<PAGE>

                                                                  EXHIBIT 10(a)

STATE OF ALABAMA  )

JEFFERSON COUNTY  )


                             SOUTHTRUST CORPORATION
                      EXECUTIVE MANAGEMENT RETIREMENT PLAN

         SOUTHTRUST CORPORATION, a Delaware corporation with its principal
place of business in Birmingham, Alabama (hereinafter for convenience referred
to as "SouthTrust") hereby adopts and publishes this the SouthTrust Corporation
Executive Management Retirement Plan for the benefit of a select group of
highly compensated or management employees of (hereinafter for convenience
referred to as "Participants"), to be effective as of 1st day of January, 2002,
as follows:

                              W I T N E S S E T H:
                              -------------------

         WHEREAS, it is intended that this Plan will provide retirement
benefits to certain selected Participants in addition to any retirement
benefits that may be provided to Participants by SouthTrust under any other
plan or agreement; and

         WHEREAS, it is intended that the Plan shall remain unfunded for
purposes of Title I of ERISA and for income tax purposes; and

         WHEREAS, the Board of Directors of the Employer approved and adopted,
by resolution, the Plan, as hereinafter stated in its entirety; and

         WHEREAS, SouthTrust has established the Trust for the Benefit of
Participants in the SouthTrust Corporation Executive Management Retirement Plan
(hereinafter referred to as "Trust") for the purpose of providing, upon the
occurrence of certain events, the benefits prescribed under this Plan; and

         WHEREAS, Participants are currently highly compensated or management
employees of SouthTrust and have been selected by the Committee (as hereinafter
defined) to participate in the Plan; and

         WHEREAS, SouthTrust has determined that the Participants have
performed outstanding services for SouthTrust, and as such, shall be entitled
to the additional retirement benefits according to the terms and provisions set
forth in this Plan and the Internal Revenue Code of 1986, as amended.

         NOW, THEREFORE, IN CONSIDERATION OF THE ABOVE PREMISES, and the mutual
covenants hereinafter set forth, faithfully to be kept by the parties hereto,
it is agreed as follows:

         1.       DEFINITIONS. Certain capitalized terms used herein without
definition shall have the meanings assigned to such terms in the Pension Plan
(as hereinafter defined) as if fully set forth herein.

                  1.1      "Administrator" means the Human Resource Committee
of the Board.


                                       1
<PAGE>

                  1.2      "Beneficiary" means the individual or entity
entitled to be paid the balance of a deceased Participant's benefits hereunder
and shall be the same beneficiary as elected by the Participant under the
Pension Plan (as hereinafter defined).

                  1.3      "Board" means the Board of Directors of SouthTrust.

                  1.4      "Change in Control" means any one or more of the
following: (i) when any person or group of persons, directly or indirectly,
becomes the beneficial owner of, or obtain(s) the right to acquire securities
of SouthTrust representing 20% or more of the combined voting power of
SouthTrust's outstanding voting stock; (ii) when there is a change in the
majority of the members of the Board within any twenty-four month period; (iii)
when there is consummated any merger or consolidation which would result in a
change in control under any other provision of this paragraph; (iv) upon the
adoption of any plan or proposal for the liquidation or dissolution of
SouthTrust; or (v) upon the occurrence of any other event that would be
required to be reported under Item 6(e) of Schedule 14A of Regulation 14A of
the Securities Exchange Act of 1934.

                  1.5      "Code" means the Internal Revenue Code of 1986, as
amended.

                  1.6      "Committee" means the Human Resources Committee of
SouthTrust.

                  1.7      "Effective Date" of the Plan means the 1st day of
January, 2002.

                  1.8      "ERISA" means the Employee Retirement Income
Security Act of 1974, as amended.

                  1.9      "Participant" means a highly compensated or
management-level employee of SouthTrust who has been notified by the Committee
that he is covered under this Plan.

                  1.10     "Participation Agreement" means a written
instrument, satisfactory in form and substance to the Committee, by which an
employee is designated as a Participant in the Plan and agrees to participate
in the Plan.

                  1.11     "Pension Plan" means the SouthTrust Corporation
Pension Plan (formerly known as the SouthTrust Corporation Revised Retirement
Income Plan), as the same may be from time to time amended.

