Wachovia Bank, National Association

|   | If      more than one Employer is adopting the Plan, complete this section based      on the lead Employer.  Additional Employers who are members of      the same controlled group or affiliated service group may adopt this Plan      by completing and executing a Participation Agreement that, once executed,      will become part of this AdoptionAgreement. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

Connecticut Water Company

860-669-8630

06-0713930

|   | D. | Form Of      Business: |
|--------|----|------------------------|

 ]           1.           SoleProprietor                                           [
 ]           5.           LimitedLiability Company

 ]           2.           Partnership                                [
 ]           6.           LimitedLiability Partnership

x]           3.           Corporation                                [
 ]           7.           
                                           

 ]           4.           SCorporation

x]  YES                      [
 ]  NO

 ]  YES                      [
x]  NO

Savings Plan of the Connecticut Water Company

003

December 31

221300

| A.   | New  Plan: |
|----------------|------------|

|   | This      is a new Plan having an Effective Date of __________________________.  The      Effective Date may be no earlier than the Plan Year beginning after      December 31, 2001 or if later, the first day of the Plan Year in which it      is adopted. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| B.   | Amended and Restated      Plans: |
|----------------|----------------------------------|

January 1,1985.  The Effective Date of this amendment and/or restatementis 
January 1,2009.  The Effective Date of the restated Plan may be noearlier than for Plan Years beginning after December 31, 2001.

| C.   | Amended or Restated Plans for      EGTRRA: |
|----------------|--------------------------------------------|

January 1,1985.  Except as provided for in the Plan, the Effective Date of thisamendment and/or restatement is 
January 1, 2009. (Therestatement date should be no earlier than the first day of the current PlanYear.  The Plan contains appropriate retroactive Effective Dates withrespect to provisions of EGTRRA.)

__________________________.

January 1, 2009. Thisprovision must be adopted prior to the first day of the Plan Year and remain ineffect for an entire twelve (12) month period.

__________________________.  TheEffective Date of this provision cannot be earlier than January 1,2006.

|   | G. | Frozen    Plan: |
|--------|----|-----------------|

__________________________.  Forany period following this Effective Date, neither the Employer nor anyParticipant may contribute to this Plan, and no otherwise eligible Employeeshall become a Participant in this Plan. All existing account balances willbecome fully vested as of the date specified above.

|   | A. | “Compensation” |
|--------|----|----------------------------|

|   | Select      the definition of Compensation, the Compensation Computation Period, any      Compensation Dollar Limitation and Exclusions from Compensation for each      contribution type from the options listed below.  Enter the      letter of the option selected on the lines provided      below.  Leave the line blank if no election needs to be made.      The Compensation      Computation Period must be the same as the Limitation Year defined at      Section III(E). |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  EmployerContribution      Type                                       |  CompensationDefinition |  Compensation Computation Period |  CompensationDollar      Limitation | ExclusionsFrom      Compensation |
|----------------------------------------------------------------------------|------------------------------|-------------------------------------------------|------------------------------------------|----------------------------------|
| All Contributions                                                          | d                            | a                                               | $                                        | b,      c, d, g, j               |
| Elective Deferrals (including Roth Elective Deferrals, if      applicable) |                         |                                            | $                                        |                             |

| EmployerContribution      Type            | CompensationDefinition |  Compensation Computation Period | CompensationDollar      Limitation | ExclusionsFrom      Compensation |
|-------------------------------------------|------------------------|-------------------------------------------------|------------------------------------|----------------------------------|
| Voluntary After-tax                       |                   |                                            | $                                  |                             |
| Required After-tax                        |                   |                                            | $                                  |                             |
| Matching Contribution(Formula      1)     |                   |                                            | $                                  |                             |
| Matching Contribution(Formula      2)     |                   |                                            | $                                  |                             |
| Non-Elective Contribution(Formula      1) |                   |                                            | $                                  |                             |
| Non-Elective Contribution(Formula      2) |                   |                                            | $                                  |                             |
| Safe HarborContribution                   |                   |                                            | N/A                                | N/A                              |
| QNEC                                      |                   |                                            | $                                  |                             |
| QMAC                                      |                   |                                            | $                                  |                             |
| ADP/ACP Tests                             |                   |                                            | N/A                                | N/A                              |

|   | a. | Code      Section 3401(a) - W-2 Compensation subject to income tax withholding at      the source, with all pre-tax contributions  excluded. |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------|

|   | b. | Code      Section 3401(a) - W-2 Compensation subject to income tax withholding at      the source, with all pre-tax contributions included [Plan defaults to this      election]. |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| c.   | Code      Section 6041/6051 - Income reportable on Form W-2, with all pre-tax      contributions excluded. |
|----------------|------------------------------------------------------------------------------------------------------------|

|   | d. | Code      Section 6041/6051 - Income reportable on Form W-2, with all pre-tax      contributions included. |
|--------|----|------------------------------------------------------------------------------------------------------------|

|   | e. | Code      Section 415 - All income received for services performed for the Employer,      with all pre-tax contributionsexcluded. |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------|

|   | f. | Code      Section 415 - All income received for services performed for the Employer,      with all pre-tax contributionsincluded. |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 2. | Deemed Compensation from      permitted waiver of group health coverage under a Cafeteria Plan      Arrangement:  The Employer elects to include deemed Code      Section 125 Compensation not available to a Participant in cash in lieu of      group health coverage in the Plan’s definition of      Compensation. |
|--------|----------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 3. | Compensation      Computation Period: |
|--------|----|---------------------------------------|

|   | a. | Compensation      paid during a Plan Year while a Participant [Plan defaults to      this          election]. |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------|

| d.   | Compensation      paid during the calendar year. |
|----------------|--------------------------------------------------|

|   | 4. | Compensation Dollar      Limitation: The dollar limitation section does not need to be      completed unless Compensation of less than the Code Section 401(a)(17)      limit of $200,000 is to be used. When an integrated allocation      formula in Section VI is selected, Compensation cannot be limited to an      amount less than the maximum amount under Code Section      401(a)(17). |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | a. | There      will be no exclusions from Compensation under the Plan [Plan defaults to      this safe harbor election]. |
|--------|----|----------------------------------------------------------------------------------------------------------------------|

|   | b. | Overtime |
|--------|----|----------|

| e.   | Exclusion      applies only to Participants who are Highly Compensated Employees [safe      harbor]. |
|----------------|------------------------------------------------------------------------------------------------------|

| f.   | Holiday      and vacation pay |
|----------------|-------------------------------|

| g.   | Reimbursements      or other expense allowances, fringe benefits (cash and non-cash), moving      expenses, deferred compensation, and welfare benefits [safe      harbor]. |
|----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| h.   | Post-severance      payments, as described in paragraph 1.17(c)(6) of Basic Plan Document #01.      (This exclusion may apply no earlier than the 2005 Limitation      Year.) |
|----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| i.   | Compensation      in excess of $__________________________      for Highly Compensated Employees [safe  harbor]. |
|----------------|------------------------------------------------------------------------------------------------------------------|

