Section 3.2(b))    
| | b.                                         | [  ] | Include
 military continuation payments (Section 3.2(c))              
| | c.                                         | [  ] | Include
 disability continuation payments (Section 3.2(d)):           
| |                                            |      | 1.                                                                     | [  ] | For
 Nonhighly Compensated Employees only                                                                                                  
| |                                            |      | 2.                                                                     | [  ] | For all
 participants and the salary continuation will continue for the following
 fixed or determinable period: __________________________
| | d.                                         | [  ] | Apply the
 administrative delay (first few weeks) rule (Section 3.3)

© 2008
Prudential

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Nonstandardized 401(k) Plan

| |                                                                                                                                                                                                                                                                                                    
| | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | Plan Compensation. (select all that apply):                                                                                                                                                                                                                                                        
| |                                                                                                                                                                                                                                                                                                    
| | NOTE: Elective Deferrals includes Pre-Tax
 Deferrals, Roth Deferrals and Employee Contributions, Matching includes all
 Matching Contributions and Nonelective includes all Nonelective
 Contributions. For all Plans other than 401(k) plans, only use column 1. or
 column 4. in the table below.
| |                                                                                                                                                                                                                                                                                                    
| | NOTE: Under the GUST PPD document, the plan
 excludes all post-severance compensation unless the Employer had elected
 otherwise in its adoption agreement.                                                                                                                                        

|   |      |                                                           |                                                                                                                                |         |     |         |                     |          |            
|-- | ---- | --------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------ | ------- | --- | ------- | ------------------- | -------- | -----------
|   |      |                                                           |                                                                                                                                |         | All |         | Elective
 Deferrals | Matching | Nonelective
|   |      |                                                           |                                                                                                                                |         |     |         |                     |         
|e. | [  ] | Default
 provisions apply                                 |                                                                                                                                | 1. N/A  | OR  | 2. [  ] | 3. [  ]             | 4. [  ] 
|   |      |                                                           |                                                                                                                                |         |     |         |                     |          |            
|f. | [  ] | No change
 from existing Plan provisions                  |                                                                                                                                | 1. [  ] | OR  | 2. [  ] | 3. [  ]             | 4. [  ] 
|   |      |                                                           |                                                                                                                                |         |     |         |                     |          |            
|g. | [  ] | Exclude all
 post-severance compensation                  |                                                                                                                                | 1. [  ] | OR  | 2. [  ] | 3. [  ]             | 4. [  ] 
|   |      |                                                           |                                                                                                                                |         |     |         |                     |          |            
|h. | [  ] | Exclude
 post-severance regular pay                       |                                                                                                                                | 1. [  ] | OR  | 2. [  ] | 3. [  ]             | 4. [  ] 
|   |      |                                                           |                                                                                                                                |         |     |         |                     |          |            
|i. | [  ] | Exclude
 leave cashouts and deferred compensation         |                                                                                                                                | 1. [  ] | OR  | 2. [  ] | 3. [  ]             | 4. [  ] 
|   |      |                                                           |                                                                                                                                |         |     |         |                     |          |            
|j. | [  ] | Include
 post-severance military continuation payments    |                                                                                                                                | 1. [  ] | OR  | 2. [  ] | 3. [  ]             | 4. [  ] 
|   |      |                                                           |                                                                                                                                |         |     |         |                     |          |            
|k. | [  ] | Include
 post-severance disability continuation payments: |                                                                                                                                | 1. [  ] | OR  | 2. [  ] | 3. [  ]             | 4. [  ] 
|   | a.   | [  ]                                                      | For Nonhighly
 Compensated Employees only                                                                                      |         |     |         |                     |          |            
|   | b.   | [  ]                                                      | For all
 participants and the salary continuation will continue for the following
 fixed or determinable period: _____________ |         |     |         |                     |          |            

|   |      |                                                      
|-- | ---- | -----------------------------------------------------
|l. | [  ] | Other
 ___________________________________ (describe)

Plan Compensation Special Effective Date.
The definition of Plan Compensation is modified as set forth herein effective
as of the same date as the 415 Compensation change is effective unless
otherwise specified:m. __________________________________________ (enter the
effective date)

ARTICLE III
FINAL SECTION 415 REGULATIONS

|    |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |                                                                                            |                                                                                                                                                                                                                                                                                 
|--- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------ | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|3.1 | Effective date. The provisions of this
 Article III shall apply to limitation years beginning on and after July 1,
 2007.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               
|    |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         
|3.2 | 415 Compensation paid after severance from employment.
 415 Compensation shall be adjusted, as set forth herein and as otherwise
 elected in Article II, for the following types of compensation paid after a
 Participants severance from employment with the Employer maintaining the
 Plan (or any other entity that is treated as the Employer pursuant to Code
 §414(b), (c), (m) or (o)). However, amounts described in subsections (a) and
 (b) below may only be included in 415 Compensation to the extent such amounts
 are paid by the later of 2 1/2 months after severance from employment or by the
 end of the limitation year that includes the date of such severance from
 employment. Any other payment of compensation paid after severance of
 employment that is not described in the following types of compensation is
 not considered 415 Compensation within the meaning of Code §415(c)(3), even
 if payment is made within the time period specified above.
|    |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         
|    | (a)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      | Regular pay. 415 Compensation shall include
 regular pay after severance of employment if:
|    |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |                                                                                           
|    |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | (1)                                                                                        | The payment
 is regular compensation for services during the participants regular working
 hours, or compensation for services outside the participants regular working
 hours (such as overtime or shift differential), commissions, bonuses, or
 other similar payments; and
|    |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |                                                                                            |                                                                                                                                                                                                                                                                                 
|    |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | (2)                                                                                        | The payment
 would have been paid to the participant prior to a severance from employment
 if the participant had continued in employment with the Employer.                                                                                                                    

