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**Effective      October 25, 2005**

**Copyright      © 2006**

**By      Clark Consulting, Inc.**

**All      Rights Reserved**

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**TABLE      OF CONTENTS**

|                |                                                                                                         | **Page** |
|---------------------|--------------------------------------------------------------------------------------------------------------|----------|
| **ARTICLE 1**  | **Definitions**                                                                                              | 1        |
|                |                                                                                                         |     |
| **ARTICLE 2**  | **Selection,                  Enrollment, Eligibility**                                                      | 5        |
|                |                                                                                                         |     |
| 2.1                 | **Selection                  by Committee**                                                                  | 5        |
| 2.2                 | **Enrollment                  and Eligibility Requirements; Commencement of                  Participation** | 5        |
|                |                                                                                                         |     |
| **ARTICLE 3**  | **Company                  Contribution Amounts/ Vesting/Crediting/Taxes**                                   | 6        |
|                |                                                                                                         |     |
| 3.1                 | **Company                  Contribution Amount**                                                             | 6        |
| 3.2                 | **Crediting                  of Amounts after** **Benefit                  Distribution**               | 6        |
| 3.3                 | **Vesting**                                                                                                  | 6        |
| 3.4                 | **Crediting/Debiting                  of Company Contribution Accounts**                                     | 7        |
| 3.5                 | **FICA                  and Other Taxes**                                                                    | 11       |
|                |                                                                                                         |     |
| **ARTICLE 4**  | **Unforeseeable                  Emergencies**                                                               | 11       |
|                |                                                                                                         |     |
| 4.1                 | **Unforeseeable                  Emergencies**                                                               | 11       |
|                |                                                                                                         |     |
| **ARTICLE 5**  | **Retirement                  Benefit**                                                                      | 12       |
|                |                                                                                                         |     |
| 5.1                 | **Retirement                  Benefit**                                                                      | 12       |
| 5.2                 | **Payment                  of Retirement Benefit**                                                           | 12       |
|                |                                                                                                         |     |
| **ARTICLE 6**  | **Termination                  Benefit**                                                                     | 12       |
|                |                                                                                                         |     |
| 6.1                 | **Termination                  Benefit**                                                                     | 12       |
| 6.2                 | **Payment                  of Termination Benefit**                                                          | 13       |
|                |                                                                                                         |     |
| **ARTICLE 7**  | **Disability                  Benefit**                                                                      | 13       |
|                |                                                                                                         |     |
| 7.1                 | **Disability                  Benefit**                                                                      | 13       |
| 7.2                 | **Payment                  of Disability Benefit**                                                           | 13       |
|                |                                                                                                         |     |
| **ARTICLE 8**  | **Death                  Benefit**                                                                           | 14       |
|                |                                                                                                         |     |
| 8.1                 | **Death                  Benefit**                                                                           | 14       |
| 8.2                 | **Payment                  of Death Benefit**                                                                | 14       |
|                |                                                                                                         |     |
| **ARTICLE 9**  | **Beneficiary                  Designation**                                                                 | 14       |
|                |                                                                                                         |     |
| 9.1                 | **Beneficiary**                                                                                              | 14       |
| 9.2                 | **Beneficiary                  Designation; Change; Spousal Consent**                                        | 14       |
| 9.3                 | **Acknowledgement**                                                                                          | 14       |
| 9.4                 | **No                  Beneficiary Designation**                                                              | 14       |
| 9.5                 | **Doubt                  as to Beneficiary**                                                                 | 15       |
| 9.6                 | **Discharge                  of Obligations**                                                                | 15       |
|                |                                                                                                         |     |
| **ARTICLE 10** | **Leave                  of Absence**                                                                        | 15       |
|                |                                                                                                         |     |
| 10.1                | **Paid                  Leave of Absence**                                                                   | 15       |
| 10.2                | **Unpaid                  Leave of Absence**                                                                 | 15       |
|                |                                                                                                         |     |
| **ARTICLE 11** | **Termination                  of Plan, Amendment or Modification**                                          | 15       |
|                |                                                                                                         |     |
| 11.1                | **Termination                  of Plan**                                                                     | 15       |
| 11.2                | **Amendment**                                                                                                | 16       |
| 11.3                | **Plan                  Agreement**                                                                          | 16       |
| 11.4                | **Effect                  of Payment**                                                                       | 16       |
|                |                                                                                                         |     |
| **ARTICLE 12** | **Administration**                                                                                           | 16       |
|                |                                                                                                         |     |
| 12.1                | **Committee                  Duties**                                                                        | 16       |
| 12.2                | **Administration                  Upon Change In Control**                                                   | 17       |
| 12.3                | **Agents**                                                                                                   | 17       |
| 12.4                | **Binding                  Effect of Decisions**                                                             | 17       |
| 12.5                | **Indemnity                  of Committee**                                                                  | 17       |
| 12.6                | **Employer                  Information**                                                                    | 17       |
|                |                                                                                                         |     |
| **ARTICLE 13** | **Other                  Benefits and Agreements**                                                           | 18       |
|                |                                                                                                         |     |
| 13.1                | **Coordination                  with Other Benefits**                                                        | 18       |
|                |                                                                                                         |     |
| **ARTICLE 14** | **Claims                  Procedures**                                                                       | 18       |
|                |                                                                                                         |     |
| 14.1                | **Presentation                  of Claim**                                                                   | 18       |
| 14.2                | **Notification                  of Decision**                                                                | 19       |
| 14.3                | **Review                  of a Denied Claim**                                                                | 19       |
| 14.4                | **Decision                  on Review**                                                                      | 19       |
| 14.5                | **Legal                  Action**                                                                            | 19       |
|                |                                                                                                         |     |
| **ARTICLE 15** | **Trust**                                                                                                    | 19       |
|                |                                                                                                         |     |
| 15.1                | **Establishment                  of the Trust**                                                              | 19       |
| 15.2                | **Interrelationship                  of the Plan and the Trust**                                             | 20       |
| 15.3                | **Distributions                  From the Trust**                                                            | 20       |
|                |                                                                                                         |     |
| **ARTICLE 16** | **Miscellaneous**                                                                                            | 20       |
|                |                                                                                                         |     |
| 16.1                | **Status                  of Plan**                                                                          | 20       |
| 16.2                | **Unsecured                  General Creditor**                                                              | 20       |
| 16.3                | **Employer’s                  Liability**                                                              | 20       |
| 16.4                | **Nonassignability**                                                                                         | 20       |
| 16.5                | **Not                  a Contract of Employment**                                                            | 21       |
| 16.6                | **Furnishing                  Information**                                                                  | 21       |
| 16.7                | **Terms**                                                                                                    | 21       |
| 16.8                | **Captions**                                                                                                 | 21       |
| 16.9                | **Governing                  Law**                                                                           | 21       |
| 16.10               | **Notice**                                                                                                   | 21       |
| 16.11               | **Successors**                                                                                               | 22       |
| 16.12               | **Spouse’s                  Interest**                                                                 | 22       |
| 16.13               | **Validity**                                                                                                 | 22       |
| 16.14               | **Incompetent**                                                                                              | 22       |
| 16.15               | **Court                  Order**                                                                             | 22       |
| 16.16               | **Distribution                  in the Event of Income Inclusion Under 409A**                                | 22       |
| 16.17               | **Deduction                  Limitation on Benefit Payment**                                                 | 23       |
| 16.18               | **Insurance**                                                                                                | 23       |
|                |                                                                                                         |     |
|                |                                                                                                         |     |
|                |                                                                                                         |     |

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*Master            Plan Document*