| j.   | Other:  Employer's      cost for any public or private employee benefit      plan |
|----------------|---------------------------------------------------------------------------------------------|

|   | B. | “Disability” |
|--------|----|--------------------------|

|   | [x] | 1. | As      defined in the Basic Plan Document #01 [Plan defaults to this      election]. |
|--------|-----|----|---------------------------------------------------------------------------------------|

|   | [ ] | 2. | As      defined in the Employer’s Disability Insurance  Plan. |
|--------|----------|----|---------------------------------------------------------------------|

|   | [ ] | 3. | An      individual will be considered to be disabled if he or she is unable to      engage in any substantial gainful activity by reason of any medically      determinable physical or mental impairment which can be expected to result      in death or to be of long, continued and indefinite      duration.  An individual shall not be considered to be disabled      unless he or she furnishes proof of the existence thereof in such form and      manner as the Secretary of the Treasury may  prescribe. |
|--------|----------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | C. | “Highly Compensated Employees –      Top-Paid Group Election” |
|--------|----|---------------------------------------------------------------------------------|

|   | 1. | Top-Paid Group      Election:  In determining who is a Highly Compensated      Employee, the Employer may make the Top-Paid Group      election.  The effect of this election is that an Employee (who      is not a 5% owner at any time during the determination year or the      look-back year) who earned more than $95,000, as indexed for the look-back      year, is a Highly Compensated Employee if the Employee was in the Top-Paid      Group for the look-back year.  This election is applicable for      the Plan Year in which this Plan iseffective. |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

x]           a.           TheEmployer does not make the Top-Paid Group election.

|   | [ ] | b. | The      Employer makes the Top-Paid Group election [Plan defaults to this      election]. |
|--------|----------|----|--------------------------------------------------------------------------------------------|

|   | [ ] | 2. | Calendar Year Data      Election:  If the Plan Year is not the calendar year, the      prior year computation period for purposes of determining if an Employee      earned more than $95,000, as indexed, is the calendar year beginning in      the prior Plan Year.  This election is applicable for the Plan      Year in which this Plan iseffective. |
|--------|----------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | D. | “Hours Of      Service” |
|--------|----|-------------------------------------|

|   | [ ] | 1. | Not      applicable.  A Year of Service (Period of Service) is defined      using the Elapsed Time method. |
|--------|----------|----|----------------------------------------------------------------------------------------------------------------------|

|   | [x] | 2. | On      the basis of actual hours for which an Employee is paid or entitled to      payment [Plan defaults to thiselection]. |
|--------|-----|----|------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 3. | On      the basis of days worked.  An Employee shall be credited with      ten (10) Hours of Service if the Employee would be credited with at least      one (1) Hour of Service during theday. |
|--------|----------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 4. | On      the basis of weeks worked.  An Employee shall be credited with      forty-five (45) Hours of Service if the Employee would be credited with at      least one (1) Hour of Service during theweek. |
|--------|----------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 5. | On      the basis of semi-monthly payroll periods.  An Employee shall be      credited with ninety-five (95) Hours of Service if the Employee would be      credited with at least one (1) Hour of Service during the semi-monthly      payroll period. |
|--------|----------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 6. | On      the basis of months worked.  An Employee shall be credited with      one-hundred-ninety (190) Hours of Service if the Employee would be      credited with at least one (1) Hour of Service during the      month. |
|--------|----------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | E. | “Integration      Level” |
|--------|----|--------------------------------------|

|   | [x] | 1. | Not      applicable. Either the Plan's allocation formula is not integrated with      Social Security or there are no Non-Elective Employer Contributions being      made to the Plan [Plan defaults to this  election]. |
|--------|-----|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 2. | The      Taxable Wage Base. |
|--------|----------|----|-----------------------------|

|   | [ ] | 3. | ________% (not more than      100%) of the Taxable Wage Base. |
|--------|----------|----|---------------------------------------------------------------|

|   | [ ] | 4. | $________, provided that      such amount is not in excess of the amount determined under paragraph      (E)(2) above. |
|--------|----------|----|------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 5. | One      dollar over 80% of the Taxable WageBase. |
|--------|----------|----|---------------------------------------------------|

|   | [ ] | 6. | 20%      of the Taxable Wage Base. |
|--------|----------|----|------------------------------------|

|   | Unless      elected otherwise below, the Limitation Year shall be the Plan      Year. |
|--------|---------------------------------------------------------------------------------------|

|   | The      twelve (12) consecutive month period commencing on January 1 and ending on      December      31. |
|--------|------------------------------------------------------------------------------------------------------------|

___________________________and ending on 
___________________________.  Thereafter,the Limitation Year shall end on the date specified above.

| G. | “Net    Profit” |
|----|-----------------------------|

|   | [x] | 1. | Not      applicable.  Employer contributions to the Plan are not      conditioned on profits [Plan defaults to this  election]. |
|--------|-----|----|-------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 2. | Net      Profits are required for making Employer contributions and are defined as      follows: |
|--------|----------|----|--------------------------------------------------------------------------------------------------|

|   | [ ] | a. | As      defined in the Basic Plan Document#01. |
|--------|----------|----|------------------------------------------------|

|   | [ ] | b. | Net      Profits will be defined in a uniform and nondiscriminatory manner which      will not result in a deprivation of an eligible Participant of any      Employer  Contribution. |
|--------|----------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | c. | Net      Profits are required for the following types of    contributions: |
|--------|----|----------------------------------------------------------------------------|

 ]           i.           EmployerMatching Contributions (Formula 1).

 ]           ii.           EmployerMatching Contributions (Formula 2).

|   | [ ] | iii. | Employer      QNEC and QMAC Contributions. |
|--------|----------|------|--------------------------------------------|

 ]           iv.           Non-ElectiveEmployer Contributions (Formula 1).