                  1.12     "Plan" means the SouthTrust Corporation Executive
Management Retirement Plan established by this document and as may be amended
from time to time and executed by SouthTrust, and any related documents
executed by the Participant.

                  1.13     "SouthTrust" means SouthTrust Corporation, a
corporation organized and existing under the laws of the State of Delaware, and
any corporate successor thereto, whether by merger, consolidation, liquidation,
or otherwise.

                  1.14     "Trust" means the Trust for the SouthTrust
Corporation Executive Management Retirement Plan created simultaneously
herewith for the benefit of the Participants pursuant to the terms of the Plan.

                                       2
<PAGE>

         2.       PURPOSE. The Plan is intended to be unfunded for purposes of
Title I of ERISA and for income tax purposes and is also intended to provide
additional retirement benefits to the Participants.

         3.       ELIGIBILITY. Only those highly compensated or
management-level employees of SouthTrust selected and notified by the Committee
are eligible to participate.

         4.       PARTICIPATION. The Committee will select those employees, if
any, who will participate in the Plan. The Committee will notify each
Participant in writing of his participation in the Plan and the date he
commenced participation in the Plan, and deliver a Participation Agreement. An
eligible employee to whom a Participation Agreement is delivered may become a
Participant in the Plan by executing and returning the Participation Agreement
to the Committee, subject to the terms and conditions set forth in the
Participation Agreement. The provisions of a Participation Agreement may from
time to time be amended by a written instrument executed by an officer of
SouthTrust duly authorized by the Committee and the Participant.

         5.       ESTABLISHMENT OF TRUST. SouthTrust is not required to fund
this Agreement. However, it may do so by setting aside such cash and or other
property necessary to pay the retirement benefits provided hereunder. In any
event, however, the rights of the Participants shall be those of unsecured
creditors. Any and all funds which may be set aside by SouthTrust to satisfy
any and all obligations created by this Plan and any related documents shall be
paid by SouthTrust to the Trustee under the Trust which is, at the date of this
Plan, SunTrust Bank, a Georgia corporation ("Trustee").

         6.       BENEFIT.

                  6.1      Annual Benefit.

                           (a)      Retirement at Age 65. If a Participant
retires on or after the Participant's 65th birthday, he will be entitled to
receive the Annual Benefit set forth in the Participant's Participation
Agreement.

                           (b)      Retirement Prior to Age 65. If a
Participant retires prior to the Participant's 65th birthday, his Annual
Benefit set forth in the Participant's Participation Agreement shall be reduced
by an amount equal to .35% for each full calendar month remaining until the
Participant's 65th birthday.

                  6.2      Death Benefit. If the Participant dies before
commencing to receive payment of the benefits hereunder, the Eligible Spouse of
the Participant shall be entitled to receive, or commence to receive as of the
first day of the month following the Participant's death, the payments that
would have been made to such Eligible Spouse under a Qualified Joint and
Survivor Annuity.

         7.       PAYMENT OF BENEFIT. The Participant shall be entitled to
receive the Annual Benefit set forth in Section 6 hereinabove in the same
manner and at the same time, upon occurrence of the same events and subject to
the same conditions, as provided under Pension Plan.

         8.       ADMINISTRATION.

                  8.1      Administrator. This Plan shall be administered by
the Administrator.

                  8.2      Administrator's Powers and Duties. The Administrator
shall have the powers and duties to:


                                       3
<PAGE>

                           (a)      Construe and interpret the provisions of
the Plan;

                           (b)      Adopt, amend, or revoke rules and
regulations for the administration of the Plan, provided they are not
inconsistent with the provisions of the Plan;

                           (c)      Provide appropriate parties with such
returns, reports, descriptions and statements as may be required by law, within
the times prescribed by law and to make them available for examination by the
Participant when required by law;

                           (d)      Take such other action as may reasonably be
required to administer the Plan in accordance with its terms or as may be
provided for or required by law;

                           (e)      Withhold applicable taxes and file with the
Internal Revenue Service appropriate information returns, with respect to
distributions made from the Plan; and

                           (f)      Appoint and retain such persons, including
a trustee of the Trust, as may be necessary to carry out the functions of the
Administrator.

                           (g)      Upon the occurrence of a Change In Control,
the Administrator shall delegate and the Trustee shall accept any and all
administrative duties created by this Agreement.