© 2008
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Nonstandardized 401(k) Plan

|    |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             
|--- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|    | (b)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | Leave cashouts and deferred compensation.
 Leave cashouts shall be included in 415 Compensation, unless otherwise
 elected in Section 2.2 of this Amendment, if those amounts would have been
 included in the definition of 415 Compensation if they were paid prior to the
 participants severance from employment, and the amounts are payment for
 unused accrued bona fide sick, vacation, or other leave, but only if the
 participant would have been able to use the leave if employment had
 continued. In addition, deferred compensation shall be included in 415
 Compensation, unless otherwise elected in Section 2.2 of this Amendment, if
 the compensation would have been included in the definition of 415
 Compensation if it had been paid prior to the participants severance from
 employment, and the compensation is received pursuant to a nonqualified
 unfunded deferred compensation plan, but only if the payment would have been
 paid at the same time if the participant had continued in employment with the
 Employer and only to the extent that the payment is includible in the
 participants gross income.                                                                                                                                                                                                                                                                                                                                                                                                        
|    |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             
|    | (c)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | Salary continuation payments for military service participants.
 415 Compensation does not include, unless otherwise elected in Section 2.2 of
 this Amendment, payments to an individual who does not currently perform
 services for the Employer by reason of qualified military service (as that
 term is used in Code §414(u)(1)) to the extent those payments do not exceed
 the amounts the individual would have received if the individual had
 continued to perform services for the Employer rather than entering qualified
 military service.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   
|    |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             
|    | (d)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | Salary continuation payments for disabled Participants.
 Unless otherwise elected in Section 2.2 of this Amendment, 415 Compensation
 does not include compensation paid to a participant who is permanently and
 totally disabled (as defined in Code §22(e)(3)). If elected, this provision
 shall apply to either just non-highly compensated participants or to all
 participants for the period specified in Section 2.2 of this Amendment.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            
|    |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             
|3.3 | Administrative delay (the first few weeks) rule.
 415 Compensation for a limitation year shall not include, unless otherwise
 elected in Section 2.2 of this Amendment, amounts earned but not paid during
 the limitation year solely because of the timing of pay periods and pay dates.
 However, if elected in Section 2.2 of this Amendment, 415 Compensation for a
 limitation year shall include amounts earned but not paid during the
 limitation year solely because of the timing of pay periods and pay dates,
 provided the amounts are paid during the first few weeks of the next
 limitation year, the amounts are included on a uniform and consistent basis
 with respect to all similarly situated participants, and no compensation is
 included in more than one limitation year.                                                                                                                    
|    |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             
|3.4 | Inclusion of certain nonqualified deferred compensation amounts.
 If the Plans definition of Compensation for purposes of Code §415 is the
 definition in Regulation Section 1.415(c)-2(b) (Regulation Section
 1.415-2(d)(2) under the Regulations in effect for limitation years beginning
 prior to July 1, 2007) and the simplified compensation definition of
 Regulation 1.415(c)-2(d)(2) (Regulation Section 1.415-2(d)(10) under the
 Regulations in effect for limitation years prior to July 1, 2007) is not
 used, then 415 Compensation shall include amounts that are includible in the
 gross income of a Participant under the rules of Code §409A or Code
 §457(f)(1)(A) or because the amounts are constructively received by the
 Participant. [Note if the Plans definition of Compensation is W-2 wages or
 wages for withholding purposes, then these amounts are already included in
 Compensation.]
|    |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             
|3.5 | Definition of annual additions. The Plans
 definition of annual additions is modified as follows:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        
|    |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             
|    | (a)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | Restorative payments. Annual additions for
 purposes of Code §415 shall not include restorative payments. A restorative
 payment is a payment made to restore losses to a Plan resulting from actions
 by a fiduciary for which there is reasonable risk of liability for breach of
 a fiduciary duty under ERISA or under other applicable federal or state law,
 where participants who are similarly situated are treated similarly with
 respect to the payments. Generally, payments are restorative payments only if
 the payments are made in order to restore some or all of the plans losses
 due to an action (or a failure to act) that creates a reasonable risk of
 liability for such a breach of fiduciary duty (other than a breach of
 fiduciary duty arising from failure to remit contributions to the Plan). This
 includes payments to a plan made pursuant to a Department of Labor order, the
 Department of Labors Voluntary Fiduciary Correction Program, or a
 court-approved settlement, to restore losses to a qualified defined
 contribution plan on account of the breach of fiduciary duty (other than a
 breach of fiduciary duty arising from failure to remit contributions to the
 Plan). Payments made to the Plan to make up for losses due merely to market
 fluctuations and other payments that are not made on account of a reasonable risk
 of liability for breach of a fiduciary duty under ERISA are not restorative
 payments and generally constitute contributions that are considered annual
 additions.
|    |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             
|    | (b)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | Other Amounts. Annual additions for purposes
 of Code §415 shall not include: (1) The direct transfer of a benefit or
 employee contributions from a qualified plan to this Plan; (2) Rollover
 contributions (as described in Code §§401(a)(31), 402(c)(1), 403(a)(4),
 403(b)(8), 408(d)(3), and 457(e)(16)); (3) Repayments of loans made to a participant
 from the Plan; and (4) Repayments of amounts described in Code §411(a)(7)(B)
 (in accordance with Code §411(a)(7)(C)) and Code §411(a)(3)(D) or repayment
 of contributions to a governmental plan (as defined in Code §414(d)) as
 described in Code §415(k)(3), as well as Employer restorations of benefits
 that are required pursuant to such repayments.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               
|    |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             
|    | (c)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | Date of tax-exempt Employer contributions.
 Notwithstanding anything in the Plan to the contrary, in the case of an
 Employer that is exempt from Federal income tax (including a governmental
 employer), Employer contributions are treated as credited to a participants
 account for a particular limitation year only if the contributions are
 actually made to the plan no later than the 15th day of the tenth calendar
 month following the end of the calendar year or fiscal year (as applicable,
 depending on the basis on which the employer keeps its books) with or within
 which the particular limitation year ends.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     