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**SUPPLEMENTAL      EXECUTIVE RETIREMENT PLAN OF THE**

**CLARK,      INC. LONG TERM INCENTIVE COMPENSATION PLAN**

**Purpose**

**ARTICLE      1**

**Definitions**

| 1.1   | “Annual                Installment Method” shall be an annual installment payment over the number                of years selected by the Participant* *in                accordance with this Plan, calculated as follows: (i) for the first                annual                installment, the Participant’s vested Company Contribution Account shall                be calculated as of the close of business on or around* *the                Participant’s Benefit Distribution Date, as determined by the Committee in                its sole discretion,** **and                (ii) for remaining annual installments, the Participant’s vested Company                Contribution Account shall be calculated on every anniversary of                such                calculation date, as applicable. Each annual installment shall be                calculated by multiplying this balance by a fraction, the numerator                of                which is one and the denominator of which is the remaining number                of                annual payments due the Participant. By way of example, if the Participant                elects a ten (10) year Annual Installment Method for the Retirement                Benefit, the first payment shall be 1/10 of the vested Company                Contribution Account, calculated as described in this definition.                The                following year, the payment shall be 1/9 of the vested Company                Contribution Account, calculated as described in this definition. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.2   | “Beneficiary”                shall mean one or more persons, trusts, estates or other entities,                designated in accordance with Article 9, that are entitled to receive                benefits under this Plan upon the death of a                Participant. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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| 1.3   | “Beneficiary                Designation Form” shall mean the form established from time to time by the                Committee that a Participant completes, signs and returns to the                Committee                to designate one or more                Beneficiaries. |
|-----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.4   | “Benefit                Distribution Date” shall mean the date that triggers distribution of a                Participant’s vested Company Contribution Account. A Participant’s Benefit                Distribution Date shall be determined upon the occurrence of any                one of                the following: |
|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a)   | If                the Participant Retires, his or her Benefit Distribution Date shall                be the                last day of the six-month period immediately following* *the                date on which the Participant Retires; provided, however, in the                event the                Participant changes his or her Retirement Benefit election in accordance                with Section 5.2(b),                his or her Benefit Distribution Date shall be postponed in accordance                with                Section 5.2(b);                or* * |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b)   | If                the Participant experiences a Termination of Employment, his or her                Benefit Distribution Date shall be the last day of the six-month                period                immediately following the date on which the Participant experiences                a                Termination of Employment; provided, however, in the event the Participant                changes his or her Termination Benefit election in accordance with                Section                6.2(b),                his or her Benefit Distribution Date shall be postponed in accordance                with                Section 6.2(b);                or |
|-----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c)   | The                date on which the Committee is provided with proof that is satisfactory                to                the Committee of the Participant’s death, if the Participant dies prior to                the complete distribution of his or her vested Company Contribution                Account; or |
|-----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d)   | The                date on which the Participant becomes Disabled. |
|-----------------|--------------------------------------------------------------------|

| 1.5   | “Board”                shall mean the board of directors of the                Company. |
|-----------------|-----------------------------------------------------------------------------------------------------|

| 1.6   | “Change                in Control” shall mean any “change in control event” as defined in                accordance with Code Section 409A and related Treasury guidance and                Regulations. |
|-----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.7   | “Claimant”                shall have the meaning set forth in Section 14.1. |
|-----------------|----------------------------------------------------------------------------------------------|

| 1.8   | “Code”                shall mean the Internal Revenue Code of 1986, as it may be amended                from                time to time. |
|-----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.9   | “Committee”                shall mean the committee described in                Article 12. |
|-----------------|--------------------------------------------------------------------------------------------------------------|

| 1.10   | “Company”                shall mean Clark, Inc., a Delaware corporation, and any successor                to all                or substantially all of the Company’s assets or                business. |
|------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.11   | “Company                Contribution Account” shall mean (i) the sum of the Participant’s Company                Contribution Amounts, plus (ii) amounts credited or debited to the                Participant’s Company Contribution Account in accordance with this Plan,                less (iii) all distributions made to the Participant or his or her                Beneficiary pursuant to this Plan that relate to the Participant’s Company                Contribution Account. The Company Contribution Account shall be a                bookkeeping entry only and shall be utilized solely as a device for                the                measurement and determination of the amounts to be paid to a Participant,                or his or her designated Beneficiary, pursuant to this                Plan. |
|------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.12   | “Company                Contribution Amount” shall mean, for any one Plan Year, the amount                determined in accordance with Section 3.1. |
|------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.13   | “Death                Benefit” shall mean the benefit set forth in                Article 8. |
|------------------|---------------------------------------------------------------------------------------------------------------|

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| 1.14   | “Disability”                or “Disabled” shall mean that a Participant is (i) unable to engage in any                substantial gainful activity by reason of any medically determinable                physical or mental impairment which can be expected to result in                death or                can be expected to last for a continuous period of not less than                12                months, or (ii) by reason of any medically determinable physical                or mental                impairment which can be expected to result in death or can be expected                to                last for a continuous period of not less than 12 months, receiving                income                replacement benefits for a period of not less than 3 months under                an                accident or health plan covering employees of the Participant’s Employer.                For purposes of this Plan, a Participant shall be deemed Disabled                if                determined to be totally disabled by the Social Security Administration,                or if determined to be disabled in accordance with the applicable                disability insurance program of such Participant’s Employer, provided that                the definition of “disability” applied under such disability insurance                program complies with the requirements in the preceding                sentence. |
|------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.15   | “Disability                Benefit” shall mean the benefit set forth in                Article 7. |
|------------------|--------------------------------------------------------------------------------------------------------------------|

| 1.16   | “Election                Form” shall mean the form, which may be in electronic format, established                from time to time by the Committee that a Participant completes,                signs and                returns to the Committee to make an election under the                Plan. |
|------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.17   | “Employee”                shall mean a person who is an employee of any                Employer. |
|------------------|--------------------------------------------------------------------------------------------------------------|

| 1.18   | “Employer(s)”                shall mean the Company and/or any of its subsidiaries (now in existence                or                hereafter formed or acquired) that have been selected by the Board                to                participate in the Plan and have adopted the Plan as a                sponsor. |
|------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.19   | “ERISA”                shall mean the Employee Retirement Income Security Act of 1974, as                it may                be amended from time to time. |
|------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.20   | “First                Plan Year” shall mean the period beginning October 25, 2005 and ending                December 31, 2005. |
|------------------|--------------------------------------------------------------------------------------------------------------------------------------------|

| 1.21   | “LTIC                Plan” shall mean the Clark, Inc. Long Term Incentive Compensation Plan,                effective October 25, 2005. |
|------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.22   | “Participant”                shall mean any Employee (i) who is selected to participate in the                Plan, (ii) who submits an executed Plan Agreement, Election Form and                Beneficiary Designation Form, which are accepted by the Committee,                and                (iii) whose Plan Agreement has not                terminated. |
|------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.23   | “Plan”                shall mean the Supplemental Executive Retirement Plan of the Clark,                Inc.                Long Term Incentive Compensation Plan, which shall be evidenced by                this                instrument and by each Plan Agreement, as they may be amended from                time to                time. |
|------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.24   | “Plan                Agreement” shall mean a written agreement, as may be amended from time to                time, which is entered into by and between an Employer and a Participant.                Each Plan Agreement executed by a Participant and the Participant’s                Employer shall provide for the entire benefit to which such Participant                is                entitled under the Plan; should there be more than one Plan Agreement,                the                Plan Agreement bearing the latest date of acceptance by the Employer                shall                supersede all previous Plan Agreements in their entirety and shall                govern                such entitlement. The terms of any Plan Agreement may be different                for any                Participant, and any Plan Agreement may provide additional benefits                not                set forth in the Plan or limit the benefits otherwise provided under                the                Plan; provided, however, that any such additional benefits or benefit                limitations must be agreed to by both the Employer and the                Participant. |
|------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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| 1.25   | “Plan                Year” shall, except for the First Plan Year, mean a period beginning on                January 1 of each calendar year and continuing through December 31                of such                calendar year. |
|------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.26   | “Retirement”,                “Retire(s)” or “Retired” shall mean separation from service with all                Employers for any reason other than death or Disability, as determined                in                accordance with Code Section 409A and related Treasury guidance and                Regulations, on or after the attainment of age sixty-two (62). |
|------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.27   | “Retirement                Benefit” shall mean the benefit set forth in                Article 5. |
|------------------|--------------------------------------------------------------------------------------------------------------------|

