Exhibit 10a(3)

RETIREMENT INCOME REINSTATEMENT PLAN

FOR NON-REPRESENTED EMPLOYEES OF

PUBLIC SERVICE ENTERPRISE GROUP INCORPORATED

AND ITS AFFILIATES

Amended April 2007, Effective as of January
1, 2006

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TABLE OF CONTENTS

|           |  |                                             |  |   
|---------- |  | ------------------------------------------- |  | --
|Section 1. |  | Definitions                                 |  | 1 
|           |  |                                             |  |   
|Section 2. |  | Eligibility                                 |  | 4 
|           |  |                                             |  |   
|Section 3. |  | Supplemental
  Retirement Benefit           |  | 4 
|           |  |                                             |  |   
|Section 4. |  | Supplemental
  Surviving Spouse Benefit     |  | 5 
|           |  |                                             |  |   
|Section 5. |  | Administration
  of the Plan                |  | 6 
|           |  |                                             |  |   
|Section 6. |  | Claims
  Procedure and Status Determination |  | 7 
|           |  |                                             |  |   
|Section 7. |  | Amendment or
  Termination                  |  | 8 
|           |  |                                             |  |   
|Section 8. |  | General
  Provisions                        |  | 8 
|           |  |                                             |  |   
|Section 9. |  | Miscellaneous                               |  | 10

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RETIREMENT INCOME REINSTATEMENT PLAN
FOR NON-REPRESENTED EMPLOYEES OF
PUBLIC SERVICE ENTERPRISE GROUP INCORPORATED
AND ITS AFFILIATES

Public
Service Electric and Gas Company previously established effective January 1,
1995, and currently maintains the Retirement Income Reinstatement Plan for
Non-Represented Employees of Public Service Electric and Gas Company and its Affiliates.
Effective December 13, 1999, Public Service Electric and Gas Company
transferred sponsorship of the plan to the Company and renamed the plan the
Retirement Income Reinstatement Plan for Non-Represented Employees of Public
Service Enterprise Group Incorporated and its Affiliates. The Plan was further
amended, effective as of December 1, 2005, as set forth in this document to
conform with the requirements of The American Jobs Creation Act of 2004. This
Plan was established for the purpose of assisting in attracting and retaining a
stable pool of key managerial and professional talent and long-term key
employee commitment by providing certain supplemental retirement benefits for
certain of their employees who participate in the Pension Plan of Public
Service Enterprise Group Incorporated or the Cash Balance Pension Plan of
Public Service Enterprise Group Incorporated. This Plan is intended to
constitute an unfunded excess benefit plan as defined in Section 3(36) of
ERISA, to the extent it provides benefits that would be paid under the Pension
Plan of Public Service Enterprise Group Incorporated or the Cash Balance
Pension Plan of Public Service Enterprise Group Incorporated but for the
limitations of Section 415 of the Code, and an unfunded plan of deferred
compensation for a select group of management or highly compensated employees
for purposes of Title 1 of ERISA, to the extent it provides other benefits.

The
Plan was last amended, effective as of January 1, 2006, to conform the Plan to
certain requirements of Code Section 409A, as well as to provide for lump sum
payments of deminimus benefits and the terms contained herein shall supersede
all prior iterations of the Plan.

Section 1. Definitions

When
used herein, the words and phrases hereinafter defined shall have the following
meanings unless a different meaning is clearly required by the context of the
Plan:

1.1
Affiliate shall mean any organization which is a member of a controlled group
of corporations (as defined in Code Section 414(b), as modified by Code Section
415(h)) which includes the Company; or any trades or businesses (whether or not
incorporated) which are under common control (as defined in Code Section
414(c), as modified by Code Section 415(h)) with the Company; or a member of an
affiliated service group (as defined in Code Section 414(m)) which includes the
Company or any other entity required to be aggregated with the Company as
required by regulations promulgated pursuant to Code Section 414(o).

1.2
Beneficiary shall mean any person or persons selected by a Participant on a
form provided by the Company who may become eligible to receive the benefits
provided under this Plan in the event of such Participants death.

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1.3
Benefit Limitation shall mean the maximum annual benefit payable to a
Participant under the Pension Plan or the Cash Balance Plan in accordance with
Section 415 of the Code.