© 2008
Prudential

3

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Nonstandardized 401(k) Plan

|    |                                                                                                                                                                                                                                                                                                                                                                                                                                                               |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 
|--- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|3.6 | Change of limitation year. The limitation
 year may only be changed by a Plan amendment. Furthermore, if the Plan is
 terminated effective as of a date other than the last day of the Plans
 limitation year, then the Plan is treated as if the Plan had been amended to
 change its limitation year.                                                                                                                                                     
|    |                                                                                                                                                                                                                                                                                                                                                                                                                                                              
|3.7 | Excess Annual Additions. Notwithstanding any
 provision of the Plan to the contrary, if the annual additions (within the
 meaning of Code §415) are exceeded for any participant, then the Plan may only
 correct such excess in accordance with the Employee Plans Compliance
 Resolution System (EPCRS) as set forth in Revenue Procedure 2006-27 or any
 superseding guidance, including, but not limited to, the preamble of the
 final §415 regulations.
|    |                                                                                                                                                                                                                                                                                                                                                                                                                                                              
|3.8 | Aggregation and Disaggregation of Plans.                                                                                                                                                                                                                                                                                                                                                                                                                     
|    |                                                                                                                                                                                                                                                                                                                                                                                                                                                              
|    | (a)                                                                                                                                                                                                                                                                                                                                                                                                                                                           | For purposes
 of applying the limitations of Code §415, all defined contribution plans
 (without regard to whether a plan has been terminated) ever maintained by the
 Employer (or a predecessor employer) under which the participant receives
 annual additions are treated as one defined contribution plan. The Employer
 means the Employer that adopts this Plan and all members of a controlled
 group or an affiliated service group that includes the Employer (within the
 meaning of Code §§414(b), (c), (m) or (o)), except that for purposes of this
 Section, the determination shall be made by applying Code §415(h), and shall
 take into account tax-exempt organizations under Regulation Section
 1.414(c)-5, as modified by Regulation Section 1.415(a)-1(f)(1). For purposes
 of this Section:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    
|    |                                                                                                                                                                                                                                                                                                                                                                                                                                                               |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              
|    |                                                                                                                                                                                                                                                                                                                                                                                                                                                               | (1)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           | A former
 Employer is a predecessor employer with respect to a participant in a plan
 maintained by an Employer if the Employer maintains a plan under which the
 participant had accrued a benefit while performing services for the former
 Employer, but only if that benefit is provided under the plan maintained by
 the Employer. For this purpose, the formerly affiliated plan rules in
 Regulation Section 1.415(f)-1(b)(2) apply as if the Employer and predecessor
 Employer constituted a single employer under the rules described in
 Regulation Section 1.415(a)-1(f)(1) and (2) immediately prior to the
 cessation of affiliation (and as if they constituted two, unrelated employers
 under the rules described in Regulation Section 1.415(a)-1(f)(1) and (2)
 immediately after the cessation of affiliation) and cessation of affiliation
 was the event that gives rise to the predecessor employer relationship, such
 as a transfer of benefits or plan sponsorship.
|    |                                                                                                                                                                                                                                                                                                                                                                                                                                                               |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 
|    |                                                                                                                                                                                                                                                                                                                                                                                                                                                               | (2)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           | With respect
 to an Employer of a participant, a former entity that antedates the Employer
 is a predecessor employer with respect to the participant if, under the
 facts and circumstances, the Employer constitutes a continuation of all or a
 portion of the trade or business of the former entity.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     
|    |                                                                                                                                                                                                                                                                                                                                                                                                                                                               |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 
|    | (b)                                                                                                                                                                                                                                                                                                                                                                                                                                                           | Break-up of an affiliate employer or an affiliated service group.
 For purposes of aggregating plans for Code §415, a formerly affiliated plan
 of an employer is taken into account for purposes of applying the Code §415
 limitations to the employer, but the formerly affiliated plan is treated as
 if it had terminated immediately prior to the cessation of affiliation. For
 purposes of this paragraph, a formerly affiliated plan of an employer is a
 plan that, immediately prior to the cessation of affiliation, was actually
 maintained by one or more of the entities that constitute the employer (as
 determined under the employer affiliation rules described in Regulation
 Section 1.415(a)-1(f)(1) and (2)), and immediately after the cessation of
 affiliation, is not actually maintained by any of the entities that
 constitute the employer (as determined under the employer affiliation rules
 described in Regulation Section 1.415(a)-1(f)(1) and (2)). For purposes of
 this paragraph, a cessation of affiliation means the event that causes an
 entity to no longer be aggregated with one or more other entities as a single
 employer under the employer affiliation rules described in Regulation Section
 1.415(a)-1(f)(1) and (2) (such as the sale of a subsidiary outside a
 controlled group), or that causes a plan to not actually be maintained by any
 of the entities that constitute the employer under the employer affiliation
 rules of Regulation Section 1.415(a)-1(f)(1) and (2) (such as a transfer of
 plan sponsorship outside of a controlled group).
|    |                                                                                                                                                                                                                                                                                                                                                                                                                                                               |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              
|    | (c)                                                                                                                                                                                                                                                                                                                                                                                                                                                           | Midyear Aggregation. Two or more defined
 contribution plans that are not required to be aggregated pursuant to Code
 §415(f) and the Regulations thereunder as of the first day of a limitation
 year do not fail to satisfy the requirements of Code §415 with respect to a
 participant for the limitation year merely because they are aggregated later
 in that limitation year, provided that no annual additions are credited to
 the participants account after the date on which the plans are required to
 be aggregated.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         