| 1.28   | “Stock”                shall mean Clark, Inc. common stock or any other equity securities                of the                Company designated by the                Committee. |
|------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.29   | “Terminate                the Plan”, “Termination of the Plan” shall mean a determination by an                Employer’s board of directors that (i) all                of                its Participants shall no longer be eligible to participate in the                Plan                and (ii) such Participants shall no longer be eligible to receive                company                contributions under this Plan. |
|------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.30   | “Termination                Benefit” shall mean the benefit set forth in                Article 6. |
|------------------|---------------------------------------------------------------------------------------------------------------------|

| 1.31   | “Termination                of Employment” shall mean the separation from service with all Employers,                voluntarily or involun-tarily, for any reason other than Retirement,                Disability or death, as determined in accordance with Code Section                409A                and related Treasury guidance and Regulations. |
|------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.32   | “Trust”                shall mean one or more trusts established by the Company in accordance                with Article 15. |
|------------------|-------------------------------------------------------------------------------------------------------------------------------------------|

| 1.33   | “Unforeseeable                Emergency” shall mean a severe financial hardship of the Participant or                his or her Beneficiary resulting from (i) an illness or accident of                the Participant or Beneficiary, the Participant’s or Beneficiary’s spouse,                or the Participant’s or Beneficiary’s dependent (as defined in Code                Section 152(a)), (ii) a loss of the Participant’s or Beneficiary’s                property due to casualty, or (iii) such other similar extraordinary                and unforeseeable circumstances arising as a result of events beyond                the                control of the Participant or the Participant’s Beneficiary, all as                determined in the sole discretion of the                Committee. |
|------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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**ARTICLE      2**

**Selection,      Enrollment, Eligibility**

| **2.1  ** | **Selection                by Committee**.                Participation in the Plan shall be limited to a select group of management                or highly compensated Employees. From that group, the Committee shall                select, in its sole discretion, those individuals who may actually                participate in this Plan.  |
|---------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| **2.2  ** | **Enrollment                and Eligibility Requirements; Commencement of                Participation**.  |
|---------------------|-----------------------------------------------------------------------------------------------------------------|

| (a)   | As                a condition to participation, each selected Employee who is eligible                to                participate in the Plan shall complete, execute and return to the                Committee a Plan Agreement, an Election Form and a Beneficiary Designation                Form, prior to the first day of such Plan Year, or such other earlier                deadline as may be established by the Committee in its sole discretion.                In                addition, the Committee shall establish from time to time such other                enrollment requirements as it determines, in its sole discretion,                are                necessary. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b)   | An                Employee who first becomes eligible to participate in this Plan after                the                first day of a Plan Year must complete, execute and return to the                Committee a Plan Agreement, an Election Form, and a Beneficiary                Designation Form within thirty (30) days after he or she first becomes                eligible to participate in the Plan, or within such other earlier                deadline                as may be established by the Committee, in its sole discretion, in                order                to participate for that Plan Year. In such event, such person’s                participation in this Plan shall not commence earlier than the date                determined by the Committee pursuant to Section 2.2(c).  |
|-----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c)   | Each                selected Employee who is eligible to participate in the Plan shall                commence participation in the Plan on the date that the Committee                determines, in its sole discretion, that the Employee has met all                enrollment requirements set forth in this Plan and required by the                Committee, including returning all required documents to the Committee                within the specified time period. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d)   | If                an Employee fails to meet all requirements contained in this Section                2.2                within the period required, that Employee shall not be eligible to                participate in the Plan during such Plan Year. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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**ARTICLE      3**

**Company      Contribution Amounts/**

**Vesting/Crediting/Taxes**

| **3.1  ** | **Company                Contribution Amount**.                For each Plan Year, an Employer may be required to credit amounts                to a                Participant’s Company Contribution Account (i) as addressed in employment                or other agreements entered into between the Participant and the                Employer                and/or (ii) as specified and approved by the Committee pursuant to                the                LTIC Plan.                The Company Contribution Amount described in this Section 3.1,                if any, shall be credited on a date or dates prescribed by such agreements                or a date or dates determined by the Committee, in its sole                discretion. |
|---------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| **3.2  ** | **Crediting                of Amounts after Benefit Distribution**.                Notwithstanding any provision in this Plan to the contrary, should                the                complete distribution of a Participant’s vested Company Contribution                Account occur prior to the date on which any portion of the Company                Contribution Amount would otherwise be credited to the Participant’s                Company Contribution Account, such amounts shall not be credited                to the                Participant’s Company Contribution Account, but shall be paid to the                Participant in a manner determined by the Committee, in its sole                discretion.  |
|---------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| **3.3  ** | **Vesting**.  |
|---------------------|--------------------|

| (a)   | A                Participant shall be vested in his or her Company Contribution Amount                in                accordance with the vesting schedule(s) set forth in his or her Plan                Agreement, employment agreement or any other agreement entered into                between the Participant and his or her Employer. If not addressed                in such                agreements or if related to any Company Contribution Amount approved                by                the Committee pursuant to the LTIC Plan, a Participant shall vest                in his                or her Company Contribution Amount in accordance with the schedule                set                forth below; provided, however, the Participant must remain in continuous                service of the Employer as an Employee through the last day of each                5-year                vesting period in order to receive vesting credit for the applicable                Company Contribution Amount. A new vesting schedule shall apply to                each                Company Contribution Amount credited to the Participant’s Company                Contribution Account. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  **Service                Period Elapsed following Crediting of Company Contribution                Amount**  |  **Vested                Percentage**  |
|-------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------|
| Less                than 5 years                                                                                        | 0%                                               |
| 5                years or more                                                                                          | 100%                                             |