 ]           v.           Non-ElectiveEmployer Contributions (Formula 2).

|   | H. | “Plan    Year” |
|--------|----|----------------------------|

|   | The      12-consecutive month period commencing on January 1 and ending on      December      31. |
|--------|---------------------------------------------------------------------------------------------------|

___________________________and ending on 
___________________________.  Thereafter,the Plan Year shall end on the date specified above.

|   | [x] | 1. | The      date the QDRO is determined to be qualified [Plan defaults to this      election]. |
|--------|-----|----|---------------------------------------------------------------------------------------------|

|   | [ ] | 2. | The      statutory age fifty (50) requirement applies for purposes of making      distribution to an alternate payee under the provisions of a      QDRO. |
|--------|----------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | J. | “Qualified Joint and Survivor      Annuity” |
|--------|----|---------------------------------------------------------|

|   | [x] | 1. | Not      applicable.  The Plan is not subject to Qualified Joint and      Survivor Annuity rules. The safe harbor provisions of paragraph 8.7 of the      Basic Plan Document #01 apply.  The normal form of payment is a      lump sum.  No annuities are offered under the Plan [Plan      defaults to this election]. |
|--------|-----|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 2. | The      normal form of payment is a lump sum.  The Plan does provide for      annuities as an optional form of payment at Section XVI(D) of the Adoption      Agreement. The Plan’s Joint and Survivor Annuity rules are avoided and the      safe harbor provisions of paragraph 8.7 of the Basic Plan Document #01      will apply, unless the Participant elects to receive his or her      distribution in the form of an annuity.  If this option is      selected, Section III(K) below must also be  completed. |
|--------|----------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 3. | The      Joint and Survivor Annuity rules are applicable and the survivor annuity      will be ________%      (50%, 66-2/3%, 75% or 100%) of the annuity payable during the lives of the      Participant and his or her Spouse.  If no selection is      specified, 50% shall be deemedelected. |
|--------|----------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| K.   | “Qualified      Pre-Retirement Survivor Annuity” |
|----------------|--------------------------------------------------------------|

|   | [ ] | 1. | The      Qualified Pre-Retirement Survivor Annuity shall be 100% of the      Participant’s Vested Account Balance in the Plan as of the date of the      Participant’s death. |
|--------|----------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 2. | The      Qualified Pre-Retirement Survivor Annuity shall be 50% of the      Participant’s Vested Account Balance in the Plan as of the date of the      Participant’s death. |
|--------|----------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | The      assets of the Plan shall be valued on the last day of the Plan Year and on      the following Valuation Date(s): |
|--------|---------------------------------------------------------------------------------------------------------------------------|

 ]           1.           Thereare no other mandatory Valuation Dates.

x]           2.           TheValuation Dates are applicable for the contribution type specifiedbelow:

|  Contribution      TypeValuation Date                                 |  Valuation      Date |
|----------------------------------------------------------------------------|---------------------------|
| All Contributions                                                          | a                         |
| Elective Deferrals (including Roth Elective Deferrals, if      applicable) |                      |
| Voluntary After-tax Contributions                                          |                      |
| Required After-tax Contributions                                           |                      |
| Deemed IRA Contribution                                                    |                      |
| Matching Contributions (Formula 1)                                         |                      |
| Matching Contributions (Formula 2)                                         |                      |
| Non-Elective Contributions (Formula 1)                                     |                      |
| Non-Elective Contributions (Formula 2)                                     |                      |
| Safe Harbor Contributions                                                  |                      |
| QNEC                                                                       |                      |
| QMAC                                                                       |                      |

|   | e. | Other:   | . |
|--------|----|--------------------|---|

|   Contribution      Type                                                    |  MinimumAge |  ServiceRequirement |  ClassExclusions | EligibilityComputationPeriod |   Entry      Date |
|---------------------------------------------------------------------------------------|------------------|--------------------------|-----------------------|------------------------------|-----------------------------|
|  All      Contributions                                                          | 1                | 3                        | 6,      10            |                         | 5                           |
|  Elective      Deferrals (including Roth Elective Deferrals, if      applicable) |             |                     |                  |                         |                        |
|  Voluntary      After-tax Contributions                                          |             |                     |                  |                         |                        |
|  Required      After-tax Contributions                                           |             |                     |                  |                         |                        |
|  Matching      Contributions(Formula      1)                                     |             |                     |                  |                         |                        |
| Matching Contributions(Formula      2)                                                |             |                     |                  |                         |                        |
| Non-Elective Contributions (Formula 1)                                                |             |                     |                  |                         |                        |
| Non-Elective Contributions (Formula 2)                                                |             |                     |                  |                         |                        |
| Safe Harbor Contributions*                                                            |             |                     |                  |                         |                        |
|  QNECs                                                                           |             |                     |                  |                         |                        |
|  QMACs                                                                           |             |                     |                  |                         |                        |

|   | *If any age or Service      requirement selected is more restrictive than that which is imposed on any      Employee contribution, that group of Employees will be subject to the ADP      and/or ACP testing as prescribed under applicable IRS      Regulations |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 2. | Insert      the applicable age in the chart above.  The age may not be more      than twenty-one (21). |
|--------|----|------------------------------------------------------------------------------------------------------------------|

| B.   | Service: |
|----------------|----------|

|   | 1. | No      Service requirement. |
|--------|----|------------------------------|

|   | 2. | Completion      of _______ Days of      Service. [No more than 730 Days of Service may be required; if more than      365 days are entered here, Participants must be 100% vested upon entering      the Plan.] |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 3. | Completion      of 6 months of      Service [No more than twenty-four (24) months of Service may be required;      if more than twelve (12) months are entered here, Participants must be      100% vested upon entering thePlan.] |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 4. | Completion      of _______ months      of Service [No more than twenty-four (24) months of Service may be      required; if more than twelve (12) months are entered here, Participants      must be 100% vested upon entering thePlan.] |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 5. | One      (1) Year of Service or Period ofService. |
|--------|----|---------------------------------------------------|

|   | 6. | Two      (2) Years of Service or Periods ofService. |
|--------|----|-----------------------------------------------------|

|   | 7. | One      (1) Expected Year of Service.  An Employee whose position is      required as a condition of employment to work a Year of Service may enter      after six (6) months of actualService. |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 8. | One      (1) Expected Year of Service.  An Employee whose position is      required as a condition of employment to work a Year of Service may enter      after __________      months of actual Service [must be twelve (12) months or    less]. |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 9. | One      (1) Expected Year of Service.  An Employee whose position is      required as a condition of employment to work a Year of Service may enter      after __________      months of actual Service [must be twelve (12) months or    less]. |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 10. | Completion      of ___________      Hours of Service (1,000 hours or less) within the ___________ month(s)      time period [the monthly period must be a pro-ration of twelve (12) months      or less] following an Employee's commencement of employment.  An      Employee who is otherwise eligible who meets the statutory one (1) Year of      Service requirement and any age requirement if applicable, shall      participate in the Plan not later than the earlier of the first day of the      first Plan Year after the Employee has met the statutory requirements or      six (6) months after the day such requirements are  met. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