ARTICLE IV
PLAN COMPENSATION

|    |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        
|--- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|4.1 | Compensation limit. Notwithstanding
 Amendment Section 4.2 or any election in Amendment Section 2.2, if the Plan
 is a 401(k) plan, then participants may not make elective deferrals with
 respect to amounts that are not 415 Compensation. However, for this purpose,
 415 Compensation is not limited to the annual compensation limit of Code
 §401(a)(17).                                                                                                                                                                                                                                                                       
|    |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        
|4.2 | Compensation paid after severance from employment.
 Compensation for purposes of allocations (hereinafter referred to as Plan
 Compensation) shall be adjusted, unless otherwise elected in Amendment
 Section 2.2, in the same manner as 415 Compensation pursuant to Article III
 of this Amendment if those amounts would have been included in Compensation
 if they were paid prior to the Participants severance from employment,
 except in applying Article III, the term limitation year shall be replaced
 with the term plan year and the term 415 Compensation shall be replaced
 with the term Plan Compensation.

© 2008
Prudential

4

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Nonstandardized 401(k) Plan

|    |                                                                                                                                                                                                                                   
|--- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|4.3 | Option to apply Plan Compensation provisions early.
 The provisions of this Article shall apply for Plan Years beginning on and
 after July 1, 2007, unless another effective date is specified in Section 2.2
 of this Amendment.

Except with
respect to any election made by the employer in Section 2.2, this amendment is
hereby adopted by the prototype sponsor on behalf of all adopting employers on:

__________________________________________________________
(signature and date)

Sponsor Name: The
Prudential Insurance Company of America (PICA)

NOTE: The Employer only needs to execute this
Amendment if an election has been made in Section 2.2 of this Amendment.

This amendment
has been executed this _________________ day of ______________________________,
________.

Name of Plan: State
Bank of Long Island 401(k) Retirement Plan and Trust

Name of
Employer: State Bank of Long Island

|    |          | 
|--- | -------- | 
|By: |          | 
|    |          | 
|    | EMPLOYER | 

© 2008
Prudential

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Nonstandardized 401(k) Plan

PRUDENTIAL ADOPTION AGREEMENT
ADMINISTRATIVE CHECKLISTSeptember 9, 2010

This Administrative Checklist (AC) is not
part of the Adoption Agreement or Plan but is for the use of the Plan Administrator
in administering the Plan.

The AC reflects the Plan policies and
operation as of the date set forth above and may also reflect Plan policies and
operation pre-dating the specified date.