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| (b)   | Notwithstanding                anything to the contrary contained in this Section 3.3,                in the event of a Change in Control, or upon a Participant’s death while                employed by an Employer or Disability, a Participant’s Company                Contribution Account shall immediately become 100% vested (if it                is not                already vested in accordance with the above vesting schedule).* *In                addition, subject to the terms set forth in Section 3.3(c), a                Participant’s Company Contribution Account shall immediately become 100%                vested upon a Participant’s Retirement. |
|-----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c)   | Notwithstanding                Section 3.3(b), if the Committee, in its sole discretion, determines                that                a Participant’s employment with the Company was terminated for “cause” (as                defined in the Participant’s employment agreement), the Participant’s                Company Contribution Account shall not become 100% vested (if it                is not                already vested in accordance with the vesting schedule in 3.3(a))                upon                such Participant’s Retirement. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d)   | If                a Participant has a tax gross-up provision under an employment agreement                with respect to excise taxes imposed under Code Sections 280G or                4999, any                such excise taxes relating to the vesting of a Participant’s Company                Contribution Account in connection with a Change in Control shall                be                grossed-up in the same way as other compensation and benefits are                grossed-up under the applicable employment agreement. If a Participant                does not have an applicable tax gross-up provision, any excise taxes                relating to the vesting of the Participant’s Company Contribution Account                in connection with a Change in Control shall be fully grossed-up                if the                vesting of a Participant’s Company Contribution Account by itself results                in “excess parachute payments” as defined in Code Section 280G. |
|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| **3.4  ** | **Crediting/Debiting                of Company Contribution Accounts**.                In accordance with, and subject to, the rules and procedures that                are                established from time to time by the Committee, in its sole discretion,                amounts shall be credited or debited to a Participant’s Company                Contribution Account in accordance with the following                rules: |
|---------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a)   | **Measurement                Funds**.                Subject to the restrictions found in Section 3.4(c)                below, the Participant may elect one or more of the measurement funds                selected by the Committee, in its sole discretion, which are based                on                certain mutual funds (the “Measurement Funds”), for the purpose of                crediting or debiting additional amounts to his or her Company                Contribution Account. As necessary, the Committee may, in its sole                discretion, discontinue, substitute or add a Measurement Fund. Each                such                action will take effect as of the first day of the first calendar                quarter                that begins at least thirty (30) days after the day on which the                Committee                gives Participants advance written notice of such change.  |
|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b)   | **Election                of Measurement Funds**.                Subject to the restrictions found in Section 3.4(c)                below*,*                a                Participant, in connection with his or her initial election in accordance                with Section 2.2 above, shall elect, on the Election Form, one or                more                Measurement Fund(s) (as described in Section 3.4(a)                above) to be used to determine the amounts to be credited or debited                to                his or her Company Contribution Account. If a Participant does not                elect                any of the Measurement Funds as described in the previous sentence,                the                Participant’s Company Contribution Account shall automatically be                allocated into the money market Measurement Fund. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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** **

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| (c)   | **Clark,                Inc. Stock Unit Fund Measurement Fund**. |
|-----------------|------------------------------------------------------------------|

| (i)   | A                Participant may elect to allocate any portion of his or her new company                contributions and/or re-allocate any portion of his or her Company                Contribution Account to the Clark, Inc. Stock Unit Fund Measurement                Fund.                Notwithstanding the preceding sentence, the Committee may postpone                any                allocation or re-allocation that would otherwise be made in a period                in                which the Participant would be prohibited (by Company policy or otherwise)                from acquiring equity securities of the Company until after such                period                has expired. However, a Participant may not re-allocate any portion                of his                or her Company Contribution Account from the Clark, Inc. Stock Unit                Fund                Measurement Fund to any other Measurement Fund. Amounts allocated                to the                Clark, Inc. Stock Unit Fund Measurement Fund shall only be distributable                in actual shares of Stock, except that a fractional share, if any,                shall                be paid in cash. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (ii)   | Any                stock dividends, cash dividends or other non-cash dividends that                would                have been payable on the Stock credited to a Participant’s Company                Contribution Account shall be credited to the Participant’s Company                Contribution Account in the form of additional shares of Stock and                shall                automatically and irrevocably be deemed to be re-invested in the                Clark,                Inc. Stock Unit Fund Measurement Fund until such amounts are distributed                to the Participant. The number of shares credited to the Participant                for a                particular stock dividend shall be equal to (a) the number of shares                of                Stock credited to the Participant’s Company Contribution Account as of the                payment date for such dividend in respect of each share of Stock,                multiplied by (b) the number of additional shares of Stock actually                paid                as a dividend in respect of each share of Stock. The number of shares                credited to the Participant for a particular cash dividend or other                non-cash dividend shall be equal to (a) the number of shares of Stock                credited to the Participant’s Company Contribution Account as of the                payment date for such dividend in respect of each share of Stock,                multiplied by (b) the fair market value of the dividend, divided                by (c)                the “fair market value” of the Stock on the payment date for such                dividend. |
|------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (iii)   | The                value of a Participant’s Company Contribution Account that has been                allocated to the Clark, Inc. Stock Unit Fund may be adjusted by the                Committee, in its sole discretion, to prevent dilution or enlargement                of a                Participant’s rights in the event of any reorganization, reclassification,                stock split, or other unusual corporate transaction or event which                affects                the value of the Stock. |
|-------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (iv)   | For                purposes of this Section 3.4,                the fair market value of the Stock shall be determined by the Committee                in                its sole discretion. |
|------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d)   | **Proportionate                Allocation**.                In making any election described in Section 3.4(b)                above, the Participant shall specify on the Election Form, in increments                of one percent (1%), the percentage of his or her Company Contribution                Account or Measurement Fund, as applicable, to be                allocated/reallocated. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| *(e)  * | **Crediting                or Debiting Method**.                The performance of each Measurement Fund (either positive or negative)                will be determined on a daily basis based on the manner in which                such                Participant’s Company Contribution Account has been hypothetically                allocated among the Measurement Funds by the                Participant. |
|-------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (f)   | **No                Actual Investment**.                Notwithstanding any other provision of this Plan that may be interpreted                to the contrary, the Measurement Funds are to be used for measurement                purposes only, and a Participant’s election of any such Measurement Fund,                the allocation of his or her Company Contribution Account thereto,                the                calculation of additional amounts and the crediting or debiting of                such                amounts to a Participant’s Company Contribution Account shall not                be                considered or construed in any manner as an actual investment of                his or                her Company Contribution Account in any such Measurement Fund. In                the                event that the Company or the Trustee (as that term is defined in                the                Trust), in its own discretion, decides to invest funds in any or                all of                the investments on which the Measurement Funds are based, no Participant                shall have any rights in or to such investments themselves. Without                limiting the foregoing, a Participant’s Company Contribution Account shall                at all times be a bookkeeping entry only and shall not represent                any                investment made on his or her behalf by the Company or the Trust;                the                Participant shall at all times remain an unsecured creditor of the                Company. |
|-----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| **3.5  ** | **FICA                and Other Taxes**.  |
|---------------------|------------------------------------------------|

| **(a)  ** | **Company                Contribution Account**.                When a Participant becomes vested in a portion of his or her Company                Contribution Account, the Participant’s Employer(s) shall (i) withhold                from cash compensation otherwise payable to the Participant that                portion                of the Participant’s share of FICA and other employment taxes on such                Company Contribution Amount or (ii) reduce the vested portion of                the                Participant’s Company Contribution Account, as applicable, if necessary,                to comply with this Section 3.5. |
|---------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| **(b)  ** | **Distributions**.                The Participant’s Employer(s), or the trustee of the Trust, shall withhold                from any payments made to a Participant under this Plan all Federal,                state                and local income, employment and other taxes required to be withheld                by                the Employer(s), or the trustee of the Trust, in connection with                such                payments, in amounts and in a manner to be determined in the sole                discretion of the Employer(s) and the trustee of the Trust. |
|---------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**ARTICLE      4**

**Unforeseeable      Emergencies **

| **4.1  ** | **Unforeseeable                Emergencies**.  |
|---------------------|-----------------------------------------------------|

| (a)   | If                the Participant experiences an Unforeseeable Emergency, the Participant                may petition the Committee to receive a partial or full payout from                the                Plan, subject to the provisions set forth below. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b)   | The                payout, if any, from the Plan shall not exceed the lesser of (i)                the                Participant’s vested Company Contribution Account, calculated as of the                close of business on or around the date on which the amount becomes                payable, as determined by the Committee in its sole discretion, or                (ii)                the amount necessary to satisfy the Unforeseeable Emergency, plus                amounts                necessary to pay Federal, state, or local income taxes or penalties                reasonably anticipated as a result of the distribution. Notwithstanding                the foregoing, a Participant may not receive a payout from the Plan                to the                extent that the Unforeseeable Emergency is or may be relieved (A)                through                reimbursement or compensation by insurance or otherwise or (B) by                liquidation of the Participant’s assets, to the extent the liquidation of                such assets would not itself cause severe financial hardship.  |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c)   | If                the Committee, in its sole discretion, approves a Participant’s petition                for payout from the Plan, the Participant shall receive a payout                from the                Plan within sixty (60) days of the date of such                approval. |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d)   | Notwithstanding                the foregoing, the Committee shall interpret all provisions relating                to a                payout under this Section 4.1                in                a manner that is consistent with Code Section 409A and related Treasury                guidance and Regulations. |
|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