1.4
Board of Directors or Board shall mean the Board of Directors of the
Company.

1.5
Cash Balance Plan shall mean the Cash Balance Pension Plan of Public Service
Enterprise Group Incorporated (formerly known as the Cash Balance Pension Plan
of Public Service Electric and Gas Company) and each successor or replacement
plan.

1.6
Code shall mean the Internal Revenue Code of 1986, as amended, and as same
may be amended from time to time.

1.7
Company shall mean Public Service Enterprise Group Incorporated.

1.8
Compensation with respect to any Participant shall mean the average of the
total remuneration paid to such Participant for services rendered to the
Company, excluding i) the Companys cost for any public or private employee
benefit plan but including all elective contributions that are made by the
Company on behalf of a Participant which are not includable in income under
Code Sections 125 or 401(k) and ii) all awards to the Participant under the
Companys Long-Term Incentive Compensation Plan, for the five years ending at the
earlier of such Participants date of Retirement or attainment of normal
retirement age under the Pension Plan; provided, however, that for the purposes
of Sections 3 and 4 of the Plan, Compensation with respect to any Participant
who is also a participant in the Companys Management Incentive Compensation
Plan or the PSEG Power LLC Incentive Compensation Program for PSEG Energy
Resources and Trade LLC Employees shall not exceed the amount which is 150% of
the average annual base salary of the Participant for the applicable five-year
period.

1.9
Compensation Limitation shall mean the maximum amount of annual compensation
under Section 401(a)(17) of the Code that may be taken into account in any Plan
Year for benefit accrual purposes under the Pension Plan or the Cash Balance
Plan.

1.10
Employee shall mean any individual in the employ of the Company or a
Participating Affiliate who is not included within a unit of employees covered
by a collective bargaining agreement. The term Employee shall not include a
director of the Company or a Participating Affiliate who serves in no capacity
other than as a director, a consultant or independent contractor doing work for
the Company or a. Participating Affiliate or a person employed by a consultant
or independent contractor doing work for the Company or a Participating
Affiliate.

1.11
Employee Benefits Committee or Committee shall mean the Employee Benefits
Committee of the Company.

1.12
Employee Benefits Policy Committee shall mean the Employee Benefits Policy
Committee of Public Service Enterprise Group Incorporated.

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1.13
ERISA shall mean the Employee Retirement Income Security Act of 1974, as
amended, and as the same may be amended from time to time.

1.14
Normal Retirement Date shall mean the first day of the month coinciding with
or next following a Participants attainment of age 65 or the date at which the
sum of Participants age and years of service is equal to or exceeds 80.

1.15
Participant shall mean any Employee or former Employee of the Company or a
Participating Affiliate who meets the requirements of Subsection 2.1 of the
Plan.

1.16
Participating Affiliate shall mean any Affiliate of the Company which (a) is
the sponsor or a Participating Affiliate of the Pension Plan and/or the Cash
Balance Plan; (b) adopts this Plan with the approval of the Board of Directors;
(c) authorizes the Board of Directors and the Employee Benefits Committee to
act for it in all matters arising under or with respect to this Plan; and (d)
complies with such other terms and conditions relating to this Plan as may be
imposed by the Board of Directors.

1.17
Pension Plan shall mean the Pension Plan of Public Service Enterprise Group
Incorporated and each successor or replacement plan.

1.18
Pension Plan Retirement Benefit shall mean the aggregate annual benefit
payable to a Participant pursuant to the Pension Plan or the Cash Balance Plan,
as the case may be, by reason of the Participants termination of employment
with the Company and all Affiliates for any reason other than death.

1.19
Pension Plan Surviving Spouse Benefit shall mean the aggregate annual benefit
payable to the Surviving Spouse of a Participant pursuant to the Pension Plan
or the Cash Balance Plan, as the case may be, in the event of the death of the
Participant at any time prior to commencement of payment of the Participants
Pension Plan Retirement Benefit.

1.20
Plan shall mean this Retirement Income Reinstatement Plan for Non­Represented
Employees of Public Service Enterprise Group Incorporated and its Affiliates
(formerly known as the Retirement Income Reinstatement Plan for
Non-Represented Employees of Public Service Electric and Gas Company and Its
Affiliates).