         9.       CLAIMS.

                  9.1      Submission of Claim. Claims for benefits under this
Plan are to be submitted to the Administrator.

                  9.2      Notice of Determination of Claim. The Administrator
shall notify the claimant of the determination of the claim within 90 days
after the Administrator's receipt of such claim. The notice shall be written in
a manner calculated to be understood by the claimant and shall include: (i) the
specific reason or reasons for the denial; (ii) specific reference to the
pertinent Plan provisions on which the denial is based; (iii) a description of
any additional material or information necessary for the claimant to perfect
the claim and an explanation of why such material or information is necessary;
and (iv) an explanation of the Plan's appeal procedures.

                  9.3      Extension of Time. If special circumstances require
an extension of time for processing the initial claim, a written notice of the
extension will be given to the claimant before the end of the original 90 day
period and will (a) explain the reasons for the delay and (b) state when a
determination of the claim is expected to be made.

                  9.4      Appeal of Denial of Claim. Within 60 days after
receipt by the claimant of written notification of denial of a claim, the
claimant or his duly authorized representative may appeal such denial by filing
with the Administrator a written application for a review of the denial of the
claim. In connection with such appeal, the claimant or his duly authorized
representative: (a) will have access to all written comments, documents, and
records relating to the claim upon request of the claimant and at no cost to
the claimant; (b) may submit all information, documents, and records,
regardless of whether such information was submitted or considered in the
initial claim determination; and (c) may request a hearing with the
Administrator.


                                       4
<PAGE>

                           A decision on review shall be made by the
Administrator within 60 days after receipt of a written request unless a
hearing has been requested and will be issued to the claimant in writing. If
special circumstances require an extension of time for processing of the
appeal, in which case the Administrator's decision on review shall be rendered
no later than 120 days after receipt of the request for review. If special
circumstances require an extension, written notice will be given to the
claimant before the end of the original 60 day period and will (a) explain the
reasons for the delay and (b) when a determination of the claim on review is
expected to be made. The claimant will have access to and be permitted to
obtain a copy of all documents and records pertaining to his/her appeal. If the
claim is denied on appeal, the notification of the claimant will include (a)
specific reasons for the decision, written in a manner reasonably calculated to
be understood by the claimant; (b) contain specific references to the pertinent
portions of the documents governing the Plan on which the decision is based;
(c) a statement informing you that you may access or obtain copies of all
relevant documents and records; and (d) the procedures for a voluntary appeal,
including the right of the claimant to bring a civil action after an appeal.

         10.      MISCELLANEOUS.

                  10.1     Amendment and Termination to Plan. This Plan may not
be modified or amended in whole or in part, except as amendments may be
required as a result of applicable amendments made to the Pension Plan or
applicable law. This Plan may only be terminated upon the prior written consent
of the Participants and SouthTrust. In addition, no amendment or modification
to the Plan shall reduce or impair the Participant's or Beneficiary's accrued
benefits or optional forms of benefits that are attributable to services
performed prior to the amendment. In the event the Plan is terminated prior to
a Participant's 65th birthday, the benefit payable to or with respect to the
Participant hereunder shall be limited to the actuarial equivalent of the
Participant's benefit hereunder, determined as of the date of payment of such
benefit is made.

                  10.2     Reversion of Additional Assets. In the event there
are assets remaining in the Trust after all obligations to all Participants and
Beneficiaries have been satisfied ("Additional Assets") the Trustee shall pay
such Additional Assets to SouthTrust and the Trust shall be dissolved and the
Plan terminated.

                  10.3     Unsecured Promise. SouthTrust and each Participant
acknowledge that this Plan shall create only an unsecured promise by SouthTrust
to Participants to pay the benefits provided herein.

                  10.4     Assignment of Rights to Benefits. A Participant's
rights to the benefit payments under the Plan shall not be subject in any
manner to anticipation, alienation, sale, transfer, assignment, pledge,
encumbrance, attachment or garnishment by the Participant or by creditors of
the Participant.

                  10.5     Unfunded Plan. It is the intention of SouthTrust and
each Participant that the Plan be unfunded for income tax purposes and for
purposes of Title I of ERISA.

                  10.6     Right to Employment. This Plan shall not be
construed as giving the Participant any right to continued employment with
SouthTrust.

                  10.7     Binding Nature of the Plan. The Plan shall be
binding upon and inure to the benefit of SouthTrust its successors and assigns,
each Participant and Beneficiaries and their heirs and legal representatives.

