**NONQUALIFIED        DEFERRED COMPENSATION PLAN**

**BASIC        PLAN DOCUMENT**

**SPONSORED        BY**

**GREAT-WEST        LIFE & ANNUITY **

**INSURANCE        COMPANY**

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|          |   | **TABLE                    OF CONTENTS**                   |     |
|---------------|--------|------------------------------------------------------------|----------|
|          |   |                                                       |     |
| **Paragraph** |   |                                                       | **Page** |
| PREAMBLE      |   |                                                       | 4        |
|          |   |                                                       |     |
|          |   | ARTICLE                    I                               |     |
|          |   | DEFINITIONS                                                |     |
|          | 1.1    | Administrator                                              | 5        |
|          | 1.2    | Adoption                    Agreement                      | 5        |
|          | 1.3    | Beneficiary                                                | 5        |
|          | 1.4    | Benefit                    Distribution Date               | 5        |
|          | 1.5    | Change                    Of Control                       | 5        |
|          | 1.6    | Code                                                       | 5        |
|          | 1.7    | Company                                                    | 5        |
|          | 1.8    | Compensation                                               | 6        |
|          | 1.9    | Deferral                    Agreement                      | 6        |
|          | 1.1    | Deferrals                                                  | 6        |
|          | 1.1    | Distributable                    Event                     | 6        |
|          | 1.1    | Effective                    Date                          | 6        |
|          | 1.1    | Employee                                                   | 6        |
|          | 1.1    | Entry                    Date                              | 6        |
|          | 1.2    | ERISA                                                      | 6        |
|          | 1.2    | Independent                    Contractor                  | 6        |
|          | 1.2    | Nonqualified                    Deferred Compensation Plan | 6        |
|          | 1.2    | Participant                                                | 6        |
|          | 1.2    | Plan                                                       | 7        |
|          | 1.2    | Plan                    Year                               | 7        |
|          | 1.2    | Separation                    From Service                 | 7        |
|          | 1.2    | Sponsor                                                    | 7        |
|          | 1.2    | Trust                                                      | 7        |
|          | 1.2    | Trustee                                                    | 7        |
|          | 1.3    | Valuation                    Date                          | 7        |
|          |   |                                                       |     |
|          |   |                                                       |     |
|          |   | ARTICLE                    II                              |     |
|          |   | ELIGIBILITY                    REQUIREMENTS                |     |
|          | 2.1    | Participation                                              | 8        |
|          | 2.2    | Change                    In Classification Of Employment  | 8        |
|          | 2.3    | Computation                    Period                      | 8        |
|          | 2.4    | Service                    With Controlled Groups          | 8        |

**1**

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| **Paragraph** |   |                                                 | **Page** |
|---------------|--------|------------------------------------------------------|----------|
|          |   |                                                 |     |
|          |   | ARTICLE                    III                       |     |
|          |   | DEFERRAL                    OF COMPENSATION          |     |
|          | 3.1    | Deferral                    Agreement                | 9        |
|          | 3.2    | Deferral                    Procedure                | 9        |
|          | 3.3    | Amending                    Deferral Agreement       | 9        |
|          | 3.4    | Termination                    Of Deferral Agreement | 9        |
|          |   |                                                 |     |
|          |   |                                                 |     |
|          |   | ARTICLE                    IV                        |     |
|          |   | COMPANY                    CONTRIBUTIONS             |     |
|          | 4.1    | Employee                    Deferrals                | 10       |
|          | 4.2    | Company                    Contributions             | 10       |
|          | 4.3    | Responsibility                    For Contributions  | 10       |
|          |   |                                                 |     |
|          |   |                                                 |     |
|          |   | ARTICLE                    V                         |     |
|          |   | PARTICIPANT                    ACCOUNTS AND REPORTS  |     |
|          | 5.1    | Establishment                    Of Accounts         | 11       |
|          | 5.2    | Account                    Maintenance               | 11       |
|          | 5.3    | Valuation                    Of Assets               | 11       |
|          | 5.4    | Allocation                    Methods                | 11       |
|          | 5.5    | Valuation                    Date                    | 11       |
|          | 5.6    | Participant                    Statements            | 12       |
|          | 5.7    | Investment                    Preference             | 12       |
|          |   |                                                 |     |
|          |   |                                                 |     |
|          |   | ARTICLE                    VI                        |     |
|          |   | BENEFIT                    AND DISTRIBUTIONS         |     |
|          | 6.1    | Benefits                                             | 13       |
|          | 6.2    | Distributable                    Event               | 13       |
|          | 6.3    | Form                    Of Payment                   | 13       |
|          | 6.4    | Payment                    Medium                    | 13       |
|          | 6.5    | Death                    Benefits                    | 13       |
|          | 6.6    | Beneficiary                    Designation           | 13       |
|          | 6.7    | No                    Beneficiary                    | 13       |
|          | 6.8    | Hardship                    Withdrawal               | 14       |
|          | 6.9    | Claims                    Procedure                  | 14       |

