**Exhibit 10.25**

 

**Summary of Family Dollar Stores, Inc. Executive SupplementalDisability Income Plan**

 

  TheCompany has established a supplemental disability program for certain of the Company’sofficers, including each of the Company’s named executive officers.  The following Plan summary, which has beenprovided to each of the Company’s named executive officers, sets forth theterms of the Plan:

 

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| [FDO Inc. logo] |   | **Executive Supplemental Disability Plan** |
|-----------------|--------|--------------------------------------------|

 

 

|   |   | Coordinating  with the group LTD plan, the supplemental policy increases your disability  income insurance to a maximum of 75% of base salary. It includes the  following features:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |
|--------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
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|   | • | **Up to  $10,000 guaranteed standard issue benefit –**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |
|   |   | (subject  to MetLife’s risk management criteria)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |
|   |   | To  be eligible for guaranteed issue coverage, you must be actively employed for  a minimum of 90 days prior to the application date. You do not have to prove  you are insurable to qualify for monthly supplemental disability benefits up  to $10,000.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |
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|   | • | **Own  Occupation protection to age 65 –**Your Regular Occupation Period continues until you  reach age 65.  If, during the Regular  Occupation Period, you become unable to perform the material and substantial  duties of your ***regular occupation,*** you are  considered disabled and are entitled to benefits.  To be considered disabled, you must not be  gainfully employed and must be under the care of a physician.  After the Regular Occupation Period  expires, if you become unable to perform the material and substantial duties  of ***any occupation*** for which you are  or have become reasonably qualified by your education, training or  experience, you are considered disabled and are entitled to benefits. |
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|   | • | **Non-cancelable/guaranteed  renewable to age 65, or 5 policy years if later –**As long as your premiums are paid on time, MetLife  cannot change your coverage or your premium rates until the first premium due  date on or after your 65th birthday, or on the fifth policy  anniversary if later.                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
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|   | • | **Conditionally  Renewable after age 65** – Your policy, without riders, is renewable after age 65 or after the  5th policy anniversary if later, so long as you are employed at  least 30 hours per week and are not disabled. If Total Disability starts  before your 75th birthday, the maximum benefit will be 2 years. If  Total Disability starts after your 75th birthday, the maximum  benefit period will be 12 months. Premiums will be based on your attained age  on each policy anniversary. Premium rates are subject to change.                                                                                                                                                                                                            |
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|   | • | **Residual  Disability Rider –**If you lose  20% or more of your income due to a disability and you are under the care of  a licensed physician, this rider pays you a percentage of your monthly benefit  proportional to your loss of income.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |
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|   | • | **Presumptive  Total Disability Rider** **–**With this rider, if an injury or  sickness causes you complete and irreparable loss of your sight, speech,  hearing, or the use of 2 limbs, you will be considered totally and  permanently disabled even if you are able to work.                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |
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|   | • | **Catastrophic  Disability Benefit**– This rider  provides an additional monthly benefit if the insured’s condition meets the  criteria for a catastrophic disability as defined in the rider. The  catastrophic disability benefit amount applied for can be up to 100% of the  insured’s monthly income minus any other DI coverage inforce or applied for.  In no event can the monthly benefit, under this rider, exceed $8,000. For the  first 12 months that a catastrophic disability benefit is paid, the  catastrophic benefit will be paid at 120%.                                                                                                                                                                                   |
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|   | • | **Cost  of Living Adjustment (COLA Rider) –**This rider increases your monthly benefit annually  (while you remain disabled), after you have been disabled for 12 months, by a  compound rate of 1% to 7%, based on the Consumer Price Index (CPI).                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |
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|   | • | **Mental  Disorder and/or Substance Use Disorder Benefits (MNAD) payable to Age 65  Rider**– This MNAD  Rider extends the benefit period for disabilities caused by Mental Disorder  and/or Substance Use Disorder to Age 65 (or the longest period available by  age).                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
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|   | • | **90 Day  Elimination Period** – Disability  benefits will be payable after 90 days of disability.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
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|   | • | **Portable  –**You can take** **your policy with you if you leave Family Dollar.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |

 

 

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