                  10.8     Written Notice. Any notice or other communication
required or permitted under the Plan shall be in writing. If directed to
SouthTrust, the notice or communication shall be sent to the Board at


                                       5
<PAGE>

the principal executive offices of SouthTrust. If directed to the Participant,
it shall be sent to such Participant at the last known address as it appears on
SouthTrust's records or, if the Participant is employed by SouthTrust, at the
work site, at SouthTrust's option. If directed to a Beneficiary or an Eligible
Spouse, it shall be sent to such Beneficiary or Eligible Spouse at the last
known address as it appears on SouthTrust's records.

                  10.9     Entire Plan. This Plan, as completed and executed by
SouthTrust, and the Participation Agreements executed by SouthTrust and the
Participants and all amendments thereto, shall constitute the entire Plan
between SouthTrust and the Participants.

                  10.10    Controlling Law. This Plan shall be construed in
accordance with the laws of the State of Alabama.

                  10.11    Expenses. The costs of administering the Plan will
be paid by SouthTrust.

                  10.12    Captions. The captions or headings in this Plan are
made for convenience and general reference only and shall not be construed to
describe, define or limit the scope or intent of the provisions of this Plan.

                            [SIGNATURE PAGE FOLLOWS]

                                       6
<PAGE>

         IN WITNESS WHEREOF, SouthTrust Corporation by and through its duly
authorized officers have caused this instrument to be executed under seal on
the ____ day of _______________, 2002.

                                               SOUTHTRUST CORPORATION



                                   By
                                      -----------------------------------------
                                        Its
                                            -----------------------------------

ATTEST:



---------------------------------
Its Secretary

                                       7
<PAGE>

                             SOUTHTRUST CORPORATION
                      EXECUTIVE MANAGEMENT RETIREMENT PLAN
                            PARTICIPATION AGREEMENT

         Pursuant to the terms and provisions of the SouthTrust Corporation
Executive Management Retirement Plan (the "Plan"), the Human Resources
Committee of the Board of Directors of SouthTrust Corporation (the "Committee")
hereby designates the undersigned individual (the "Participant") as a
Participant in the Plan, and the Participant hereby agrees to become a
Participant in the Plan, subject to the terms and conditions set forth in the
Plan below:

         1.       The name of the Participant is Wallace D. Malone, Jr.;

         2.       The date as of which the Participant commences participation
in the Plan is January 1, 2002;

         3.       Except to the extent adjustments are made pursuant to Section
6.1(b) of the Plan, the Participant shall be entitled to receive an annual
benefit (the "Annual Benefit"), payable as set forth in Section 7 of the Plan,
in the amount of $755,000.00 (Seven Hundred Fifty-Five Thousand Dollars) as a
straight life annuity; however, if the Participant has elected to receive his
retirement benefits as provided under the SouthTrust Corporation Pension Plan
(formerly known as the SouthTrust Corporation Revised Retirement Income Plan)
(the "Pension Plan") in a form other than a straight life annuity, then the
Participant will receive the actuarial equivalent (using the actuarial
assumptions set forth in the Pension Plan) of the Annual Benefit in the same
form as elected by the Participant under the Pension Plan; and

         4.       This Participation Agreement hereby supercedes and replaces
any and all prior Participation Agreements entered into by the Participant and
SouthTrust.

                            [SIGNATURE PAGE FOLLOWS]
<PAGE>

         IN WITNESS WHEREOF, the Committee has caused this instrument to be
executed on its behalf of its behalf by the Chairman, SouthTrust Corporation,
and the Participant has hereunto affixed his hand, on the date or dates
indicated below.