**2**

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| **Paragraph** |   |                                                             | **Page** |
|---------------|--------|------------------------------------------------------------------|----------|
|          |   |                                                             |     |
|          |   | ARTICLE                    VII                                   |     |
|          |   | VESTING                                                          |     |
|          | 7.1    | Deferrals                                                        | 15       |
|          | 7.2    | Company                    Contributions                         | 15       |
|          | 7.3    | Computation                    Period                            | 15       |
|          | 7.4    | Assets                                                           | 15       |
|          |   |                                                             |     |
|          |   |                                                             |     |
|          |   | ARTICLE                    VIII                                  |     |
|          |   | PLAN                    ADMINISTRATION                           |     |
|          | 8.1    | Administrator                                                    | 16       |
|          | 8.2    | Duties                    Of Administrator                       | 16       |
|          | 8.3    | Delegation                    of Duties and Employment of Agents | 16       |
|          | 8.4    | Company                                                          | 16       |
|          | 8.5    | Administrative                    Fees And Expenses              | 16       |
|          |   |                                                             |     |
|          |   |                                                             |     |
|          |   | ARTICLE                    IX                                    |     |
|          |   | AMENDMENT                    AND TERMINATION                     |     |
|          | 9.1    | Amendment                                                        | 17       |
|          | 9.2    | Termination                                                      | 17       |
|          |   |                                                             |     |
|          |   |                                                             |     |
|          |   | ARTICLE                    X                                     |     |
|          |   | MISCELLANEOUS                                                    |     |
|          | 10     | Total                    Agreement                               | 18       |
|          | 10     | Employment                    Rights                             | 18       |
|          | 10     | Governing                    Law                                 | 18       |

**3**

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**PREAMBLE**

**4**

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**ARTICLE        I**

**DEFINITIONS**

| 1.1    | **Administrator**                               | The                  individual or committee appointed by the Company to administer                  the Plan as                  provided herein. If no such appointment is made, the Compensation                  Committee ("Compensation Committee") of the Board Of Directors                  ("Board")                  of the Company shall serve as the Administrator. If a Compensation                  Committee does not exist and no appointment is made by the Board,                  then the                  Board shall serve as the Administrator.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |
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| 1.2    | **Adoption                  Agreement**              | The                  written instrument attached to this Basic Plan Document by which                  the                  Company elects to establish a Nonqualified Deferred Compensation                  Plan for                  eligible Employees.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |
|   |                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
| 1.3    | **Beneficiary**                                      | An                  individual, individuals or trust designated by the Participant                  to receive                  his or her benefit in the event of the Participant's death. If                  more than                  one Beneficiary survives the Participant, payments shall be made                  equally                  to all such beneficiaries, unless otherwise provided in the Beneficiary                  form. Nothing herein shall prevent the Participant from designating                  primary and secondary Beneficiaries. Elections made by a Participant                  as to                  the timing and method of payment shall be binding on all Beneficiaries                  named by the Participant in his or her most recently dated Beneficiary                  form.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
|   |                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
| 1.4    | **Benefit                  Distribution Date**  | The                  date on which a Participant's benefit is payable under the Plan                  as elected                  by the Participant in his or her initial Deferral Agreement. A                  Participant                  shall have no right to receive payment of his or her benefit until                  reaching his or her Benefit Distribution Date.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
| 1.5    | **Change                  of Control**               | The                  purchase or other acquisition by any person, entity or group of                  persons                  within the meaning of Section 13(d) or 14(d) of the Securities                  Exchange                  Act of 1934 ("ACT"), (or any comparable successor provisions, of                  beneficial ownership within the meaning of Rule 13d-3 promulgated                  under                  the ACT) of 50 percent or more of either the outstanding shares                  of common                  stock or the combined voting power of the Company's then outstanding                  voting securities entitled to vote generally, or the approval by                  the                  stockholders of the Company of a reorganization, merger or consolidation,                  in each case, with respect to which persons who were stockholders                  of the                  Company immediately prior to such reorganization, merger or consolidation                  do not, immediately thereafter, own more than 50 percent of the                  combined                  voting power entitled to vote generally in the election of directors                  of                  the reorganized, merged or consolidated Company's then outstanding                  securities, or a liquidation or dissolution of the Company or of                  the sale                  of all or substantially all of the Company's assets. |
|   |                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
| 1.6    | **Code**                                        | The                  Internal Revenue Code of 1986, as amended.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |
|   |                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
| 1.7    | **Company**                                          | The                  corporation or business entity which adopts this Plan and any member                  of a                  controlled group of corporations, all commonly controlled trades                  or                  businesses and any member of an affiliated service                  group.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |

**5**

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| 1.8    | **Compensation**                                        | The                  total annual remuneration for employment or contracted services                  received                  by an Employee or Independent Contractor from the Company and reported                  on                  his or her tax Form W-2 and/or Form 1099. Compensation shall also                  include                  amounts deferred under this Plan, under a Cafeteria Plan described                  at Code                  §125, under a Cash or Deferred Plan described at Code §401(k) and under                  any other Company plan qualified under Code §401(a) sponsored by the                  Company. Compensation shall only include remuneration earned while                  an                  individual is an Employee or Independent Contractor of the                  Company. |
|--------|--------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   |                                                         |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |
| 1.9    | **Deferral                  Agreement**                      | The                  written agreement between an eligible Employee and the Company                  to defer                  receipt by the Employee of Compensation not yet earned. Such agreement                  shall state the deferral amount or percentage of Compensation to                  be                  withheld from the Employee's Compensation and shall state the date                  on                  which the agreement is effective as provided at paragraph                  3.1.                                                                                                                                                                                                                                                                                                                                            |
|   |                                                         |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |
| 1.10   | **Deferrals**                                                | That                  portion of an Employee's Compensation which is deferred under the                  terms of                  this Plan. Such Compensation cannot yet have been earned by the                  Employee                  at the time of the Participant's election to defer.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |
|   |                                                         |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |
| 1.11   | **Distributable                  Event**                     | An                  event described at paragraph 6.2 of the Plan and at section II                  (a) of the                  Adoption Agreement which will cause a Participant's benefit to                  be payable                  on the next following Benefit Distribution Date.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |
|   |                                                         |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |
| 1.12   | **Effective                  Date**                          | The                  date on which the Company's Nonqualified Deferred Compensation                  Plan or any                  amendment thereto becomes effective.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |
|   |                                                         |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |
| 1.13   | **Employee**                                                 | Any                  person employed by the Company as a common-law employee, a member                  of the                  board of directors of the Company or an Independent Contractor                  deemed to                  be an Employee by the Company. Individuals who shall be treated                  as                  Employees for purposes of the Plan shall be limited to those individuals                  who are within a select group of management or highly compensated                  Employees as determined by the Company in its sole                  discretion.                                                                                                                                                                                                                                                    |
|   |                                                         |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |
| 1.14   | **Entry                  Date**                         | The                  date on which an Employee commences participation in the Plan as                  determined by the Company in the Adoption Agreement.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
|   |                                                         |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |
| 1.15   | **ERISA**                                               | The                  Employee Retirement Income Security Act of 1974, as                  amended.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |
|   |                                                         |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |
| 1.16   | **Independent                  Contractor**                  | Individuals                  other than partnerships or corporations who perform services on                  a                  contractual basis for the Company. Independent Contractors may                  be deemed                  to be Employees for purposes of this Plan if so elected by the                  Company.                  The Company, in its sole discretion shall determine whether any                  Independent Contractor shall be treated as an Employee for purposes                  of                  this Plan only.                                                                                                                                                                                                                                                                                                 |
|   |                                                         |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |
| 1.17   | **Nonqualified                  Deferred Compensation Plan** | A                  plan, within the meaning of ERISA §201(2), the purpose of which is to                  permit a select group of management or highly compensated Employees                  to                  defer receipt of a portion of their Compensation to a future                  date.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
|   |                                                         |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |
| 1.18   | **Participant**                                              | An                  Employee who is eligible to participate in the Plan and who is                  currently                  deferring a portion of his or her Compensation under this Plan.                  An                  Employee or former Employee who has previously deferred a portion                  of his                  or her Compensation under the Plan and who is still entitled to                  the                  payment of benefits under the Plan shall also be considered a                  Participant.                                                                                                                                                                                                                                                                                                                |
|   |                                                         |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |

**6**

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| 1.19   | **Plan**                                     | The                  Nonqualified Deferred Compensation Plan established by the Company                  under                  the terms of this document and the accompanying Adoption                  Agreement.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |
|--------|----------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   |                                         |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |
| 1.20   | **Plan                  Year**               | The                  12 consecutive month period as defined by the Company in the Adoption                  Agreement.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
|   |                                         |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |
| 1.21   | **Separation                  From Service** | The                  severance of an Employee's employment with the Company for any                  reason.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |
|   |                                         |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |
| 1.22   | **Sponsor**                                  | Great-West                  Life & Annuity Insurance Company and any member of the same controlled                  group of corporations and any corporation which succeeds the Sponsor                  by                  merger or by acquisition of assets. The term Sponsor shall apply                  to the                  organization sponsoring this document and supporting administrative                  forms                  and not to a Company who may utilize this document and supporting                  administrative forms to establish a nonqualified deferred compensation                  plan for a select group of management or highly compensated                  employees. |
|   |                                         |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |
| 1.23   | **Trust**                                    | The                  agreement, if any, between the Company and the Trustee under which                  any                  assets delivered by the Company to the Trustee will be held and                  managed.                  Any assets held under the terms of the Trust shall be the exclusive                  property of the Company and shall be subject to creditor claims                  of the                  Company. Participants shall have no right secured or unsecured                  to any                  assets held under the terms of any Trust which may be adopted by                  the                  Company.                                                             |
|   |                                         |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |
| 1.24   | **Trustee**                                  | If                  the Company adopts a Trust, the institution named by the Company                  in the                  Trust agreement and any corporation which succeeds the Trustee                  by merger                  or by acquisition of assets.                                                                                                                                                                                                                                                                                                                                                                                                                                                      |
|   |                                         |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |
| 1.25   | **Valuation                  Date**     | The                  date on which Participant accounts are valued                  hereunder.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |
|   |                                         |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |

**7**

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**ARTICLE        II**

**ELIGIBILITY        REQUIREMENTS**

| 2.1    | **Participation**                                   | Employees                  who meet the eligibility requirements set forth in the Adoption                  Agreement                  on the date the Plan is adopted by the Company shall become Participants                  on the first Entry Date following the date of adoption. Employees                  who have                  not satisfied the eligibility requirements on the date of adoption                  shall                  become Participants on the Entry Date immediately following the                  date on                  which they meet the eligibility requirements. In the event an Employee                  who                  is not a member of the eligible class of Employees becomes a member                  of the                  eligible class, such Employee shall be eligible to participate                  on the                  Entry Date immediately following the date on which the Employee                  becomes a                  member of the eligible class. |
|--------|-----------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   |                                                |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |
| 2.2    | **Change                  In Classification**       | **Of                  Employment**                  In                  the event a Participant becomes ineligible to participate because                  he or                  she is no longer a member of an eligible class of Employees, such                  Employee                  shall be eligible to participate on the Entry Date which follows                  his or                  her return to an eligible class of Employees.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |
|   |                                                |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |
| 2.3    | **Computation                  Period**             | To                  determine Years of Service for eligibility purposes, the 12-consecutive                  month period shall commence on the date on which an Employee first                  performs an hour of service for the Company and each anniversary                  thereof,                  such that the succeeding 12-consecutive month period commences                  with the                  employee's first anniversary of employment and so on. An hour of                  service                  shall mean each hour for which an Employee is paid, or entitled                  to                  payment, for the performance of duties for the Company.                                                                                                                                                                                                                                                                                                                                                 |
|   |                                                |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |
| 2.4    | **Service                  With Controlled Groups** | All                  Years of Service with other members of a controlled group of corporations                  as defined in Code §414(b), trades or businesses under common control as                  defined in Code §414(c), or members of an affiliated service group as                  defined in Code §414(m), if applicable, shall be credited for purposes of                  determining an Employee's eligibility to participate.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |
|   |                                                |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |

**8**

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**ARTICLE        III**

**DEFERRAL        OF COMPENSATION**

| 3.1    | **Deferral                  Agreement**                | The                  Participant shall enter into a Deferral Agreement with the Company                  authorizing the deferral of all or part of the Participant's Compensation                  under the Plan earned during the period in which the individual                  participates in the Plan. The Participant's initial Deferral Agreement                  shall also specify the Distributable Events elected by the Participant,                  the Benefit Distribution Date and the method of payment with respect                  to                  benefits attributable to Deferrals and Company contributions, if                  any, for                  the initial Plan Year and for each year thereafter. The election                  with                  respect to the Distributable Events, Benefit Distribution Date                  and method                  of payment shall be irrevocable. Employees who are eligible on                  the date                  the Plan is first effective may make an election to defer Compensation                  within 30 days after the Effective Date for services to be performed                  after                  the Entry Date. Notwithstanding the preceding sentence, if the                  Company                  selects the Effective Date as the Entry Date, then the period of                  service                  upon which deferrals are based shall commence after the date the                  Employee                  elects to defer Compensation. Employees first becoming eligible                  after the                  date the Plan is effective may make an election to defer Compensation                  within 30 days after the Participant's initial eligibility date                  for                  services to be performed after the Entry Date. In no event shall                  an                  Employee be permitted to defer Compensation for a pay period which                  has                  commenced prior to the date on which the Deferral Agreement is                  signed by                  the Employee and accepted by the Plan Administrator. |
|--------|--------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   |                                                   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
| 3.2    | **Deferral                  Procedure**                | Upon                  receipt of a properly completed and executed Deferral Agreement                  the                  Administrator shall notify the Company to commence to withhold                  that                  portion of the Participant's Compensation specified in the agreement.                  In                  no event will the Participant be permitted to defer more than the                  amount                  specified by the Company in the Adoption Agreement.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |
|   |                                                   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
| 3.3    | **Amending                  Deferral Agreement**       | A                  Participant shall be permitted to increase or decrease his or her                  Deferrals by filing an amended Deferral Agreement with the Administrator.                  Such amendment shall be effective on the first day of the first                  payroll                  period beginning in the next Plan Year which follows the date on                  which the                  amended Deferral Agreement is received by the Administrator.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
|   |                                                   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
| 3.4    | **Termination                  Of Deferral Agreement** | The                  Company shall have the right to terminate an Employee's Deferral                  Agreement                  at any time upon written notice to the Employee. Such termination                  shall be                  effective on the first day of the next payroll period. In no event                  shall                  the Company have the right to terminate a Deferral Agreement with                  respect                  to Compensation already deferred. The Employee shall also have                  the right                  to terminate his or her Deferral Agreement upon written notice                  to the Plan                  Administrator. Such termination shall be effective on the first                  day of the                  first payroll period following the date on which the termination                  request                  is received by the Administrator. The Employee shall not be permitted                  to                  reinstate a new Deferral Agreement until the first day of the first                  payroll period beginning in the Plan Year following the date on                  which a                  new Deferral Agreement is received by the                  Administrator.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |
|   |                                                   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |

**9**

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**ARTICLE        IV**

**COMPANY        CONTRIBUTIONS**

| **4.1** | **Employee                  Deferrals**                     | The                  Company shall remit to the Sponsor all amounts deferred by Participants                  under the terms of their respective Deferral Agreements. Remittance                  by the                  Company shall be made as soon as administratively feasible following                  the                  date the funds were withheld from the Participant's Compensation                  but not                  later than 30 business days following the date withheld. Any such                  Deferrals held by the Sponsor plus any investment earnings thereon                  shall                  remain the property of the Company and shall be subject to the                  claims of                  the Company's creditors.                                                                               |
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| 4.2     | **Company                  Contributions**             | The                  Company may make matching or discretionary contributions under                  the terms                  of the Plan. The amount of the Company's discretionary and/or matching                  contribution and the formula(s) for allocating such contributions                  will be                  determined by the Company in the Adoption Agreement. Any such                  contributions plus the earnings thereon shall be held by the Sponsor                  but                  shall remain the property of the Company and shall be subject to                  the                  claims of the Company's creditors. Any Company contributions made                  under                  the Plan shall be transmitted to the Sponsor not less frequently                  than                  annually. |
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| 4.3     | **Responsibility                  For Contributions**  | The                  Company has sole responsibility for remitting Employee Deferrals                  and                  Company contributions to the Sponsor for investment purposes. The                  Sponsor                  shall have no duty to determine whether the funds paid by the Company                  are                  the correct amount or that they have been transmitted in a timely                  manner.                                                                                                                                                                                                                                                                                                                                                                                                                   |

**10**

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**ARTICLE        V**

**PARTICIPANT        ACCOUNTS AND REPORTS**

| 5.1 | **Establishment                  Of Accounts** | The                  Administrator shall establish and maintain individual bookkeeping                  accounts                  on behalf of each Participant for purposes of determining each                  Participant's benefits under the Plan. Separate sub-accounts shall                  be                  established for each Participant with respect to each different                  type of                  contribution elected in the Adoption Agreement and for each Deferral                  Agreement for which a different form of payment has been                  elected.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |
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| 5.2 | **Account                  Maintenance**       | The                  Administrator shall add to each Participant's account amounts                  representing:·  Employee                  Deferrals,·  Company                  matching or discretionary contributions, if applicable, and·  Investment                  earnings. The                  Administrator shall deduct from each Participant's account amounts                  representing: ·  Distributions                  to the Participant or Beneficiary,·  Investment                  losses, ·  and                  any Plan administrative expenses attributable to the Participant's                  benefits under the Plan which are paid from funds accumulated by                  the                  Company in trust or otherwise as a reserve to satisfy the Company's                  liabilities under the Plan.Investment                  gains and losses will be determined on the basis of the performance                  of                  investment preferences selected by each Participant from such investment                  options as the Administrator may specify from time to time. The                  Administrator is not, however, required to purchase or hold assets                  in                  accordance with Participant’s investment preferences. |
| 5.3 | **Valuation                  Of Assets**       | As                  of each Valuation Date the Administrator shall determine the fair                  market                  value of all assets held under the terms of the Plan. The valuation                  of                  securities traded on a national securities exchange shall be determined                  on                  the last business day of the valuation period in accordance with                  established or recognized industry standards for the valuation                  of traded                  securities.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |
| 5.4 | **Allocation                  Methods**        | The                  Company's matching contributions, if any, shall be allocated to                  eligible                  Participants in accordance with the allocation formula elected                  in the                  Adoption Agreement. The Company's discretionary contribution, if                  any,                  shall be allocated to eligible Participants in proportion to each                  such                  Participant's compensation as a percentage of the aggregate compensation                  paid to all such eligible Participants. If contributions are invested                  in                  mutual funds or other pooled investment fund, the investment earnings                  allocable to each such Participant shall be determined by reference                  to the                  value of the applicable fund.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |
| 5.5 | **Valuation                  Date**            | The                  fair market value of each Participant's benefit shall be valued                  as of the                  close of business each day on which securities are traded on a                  national                  securities market. If securities are not traded on a national securities                  market on the last day of the Plan Year, the fair market value                  of a                  Participant's benefit shall be determined with reference to the                  value of                  securities traded on the most recent day preceding the last day                  of the                  Plan Year.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |

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| 5.6    | **Participant                  Statements** | The                  Administrator shall provide Participants with a statement of his                  or her                  account showing the additions to and deductions from such account                  during                  the period from the last statement date. Such statement shall be                  provided                  to Participants as soon as administratively feasible following                  the end of                  each Plan Year and on such other dates as agreed to by the Company                  and the                  party maintaining Participant records.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |
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| 5.7    | **Investment                  Preference**  | Participants                  shall have the opportunity to state an investment preference with                  respect                  to the deemed investment of any Deferrals and Company contributions,                  if                  any, made under the terms of the Plan. A Participant's investment                  preference shall be communicated to the Administrator by completion                  and                  delivery to the Administrator of an Investment Preference Form.                  The                  Administrator shall review the form and may in its sole discretion                  implement a program reflecting the Participant's investment preferences.                  Participants shall indicate their initial investment preferences                  by filing                  an investment preference form with the Administrator prior to the                  date on                  which Deferrals commence under the terms of the Participant's Deferral                  Agreement. Participants shall have the opportunity to change their                  investment preferences with respect to new Deferrals and/or Company                  contributions or with respect to existing balances upon notice                  to the                  Administrator. The Administrator shall establish procedures with                  respect                  to the implementation of Participant investment                  preferences. |
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**12**