1.21
Plan Year shall mean the calendar year.

1.22
Supplemental Retirement Benefit shall mean the benefit payable to a
Participant pursuant to this Plan by reason of the Participants termination of
employment with the Company and all Affiliates for any reason other than death.

1.23
Surviving Spouse shall mean a person who is married to a Participant at the
date of the Participants death.

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1.24
Supplemental Surviving Spouse Benefit shall mean the benefit payable to a
Surviving Spouse pursuant to this Plan.

Section 2. Eligibility

2.1
A Participant who is eligible to receive a Pension Plan Retirement Benefit, the
amount of which is reduced by reason of (a) the application of the limitations
on benefits imposed by application of any provisions of the Code, as in effect
on the date for commencement of the Pension Plan Retirement Benefit or as in
effect at any time thereafter, to the Pension Plan or the Cash Balance Plan, as
the case may be, or (b) the restrictions of Subsection 1.10(a) of the Pension
Plan or Subsection 1.1(m)(1) of the Cash Balance Plan, shall be eligible to
receive a Supplemental Retirement Benefit. The Surviving Spouse of a
Participant described in the preceding sentence who dies prior to commencement
of payment of his Pension Plan Retirement Benefit shall be eligible to receive
a Supplemental Surviving Spouse Benefit.

Section 3. Supplemental Retirement Benefit

3.1
The Supplemental Retirement Benefit payable to an eligible Participant shall be
equal to the excess of (a) over (b) where:

| |  |     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            
| |  | --- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| |  | (a) | is the
  amount of Pension Plan Retirement Benefit to which the Participant would have
  been entitled under the Pension Plan or the Cash Balance Plan, as the case
  may be, if such benefit were computed without regard to (i) the exclusion of
  any amounts pursuant to Subsection 1.10(a) of the Pension Plan, (ii) the
  exclusion of any amounts pursuant to Subsection 1.1(m)(1) of the Cash Balance
  Plan, (iii) the Benefit Limitation or (iv) the Compensation Limitation; and
| |  |     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            
| |  | (b) | is the
  amount of the Pension Plan Retirement Benefit actually payable to the
  Participant or payable to a third party on the Participants behalf under the
  Pension Plan or the Cash Balance Plan, as the case may be.                                                                                                                                                                                                                                                                

The
amounts described in (a) and (b) shall be computed as of the date of
termination of employment of the Participant with the Company and all
Affiliates in the form of a single life annuity payable over the lifetime of
the Participant only commencing on his Normal Retirement Date.

3.2. The
Supplemental Retirement Benefit payable to a Participant shall be paid in the
form of a life annuity in monthly installments or a joint and survivor annuity
in monthly installments based calculated in accordance with the form of benefit
option selected by the Participant; provided, however, that if the Participant
has selected a lump-sum distribution under the Pension Plan or the Cash Balance
Plan, distribution under this Plan shall be made in the form of a single
annuity

Provided,
further, that that if the vested Plan benefit of a participant or beneficiary,
as presently valued at the time of commencement of the payment of such benefit,
does not exceed

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$10,000, such
person shall be paid a lump sum distribution of the actuarial equivalent of
his/her vested plan benefit (in determining the amount of a lump sum
distribution under this Plan, actuarial equivalence shall be determined by
using the Applicable Mortality Table and the Applicable Interest Rate as those
terms are defined in Section 1 of the Pension Plan of Public Service Enterprise
Group Incorporated as then in effect).

3.3
Payment of the Supplemental Retirement Benefit to a Participant shall commence
on the same date as payment of the Pension Plan Retirement Benefit to the
Participant commences, except that for any Participant who is a Key Employee,
as defined in the Code, commencement of his/her benefit may not occur earlier
than six months following his/her Retirement.

3.4
A Supplemental Retirement Benefit which is payable in any form other than a
single life annuity over the lifetime of the Participant, or which commences at
any time prior to the Participants Normal Retirement Date, shall be the
actuarial equivalent of the Supplemental Retirement Benefit set forth in
Subsection 3.1 above as determined by the same actuarial adjustments as those
specified in the Pension Plan or the Cash Balance Plan, as the case may be, with
respect to determination of the amount of the Pension Plan Retirement Benefit
on the date for commencement of payment hereunder.