         Date:
              -----------------

                                               SOUTHTRUST CORPORATION
ATTEST:



                                      By:
-------------------------------           -------------------------------------
Its Secretary                                      Its
                                                       ------------------------

IN PRESENCE OF:
                                          -------------------------------------
                                          Wallace D. Malone, Jr., Participant

-------------------------------
<PAGE>

                             SOUTHTRUST CORPORATION
                      EXECUTIVE MANAGEMENT RETIREMENT PLAN
                            PARTICIPATION AGREEMENT

         Pursuant to the terms and provisions of the SouthTrust Corporation
Executive Management Retirement Plan (the "Plan"), the Human Resources
Committee of the Board of Directors of SouthTrust Corporation (the "Committee")
hereby designates the undersigned individual (the "Participant") as a
Participant in the Plan, and the Participant hereby agrees to become a
Participant in the Plan, subject to the terms and conditions set forth in the
Plan below:

         1.       The name of the Participant is Julian W. Banton;

         2.       The date as of which the Participant commences participation
in the Plan is January 1, 2002;

         3.       Except to the extent adjustments are made pursuant to Section
6.1(b) of the Plan, the Participant shall be entitled to receive an annual
benefit (the "Annual Benefit"), payable as set forth in Section 7 of the Plan,
in the amount of $140,000.00 (One Hundred Forty Thousand Dollars) as a straight
life annuity; however, if the Participant has elected to receive his retirement
benefits as provided under the SouthTrust Corporation Pension Plan (formerly
known as the SouthTrust Corporation Revised Retirement Income Plan) (the
"Pension Plan") in a form other than a straight life annuity, then the
Participant will receive the actuarial equivalent (using the actuarial
assumptions set forth in the Pension Plan) of the Annual Benefit in the same
form as elected by the Participant under the Pension Plan; and

         4.       This Participation Agreement hereby supercedes and replaces
any and all prior Participation Agreements entered into by the Participant and
SouthTrust.

                            [SIGNATURE PAGE FOLLOWS]
<PAGE>

         IN WITNESS WHEREOF, the Committee has caused this instrument to be
executed on its behalf of its behalf by the Chairman, SouthTrust Corporation,
and the Participant has hereunto affixed his hand, on the date or dates
indicated below.



         Date:
              -----------------

                                               SOUTHTRUST CORPORATION
ATTEST:



                                      By:
-------------------------------           -------------------------------------
Its Secretary                                      Its
                                                       ------------------------

IN PRESENCE OF:
                                          -------------------------------------
                                          Julian W. Banton, Participant

-------------------------------
<PAGE>

                             SOUTHTRUST CORPORATION
                      EXECUTIVE MANAGEMENT RETIREMENT PLAN
                            PARTICIPATION AGREEMENT

         Pursuant to the terms and provisions of the SouthTrust Corporation
Executive Management Retirement Plan (the "Plan"), the Human Resources
Committee of the Board of Directors of SouthTrust Corporation (the "Committee")
hereby designates the undersigned individual (the "Participant") as a
Participant in the Plan, and the Participant hereby agrees to become a
Participant in the Plan, subject to the terms and conditions set forth in the
Plan below:

         1.       The name of the Participant is Edward F. Schmidt;

         2.       The date as of which the Participant commences participation
in the Plan is January 1, 2002;

         3.       Except to the extent adjustments are made pursuant to Section
6.1(b) of the Plan, the Participant shall be entitled to receive an annual
benefit (the "Annual Benefit"), payable as set forth in Section 7 of the Plan,
in the amount of $60,000.00 (Sixty Thousand Dollars) as a straight life
annuity; however, if the Participant has elected to receive his retirement
benefits as provided under the SouthTrust Corporation Pension Plan (formerly
known as the SouthTrust Corporation Revised Retirement Income Plan) (the
"Pension Plan") in a form other than a straight life annuity, then the
Participant will receive the actuarial equivalent (using the actuarial
assumptions set forth in the Pension Plan) of the Annual Benefit in the same
form as elected by the Participant under the Pension Plan; and

         4.       This Participation Agreement hereby supercedes and replaces
any and all prior Participation Agreements entered into by the Participant and
SouthTrust.

                            [SIGNATURE PAGE FOLLOWS]
<PAGE>

         IN WITNESS WHEREOF, the Committee has caused this instrument to be
executed on its behalf of its behalf by the Chairman, SouthTrust Corporation,
and the Participant has hereunto affixed his hand, on the date or dates
indicated below.