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**ARTICLE        VI**

**BENEFITS        AND DISTRIBUTIONS**

| 6.1 | **Benefits**                                 | A                  Participant's or Beneficiary's benefit payable under the Plan shall                  be                  determined by reference to the value of the Participant's account                  balance                  at the time of a Distributable Event under the Plan. Such benefit                  shall be                  payable from the general assets of the Company which includes any                  assets                  which may be held in trust. In no event will a Participant's right                  to a                  benefit under this Plan give such Participant a secured right or                  claim on                  any assets held by the Company in trust or otherwise as a reserve                  to                  fulfill its obligations under the Plan.                                                                                                                                    |
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| 6.2 | **Distributable                  Event**     | A                  Participant's benefit shall be payable as soon as administratively                  feasible following the Benefit Distribution Date coincident with                  or first                  following the earlier of the date on which: ·  The                  Participant attains his or her normal retirement age,·  The                  Participant terminates employment with the Company,·  The                  Participant dies,·  Termination                  of the Plan under paragraph 9.2 hereof, and·  As                  otherwise provided in the Adoption Agreement and elected by a Participant                  in his or her initial Deferral Agreement.No                  Participant shall have any right to receive payment of his or her                  benefit                  under the Plan prior to the Benefit Distribution Date. |
| 6.3 | **Form                  Of Payment**         | A                  Participant's benefit shall be paid in the form of a lump sum or                  installments. If Installment payments are elected by the Participant                  in                  his or her initial Deferral Election, such payments shall be made                  monthly.                  Installment payments may be made over any period not in excess                  of the life                  expectancy of the Participant. Any election of a form of payment                  must be                  made by the Participant prior to the first period of service for                  which a                  Deferral is made. Such election as to the form of payment may not                  be                  changed in connection with a future deferral election by a Participant                  under the Plan.                                                                                           |
| 6.4 | **Payment                  Medium**          | The                  Company will pay a lump sum distribution in the form of cash or                  in kind.                  Installment payments will always be paid in the form of                  cash.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |
| 6.5 | **Death                  Benefits**          | Any                  benefit to which a deceased Participant is entitled to receive                  under the                  Plan shall be paid to such Participant's Beneficiary. Such death                  benefit                  shall be paid in accordance with the form of payment elected by                  the                  Participant as provided at paragraph 6.3 hereof.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |
| 6.6 | **Beneficiary                  Designation** | A                  Participant shall have the right to designate a beneficiary and                  to amend                  or revoke such designation at any time in writing. Such designation,                  amendment or revocation shall be effective upon receipt by the                  Administrator. A Participant may not, however, change his or her                  Beneficiary (during the life of such Beneficiary) after payments                  have                  commenced under an installment payment option where the payment                  period is                  determined by reference to the life expectancy of the Participant                  and his                  or her Beneficiary.                                                                                                                                                                                                                               |
| 6.7 | **No                  Beneficiary**          | If                  no beneficiary designation is made, or if the beneficiary designation                  is                  held invalid, or if no Beneficiary survives the Participant and                  benefits                  remain payable following the Participant's                  death, the Administrator shall direct that payment of benefits                  be made                  to                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |

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|   |                                     | the                  person or persons in the first category in which there is a survivor.                  The                  categories of successor beneficiaries, in order, are as                  follows:·  Participant's                  spouse;·  Participant's                  descendants, per stirpes (eligible descendants shall be determined                  by the                  intestacy laws of the state in which the decedent is                  domiciled);·  Participant's                  parents;·  Participant's                  brothers and sisters (including step brothers and step sisters);                  and                  ·  Participant's                  estate.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
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| 6.8    | **Hardship                  Withdrawal** | A                  Participant who incurs a severe financial hardship resulting from                  an                  unforeseeable emergency may request a hardship withdrawal of his                  or her                  Deferrals and Company related vested contributions and any investment                  earnings on such Deferrals or Company related contributions. An                  unforeseeable emergency is a sudden and unexpected illness or accident                  of                  the Participant or of a dependent of the Participant as defined                  at Code                  §152(a), a loss of the Participant's property due to casualty, or                  other                  similar extraordinary and unforeseeable circumstances arising as                  a result                  of events beyond the control of the participant. An unforeseeable                  emergency shall not include the need to send a Participant's child                  to                  college or the desire to purchase a home. A request for hardship                  withdrawal shall be submitted to the Administrator in writing and                  shall                  describe the unforeseeable emergency and state that the hardship                  cannot be                  relieved:·  Through                  reimbursement or compensation by insurance or otherwise,·  By                  liquidation of the Participant's assets, to the extent the liquidation                  of                  such assets would not itself cause severe financial hardship,                  or·  By                  cessation of deferrals under the Plan.·  The                  Administrator shall have sole authority to approve or disapprove                  of all                  requests for a hardship withdrawal and shall evaluate all such                  requests in                  a uniform and nondiscriminatory manner.                                                                                                                                                                                                                                                                                        |
| 6.9    | **Claims                  Procedure**    | A                  Participant or authorized representative of a Participant may submit                  to                  the Plan Administrator questions regarding Plan Benefits or a claim                  for                  the payment of benefits. Such question or claim may be submitted                  at any                  time. However, benefit payments shall not be payable earlier than                  permitted by the Plan. The Administrator shall accept, reject,                  or modify                  such request and shall send written notification to the Participant                  setting forth the response of the Administrator and in the case                  of a                  denial or modification the Administrator shall:state                  the specific reason or reasons for the denial,provide                  specific reference to pertinent Plan provisions on which the denial                  is                  based,provide                  a description of any additional material, data or information necessary                  for the Participant or his representative to perfect the claim                  and an                  explanation of why such material or information is necessary,                  andexplain                  the Plan's claim review procedure. In                  the event the request is rejected or modified, the Participant                  or his                  representative may appeal within 60 days following receipt by the                  Participant or representative of such rejection or modification,                  by                  submitting a written request for review by the administrator of                  its                  initial decision. Within 60 days following such request for review,                  the                  Administrator shall render its final decision in writing to the                  Participant or representative stating specific reasons for such                  decision.                  If the Participant or representative is not satisfied with the                  Administrator's final decision, the Participant or representative                  can                  institute an action in a court of competent                  jurisdiction. |

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**ARTICLE        VII**

**VESTING**

| 7.1    | **Deferrals**                                  | Benefits                  attributable to Compensation deferred under the terms of this Plan                  shall                  be nonforfeitable. However, such benefits shall not be payable                  to or for                  the benefit of a Participant until there is a Distributable Event                  under                  the Plan.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |
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| 7.2    | **Company                  Contributions**     | Benefits                  attributable to Company discretionary and matching contributions                  shall                  become nonforfeitable upon the earlier of the Participant completing                  the                  Service requirement in the Adoption Agreement, upon reaching normal                  retirement age or upon death. A Participant's benefits shall also                  become                  fully vested in the event the Plan is terminated in accordance                  with                  paragraph 9.2 and in the event of a Change Of Control as defined                  at                  paragraph 1.5. All other distributable events will vest according                  to the                  terms elected in the Adoption Agreement.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |
| 7.3    | **Computation                  Period**        | A                  Participant's Service for purposes of vesting is determined with                  reference                  to the Plan Year. A Participant shall be credited with one year                  of service                  with respect to each Plan Year during which the Participant completes                  at                  least 1,000 hours of service.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |
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| 7.4    | **Assets**                                     | Regardless                  of a Participant's vested status, no Participant shall have any                  vested                  interest in or claim on any assets held in trust or otherwise either                  before or after the Participant attains his or her Benefit Distribution                  Date. A Participant's vested interest in benefits payable under                  the Plan                  shall be determined in accordance with paragraph 7.1, 7.2 and the                  election                  made by the Company in the Adoption Agreement. A Participant's                  option to                  state an investment preference under paragraph 5.7 hereof shall                  not give a                  Participant or Beneficiary any ownership right or interest in any                  asset                  held in trust or otherwise by the Company as a reserve to satisfy                  its                  obligations under the Plan. All                  amounts deferred under the Plan, all property and right purchased                  with                  such amounts, and all income attributable to such amounts, property                  or                  rights will remain (until made available to Participant s and                  Beneficiaries) solely the property of the Company, subject only                  to the                  claims of the Company’s general creditors. Participants and Beneficiaries                  have only the status of general unsecured creditors of the Company                  with                  respect to Plan payments, and the Plan is only a contractual agreement                  by                  the Company to make Plan payments in the future. |
| 7.5    | **Unfunded                  Plan**             | In                  no event will the assets accumulated by the Company in Trust or                  otherwise                  be construed as creating a funded Plan under the applicable provisions                  of                  the Employee Retirement Income Security Act, as amended, or under                  the                  Internal Revenue Code of 1986, as amended, or under the provisions                  of any                  other applicable statute or regulation. In this connection, any                  funds set                  aside by the Company in trust shall be administered in accordance                  with the                  terms of the Trust.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |
| 7.6    | **Assignment                  And Alienation** | No                  Participant or Beneficiary of a deceased Participant shall have                  the right                  to anticipate, assign, transfer, sell, mortgage, pledge or hypothecate                  any                  benefit under this Plan. The Administrator shall not recognize                  any attempt                  by a third party to attach, garnish or levy upon any benefit under                  the                  Plan except as provided by law or under the terms of a domestic                  relations                  order as described at Code §414(p).                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |
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**ARTICLE        VIII**