|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |     |      |                                                                                                                                                                                                                                                                                                                                                                  
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --- | ---- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|AC1.
 PARTICIPANT DISTRIBUTION NOTIFICATION PERIOD (PPA Amendment). For any
 distribution notice issued in Plan Years beginning after December 31, 2006,
 any reference to the 180-day maximum notice period prior to distribution in
 applying the notice requirements of Code §§402(f) (the rollover notice),
 411(a)(11) (Participants consent to distribution), and 417 (notice under the
 joint and survivor annuity rules) will continue to be enforced
 administratively as a 90 day maximum notice period unless a different maximum
 notice period is specified below.(Choose
 (a) if a different maximum notice period will be applied administratively.):
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      | (a) | [  ] | The Plan
 will administratively enforce a maximum notice period of __________ days
 (maximum notice period cannot exceed 180 days.)                                                                                                                                                                                                                              
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |     |      |                                                                                                                                                                                                                                                                                                                                                                  
|AC2. PLAN LOANS (7.06). The Plan permits or does not permit Participant Loans as
follows (Choose one of (a) or (b)):                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      | (a) | [  ] | Does not permit.                                                                                                                                                                                                                                                                                                                                                 
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      | (b) | [X]  | Permitted pursuant to the Loan Policy. See
 SFC Election 72 to complete Loan Policy.                                                                                                                                                                                                                                                                             
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |     |      |                                                                                                                                                                                                                                                                                                                                                                  
|AC3.
HARDSHIP DISTRIBUTION SUSPENSION PERIOD(6.07(A)(2)).A Participant who receives a safe harbor hardship distribution may not make
Elective Deferrals or Employee Contributions to the Plan during the 6-month
period following the date of the hardship distribution, unless the Plan
Administrator elects in (b) below to require a longer period. (Choose one of (a) or (b)):                                                                                                                                                                                                                                                                                   
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      | (a) | [X]  | The Plan
 will apply the 6-month suspension period as described in Section 6.07(A)(2)
 of the Plan.                                                                                                                                                                                                                                                              
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      | (b) | [  ] | The Plan
 will modify the suspension period as described in Section 6.07(A)(2) of the
 Plan. A Participant who receives a safe harbor hardship distribution may not
 make Elective Deferrals or Employee Contributions to the Plan during the ______ -month (enter a number of months, not to
 exceed 12) period following the date of the Hardship Distribution.
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |     |      |                                                                                                                                                                                                                                                                                                                                                                  
|AC4. SPOUSAL
 CONSENT FOR DISTRIBUTIONS (7.02(C)(2)).
 The following serves as the Plans administrative policy with regard to the
 requirement of spousal consent for distributions that are not otherwise
 subject to the Qualified Joint and Survivor Annuity requirements. (Choose one of (a) through (c) as applicable):                                                                                                                                                                                                                                                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      | (a) | [  ] | Not
 Applicable. Plan is subject to the Qualified Joint and Survivor Annuity
 requirements outlined in the Plan thus all distributions exceeding the
 threshold identified in the Plan are subject to spousal consent.                                                                                                                                           
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      | (b) | [X]  | Participants
 will not be required to obtain spousal consent for all distributions made
 from the Plan (unless the Participant chooses an annuity form of payment,
 which will require a distribution, and any subsequent distributions,
 exceeding the threshold identified in the Plan to be subject to spousal
 consent).                                     
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      | (c) | [  ] | Participants
 will be required to obtain spousal consent for all distributions made from
 the Plan exceeding the threshold identified in the Plan.                                                                                                                                                                                                               

|                                                                                                                                                                                                                                     |     |      |                                                                                                           |                                                                             |      |                                                                                                                                                                            
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | --- | ---- | --------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------- | ---- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|AC5. PARTICIPANT
 DIRECTION OF INVESTMENT (7.03(B)).
 The Plan permits Participant direction of investment or does not permit
 Participant direction of investment as to some or all Accounts as follows (Choose one of (a) or (b)):
|                                                                                                                                                                                                                                     | (a) | [  ] | Does not permit. The Plan does not permit
 Participant direction of investment of any Account.           
|                                                                                                                                                                                                                                     | (b) | [X]  | Permitted as follows. The Plan permits
 Participant direction of investment. (Complete
 (1) through (4)):
|                                                                                                                                                                                                                                     |     |      | (1)                                                                                                       | Accounts affected. (Choose a. or choose one or more of b. through f.):     
|                                                                                                                                                                                                                                     |     |      |                                                                                                           | a.                                                                          | [  ] | All Accounts.                                                                                                                                                              
|                                                                                                                                                                                                                                     |     |      |                                                                                                           | b.                                                                          | [X]  | Elective Deferral Accounts (Pre-tax and Roth) and Employee
 Contributions.                                                                                                 
|                                                                                                                                                                                                                                     |     |      |                                                                                                           | c.                                                                          | [X]  | All Nonelective Contribution Accounts.                                                                                                                                     
|                                                                                                                                                                                                                                     |     |      |                                                                                                           | d.                                                                          | [  ] | All Matching Contribution Accounts.                                                                                                                                        
|                                                                                                                                                                                                                                     |     |      |                                                                                                           | e.                                                                          | [X]  | All Rollover Contribution and Transfer Accounts.                                                                                                                           
|                                                                                                                                                                                                                                     |     |      |                                                                                                           | f.                                                                          | [  ] | Specify Accounts: ______________________________________________________                                                                                                   
|                                                                                                                                                                                                                                     |     |      | (2)                                                                                                       | Restrictions on Participant direction (Choose one of a. or b.):            
|                                                                                                                                                                                                                                     |     |      |                                                                                                           | a.                                                                          | [  ] | None. Provided the investment does not
 result in a prohibited transaction, give rise to UBTI, create administrative
 problems or violate the Plan terms or Applicable Law.
|                                                                                                                                                                                                                                     |     |      |                                                                                                           | b.                                                                          | [X]  | Restrictions: Effective January 1, 2010,
Employer Matching Contributions are made in the form of Company Stock.                                                            
|                                                                                                                                                                                                                                     |     |      | (3)                                                                                                       | ERISA §404(c). (Choose one of a. or b.):                                   
|                                                                                                                                                                                                                                     |     |      |                                                                                                           | a.                                                                          | [X]  | Applies.                                                                                                                                                                   
|                                                                                                                                                                                                                                     |     |      |                                                                                                           | b.                                                                          | [  ] | Does not apply.                                                                                                                                                            
|                                                                                                                                                                                                                                     |     |      | (4)                                                                                                       | QDIA (Qualified Default Investment Alternative).
 (Choose one of a. or b.):
|                                                                                                                                                                                                                                     |     |      |                                                                                                           | a.                                                                          | [X]  | Applies. See SFC Election 110 for details.                                                                                                                                 
|                                                                                                                                                                                                                                     |     |      |                                                                                                           | b.                                                                          | [  ] | Does not apply.                                                                                                                                                            