Section 4. Supplemental Surviving Spouse Benefit

4.1
If a Participant dies prior to commencement of payment of his Pension Plan
Retirement Benefit under circumstances in which a Pension Plan Surviving Spouse
Benefit is payable to his Surviving Spouse, then a Supplemental Surviving
Spouse Benefit shall be payable to his Surviving Spouse as hereinafter
provided. The Supplemental Surviving Spouse Benefit payable to a Surviving
Spouse shall be equal to the excess of (a) over (b) where:

| |  |     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         
| |  | --- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| |  | (a) | is the
  amount of Pension Plan Surviving Spouse Benefit to which the Surviving Spouse
  would have been entitled under the Pension Plan or the Cash Balance Plan, as
  the case may be, if such benefit were computed without regard to (i) the
  exclusion of any amounts pursuant to Subsection 1.10(a) of the Pension Plan,
  (ii) the exclusion of any amounts pursuant to Subsection 1.1(m)(1) of the
  Cash Balance Plan, (iii) the Benefit Limitation or (iv) the Compensation
  Limitation; and
| |  |     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         
| |  | (b) | is the
  amount of the Pension Plan Surviving Spouse Benefit actually payable to the
  Surviving Spouse under the Pension Plan or the Cash Balance Plan, as the case
  may be.                                                                                                                                                                                                                                                                                                                          

4.2
A Supplemental Surviving Spouse Benefit shall be payable over the lifetime of
the Surviving Spouse only in monthly installments commencing on the date for
commencement of payment of the Pension Plan Surviving Spouse Benefit to the
Surviving Spouse and terminating on the date of the last payment of the Pension
Plan Surviving Spouse Benefit made before the Surviving Spouses death.

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Provided,
further, that that if the vested Plan benefit of a Surviving Spouse, as presently
valued at the time of commencement of the payment of such benefit, does not
exceed $10,000, such person shall be paid a lump sum distribution of the
actuarial equivalent of his/her vested plan benefit (in determining the amount
of a lump sum distribution under this Plan, actuarial equivalence shall be
determined by using the Applicable Mortality Table and the Applicable Interest
Rate as those terms are defined in Section 1 of the Pension Plan of Public
Service Enterprise Group Incorporated as then in effect).

Section 5. Administration of the Plan

5.1
The Committee shall be the named fiduciary of this Plan responsible for the
general operation and administration of this Plan and for carrying out the
provisions thereof. The Committee shall have discretionary authority to
construe the terms of this Plan.

5.2
The Committee shall adopt such rules and procedures as it deems necessary and
advisable to administer this Plan and to transact its business. Subject to the
other requirements of this Section 5, the Committee may

| |  |     |                                                                                                                                                               
| |  | --- | --------------------------------------------------------------------------------------------------------------------------------------------------------------
| |  | (a) | employ
  agents to carry out non-fiduciary responsibilities;                                                                                                  
| |  |     |                                                                                                                                                               
| |  | (b) | employ
  agents to carry out fiduciary responsibilities (other than trustee
  responsibilities as defined in Section 405(c)(3) of ERISA);                     
| |  |     |                                                                                                                                                               
| |  | (c) | consult with
  counsel, who may be counsel to the Company or an Affiliate; and                                                                                
| |  |     |                                                                                                                                                               
| |  | (d) | provide for
  the allocation of fiduciary responsibilities (other than trustee
  responsibilities as defined in Section 405(c)(3) of ERISA) among its members.

However,
any action described in sub-paragraphs (b) or (d) of this subsection 5.2, and
any modification or rescission of any such action, may be effected by the
Committee only by a resolution approved by a majority of the Committee. The Committee
shall be entitled to rely conclusively upon all tables, valuations,
certificates, opinions and reports furnished by any actuary, accountant,
controller, counsel or other person employed or engaged by the Committee with
respect to this Plan.

5.3
The Committee shall keep written minutes of all its proceedings, which shall be
open to inspection by the Board of Directors. In the case of any decision by
the Committee with respect to a claim for benefits under this Plan, such Committee
shall include in its minutes a brief explanation of the grounds upon which such
decision was based.