**ARTICLE      5**

**Retirement      Benefit**

| **5.1  ** | **Retirement                Benefit**.                A                Participant who Retires shall receive, as a Retirement Benefit, his                or her                vested Company Contribution Account, calculated as of the close of                business on or around the Participant’s Benefit Distribution Date, as                determined by the Committee in its sole                discretion. |
|---------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| **5.2  ** | **Payment                of Retirement Benefit**.  |
|---------------------|---------------------------------------------------------|

| *(a)  * | A                Participant, in connection with his or her commencement of participation                in the Plan, shall elect on an Election Form to receive the Retirement                Benefit in a lump sum or pursuant to an Annual Installment Method                of up to                fifteen (15) years. If a Participant does not make any election with                respect to the payment of the Retirement Benefit, then such Participant                shall be deemed to have elected to receive the Retirement Benefit                in a                lump sum. |
|-------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b)   | A                Participant may change the form of payment of the Retirement Benefit                by                submitting an Election Form to the Committee in accordance with the                following criteria: |
|-----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (i)   | The                election to modify the Retirement Benefit shall have no effect until                at                least twelve (12) months after the date on which the election is                made; and |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (ii)   | The                first Retirement Benefit payment shall be delayed at least five (5)                years                from the Participant’s originally scheduled Benefit Distribution Date                described in Section 1.4(a). |
|------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c)   | The                lump sum payment shall be made, or installment payments shall commence,                no                later than sixty (60) days after the Participant’s Benefit Distribution                Date. Remaining installments, if any, shall be paid no later than                sixty                (60) days after each anniversary of the Participant’s Benefit Distribution                Date. |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**ARTICLE      6**

**Termination      Benefit**

| **6.1  ** | **Termination                Benefit**.                A                Participant who experiences a Termination of Employment shall receive,                as                a Termination Benefit, his or her vested Company Contribution Account,                calculated as of the close of business on or around the Participant’s                Benefit Distribution Date, as determined by the Committee in its                sole                discretion. |
|---------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| **6.2  ** | **Payment                of Termination Benefit**.  |
|---------------------|----------------------------------------------------------|

| *(a)  * | A                Participant, in connection with his or her commencement of participation                in the Plan, shall elect on an Election Form to receive the Termination                Benefit in a lump sum or pursuant to an Annual Installment Method                of up to                five (5) years. If a Participant does not make any election with                respect                to the payment of the Termination Benefit, then such Participant                shall be                deemed to have elected to receive the Termination Benefit in a lump                sum. |
|-------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b)   | A                Participant may change the form of payment of the Termination Benefit                by                submitting an Election Form to the Committee in accordance with the                following criteria: |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (i)   | The                election to modify the Termination Benefit shall have no effect until                at                least twelve (12) months after the date on which the election is                made;                and |
|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (ii)   | The                first Termination Benefit payment is delayed at least five (5) years                from                the Participant’s originally scheduled Benefit Distribution Date described                in Section 1.4(b). |
|------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c)   | The                lump sum payment shall be made, or installment payments shall commence,                no                later than sixty (60) days after the Participant’s Benefit Distribution                Date. Remaining installments, if any, shall be paid no later than                sixty                (60) days after each anniversary of the Participant’s Benefit Distribution                Date. |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**ARTICLE      7**

**Disability      Benefit**

| **7.1  ** | **Disability                Benefit**.                Upon                a Participant’s Disability, the Participant shall receive a Disability                Benefit, which shall be equal to the Participant’s vested Company                Contribution Account, calculated as of the close of business on or                around                the Participant’s Benefit Distribution Date, as selected by the Committee                in its sole discretion. |
|---------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| **7.2  ** | **Payment                of Disability Benefit**.** **The                Disability Benefit shall be paid to the Participant in a lump sum                payment                no later than sixty (60) days after the Participant’s Benefit Distribution                Date. |
|---------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

**ARTICLE      8**

**Death      Benefit**

| **8.1  ** | **Death                Benefit**.                The                Participant’s Beneficiary(ies) shall receive a Death Benefit upon the                Participant’s death which will be equal to the Participant’s vested                Company Contribution Account, calculated as of the close of business                on or                around the Participant’s Benefit Distribution Date, as selected by the                Committee in its sole discretion. |
|---------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| **8.2  ** | **Payment                of Death Benefit**.                The Death Benefit shall be paid to the Participant’s Beneficiary(ies) in a                lump sum payment no later than sixty (60) days after the Participant’s                Benefit Distribution Date. |
|---------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**ARTICLE      9**

**Beneficiary      Designation**

| **9.1  ** | **Beneficiary**.                Each Participant shall have the right, at any time, to designate                his or                her Beneficiary(ies) (both primary as well as contingent) to receive                any                benefits payable under the Plan to a beneficiary upon the death of                a                Participant. The Beneficiary designated under this Plan may be the                same as                or different from the Beneficiary designation under any other plan                of an                Employer in which the Participant                participates. |
|---------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| **9.2  ** | **Beneficiary                Designation; Change; Spousal Consent**.                A                Participant shall designate his or her Beneficiary by completing                and                signing the Beneficiary Designation Form, and returning it to the                Committee or its designated agent. A Participant shall have the right                to                change a Beneficiary by completing, signing and otherwise complying                with                the terms of the Beneficiary Designation Form and the Committee’s rules                and procedures, as in effect from time to time. If the Participant                names                someone other than his or her spouse as a Beneficiary, the Committee                may,                in its sole discretion, determine that spousal consent is required                to be                provided in a form designated by the Committee, executed by such                Participant’s spouse and returned to the Committee. Upon the acceptance by                the Committee of a new Beneficiary Designation Form, all Beneficiary                designations previously filed shall be canceled. The Committee shall                be                entitled to rely on the last Beneficiary Designation Form filed by                the                Participant and accepted by the Committee prior to his or her                death. |
|---------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| **9.3  ** | **Acknowledgment**.                No designation or change in designation of a Beneficiary shall be                effective until received and acknowledged in writing by the Committee                or                its designated agent. |
|---------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| **9.4  ** | **No                Beneficiary Designation**.                If a Participant fails to designate a Beneficiary as provided in                Sections 9.1,                9.2                and 9.3                above or, if all designated Beneficiaries predecease the Participant                or                die prior to complete distribution of the Participant’s benefits, then the                Participant’s designated Beneficiary shall be deemed to be his or her                surviving spouse. If the Participant has no surviving spouse, the                benefits                remaining under the Plan to be paid to a Beneficiary shall be payable                to                the executor or personal representative of the Participant’s                estate. |
|---------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| **9.5  ** | **Doubt                as to Beneficiary**.                If the Committee has any doubt as to the proper Beneficiary to receive                payments pursuant to this Plan, the Committee shall have the right,                exercisable in its discretion, to cause the Participant’s Employer to                withhold such payments until this matter is resolved to the Committee’s                satisfaction. |
|---------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| **9.6  ** | **Discharge                of Obligations**.                The payment of benefits under the Plan to a Beneficiary shall fully                and                completely discharge all Employers and the Committee from all further                obligations under this Plan with respect to the Participant, and                that                Participant’s Plan Agreement shall terminate upon such full payment of                benefits. |
|---------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**ARTICLE      10**