___________ Hours of Service(may not be more than 1,000 Hours).

|   | C. | Method for Measuring Service      Eligibility Period (do not      enter this method in the table above): |
|--------|----|----------------------------------------------------------------------------------------------------------|

|   | A      Year of Service for eligibility purposes is defined as follows (choose      one): |
|--------|------------------------------------------------------------------------------------------|

|   | [ ] | 1. | Not      applicable. |
|--------|----------|----|----------------------|

|   | [x] | 2. | Hours      of Service method.  A Year of Service will be credited upon      completion of 1000      Hours of Service.  A Year of Service for eligibility purposes      may not be less than one (1) Hour of Service nor greater than 1,000 hours      by operation of law.  If left blank, the Plan will use 1,000      hours. |
|--------|-----|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 3. | Elapsed      Time method |
|--------|----------|----|--------------------------|

|   | D. | Employee Class      Exclusions: |
|--------|----|---------------------------------|

| 1.   | Employees      included in a unit of Employees covered by a collective bargaining      agreement between the Employer and Employee Representatives, if benefits      were the subject of good faith bargaining and if two percent or less of      the Employees are covered pursuant to the agreement are professionals as      defined in Regulations Section 1.410(b)-9, unless participation in this      Plan is specifically provided for in the collective bargaining      agreement.  For this purpose, the term “employee representative”      does not include any organization more than half of whose members are      owners, officers, or executives of theEmployer. |
|----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 2. | Employees      who are non-resident aliens [within the meaning of Code Section      7701(b)(1)(B)] who receive no Earned Income [within the meaning of Code      Section 911(d)(2)] from the Employer which constitutes income from sources      within the United States [within the meaning of Code Section      861(a)(3)]. |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 3. | Employees      compensated on an hourly basis. |
|--------|----|------------------------------------------------|

|   | 4. | Employees      compensated on a salaried basis. |
|--------|----|-------------------------------------------------|

|   | 5. | Employees      compensated on a commission basis. |
|--------|----|---------------------------------------------------|

|   | 6. | Leased      Employees. |
|--------|----|------------------------|

|   | 7. | Highly      Compensated Employees. |
|--------|----|------------------------------------|

|   | 8. | Key      Employees. |
|--------|----|---------------------|

|   | 9. | Employees      of any member of the controlled and/or affiliated service group Employer      whose Employer does not affirmatively adopt this  Plan. |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 10. | The      Plan shall exclude from participation any nondiscriminatory classification      of Employees determined as follows (any exclusion must pass coverage and      nondiscrimination testing): |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

Those Employees of a Related Employer that has not executed aRelated Employer Participation Agreement.

|   | E. | Eligibility Computation      Period: |
|--------|----|--------------------------------------|

|   | The      initial eligibility computation period shall commence on the date on which      an Employee first performs an Hour of Service and end with the first      anniversary thereof.  Each subsequent computation period shall      commence on: |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 1. | Not      applicable.  The Plan has a Service requirement of less than one      (1) year or uses the Elapsed Time method to determine      eligibility. |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 2. | The      anniversary of the Employee’s employment commencement date and each      subsequent twelve (12) consecutive month period  thereafter. |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 3. | The      first day of the Plan Year which commences prior to the first anniversary      date of the Employee’s employment commencement date and each subsequent      Plan Year thereafter. |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | F. | Entry    Date: |
|--------|----|----------------|

|   | 1. | The      Employee’s date of hire. |
|--------|----|-----------------------------------------|

|   | 2. | The      first day of the month coinciding with or next following the date on which      an Employee meets the eligibilityrequirements. |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------------|

|   | 3. | The      first day of the payroll period coinciding with or next following the date      on which an Employee meets the eligibility requirements, or as soon as      administratively feasiblethereafter. |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 4. | When      the Days of Service method is selected at Section IV(B)(2), the Entry Date      shall be the day the Employee meets the eligibility requirements, or as      soon as administratively feasiblethereafter. |
|--------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 5. | The      earlier of the first day of the Plan Year, or the first day of the fourth,      seventh or tenth month of the Plan Year coinciding with or next following      the date on which an Employee meets the eligibility      requirements. |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 6. | The      earlier of the first day of the Plan Year or the first day of the seventh      month of the Plan Year coinciding with or next following the date on which      an Employee meets the eligibilityrequirements. |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 7. | The      first day of the Plan Year following the date on which the Employee meets      the eligibility requirements.  If this election is made, the      Service waiting period cannot be greater than one-half year and the      minimum age requirement may not be greater than age twenty and one-half      (20½). |
|--------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 8. | The      first day of the Plan Year nearest the date on which an Employee meets the      eligibility requirements.  This option can only be      selected for Employer related  contributions. |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 9. | The      first day of the Plan Year during which the Employee meets the eligibility      requirements.  This option can only be      selected for Employer related  contributions. |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 10. | Other:      ________________________. |
|--------|-----|---------------------------------------|

|   | G. | Employees on Effective      Date: |
|--------|----|-----------------------------------|

|   | [x] | 1. | All      Employees will be required to satisfy both the age and Service      requirements specified above. |
|--------|-----|----|------------------------------------------------------------------------------------------------------------|

|   | [ ] | 2. | Employees      employed on the Plan’s Effective Date do not have to satisfy the age      requirement specified above. |
|--------|----------|----|-----------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 3. | Employees      employed on the Plan's Effective Date do not have to satisfy the Service      requirement specified above. |
|--------|----------|----|---------------------------------------------------------------------------------------------------------------------------|

|   | H. | Special Waiver of Eligibility      Requirements: |
|--------|----|--------------------------------------------------|

|   | The      age and/or Service eligibility requirements specified above shall be      waived for the eligible Employees specified below who are employed on the      specified date for the contribution type(s) specified.  This      waiver applies to either the age or Service requirement or both as elected      below. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  Waiver      Date | Waiver      of AgeRequirement | Waiver      of ServiceRequirement |  Contribution      Type                                                  |
|------------------------|-------------------------------|-----------------------------------|-------------------------------------------------------------------------------|
|                   |                          |                              | All      Contributions                                                        |
|                   |                          |                              | Elective      Deferrals (including Roth Elective Deferrals, if    applicable) |
|                   |                          |                              | Matching      Contribution (Formula 1)                                        |
|                   |                          |                              | Matching      Contribution (Formula 2)                                        |
|                   |                          |                              | Non-Elective      Contribution (Formula 1)                                    |
|                   |                          |                              | Non-Elective      Contribution (Formula 2)                                    |
|                   |                          |                              | Safe      Harbor Contribution                                                 |
|                   |                          |                              | QNEC                                                                          |
|                   |                          |                              | QMAC                                                                          |

 ]           1.           Alleligible Employees employed on the specified date.