5.4
In performing their duties, the members of the Committee shall act solely in
the interest of the Participants in this Plan and their Beneficiaries and

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| |  |     |                                                                                                                                                                                                                                                               
| |  | --- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| |  | (a) | for the
  exclusive purpose of providing benefits to Participants and their
  Beneficiaries;                                                                                                                                                                  
| |  |     |                                                                                                                                                                                                                                                               
| |  | (b) | with the
  care, skill, prudence and diligence under the circumstances then prevailing
  that a prudent person acting in like capacity and familiar with such matters
  would use in the conduct of an enterprise of alike character and with like
  aims; and
| |  |     |                                                                                                                                                                                                                                                               
| |  | (c) | in
  accordance with the documents and instruments governing this Plan insofar as
  such documents and instruments are consistent with the provisions of Title I
  of ERISA.                                                                                  

5.5
In addition to any other duties the Committee may have, the Committee shall
review the performance of all persons to whom the Committee shall have
delegated or allocated fiduciary duties pursuant to the provisions of this
Section 5.

5.6
The Company agrees to indemnify and reimburse, to the fullest extent permitted
by law, members of the Committee, directors and employees of the Company and
its Affiliates, and all such former members, directors and employees, for any
and all expenses, liabilities or losses arising out of any act or omission
relating to the rendition of services for or the management and administration
of this Plan.

5.7
No member of the Committee nor any delegate thereof shall be personally liable
by virtue of any contract, agreement or other instrument made or executed by
him or on his behalf in such capacity.

Section 6. Claims Procedure and Status Determination

6.1
Claims for benefits under this Plan and requests for a status determination
shall be filed in writing with the Company.

6.2
In the case of a claim for benefits, written notice shall be given to the
claiming Participant or Beneficiary of the disposition of such claim, setting
forth specific reasons for any denial of such claim in whole or in part. If a
claim is denied in whole or in part, the notice shall state that such
Participant or Beneficiary may, within sixty days of the receipt of such
denial, request in writing that the decision denying the claim be reviewed by
the Committee and provide the Committee with information in support of his
position by submitting such information in writing to the Secretary of the
Committee.

6.3
The Committee shall review each claim for benefits which has been denied in
whole or in part and for which such review has been requested and shall notify,
in writing, the affected Participant or Beneficiary of its decision and the
reasons therefor.

6.4
In the case of a request for status determination, written notice shall be
given to the requesting person within a reasonable time setting forth specific
reasons for the decision.

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Section 7. Amendment or Termination

7.1
The Company reserves the right to amend or terminate this Plan when, in the sole
opinion of the Company, such amendment or termination is advisable. Any such
amendment or termination shall be made pursuant to a resolution of the Board or
of the Employee Benefits Policy Committee and shall be effective as provided
for in such resolution.

7.2
No amendment or termination of this Plan shall directly or indirectly deprive
any current or former Participant, Beneficiary or Surviving Spouse of all or
any portion of any Supplemental Retirement Benefit or Supplemental Surviving
Spouse Benefit payment which has commenced prior to the effective date of such
amendment or termination or the right to which has accrued on such effective
date.

Section 8. General Provisions

8.1
This Plan at all times shall be entirely unfunded and no provision shall at any
time be made with respect to segregating any assets of the Company or any
Affiliate for payment of any benefits hereunder. No Participant, Beneficiary,
Surviving Spouse or any other person shall have any interest in any particular
assets of the Company or any Affiliate by reason of the right to receive a
benefit under this Plan and any such Participant, Beneficiary, Surviving Spouse
or other person shall have only the rights of a general unsecured creditor with
respect to any rights under the Plan.

8.2
Except as otherwise expressly provided herein, all terms and conditions of the
Pension Plan or the Cash Balance Plan, as the case may be, applicable to a
Pension Plan Retirement Benefit or a Pension Plan Surviving Spouse Benefit
shall also be applicable to a Supplemental Retirement Benefit or a Supplemental
Surviving Spouse Benefits payable hereunder. Any Pension Plan Retirement
Benefit or Pension Plan Surviving Spouse Benefit, or any other benefit payable
under the Pension Plan or the Cash Balance Plan, as the case may be, shall be
paid solely in accordance with the terms and conditions of the Pension Plan or
the Cash Balance Plan, as the case may be, and nothing in this Plan shall
operate or be construed in any way to modify, amend or affect the terms and
provisions of the Pension Plan or the Cash Balance Plan, as the case may be.