         Date:
              -----------------

                                               SOUTHTRUST CORPORATION
ATTEST:



                                      By:
-------------------------------           -------------------------------------
Its Secretary                                      Its
                                                       ------------------------

IN PRESENCE OF:
                                          -------------------------------------
                                          Edward F. Schmidt, Participant

-------------------------------
<PAGE>

                             SOUTHTRUST CORPORATION
                      EXECUTIVE MANAGEMENT RETIREMENT PLAN
                            PARTICIPATION AGREEMENT

         Pursuant to the terms and provisions of the SouthTrust Corporation
Executive Management Retirement Plan (the "Plan"), the Human Resources
Committee of the Board of Directors of SouthTrust Corporation (the "Committee")
hereby designates the undersigned individual (the "Participant") as a
Participant in the Plan, and the Participant hereby agrees to become a
Participant in the Plan, subject to the terms and conditions set forth in the
Plan below:

         1.       The name of the Participant is Thomas H. Coley;

         2.       The date as of which the Participant commences participation
in the Plan is January 1, 2002;

         3.       Except to the extent adjustments are made pursuant to Section
6.1(b) of the Plan, the Participant shall be entitled to receive an annual
benefit (the "Annual Benefit"), payable as set forth in Section 7 of the Plan,
in the amount of $60,000.00 (Sixty Thousand Dollars) as a straight life
annuity; however, if the Participant has elected to receive his retirement
benefits as provided under the SouthTrust Corporation Pension Plan (formerly
known as the SouthTrust Corporation Revised Retirement Income Plan) (the
"Pension Plan") in a form other than a straight life annuity, then the
Participant will receive the actuarial equivalent (using the actuarial
assumptions set forth in the Pension Plan) of the Annual Benefit in the same
form as elected by the Participant under the Pension Plan; and

         4.       This Participation Agreement hereby supercedes and replaces
any and all prior Participation Agreements entered into by the Participant and
SouthTrust.

                            [SIGNATURE PAGE FOLLOWS]
<PAGE>

         IN WITNESS WHEREOF, the Committee has caused this instrument to be
executed on its behalf of its behalf by the Chairman, SouthTrust Corporation,
and the Participant has hereunto affixed his hand, on the date or dates
indicated below.



         Date:
              -----------------

                                               SOUTHTRUST CORPORATION
ATTEST:



                                      By:
-------------------------------           -------------------------------------
Its Secretary                                      Its
                                                       ------------------------

IN PRESENCE OF:
                                          -------------------------------------
                                          Thomas H. Coley, Participant

-------------------------------
<PAGE>

                             SOUTHTRUST CORPORATION
                      EXECUTIVE MANAGEMENT RETIREMENT PLAN
                            PARTICIPATION AGREEMENT

         Pursuant to the terms and provisions of the SouthTrust Corporation
Executive Management Retirement Plan (the "Plan"), the Human Resources
Committee of the Board of Directors of SouthTrust Corporation (the "Committee")
hereby designates the undersigned individual (the "Participant") as a
Participant in the Plan, and the Participant hereby agrees to become a
Participant in the Plan, subject to the terms and conditions set forth in the
Plan below:

         1.       The name of the Participant is Glenn Eubanks;

         2.       The date as of which the Participant commences participation
in the Plan is January 1, 2002;

         3.       Except to the extent adjustments are made pursuant to Section
6.1(b) of the Plan, the Participant shall be entitled to receive an annual
benefit (the "Annual Benefit"), payable as set forth in Section 7 of the Plan,
in the amount of $60,000.00 (Sixty Thousand Dollars) as a straight life
annuity; however, if the Participant has elected to receive his retirement
benefits as provided under the SouthTrust Corporation Pension Plan (formerly
known as the SouthTrust Corporation Revised Retirement Income Plan) (the
"Pension Plan") in a form other than a straight life annuity, then the
Participant will receive the actuarial equivalent (using the actuarial
assumptions set forth in the Pension Plan) of the Annual Benefit in the same
form as elected by the Participant under the Pension Plan; and

         4.       This Participation Agreement hereby supercedes and replaces
any and all prior Participation Agreements entered into by the Participant and
SouthTrust.

                            [SIGNATURE PAGE FOLLOWS]
<PAGE>

         IN WITNESS WHEREOF, the Committee has caused this instrument to be
executed on its behalf of its behalf by the Chairman, SouthTrust Corporation,
and the Participant has hereunto affixed his hand, on the date or dates
indicated below.



         Date:
              -----------------

                                               SOUTHTRUST CORPORATION
ATTEST:



                                      By:
-------------------------------           -------------------------------------
Its Secretary                                      Its
                                                       ------------------------

IN PRESENCE OF:
                                          -------------------------------------
                                          Glenn Eubanks, Participant

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