© 2010
Prudential

1

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Nonstandardized 401(k) Plan

|                                                                                                                                                                            |     |                                                                |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |                                                                                               |      |                                                                                                                                                                                                                                
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --- | -------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------- | ---- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|AC6. SALARY
REDUCTION AGREEMENT ELECTIONS(1.54(C)). The Plan permits Salary Reduction
Elections in the following form(s) (Choose
(a) through (e) as applicable).           
|                                                                                                                                                                            | (a) | [  ]                                                           | No
 restriction on method of a Participants salary reduction election                                                                                                                                                                                                                                                                                                                                                                                                               
|                                                                                                                                                                            | (b) | [  ]                                                           | In whole
 percentage increments                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|                                                                                                                                                                            | (c) | [  ]                                                           | In whole
 dollar increments                                                                                                                                                                                                                                                                                                                                                                                                                                                          
|                                                                                                                                                                            | (d) | [  ]                                                           | In
 percentage increments except that catch-up salary reductions may be made in
 whole percentage increments or whole dollar increments                                                                                                                                                                                                                                                                                                                                              
|                                                                                                                                                                            | (e) | [X]                                                            | Other: (i)
with respect to salary reductions, the election must be made in whole
percentages and (ii) with respect to catchup contributions, the election must
be made in whole dollar increments.                                                                                                                                                                                                                                                                                   
|                                                                                                                                                                            |     |                                                                |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|With respect
 to timing of Salary Reduction Election changes the Plan permits salary
 reduction election changes as indicated below (Choose (a) through (e) as applicable).
|                                                                                                                                                                            | (a) | [X]                                                            | Permitted at
 any time and will be effective as soon as administratively feasible                                                                                                                                                                                                                                                                                                                                                                                                    
|                                                                                                                                                                            | (b) | [  ]                                                           | Permitted
 only on the first day of each calendar month                                                                                                                                                                                                                                                                                                                                                                                                                              
|                                                                                                                                                                            | (c) | [  ]                                                           | Permitted
 only on the first day of each calendar quarter                                                                                                                                                                                                                                                                                                                                                                                                                            
|                                                                                                                                                                            | (d) | [  ]                                                           | Permitted
 only once every (choose one of 30/60/90) days                                                                                                                                                                                                                                                                                                                                                                                                                             
|                                                                                                                                                                            | (e) | [  ]                                                           | Other:
 ________________________________________________________________________________                                                                                                                                                                                                                                                                                                                                                                                             
|                                                                                                                                                                            |     |                                                                |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |                                                                                               |     
|With respect
 to a Participants Salary Reduction Election for bonus payments, the
 following applies (Choose (a) or (b) as
 applicable).                                  
|                                                                                                                                                                            | (a) | [X]                                                            | A separate
 participant election is not permitted for bonuses. The same Salary Reduction
 Agreement election will apply to all Elective Deferral Compensation.                                                                                                                                                                                                                                                                                                                       
|                                                                                                                                                                            | (b) | [  ]                                                           | A separate
 participant election will be __________ (permitted/required) for bonuses.
 Participants may make a separate election on the Salary Reduction Agreement
 form provided by the Employer which will apply only to bonus payments. If
 permitted is elected, the participants regular election will apply unless a
 separate election is made. If you select required, there will be no deferral
 from bonuses unless the participant makes a separate election for bonuses.
|                                                                                                                                                                            |     |                                                                |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |                                                                                               |     
|AC7. ROLLOVER
 CONTRIBUTIONS (3.08). The
 Plan permits or does not permit Rollover Contributions as follows (Choose one of (a) or (b)):                                    
|                                                                                                                                                                            | (a) | [  ]                                                           | Does not
permit.                                                                                                                                                                                                                                                                                                                                                                                                                                                                     
|                                                                                                                                                                            | (b) | [X]                                                            | Permits. Subject to approval by the Plan Administrator and as further described below (Complete (1) and (2)):                                                                                                                                                                                                                                                                                                                                                                        
|                                                                                                                                                                            |     |                                                                | (1)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   | Who may roll over.(Choose one of a. or b.):                                                  
|                                                                                                                                                                            |     |                                                                |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       | a.                                                                                            | [  ] | Participants
only.                                                                                                                                                                                                             
|                                                                                                                                                                            |     |                                                                |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       | b.                                                                                            | [X]  | Eligible
Employees or Participants.                                                                                                                                                                                            
|                                                                                                                                                                            |     |                                                                | (2)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   | Sources/Types. The Plan will accept a Rollover Contribution (Choose
one of a. or b.):        
|                                                                                                                                                                            |     |                                                                |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       | a.                                                                                            | [  ] | All. From
any Eligible Retirement Plan and as to all Contribution Types eligible to be
rolled into this Plan.                                                                                                                  
|                                                                                                                                                                            |     |                                                                |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       | b.                                                                                            | [X]  | Limited. Only from the following types of Eligible Retirement Plans and/or as to the
following Contribution Types: 401(a) excluding After-Tax and Roth, 403(a),
403(b) Excluding After-Tax and Roth, 408(a), 408(b) and 457(b).
|                                                                                                                                                                            |     |                                                                |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |                                                                                               |     
|AC8. PLAN
EXPENSES(7.04(C)). The Employer will pay or the Plan will be charged
with non-settlor Plan expenses as follows (Choose
one of (a) or (b)):                       
|                                                                                                                                                                            | (a) | [  ]                                                           | Employer pays all expenses except those intrinsic to Trust assets
 which the Plan will pay (e.g., brokerage commissions).                                                                                                                                                                                                                                                                                                                                                            
|                                                                                                                                                                            | (b) | [X]                                                            | Plan pays some or all non-settlor expenses. See SFC Election 126 for
 details.                                                                                                                                                                                                                                                                                                                                                                                                       
|                                                                                                                                                                            |     |                                                                |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |                                                                                               |     
|AC9. RELATED
 AND PARTICIPATING EMPLOYERS (1.23(C)/(D)).
 There are or are not Related Employers and Participating Employers as follows
 (Complete (a) through (c)):       
|                                                                                                                                                                            | (a) | Related Employers. (Choose one of (1) or (2)):                
|                                                                                                                                                                            |     | (1)                                                            | [X]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   | None.                                                                                         |     
|                                                                                                                                                                            |     | (2)                                                            | [  ]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  | Name(s) of Related Employers: ____________________________                                   
|                                                                                                                                                                            | (b) | Participating (Related) Employers. (Choose one of (1) or (2)):
|                                                                                                                                                                            |     | (1)                                                            | [X]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   | None.                                                                                        
|                                                                                                                                                                            |     | (2)                                                            | [  ]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  | Name(s) of Participating Employers:
 _______________________ See SFC Election 73 for details.
|                                                                                                                                                                            | (c) | Former Participating Employers. (Choose one of (1) or (2)):   
|                                                                                                                                                                            |     | (1)                                                            | [X]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   | None.                                                                                        
|                                                                                                                                                                            |     | (2)                                                            | [  ]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  | Applies.                                                                                     