 ]           2.           Theindicated class of Employees employed on the specified date.

| V. | RETIREMENT      AGES |
|----|----------------------|

| A.   | Normal      Retirement: |
|----------------|-------------------------|

|   | [x] | 1. | Normal      Retirement Age shall be age 65 [not to exceed      sixty-five (65)]. |
|--------|-----|----|----------------------------------------------------------------------------------|

|   | [ ] | 2. | Normal      Retirement Age shall be the later of attaining age ________ [not to exceed      age sixty-five (65)] or the ________ (not to exceed      the fifth) anniversary of the first day of the first Plan Year in which      the Participant commenced participation in the  Plan. |
|--------|----------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 3. | The      Normal Retirement Date shall be: |
|--------|----|-------------------------------------------|

|   | [x] | a. | as      of the date the Participant attains Normal Retirement Age [Plan defaults      to this election]. |
|--------|-----|----|----------------------------------------------------------------------------------------------------------|

|   | [ ] | b. | the      first day of the month next following the Participant’s attainment of      Normal Retirement Age. |
|--------|----------|----|------------------------------------------------------------------------------------------------------------------|

 ]           1.           Notapplicable.

|   | [x] | 2. | The      Plan shall have an Early Retirement Age of 55 [not less than age      fifty-five (55)] and completion of 0 Years of      Service. |
|--------|-----|----|--------------------------------------------------------------------------------------------------------------------------------------------|

|   | 3. | The      Early Retirement Date shall be: |
|--------|----|------------------------------------------|

|   | [x] | a. | as      of the date the Participant attains Early Retirement Age [Plan defaults to      this election]. |
|--------|-----|----|---------------------------------------------------------------------------------------------------------|

|   | [ ] | b. | the      first day of the month next following the Participant’s attainment of      Early Retirement Age. |
|--------|----------|----|-----------------------------------------------------------------------------------------------------------------|

| A.   | Elective      Deferrals: |
|----------------|--------------------------|

|   | [ ] | a. | in      any amount up to ____________% (may be no      more than 100%) of Compensation. |
|--------|----------|----|-----------------------------------------------------------------------------------------|

|   | [x] | b. | in      any amount from a minimum of 1% (may be no less than      1%) to a maximum of 50% (may be no more than      100%) of their Compensation not to exceed $__________ [may be no more      than the Code Section 402(g) limit and Code Section 414(v) limit, if      applicable]. |
|--------|-----|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ x] | c. | in      a flat dollar amount from a minimum of $500 (may be no less than $500) to      a maximum of $_____________, [may be      no more than the Code Section 402(g) limit and Code Section 414(v) limit,      if applicable] not to exceed ______% (no more than      100%) of their Compensation. |
|--------|-----------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | d. | in      any amount up to the maximum percentage of Compensation and dollar amount      permissible under Code Section 402(g) and 414(v) not to exceed the limits      of Code Section 401(k), 404 and415. |
|--------|----------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | e. | Highly      Compensated Employees may defer any amount up to ____% (may be no more      than 100%) of Compensation or $__________ [may be no more than the Code      Section 402(g) limit and Code Section 414(v) limit, if      applicable]. |
|--------|----------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [x] | f. | Catch-up      Contributions may be made by eligible  Participants. |
|--------|-----|----|--------------------------------------------------------------------|

|   | 2. | Participants      shall be permitted to terminate their Elective Deferrals (including Roth      Elective Deferrals, if any) at any time upon proper and timely notice to      the Employer.  Modifications and reinstatement of Participants’      Elective Deferrals will become effective as soon as administratively      feasible on a prospective basis as provided for  below: |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Modifications | Reinstatement | Method |
|---------------|---------------|--------|

|   | [ ] | [ ] | On      a daily basis. |
|--------|----------|----------|------------------------|

|   | [x] | [x] | On      the first day of each quarter. |
|--------|-----|-----|----------------------------------------|

|   | [ ] | [ ] | On      the first day of the next month. |
|--------|----------|----------|------------------------------------------|

|   | [ ] | [ ] | The      beginning of the next payrollperiod. |
|--------|----------|----------|-----------------------------------------------|

|   | [ ] | [ ] | On      the first day of the next semi-annualperiod. |
|--------|----------|----------|------------------------------------------------------|

|   | [ ] | n/a | Upon      _____ days notice      to the Plan Administrator. |
|--------|----------|-----|-------------------------------------------------------------|

|   | n/a | [ ] | Upon      _____ days notice      to the Plan Administrator. |
|--------|-----|----------|-------------------------------------------------------------|

| [ ] | B. | Roth Elective      Deferrals: |
|----------|----|-------------------------------|

|   | C. | Bonus      Option: |
|--------|----|--------------------|

|   | [x] | 1. | Not      applicable. The Plan’s definition of Compensation excludes bonuses from      deferrable Compensation for both Elective Deferrals and Roth Elective      Deferrals. |
|--------|-----|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 2. | Not      applicable.  Participants are not permitted to make a separate      deferral election and the Participant’s deferral amount elected on their      Salary Deferral Agreement will also apply to any bonus received by the      Participant for any Plan Year. |
|--------|----------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 3. | The      Employer permits a Participant to amend his or her deferral election to      defer to the Plan an amount not to exceed __________% (may be no      more than 100%) or $_________ [may be no      more than the Code Section 402(g) limit and Code Section 414(v) limit, if      applicable] of any bonus received by the Participant for any Plan      Year. |
|--------|----------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | D. | Automatic      Enrollment: |
|--------|----------|----|----------------------------|

|   | [ ] | 2. | Automatic      Deferrals: |
|--------|----------|----|---------------------------|

|   | a. | New      Employees:  Employees who have not met the eligibility      requirements shall have Elective Deferrals withheld in the amount of ________% (not more than      10%) of Compensation or $________ [may be no more      than the Code Section 402(g) limit and Code Section 414(v) limit, if      applicable] upon entering the Plan. |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | i. | On      an annual basis the Elective Deferral limit under the Plan shall be      increased up to a maximum amount determined by the    Employer. |
|--------|----------|----|--------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | ii. | After      _____ Years of      Service, the amount specified above shall increase to ____% (no more than 10%)      or $______ [may be      no more than the Code Section 402(g) limit and Code Section 414(v) limit,      if applicable]. |
|--------|----------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | This      requirement is effective for Employees hired on or after      ______________________. |
|--------|----------|-------------------------------------------------------------------------------------------------|

|   | [ ] | b. | Current      Employees:  Employees who are eligible to participate but      not deferring shall have Elective Deferrals withheld in the amount of      ______ % (not more      than 10%) of Compensation or $_________ [may be no      more than the Code Section 402(g) limit and Code Section 414(v) limit, if      applicable]. |
|--------|----------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | i. | On      an annual basis the Elective Deferral limit under the Plan shall be      increased up to a maximum amount determined by the    Employer. |
|--------|----------|----|--------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | ii. | After      _____ Years of Service, the amount specified above shall increase to      _____% (no more than 10%) or $_______ [may be no more than the Code      Section 402(g) limit and Code Section 414(v) limit, if      applicable]. |
|--------|----------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | c. | Current      Participants:  Current Participants who are deferring at      a percentage less than the amount selected herein shall have Elective      Deferrals withheld in the amount of  ________% (not more than      10%) of Compensation or $________ [may be no more      than the Code Section 402(g) limit and Code Section 414(v) limit, if      applicable]. |
|--------|----------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | i. | On      an annual basis the Elective Deferral limit under the Plan shall be      increased up to a maximum amount determined by the    Employer. |
|--------|----------|----|--------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | ii. | After      _____ Years of Service, the amount specified above shall increase to      _____% (no more than 10%) or $_______ [may be no more than the Code      Section 402(g) limit and Code Section 414(v) limit, if      applicable]. |
|--------|----------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| E.   | Voluntary      After-tax Contributions: |
|----------------|-----------------------------------------|