**Leave      of Absence**

| **10.1  ** | **Paid                Leave of Absence**.                If a Participant is authorized by the Participant’s Employer to take a                paid leave of absence from the employment of the Employer, and such                leave                of absence does not constitute a separation from service, as determined                by                the Committee in accordance with Code Section 409A and related Treasury                guidance and Regulations, the Participant shall continue to be considered                eligible for the benefits provided in Articles 4, 5, 6, 7 or 8 in                accordance with the provisions of those                Articles. |
|----------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| **10.2  ** | **Unpaid                Leave of Absence**.                If a Participant is authorized by the Participant’s Employer to take an                unpaid leave of absence from the employment of the Employer for any                reason, and such leave of absence does not constitute a separation                from                service, as determined by the Committee in accordance with Code Section                409A and related Treasury guidance and Regulations, such Participant                shall                continue to be eligible for the benefits provided in Articles 4,                5, 6, 7                and 8 in accordance with the provisions of those Articles. |
|----------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| **10.3  ** | **Leaves                Resulting in Separation from Service**.                In the event that a Participant’s leave of absence from his or her                Employer does constitute a separation from service, as determined                by the                Committee in accordance with Code Section 409A and related Treasury                guidance and Regulations, the Participant’s vested Company Contribution                Account shall be distributed to the Participant in accordance with                Article                5 or 6 of this Plan, as applicable. |
|----------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**ARTICLE      11**

**Termination      of Plan, Amendment or Modification**

| **11.1  ** | **Termination                of Plan**.                Although each Employer anticipates that it will continue the Plan                for an                indefinite period of time, there is no guarantee that any Employer                will                continue the Plan or will not terminate the Plan at any time in the                future. Accordingly, each Employer reserves the right to Terminate                the                Plan. In the event of a Termination of the Plan, the Measurement                Funds                available to Participants following the Termination of the Plan shall                be                comparable in number and type to those Measurement Funds available                to                Participants in the Plan Year preceding the Plan Year in which the                Termination of the Plan is effective. Following a Termination of                the Plan,                Participant Company Contribution Accounts shall remain in the Plan                until                the Participant becomes eligible for the benefits provided in Articles                4,                5, 6, 7 and 8 in accordance with the provisions of those                Articles.* *The                Termination of the Plan shall not adversely affect any Participant                or                Beneficiary who has become entitled to the payment of any benefits                under                the Plan as of the date of termination.  |
|----------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

** **

| **11.2  ** | **Amendment**. |
|----------------------|----------------|

| (a)   | Any                Employer may, at any time, amend or modify the Plan in whole or in                part                with respect to that Employer. Notwithstanding the foregoing, (i)                no                amendment or modification shall be effective to decrease the value                of a                Participant’s vested Company Contribution Account in existence at the time                the amendment or modification is made, and (ii) no amendment or                modification of this Section 11.2                or                Section 12.2                of                the Plan shall be effective. |
|-----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b)   | Notwithstanding                any provision of the Plan to the contrary, in the event that the                Company                determines that any provision of the Plan may cause amounts deferred                under                the Plan to become immediately taxable to any Participant under Code                Section 409A, and related Treasury guidance or Regulations, the Company                may (i) adopt such amendments to the Plan and appropriate policies                and                procedures, including amendments and policies with retroactive effect,                that the Company determines necessary or appropriate to preserve                the                intended tax treatment of the Plan benefits provided by the Plan                and/or                (ii) take such other actions as the Company determines necessary                or                appropriate to comply with the requirements of Code Section 409A,                and                related Treasury guidance or Regulations. |
|-----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| **11.3  ** | **Plan                Agreement**.                Despite the provisions of Sections 11.1                and 11.2                above, if a Participant’s Plan Agreement contains benefits or limitations                that are not in this Plan document, the Employer may only amend or                terminate such provisions with the written consent of the                Participant. |
|----------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| **11.4  ** | **Effect                of Payment**.                The full payment of the Participant’s vested Company Contribution Account                under Articles 4, 5, 6, 7 or 8 of the Plan shall completely discharge                all obligations to a Participant and his or her designated Beneficiaries                under this Plan, and the Participant’s Plan Agreement shall                terminate. |
|----------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**ARTICLE      12**

**Administration**

| **12.1  ** | **Committee                Duties**.                Except as otherwise provided in this Article 12, this Plan shall                be                administered by a Committee, which shall consist of the Board, or                such                committee as the Board shall appoint. Members of the Committee may                be                Participants under this Plan. The Committee shall also have the discretion                and authority to (i) make, amend, interpret, and enforce all                appropriate rules and regulations for the administra-tion of this                Plan,                and (ii) decide or resolve any and all ques-tions, including benefit                entitlement determinations and interpretations of this Plan, as may                arise                in connection with the Plan. Any individual serving on the Committee                who                is a Participant shall not vote or act on any matter relating solely                to                himself or herself. When making a determination or calculation, the                Committee shall be entitled to rely on information furnished by a                Participant or the Company. |
|----------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| **12.2  ** | **Administration                Upon Change In Control**.                Within one hundred and twenty (120) days following a Change in Control,                the individuals who comprised the Committee immediately prior to                the                Change in Control (whether or not such individuals are members of                the                Committee following the Change in Control) may, by written consent                of the                majority of such individuals, appoint an independent third party                administrator (the “Administrator”) to perform any or all of the                Committee’s duties described in Section 12.1                above, including without limitation, the power to determine any questions                arising in connection with the administration or interpretation of                the                Plan, and the power to make benefit entitlement determinations. Upon                and                after the effective date of such appointment, (i) the Company must                pay all                reasonable administrative expenses and fees of the Administrator,                and (ii)                the Administrator may only be terminated with the written consent                of the                majority of Participants with a Company Contribution Account in the                Plan                as of the date of such proposed                termination. |
|----------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| **12.3  ** | **Agents**.                In the administration of this Plan, the Committee or the Administrator,                as                applicable, may, from time to time, employ agents and delegate to                them                such administrative duties as it sees fit (including acting through                a duly                appointed representative) and may from time to time consult with                counsel. |
|----------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| **12.4  ** | **Binding                Effect of Decisions**.                The decision or action of the Committee or Administrator, as applicable,                with respect to any question arising out of or in connection with                the                administration, interpretation and application of the Plan and the                rules                and regulations promulgated hereunder shall be final and conclusive                and                binding upon all persons having any interest in the                Plan. |
|----------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| **12.5  ** | **Indemnity                of Committee**.                All Employers shall indemnify and hold harmless the members of the                Committee, any Employee to whom the duties of the Committee may be                delegated, and the Administrator against any and all claims, losses,                damages, expenses or liabilities arising from any action or failure                to act                with respect to this Plan, except in the case of willful misconduct                by the                Committee, any of its members, any such Employee or the                Administrator. |
|----------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| **12.6  ** | **Employer                Information**.                To enable the Committee and/or Administrator to perform its functions,                the                Company and each Employer shall supply full and timely information                to the                Committee and/or Administrator, as the case may be, on all matters                relating to the Plan, the Trust, the Participants and their Beneficiaries,                the Company Contribution Accounts of the Participants, the compensation                of                its Participants, the date and circum-stances of the Retirement,                Disability, death or Termination of Employment of its Participants,                and                such other pertinent information as the Committee or Administrator                may                reasonably require. |
|----------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