|                        |  |                  
|----------------------- |  | -----------------
|Name(s)                 |  | Date of cessation
|_______________________ |  | ______________   
|_______________________ |  | ______________   

AC10. TOP-HEAVY
MINIMUM-MULTIPLE PLANS (10.03).
If the Employer maintains another plan, this Plan provides that the Plan
Administrator operationally will determine in which plan the Employer will
satisfy the Top-Heavy Minimum Contribution (or benefit) requirement as to
Non-Key Employees who participate in such plans and who are entitled to a
Top-Heavy Minimum Contribution (or benefit). This Election documents the Plan
Administrators operational election. (Choose
(a) or choose one of (b) or (c)):


| |     |      |                
| | --- | ---- | ---------------
| | (a) | [  ] | Does not apply.

© 2010
Prudential

2

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Nonstandardized 401(k) Plan

| |     |      |                                                                                                                                                        |                                                                                                                                                                                                         | 
| | --- | ---- | ------------------------------------------------------------------------------------------------------------------------------------------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | 
| | (b) | [X]  | If only another Defined Contribution Plan.
 Make the Top-Heavy Minimum Allocation (Choose
 one of (1) or (2)):                                        
| |     | (1)  | [X]                                                                                                                                                    | To this Plan.                                                                                                                                                                                          
| |     | (2)  | [  ]                                                                                                                                                   | To another Defined Contribution Plan:
 _______________________________________ (plan name)                                                                                                             
| | (c) | [  ] | If one or more
Defined Benefit Plans. Make the Top-Heavy Minimum Allocation or provide the
top-heavy minimum benefit (Choose one of
(1), (2), or (3)):
| |     | (1)  | [  ]                                                                                                                                                   | To this Plan. Increase the Top-Heavy Minimum
 Allocation to 5%.                                                                                                                                        
| |     | (2)  | [  ]                                                                                                                                                   | To another Defined Contribution Plan.
 Increase the Top-Heavy Minimum Allocation to 5% and provide under
 the: ____________________________________________ (name of other Defined
 Contribution Plan).
| |     | (3)  | [  ]                                                                                                                                                   | To a Defined Benefit Plan. Provide the 2%
 top-heavy minimum benefit under the: (name of Defined Benefit Plan) and
 applying the following interest rate and mortality assumptions: _________________. 

|                                                                                                                                                                                                                                                                              |     |      |                                                                                                                                                                                            
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --- | ---- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|AC11.
SELF-EMPLOYED PARTICIPANTS(1.21(A)). One or more self-employed Participants
with Earned Income benefits in the Plan as follows (Choose one of (a) or (b)):                                                                                                             
|                                                                                                                                                                                                                                                                              | (a) | [X]  | None.                                                                                                                                                                                      
|                                                                                                                                                                                                                                                                              | (b) | [  ] | Applies.                                                                                                                                                                                   
|                                                                                                                                                                                                                                                                              |     |      |                                                                                                                                                                                            
|AC12.
PROTECTED BENEFITS(11.02(C)). The following Protected Benefits no longer
apply to all Participants or do not apply to designated amounts/Participants
as indicated, having been eliminated by a Plan amendment (Choose (a), or one or both of (b)  (c) as
applicable):
|                                                                                                                                                                                                                                                                              | (a) | [X]  | Does not apply. No Protected Benefits have
 been eliminated.                                                                                                                               
|                                                                                                                                                                                                                                                                              | (b) | [  ] | Applies. Protected Benefits have been
 eliminated as follows (Choose one or more
 of rows (1) through (4) as applicable. Choose one of columns (1), (2), or
 (3), and complete column (4)):