|   | [x] | 1. | The      Plan does not permit Voluntary After-tax  Contributions. |
|--------|-----|----|-------------------------------------------------------------------|

|   | [ ] | 2. | Participants      may make Voluntary After-tax Contributions in any amount from      a minimum of ________% (may not be      less than 1%) to a maximum of ______% (may be no more      than 100%) of their Compensation or a flat      dollar amount from a minimum of $____________ (may not be      less than $1,000) to a maximum of $______________ [may be no more      than the Code Section 402(g) limit and Code Section 414(v) limit, if      applicable]. |
|--------|----------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 3. | Participants      may make Voluntary After-tax Contributions in any amount up to the maximum      permitted by law. |
|--------|----------|----|---------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 4. | The      maximum combined limit of Elective Deferrals, Roth Elective Deferrals, and      Voluntary After-tax Contributions will not exceed ______% (may be no more      than 100%) of Compensation or $_______ [may be no more than the Code      Section 402(g) limit and Code Section 414(v) limit, if      applicable]. |
|--------|----------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | F. | Required After-tax      Contributions (for Thrift      Savings Plans only): |
|--------|----|-----------------------------------------------------------------------------|

|   | [x] | 1. | The      Plan does not permit Required After-tax  Contributions. |
|--------|-----|----|------------------------------------------------------------------|

|   | [ ] | 2. | Participants      shall be required to make Required After-tax Contributions as      follows: |
|--------|----------|----|-----------------------------------------------------------------------------------------------|

 ]           a.           
________%(may be no more than 100%) of Compensation.

|   | [ ] | b. | A      percentage determined by theEmployee. |
|--------|----------|----|----------------------------------------------|

|   | [ ] | c. | A      flat dollar amount of $________ [may be no more than the Code Section      402(g) limit and Code Section 414(v) limit, if  applicable]. |
|--------|----------|----|------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | d. | The      maximum combined limit of Elective Deferrals, Roth Elective Deferrals and      Required After-tax Contributions will not exceed ______% (may be no more      than 100%) of Compensation or $_______  [may be no more than the      Code Section 402(g) limit and Code Section 414(v) limit, if      applicable]. |
|--------|----------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | G. | Rollover      Contributions: |
|--------|----|------------------------------|

|   | [ ] | 1. | The      Plan does not accept RolloverContributions. |
|--------|----------|----|------------------------------------------------------|

|   | [x] | 2. | Rollover      Contributions may be made: |
|--------|-----|----|------------------------------------------|

|   | [ ] | a. | after      meeting the eligibility requirements for participation in the      Plan. |
|--------|----------|----|-------------------------------------------------------------------------------------|

|   | [x] | b. | prior      to meeting the eligibility requirements for participation in the      Plan. |
|--------|-----|----|----------------------------------------------------------------------------------------|

|   | 3. | The      Plan will accept a Participant Rollover Contribution of an Eligible      Rollover Distribution from (check only those that      apply): |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [x] | a. | A      Qualified Plan described in Code Section 401(a) or  403(a). |
|--------|-----|----|--------------------------------------------------------------------|

|   | [x] | b. | An      annuity contract described in Code Section  403(b). |
|--------|-----|----|-------------------------------------------------------------|

|   | [ ] | c. | An      eligible plan under Code Section 457(b) which is maintained by a state,      political subdivision of a state, or any agency or instrumentality of a      state or political subdivision of astate. |
|--------|----------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | d. | An      Individual Retirement Account (which was not used as a conduit from a      Qualified Plan) or Annuity described in Code Section 408(a) or 408(b) that      is eligible to be rolled over and would otherwise be includable in gross      income. |
|--------|----------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 4. | The      Plan will accept a Direct Rollover of an Eligible Rollover Distribution      from (check only those      that apply): |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------|

|   | [x] | a. | A      Qualified Plan described in Code Section 401(a) or 403(a), excluding      Voluntary After-tax Contributions. |
|--------|-----|----|---------------------------------------------------------------------------------------------------------------------|

|   | [ ] | b. | A      Qualified Plan described in Code Section 401(a) or 403(a), including      Voluntary After-tax Contributions. |
|--------|----------|----|---------------------------------------------------------------------------------------------------------------------|

|   | [x] | c. | An      annuity contract described in Code Section 403(b), excluding Voluntary      After-tax Contributions. |
|--------|-----|----|--------------------------------------------------------------------------------------------------------------|

|   | [ ] | d. | An      annuity contract described in Code Section 403(b), including Voluntary      After-tax Contributions. |
|--------|----------|----|--------------------------------------------------------------------------------------------------------------|

|   | [ ] | e. | An      eligible plan under Code Section 457(b) which is maintained by a state,      political subdivision of a state, or an agency or instrumentality of a      state or political subdivision of astate. |
|--------|----------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | f. | A      Roth Elective Deferral Account if it is a Direct Rollover from another      Roth Elective Deferral Account under a Qualified Plan described in Code      Section 402A(e)(1) and only to the extent the rollover is permitted under      Code Section 402(c). |
|--------|----------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | H. | Deemed IRA      Contributions/Reserved: |
|--------|----|-----------------------------------------|

x]           1.           ThePlan does not accept any Deemed IRA contributions.

|   | [ ] | 2. | Deemed      IRA contributions may be made to this Plan for Plan Years beginning ___________ (may be no      earlier than January 1, 2003): |
|--------|----------|----|--------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | a. | In      accordance with the Traditional IRA rules as described in the Basic Plan      Document #01.  An Individual must meet the eligibility      requirements for participation in the Plan in order to make a “Deemed IRA”      contribution. |
|--------|----------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | b. | In      accordance with the Roth IRA rules as described in the Basic Plan Document      #01.  An Individual must meet the eligibility requirements for      participation in the Plan in order to make a “Deemed IRA”      contribution. |
|--------|----------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| [x] | I. | Safe Harbor Plan      Provisions: |
|-----|----|-----------------------------------|

|   | [ ] | a. | Only      the ADP Test Safe Harbor provisions are applicable.  A formula      in paragraphs (3), (4) or (5) below has been selected and the ADP Safe      Harbor has been satisfied. |
|--------|----------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | b. | Only      the ACP Test Safe Harbor provisions are applicable.   No      additional Matching Contributions would be needed in order to satisfy the      ACP Safe Harbor if the Plans satisfies the Basic or Enhanced      Match. |
|--------|----------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   |   | [x] | c. | Both      the ADP and ACP Test Safe Harbor provisions are applicable.  If      both ADP and ACP provisions areapplicable: |
|--------|--------|-----|----|-------------------------------------------------------------------------------------------------------------------------------------|