8.3
Nothing contained in this Plan shall constitute a guaranty by the Company or
any other entity or person that the assets of the Company or any.Affiliate will
be sufficient to pay any benefit hereunder.

8.4
No Participant or Surviving Spouse shall have any right to a benefit under this
Plan except in accordance with the terms of this Plan. Establishment of this
Plan shall not be construed to give any Participant the right to be retained in
the service of the Company or any Affiliate.

8.5
No interest of any person or entity in, or right to receive a benefit under,
this Plan shall be subject in any manner to sale, transfer, assignment,,
pledge, attachment, garnishment or other alienation or encumbrance of any kind;
nor any such interest or right to receive a benefits

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be taken,
either voluntarily or involuntarily, for the satisfaction of the debts of, or
other obligations or claims against, such person or entity, including claims
for alimony, support, separate maintenance and claims in bankruptcy
proceedings.

8.6
This Plan shall be construed and administered under the laws of the United
States and the State of New Jersey to the extent not superseded by Federal law.
This Plan is specifically intended to comply with the provisions of The
American Jobs Creation Act of 2004 (the AJCA) and Section 409A of the Code
and it shall automatically incorporate all applicable restrictions of the AJCA,
the Code and its related regulations, and the Company will amend the Plan to
the extent necessary to comply with those requirements. The timing under which
a Participant will have a right to receive any payment under this Plan will be
deemed to be automatically modified, and a Participants rights under the Plan
limited to conform to any requirements under, the AJCA, the Code and its
related regulations.

8.7
If the present value of any Supplemental Retirement Benefit or Supplemental
Surviving Spouse benefit under this Plan and all other plans required under the
Section 409A of the Code to be aggregated with this Plan, is less than $1,000,
the Company may pay the present value of such Benefit to the Participant or Surviving
Spouse in a single lump sum in lieu of any further benefit payments hereunder.

8.8
Actuarial assumptions to determine the present value of any benefit hereunder
shall be the same as used to determine the present value of benefits under the
Pension Plan or the Cash Balance Plan, as the case may be.

8.9
If any person entitled to a benefit payment under this Plan is deemed by the
Committee to be incapable of personally receiving and giving a valid receipt
for such payment, then, unless and until claim therefor shall have been made by
a duly appointed guardian or other legal representative of such person, the
Committee may provide for such payment or any part thereof to be made to any
other person or institution then contributing toward or providing for the care
and maintenance of such person. Any such payment shall be a payment for the
account of such person and a complete discharge of any liability of the Company
and this Plan therefor.

8.10
The Plan shall inure to the benefit of and be binding upon the Company, its
successors and assigns, including but not limited to any corporation which may
acquire all or substantially all of the Companys assets or businesses or with
or into or which the Company may be consolidated or merged.

8.11
Each Participant shall keep the Company informed of his current address and the
current address of his spouse. The Company shall not be obligated to search for
the whereabouts of any person. If the location of a Participant is not made known
to the Company within three (3) years after the date on which payment of the
Participants Supplemental Retirement Benefit may first be made, payment may be
made as though the Participant had died at the end of the three-year period.
If, within one additional year after such three-year period has elapsed, or,
within three years after the actual death of a Participant, the Company is
unable to locate any. Surviving Spouse of the Participant, then the Company
shall have no further obligation to pay

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any benefit
hereunder to such Participant or Surviving Spouse or any other person and such
benefit shall be irrevocably forfeited.

8.12
Notwithstanding any of the preceding provisions of this Plan, none of the
Company, the Committee or any individual acting as an employee or agent of the
Company or the Committee shall be liable to any Participant, former
Participant, Surviving Spouse or any other person for any claim, loss,
liability or expense incurred in connection with this Plan.

Section 9. Miscellaneous

9.1
As used herein, words in the masculine gender shall include the feminine and
the singular shall include the plural, and vice versa, unless otherwise
required by the context. Any headings used herein are included for ease of
reference only and are not to be construed so as to alter the terms hereof.

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