|    |      |                                                                              |                                   |                                             |                                    |  |                             
|--- | ---- | ---------------------------------------------------------------------------- | --------------------------------- | ------------------------------------------- | ---------------------------------- |  | ----------------------------
|    |      |                                                                              | (1)
 All
 Participants/
 Accounts | (2)
 Post-E.D.
 Contribution
 Accounts only | (3)
 Post-E.D.
 Participants
 only |  | (4)
 Effective
 Date
 (E.D.)
|(1) | [  ] | QJSA/QPSA distributions                                                      | [  ]                              | [  ]                                        | [  ]                               |  | ________                    
|(2) | [  ] | Installment distributions                                                    | [  ]                              | [  ]                                        | [  ]                               |  | ________                    
|(3) | [  ] | In-kind distributions                                                        | [  ]                              | [  ]                                        | [  ]                               |  | ________                    
|(4) | [  ] | Specify: ___________________________________________________________________

| |     |                                                                |                                                                                                                                                                                                                                                   |                                                                                   | 
| | --- | -------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------- | 
| | (c) | [  ]                                                           | Applies. List any Protected Benefits that are provided under this Plan but that are
not specifically provided for under the Adoption Agreement (complete (1), (2) and (3), select one of (4) or
(5), and complete (a) through (j) as applicable):
|
| |     | (1)                                                            | [  ]                                                                                                                                                                                                                                              | Effective Date: ________________________                                         
|
| |     | (2)                                                            | [  ]                                                                                                                                                                                                                                              | Name of Predecessor
 Plan: ______________________________________________________
|
| |     | (3)                                                            | [  ]                                                                                                                                                                                                                                              | Name of Merged Plan:
 __________________________________________________________ 
|
| |     | This
 addendum is with respect to (choose one of
 (4) or (5)):
|
| |     | (4)                                                            | [  ]                                                                                                                                                                                                                                              | Participants
 as of the Effective Date indicated above                           
|
| |     | (5)                                                            | [  ]                                                                                                                                                                                                                                              | Participant
 accounts accrued as of the Effective Date above                     

|                                                                                                                                                                                                                                                                                                                                       |     |      |                                                                                                                      
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --- | ---- | ---------------------------------------------------------------------------------------------------------------------
|AC13. LIFE
 INSURANCE (9.01). The Trust
 invests or does not invest in life insurance Contracts as follows (Choose one of (a) or (b)):                                                                                                                                                                                                
|                                                                                                                                                                                                                                                                                                                                       | (a) | [X]  | Does not
apply.                                                                                                      
|                                                                                                                                                                                                                                                                                                                                       | (b) | [  ] | Applies.Subject to the limitations and other provisions in Article IX and/or Appendix
B.                             
|                                                                                                                                                                                                                                                                                                                                       |     |      |                                                                                                                      
|AC14. DISTRIBUTION
 OF CASH OR PROPERTY (8.04).
 The Plan provides for distribution in the form of (Choose one of (a) or (b)):                                                                                                                                                                                                        
|                                                                                                                                                                                                                                                                                                                                       | (a) | [X]  | Cash only.Except where property distribution is required or permitted under Section
8.04.                            
|                                                                                                                                                                                                                                                                                                                                       | (b) | [  ] | Cash or
property. At the distributees election and consistent with any Plan
Administrator policy under Section 8.04.
|                                                                                                                                                                                                                                                                                                                                      
|AC15. EMPLOYER
 SECURITIES/EMPLOYER REAL PROPERTY (8.02(A)(13)).
 The Trust invests or does not invest in qualifying Employer securities and/or
 qualifying Employer real property as follows (Choose
 one of (a) or (b)):                                                                                                            
|                                                                                                                                                                                                                                                                                                                                       | (a) | [  ] | Does not
apply.                                                                                                      
|                                                                                                                                                                                                                                                                                                                                       | (b) | [X]  | Applies.Such investments are subject to the limitations of Section 8.02(A)(13) and/or
Appendix B.                    
|                                                                                                                                                                                                                                                                                                                                       |     |      |                                                                                                                      
|CLIENT
 ACKNOWLEDGEMENT                                                                                                                                                                                                                                                                                                               
|By adopting
 this administrative checklist, serving as an administrative policy, we direct
 Prudential to make any adjustments that may be necessary to its record-keeping
 system. The Plan Sponsor understands their responsibility to notify
 participants of this administrative policy and the administrative procedures
 herein.

© 2010
Prudential

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Nonstandardized 401(k) Plan

I confirm that
I am authorized by the Employer to adopt the rules of procedure and policies
enclosed herein. As the Plan Administrator, I consider these rules of procedure
and policies reasonable or necessary for the proper and efficient
administration of the Plan. Therefore, upon my signature below, I hereby adopt
this Administrative Checklist as an administrative policy to the Plan.

|                     |  |  |       | 
|-------------------- |  |  | ----- | 
|Plan
 Administrator: |  |  | Date: | 
|                     |  |  |       | 
|                     |  |  |       | 

Plan Name: State
Bank of Long Island 401(k) Retirement Plan and Trust

Plan Number: 002

© 2010
Prudential

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