**PLAN        ADMINISTRATION**

| 8.1 | **Administrator**                                                  | The                  Plan shall be administered by the individual selected by the Company.                  If                  no Administrator is named by the Company or the named Administrator                  has                  resigned or otherwise cannot perform the administrative duties                  under the                  Plan, the Compensation Committee of the Board Of Directors of the                  Company                  shall serve as Administrator. If no Compensation Committee exists,                  then                  the Board of Directors of the Company shall serve as the Administrator.                  However, in no event shall any Participant who sits on the Compensation                  Committee or Board participate in any decision concerning his or                  her                  benefit under the Plan. The Administrator shall serve at the pleasure                  of                  the Company who shall have the right to remove the Administrator                  at any                  time upon 30 days written notice. The Administrator shall have                  the right                  to resign upon 30 days written notice to the Company. |
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| 8.2 | **Duties                  Of Administrator**                       | The                  Administrator shall be responsible to perform all administrative                  functions                  of the Plan. These duties include but are not limited to:Communicating                  with Participants in connection with their rights and benefits                  under the                  Plan.Reviewing                  investment preferences received from Participants.Arranging                  for the payment of taxes (including income tax withholding), expenses                  and                  benefit payments to Participants under the Plan.Filing                  any returns and reports due with respect to the Plan.Interpreting                  and construing Plan provisions and settling claims and domestic                  relations                  orders in connection with Plan benefits.Serving                  as the Plan's designed representative for the service of advises,                  reports,                  claims or legal process.                                                                                                                                                                                                               |
| 8.3 | **Delegation                  of Duties and Employment of Agents** | The                  Administrator shall retain the right to delegate some or all of                  its                  ministerial duties required for the proper administration of the                  Plan to                  third parties. The Administrator shall also have the right and                  authority                  to employ agents such as accountants, auditors, attorneys, actuaries                  or                  any other professionals it deems necessary in the performance of                  any of                  its duties required under Plan terms.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |
| 8.4 | **Company**                                                        | The                  Company has sole responsibility for the adoption and maintenance                  of the                  Plan. The Company through its Board shall have the power and authority                  to                  appoint the Plan's Administrator and any other professionals, including                  a                  Trustee, as may be required for the administration of the Plan                  or the                  Trust. The Company shall also have the right to remove any individual                  or                  party appointed to perform administrative, investment, fiduciary                  or other                  functions under the Plan. The Company may delegate any of its powers                  to                  the Plan Administrator, Board Member or Committee of the                  Board.                                                                                                                                                                                                                                                                                                                                                                          |
| 8.5 | **Administrative                  Fees And Expenses**              | All                  reasonable costs, charges and expenses incurred by the Administrator                  or                  the Trustee in connection with the administration of the Plan or                  the Trust                  shall be paid by the Company. Any fees due the Sponsor shall either                  be                  billed to the Company by the Sponsor or will be charged against                  assets                  held by the Sponsor as agreed between the Company and the Sponsor.                  Notwithstanding the foregoing, no Compensation other than reimbursement                  for expenses shall be paid to an Administrator who is an Employee                  of the                  Company.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |

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**ARTICLE        IX**

**AMENDMENT        AND TERMINATION**

| 9.1    | **Amendment**   | The                  Company may at any time amend this Plan without the consent of                  any                  Participant or Beneficiary hereunder. No amendment shall deprive                  a                  Participant or Beneficiary of any of the benefits which he or she                  has                  accrued under the Plan.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |
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| 9.2    | **Termination** | Although                  the Company has established this Plan with a bona fide intention                  and                  expectation to maintain the Plan indefinitely, the Company may                  terminate                  or discontinue the Plan in whole or in part on the earlier of the                  date on                  which there is a Change of Control or as of the first business                  day in the                  Plan Year following the date on which the Company elects to terminate.                  Upon Plan termination, no further Deferrals or Company contributions                  shall                  be made except that the Company shall be responsible to pay any                  benefit                  attributable to Deferrals and Company contributions accrued as                  of the day                  preceding the effective date of termination plus investment earnings                  and                  less investment losses, taxes and expenses chargeable to the Participant's                  account up to the Benefit Distribution Date. The Administrator                  shall make                  distribution of the Participant's benefit as of the next Benefit                  Distribution Date. |
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**ARTICLE        X**

**MISCELLANEOUS**

| 10.1   | **Total                  Agreement**   | This                  Plan, the executed Adoption Agreement and related administrative                  forms                  shall constitute the total agreement or contract between the Company                  and                  the Participant regarding the Plan. No oral statement regarding                  the Plan                  may be relied upon by the Participant.                                                                                                                                                                                                                                                                          |
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| 10.2   | **Employment                  Rights** | Neither                  the establishment of this Plan nor any modification thereof, nor                  the                  creation of any Trust or account, nor the payment of any benefits,                  shall                  be construed as giving a Participant or other person a right to                  employment                  with the Company or any other legal or equitable right against                  the Company                  except as provided in the Plan. In no event shall the terms of                  employment                  of any Employee be modified or in any way be affected by the                  Plan. |
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| 10.3   | **Governing                  Law**     | Construction,                  validity and administration of this Plan including the accompanying                  Adoption Agreement and administrative forms shall be governed by                  applicable Federal law and applicable state law in which the principal                  office of the Company is located.                                                                                                                                                                                                                                                                                                                                      |

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