|   | [x] | i. | No      additional Matching Contributions will be made in any Plan Year in which      the Safe Harbor provisions areused. |
|--------|-----|----|---------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | ii. | The      Employer may make Matching Contributions in addition to any Safe Harbor      Matching Contributions elected below.  [Complete provisions in      Section VI(J) regarding Matching Contributions that will be made in      addition to those Safe Harbor Matching Contributions made      below.] |
|--------|----------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 2. | Designation of Alternate Plan      to Receive Safe Harbor Contribution:  If the Safe Harbor      Contribution as elected below is not being made to this Plan, the name of      the other plan that will receive the Safe Harbor Contribution is: | . |
|--------|----------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---|

|   | [ ] | 3. | Basic Matching Contribution      Formula:  Matching Contributions will be made on behalf      of Participants in an amount equal to 100% of the amount of the Eligible      Participant’s Elective Deferrals that do not exceed 3% of the      Participant’s Compensation and 50% of the amount of the Participant’s      Elective Deferrals that exceed 3% of the Participant’s Compensation but      that do not exceed 5% of the Participant’s  Compensation. |
|--------|----------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 4. | Enhanced Matching Contribution      Formula:  Matching Contributions will be made in an      amount equal to the sum of: |
|--------|----------|----|------------------------------------------------------------------------------------------------------------------------------------|

|   | a. | _________% of the      Participant’s Elective Deferrals that do not exceed _________% of the      Participant’s Compensation [insert a number that is three (3) or greater      but not greater than six (6); if a number greater than six (6) is inserted      or if left blank, this will not qualify as an Enhanced Matching      Contribution Formula and the ADP test will apply],  plus |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | b. | _________% of the      Participant’s Elective Deferrals that exceed _________% of the      Participant’s Compensation but do not exceed _________% of the      Participant’s Compensation [insert a number that is three (3) or greater      but not greater than six (6) in the second blank.  Both blanks      should be completed so that at any rate of Elective Deferrals, the      Matching Contribution is at least equal to the Matching Contribution      receivable if the Employer were making a Basic Matching      Contribution.  The rate of match cannot increase as Elective      Deferrals increase.  If a number greater than six (6) is      inserted or if left blank, this will not qualify as an Enhanced Matching      Contribution Formula and the ACP Test will  apply.] |
|--------|----------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [x] | 5. | Guaranteed Non-Elective      Contribution Formula:  The Employer shall make a      Non-Elective Contribution equal to 3% (not less than 3%) of      the Compensation of each EligibleParticipant. |
|--------|-----|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 6. | Flexible Non-Elective      Contribution Formula:  This provision provides the      Employer with the ability to amend the Plan to comply with the Safe Harbor      provisions during the Plan Year.  To provide such option, the      Employer must amend the Plan and indicate on Schedule C that the Safe      Harbor Non-Elective Contribution (not less than 3%) will be made for the      specified Plan Year.  Such election must comply with all the      applicable notice requirements. |
|--------|----------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 7. | Limitations on Safe Harbor      Matching Contributions:  If a Safe Harbor Matching      Contribution is made to the Plan: |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | a. | The      Employer elects to match Safe Harbor Matching Contributions on an annual      basis. |
|--------|----------|----|-----------------------------------------------------------------------------------------------|

|   | [ ] | b. | The      Employer elects to match actual Elective Deferrals  made: |
|--------|----------|----|--------------------------------------------------------------------|

|   | [ ] | i. | on      a payroll basis [Plan defaults to this  election]. |
|--------|----------|----|------------------------------------------------------------|

|   | [ ] | ii. | on      a monthly basis. |
|--------|----------|-----|--------------------------|

|   | [ ] | iii. | on      a Plan Year quarterly basis. |
|--------|----------|------|--------------------------------------|

|   | [ ] | iv. | The      Employer elects to true up Safe Harbor Matching Contributions made to the      Plan on the above basis. |
|--------|----------|-----|------------------------------------------------------------------------------------------------------------------|

|   | [ ] | c. | The      Employer will only contribute the Safe Harbor Contribution to Non-Highly      Compensated Employees. |
|--------|----------|----|---------------------------------------------------------------------------------------------------------------|

| [ ] | J. | Matching Employer      Contribution: |
|----------|----|--------------------------------------|

|   | [ ] | The      Matching Contribution(s) selected below will be deemed an additional      discretionary ACP Test Safe Harbor Matching Contribution in accordance      with the selection made at Section VI(I).  The allocation of any      additional Matching Contribution made by the Employer will not exceed 4%      of eligible Compensation. |
|--------|----------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | The      Matching Contribution(s) selected below will be deemed a discretionary      contribution that will be subject to nondiscrimination      testing. |
|--------|----------|-----------------------------------------------------------------------------------------------------------------------------------------------------------|

|   Type      ofContribution                                       |  Matching      Contribution (Formula 1) |  MatchingComputation      Period |    Limitations |  Matching      Contribution (Formula 2) |  MatchingComputationPeriod |    Limitations |
|----------------------------------------------------------------------------|----------------------------------------------|---------------------------------------|-------------------------------|----------------------------------------------|---------------------------------|-------------------------------|
| Elective Deferrals (including Roth Elective      Deferrals, if applicable) |                                         |                                  |                          |                                         |                            |                          |
| Voluntary After-tax                                                        |                                         |                                  |                          |                                         |                            |                          |
| RequiredAfter-tax                                                          |                                         |                                  |                          |                                         |                            |                          |
| 403(b) Deferrals                                                           |                                         |                                  |                          |                                         |                            |                          |

|   | If      any election is made with respect to “403(b) Deferrals” above, and if this      Plan is used to fund any Employer Contributions, Employer Contributions      will be based on the Elective Deferrals made to an existing 403(b) plan      sponsored by the Employer. |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | Name      of corresponding 403(b) plan, as    applicable:    |
|--------|-----------------------------------------------------------------------------|

|   | Matching Contribution      Formulas for Elective Deferrals and Roth Elective      Deferrals: |
|--------|----------------------------------------------------------------------------------------------|

| a.   | Percentage of Deferral      Match:  The Employer shall contribute to each eligible      Participant's account an amount equal to _________% (no more than      500%) of the Participant's Elective Deferrals up to a maximum of _________% (no more than      the Annual Addition limit for the Plan Year) of Compensation or $_________  [no more than the      Annual Addition limit for the PlanYear]. |
|----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| b.   | Uniform Dollar      Match:  The Employer shall contribute to each eligible      Participant’s account $________ (no more than      the Annual Addition limit for the Plan Year) if the Participant      contributes at least ________% (no more than      100%) of Compensation or $__________ [may be no      more than the Code Section 402(g) limit and Code Section 414(v) limit, if      applicable].  The Employer’s contribution will be made up to a      maximum of _____% (no more than the      Annual Addition limit for the Plan Year) of    Compensation. |
|----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | c. | Discretionary Match:  The      Employer shall have the right to make a Discretionary Matching      Contribution.  The Employer's Matching Contribution shall be      determined by the Employer with respect to each Plan Year’s eligible      Participants.  Such contribution shall be in the amount      specified and allocated as follows: |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | d. | Tiered Match:  The      Employer shall contribute to each eligible Participant's account an amount      equal to: |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------|