**ARTICLE      13**

**Other      Benefits and Agreements**

| **13.1  ** | **Coordination                with Other Benefits**.                The benefits provided for a Participant and Participant’s Beneficiary                under the Plan are in addition to any other benefits available to                such                Participant under any other plan or program for employees of the                Participant’s Employer. The Plan shall supplement and shall not supersede,                modify or amend any other such plan or program except as may otherwise                be                expressly provided. |
|----------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**ARTICLE      14**

**Claims      Procedures**

| **14.1  ** | **Presentation                of Claim**.                Any Participant or Beneficiary of a deceased Participant (such Participant                or Beneficiary being referred to below as a “Claimant”) may deliver to the                Committee a written claim for a determination with respect to the                amounts                distributable to such Claimant from the Plan. If such a claim relates                to                the contents of a notice received by the Claimant, the claim must                be made                within sixty (60) days after such notice was received by the                Claimant. All other claims must be made within 180 days of the date                on which the event that caused the claim to arise occurred. The claim                must                state with particularity the determination desired by the                Claimant. |
|----------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| **14.2  ** | **Notification                of Decision**.                The Committee shall consider a Claimant’s claim within a reasonable time,                but no later than ninety (90) days after receiving the claim. If                the                Committee determines that special circumstances require an extension                of                time for processing the claim, written notice of the extension shall                be                furnished to the Claimant prior to the termination of the initial                ninety                (90) day period. In no event shall such extension exceed a period                of                ninety (90) days from the end of the initial period. The extension                notice                shall indicate the special circumstances requiring an extension of                time                and the date by which the Committee expects to render the benefit                determination. The Committee shall notify the Claimant in                writing: |
|----------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a)   | that                the Claimant’s requested determination has been made, and that the claim                has been allowed in full; or |
|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------|

| (b)   | that                the Committee has reached a conclusion contrary, in whole or in part,                to                the Claimant’s requested determination, and such notice must set forth in                a manner calculated to be understood by the                Claimant: |
|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (i)   | the                specific reason(s) for the denial of the claim, or any part of                it; |
|-----------------|------------------------------------------------------------------------------------------------------|

| (ii)   | specific                reference(s) to pertinent provisions of the Plan upon which such                denial                was 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; |
|-------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (iv)   | an                explanation of the claim review procedure set forth in                Section 14.3                below; and |
|------------------|-------------------------------------------------------------------------------------------------------------------------------------|

----

| (v)   | a                statement of the Claimant’s right to bring a civil action under ERISA                Section 502(a) following an adverse benefit determination on                review. |
|-----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| **14.3  ** | **Review                of a Denied Claim**.                On or before sixty (60) days after receiving a notice from the                Committee that a claim has been denied, in whole or in part, a Claimant                (or the Claimant’s duly authorized representative) may file with the                Committee a written request for a review of the denial of the claim.                The                Claimant (or the Claimant’s duly authorized                representative): |
|----------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a)   | may,                upon request and free of charge, have reasonable access to, and copies                of,                all documents, records and other information relevant (as defined                in                applicable ERISA regulations) to the claim for                benefits; |
|-----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b)   | may                submit written comments or other documents;                and/or |
|-----------------|--------------------------------------------------------------------------------------|

| (c)   | may                request a hearing, which the Committee, in its sole discretion, may                grant. |
|-----------------|--------------------------------------------------------------------------------------------------------------|

| **14.4  ** | **Decision                on Review**.                The Committee shall render its decision on review promptly, and no                later                than sixty (60) days after the Committee receives the Claimant’s                written request for a review of the denial of the claim. If the Committee                determines that special circumstances require an extension of time                for                processing the claim, written notice of the extension shall be furnished                to the Claimant prior to the termination of the initial sixty (60)                day                period. In no event shall such extension exceed a period of sixty                (60)                days from the end of the initial period. The extension notice shall                indicate the special circumstances requiring an extension of time                and the                date by which the Committee expects to render the benefit determination.                In rendering its decision, the Committee shall take into account                all                comments, documents, records and other information submitted by the                Claimant relating to the claim, without regard to whether such information                was submitted or considered in the initial benefit determination.                The                decision must be written in a manner calculated to be understood                by the                Claimant, and it must contain: |
|----------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a)   | specific                reasons for the decision; |
|-----------------|---------------------------------------------------|

| (b)   | specific                reference(s) to the pertinent Plan provisions upon which the decision                was                based; |
|-----------------|----------------------------------------------------------------------------------------------------------------------------------------|

| (c)   | a                statement that the Claimant is entitled to receive, upon request                and free                of charge, reasonable access to and copies of, all documents, records                and                other information relevant (as defined in applicable ERISA regulations)                to                the Claimant’s claim for benefits;                and |
|-----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d)   | a                statement of the Claimant’s right to bring a civil action under ERISA                Section 502(a). |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------|

| **14.5  ** | **Legal                Action**.                A                Claimant’s compliance with the foregoing provisions of this                Article 14 is a mandatory prerequisite to a Claimant’s right to                commence any legal action with respect to any claim for benefits                under                this Plan.** ** |
|----------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**ARTICLE      15**

**Trust**

| **15.1  ** | **Establishment                of the Trust**.                In order to provide assets from which to fulfill the obligations                of the                Participants and their beneficiaries under the Plan, the Company                may                establish a trust by a trust agreement with a third party, the trustee,                to                which each Employer may, in its discretion, contribute cash or other                property, including securities issued by the Company, to provide                for the                benefit payments under the Plan, (the “Trust”). |
|----------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| **15.2  ** | **Interrelationship                of the Plan and the Trust**.                The provisions of the Plan and the Plan Agreement shall govern the                rights                of a Participant to receive distributions pursuant to the Plan. The                provisions of the Trust shall govern the rights of the Employers,                Participants and the creditors of the Employers to the assets transferred                to the Trust. Each Employer shall at all times remain liable to carry                out                its obligations under the Plan. |
|----------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| **15.3  ** | **Distributions                From the Trust**.                Each Employer’s obligations under the Plan may be satisfied with Trust                assets distributed pursuant to the terms of the Trust, and any such                distribution shall reduce the Employer’s obligations under this                Plan. |
|----------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**ARTICLE      16**

**Miscellaneous**

| **16.1  ** | **Status                of Plan**.                The Plan is intended to be a plan that is not qualified within the                meaning                of Code Section 401(a) and that “is unfunded and is maintained by an                employer primarily for the purpose of providing deferred compensation                for                a select group of management or highly compensated employees” within the                meaning of ERISA Sections 201(2), 301(a)(3) and 401(a)(1). The Plan                shall                be administered and interpreted (i) in a manner consistent with that                intent, and (ii) in accordance with Code Section 409A and related                Treasury                guidance and Regulations.  |
|----------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| **16.2  ** | **Unsecured                General Creditor**.                Participants and their Bene-ficiaries, heirs, successors and assigns                shall                have no legal or equitable rights, interests or claims in any property                or                assets of an Employer. For purposes of the payment of benefits under                this                Plan, any and all of an Employer’s assets shall be, and remain, the                general, unpledged unrestricted assets of the Employer. An Employer’s                obligation under the Plan shall be merely that of an unfunded and                unsecured promise to pay money in the                future. |
|----------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| **16.3  ** | **Employer’s                Liability**.                An Employer’s liability for the payment of benefits shall be defined only                by the Plan and the Plan Agreement, as entered into between the Employer                and a Participant. An Employer shall have no obliga-tion to a Participant                under the Plan except as expressly provided in the Plan and his or                her                Plan Agreement. |
|----------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| **16.4  ** | **Nonassignability**.                Neither a Participant nor any other person shall have any right to                commute, sell, assign, transfer, pledge, anticipate, mortgage or                otherwise                encumber, transfer, hypothecate, alienate or convey in advance of                actual                receipt, the amounts, if any, payable hereunder, or any part thereof,                which are, and all rights to which are expressly declared to be,                unassignable and non-transferable. No part of the amounts payable                shall,                prior to actual payment, be subject to seizure, attachment, garnishment                or                sequestration for the payment of any debts, judgments, alimony or                separate                maintenance owed by a Participant or any other person, be transferable                by                operation of law in the event of a Participant’s or any other person’s                bankruptcy or insolvency or be transferable to a spouse as a result                of a                property settlement or otherwise. |
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| **16.5  ** | **Not                a Contract of Employment**.                The terms and conditions of this Plan shall not be deemed to constitute                a                contract of employment between any Employer and the Participant.                Such                employment is hereby acknowledged to be an “at will” employment                relationship that can be terminated at any time for any reason, or                no                reason, with or without cause, and with or without notice, unless                expressly provided in a written employment agreement. Nothing in                this Plan                shall be deemed to give a Participant the right to be retained in                the                service of any Employer, as an Employee, or to interfere with the                right of                any Employer to discipline or discharge the Participant at any                time. |
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| **16.6  ** | **Furnishing                Information**.                A                Participant or his or her Beneficiary will cooperate with the Committee                by                furnishing any and all information requested by the Committee and                take                such other actions as may be requested in order to facilitate the                administration of the Plan and the payments of benefits hereunder,                including but not limited to taking such physical examinations as                the                Committee may deem necessary. |
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| **16.7  ** | **Terms**.                Whenever any words are used herein in the masculine, they shall be                construed as though they were in the feminine in all cases where                they                would so apply; and whenever any words are used herein in the singular                or                in the plural, they shall be construed as though they were used in                the                plural or the singular, as the case may be, in all cases where they                would                so apply. |
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| **16.8  ** | **Captions**.                The captions of the articles, sections and paragraphs of this Plan                are for                convenience only and shall not control or affect the meaning or                construction of any of its                provisions. |
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| **16.9  ** | **Governing                Law**.                Subject to ERISA, the provisions of this Plan shall be construed                and                interpreted according to the internal laws of the State of Illinois                without regard to its conflicts of laws                principles. |
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| **16.10  ** | **Notice**.                Any notice or filing required or permitted to be given to the Committee                under this Plan shall be sufficient if in writing and hand-delivered,                or                sent by registered or certified mail, to the address below:  |
|-----------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Clark,                Inc.                                                                    |
|-----------------------------------------------------------------------------------------------|
| Attn:                Chris Mitchell, Vice President, Corporate Human                Resources |
| 102                South Wynstone Park Drive                                                  |
| North                Barrington, Illinois 60010                                               |

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| **16.11  ** | **Successors**.                The provisions of this Plan shall bind and inure to the benefit of                the                Participant’s Employer and its successors and assigns and the Participant                and the Participant’s designated                Beneficiaries. |
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| **16.12  ** | **Spouse’s                Interest**.                The interest in the benefits hereunder of a spouse of a Participant                who                has predeceased the Participant shall automatically pass to the                Participant and shall not be transferable by such spouse in any manner,                including but not limited to such spouse’s will, nor shall such interest                pass under the laws of intestate                succession. |
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| **16.13  ** | **Validity**.                In case any provision of this Plan shall be illegal or invalid for                any                reason, said illegality or invalidity shall not affect the remaining                parts                hereof, but this Plan shall be construed and enforced as if such                illegal                or invalid provision had never been inserted                herein. |
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| **16.14  ** | **Incompetent**.                If the Committee determines in its discretion that a benefit under                this                Plan is to be paid to a minor, a person declared incompetent or to                a                person incapable of handling the disposition of that person’s property,                the Committee may direct payment of such benefit to the guardian,                legal                representative or person having the care and custody of such minor,                incompetent or incapable person. The Committee may require proof                of                minority, incompetence, incapacity or guardianship, as it may deem                appropriate prior to distribution of the benefit. Any payment of                a benefit                shall be a payment for the account of the Participant and the                Participant’s Beneficiary, as the case may be, and shall be a complete                discharge of any liability under the Plan for such payment                amount. |
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| **16.15  ** | **Court                Order**.                The Committee is authorized to comply with any court order in any                action                in which the Plan or the Committee has been named as a party, including                any action involving a determination of the rights or interests in                a                Participant’s benefits under the Plan. Notwithstanding the foregoing, the                Committee shall interpret this provision in a manner that is consistent                with Code Section 409A and other applicable tax law.  In                addition, if necessary to comply with a qualified domestic relations                order, as defined in Code Section 414(p)(1)(B), pursuant to which                a court                has determined that a spouse or former spouse of a Participant has                an                interest in the Participant’s benefits under the Plan, the Committee, in                its sole discretion, shall have the right to immediately distribute                the                spouse’s or former spouse’s interest in the Participant’s benefits under                the Plan to such spouse or former                spouse. |
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| **16.16  ** | **Distribution                in the Event of Income Inclusion Under 409A**.                If                any portion of a Participant’s Company Contribution Account under this                Plan is required to be included in income by the Participant prior                to                receipt due to a failure of this Plan to meet the requirements of                Code                Section 409A and related Treasury guidance or Regulations, the Participant                may petition the Committee or Administrator, as applicable, for a                distribution of that portion of his or her Company Contribution Account                that is required to be included in his or her income. Upon the grant                of                such a petition, which grant shall not be unreasonably withheld,                the                Participant’s Employer shall distribute to the Participant immediately                available funds in an amount equal to the portion of his or her Company                Contribution Account required to be included in income as a result                of the                failure of the Plan to meet the requirements of Code Section 409A                and                related Treasury guidance or Regulations, which amount shall not                exceed                the Participant’s unpaid vested Company Contribution Account under the                Plan. If the petition is granted, such distribution shall be made                within                ninety (90) days of the date when the Participant’s petition is granted.                Such a distribution shall affect and reduce the Participant’s benefits to                be paid under this Plan. |
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| **16.17  ** | **Deduction                Limitation on Benefit Payments**.                If an Employer reasonably anticipates that the Employer’s deduction with                respect to any distribution from this Plan would be limited or eliminated                by application of Code Section 162(m), then to the extent deemed                necessary                by the Employer to ensure that the entire amount of any distribution                from                this Plan is deductible, the Employer may delay payment of any amount                that                would otherwise be distributed from this Plan. Any amounts for which                distribution is delayed pursuant to this Section shall continue to                be                credited/debited with additional amounts in accordance with Section                3.4                above. The delayed amounts (and any amounts credited thereon) shall                be                distributed to the Participant (or his or her Beneficiary in the                event of                the Participant’s death) at the earliest date the Employer reasonably                anticipates that the deduction of the payment of the amount will                not be                limited or eliminated by application of Code Section                162(m). |
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| **16.18  ** | **Insurance**.                The Employers, on their own behalf or on behalf of the trustee of                the                Trust, and, in their sole discretion, may apply for and procure insurance                on the life of the Participant, in such amounts and in such forms                as the                Trust may choose. The Employers or the trustee of the Trust, as the                case                may be, shall be the sole owner and beneficiary of any such insurance.                The                Participant shall have no interest whatsoever in any such policy                or                policies, and at the request of the Employers shall submit to medical                examinations and supply such information and execute such documents                as may                be required by the insurance company or companies to whom the Employers                have applied for insurance. |
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