________%of the first 
________% (no more than 500%)of the Participant's Compensation contributed, and

|   | ________% of the next      ________% (no more      than 400%) of the Participant's Compensation contributed,    and |
|--------|---------------------------------------------------------------------------------------------------------------------|

|   | ________% of the next      ________% (no more      than 300%) of the Participant's Compensation  contributed. |
|--------|---------------------------------------------------------------------------------------------------------------|

 ] greater of (may be nomore than 500%) [
 ] lesser of (may be noless than 1%) 
_________% of Compensation, or$
__________ (no more than the AnnualAddition limit for the Plan Year).

|   | The      percentages specified above may not increase as the rate of Elective      Deferrals or Employee Contributions increase.  This formula must      meet Code Section 401(a)(4) and the ACPTest. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | e. | Percentage of Compensation      Match:  The Employer shall contribute to each eligible      Participant’s account ________% (no less than      1%) of Compensation if the eligible Participant contributes at least ________% (no more than      100%)  of Compensation. |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

 ] greater of (may be nomore than 500%) [
 ] lesserof  (may be no less than 1%) 
_________% of Compensation or$
__________ (no more than the AnnualAddition limit for the Plan Year).

|   | f. | Proportionate Compensation Match:  The      Employer shall contribute to each eligible Participant who defers at least      ________% (may be      no more than 100%) of Compensation, an amount determined by multiplying      such Employer Matching Contribution by a fraction, the numerator of which      is the Participant's Compensation and the denominator of which is the      Compensation of all Participants eligible to receive such an      allocation. |
|--------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

 ] greater of (may be nomore than 500%) [
 ] lesserof  (may be no less than 1%) 
_________% of Compensation or$
__________ (no more than the AnnualAddition limit for the Plan Year).

|   | [ ] | g. | Catch-Up      Contributions:  The Employer elects to match Catch-Up      Contributions under the same formula or formulas as elected      above. |
|--------|----------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | In      the event that an Excess Contribution is recharacterized as a Catch-up      Contribution, any Matching Contribution made thereon may remain in the      Plan if the Matching Contribution Formula is not otherwise      exceeded. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | Additional Matching      Contribution Formulas for Voluntary After-tax      Contributions: |
|--------|--------------------------------------------------------------------------------------------|

|   | h. | Percentage of Deferral      Match: The Employer shall contribute to each eligible Participant's      account an amount equal to ______% (no less than      1%) of the Participant's Contribution up to a maximum of ______% (may be no more      than 500%) of Compensation or $__________ [may be no      more than the Code Section 402(g) limit and Code Section 414(v) limit, if      applicable]. |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | i. | Uniform Dollar Match:      The Employer shall contribute to each eligible Participant’s account      $________ (no more      than the Annual Addition limit for the Plan Year) if the Participant      contributes at least ________% (may be no      more than 100%) of Compensation or $________ [may be no more      than the Code Section 402(g) limit and Code Section 414(v) limit, if      applicable].  The Employer’s contribution will be made up to the      maximum of _____%      (may be no more than 500%) ofCompensation. |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | j. | Discretionary Match:      The Employer shall have the right to make a Discretionary Matching      Contribution. The Employer's Matching Contribution shall be determined by      the Employer with respect to each Plan Year’s eligible      Participants.  Such contribution shall be in the amount      specified and allocated as follows: |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | Additional Matching      Contribution Formulas for Required After-tax      Contributions: |
|--------|-------------------------------------------------------------------------------------------|

|   | k. | Percentage of Deferral      Match: The Employer shall contribute to each eligible Participant's      account an amount equal to ________% no less than      1%) of the Participant's Contribution up to a maximum of ________% (may be no      more than 500%) of Compensation or $__________ [may be no      more than the Code Section 402(g) limit and Code Section 414(v) limit, if      applicable]. |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | l. | Uniform Dollar Match:      The Employer shall contribute to each eligible Participant’s account      $________ (no more      than the Annual Addition limit for the Plan Year) if the Participant      contributes at least _______% (may be no more      than 100%) of Compensation or $__________ [may be no      more than the Code Section 402(g) limit and Code Section 414(v) limit, if      applicable].  The Employer’s contribution will be made up to the      maximum of ______%      (may be no more than 500%) ofCompensation. |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | m. | Discretionary Match:      The Employer shall have the right to make a Discretionary Matching      Contribution.  The Employer's Matching Contribution shall be      determined by the Employer with respect to each Plan Year’s eligible      Participants.  Such contribution shall be in the amount      specified and allocated as follows: |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | Additional Matching      Contribution Formulas for 403(b)  Deferrals: |
|--------|-----------------------------------------------------------------------|

|   | n. | Percentage of Deferral      Match: The Employer shall contribute to each eligible Participant's      account an amount equal to ________% (no less than      1%) of the Participant's deferral up to a maximum of ________% (may be no      more than 500%) of Compensation or $__________ [may be no      more than the Code Section 402(g) limit and Code Section 414(v) limit, if      applicable]. |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | o. | Uniform Dollar Match:      The Employer shall contribute to each eligible Participant's account      $________ (no more      than the Annual Addition limit for the Plan Year) if the Participant      contributes at least ______% (may be no more      than 100%) of Compensation or $___________ [may be no      more than the Code Section 402(g) limit and Code Section 414(v) limit, if      applicable].  The Employer’s contribution will be made up to the      maximum of ______%      (may be no more than 500%) ofCompensation. |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | p. | Discretionary Match:      The Employer shall have the right to make a Discretionary Matching      Contribution. The Employer's Matching Contribution shall be determined by      the Employer with respect to each Plan Year’s eligible      Participants.  Such contribution shall be in the amount      specified and allocated as follows: |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 2. | Matching Contribution      Computation Period: The Compensation or any dollar      limitation imposed in calculating the Matching Contribution will be based      on the period selected below. Matching Contributions will be calculated on      the following basis: |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| a.   | Payroll      Based                                                      e.           Monthly |
|----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3.   | Limitations      on Matching Formulas: |
|----------------|----------------------------------------|

| a.   | Contributions to Participants      who are not Highly Compensated Employees: Contribution of the      Employer’s Matching Contribution will be made only to eligible      Participants who are Non-Highly Compensated  Employees. |
|----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | b. | Deferrals withdrawn prior to      the end of the Matching Computation Period:  Matching      Contributions (whether or not Qualified) will not be made on Employee      contributions withdrawn prior to the end of the [ ] Matching      Computation Period, or [ ] Plan      Year. |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | If      elected, this requirement shall apply in the event of a withdrawal      occurring as the result of a termination of employment for reasons of      retirement, Disability or death. |
|--------|----------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | c. | Maximum Plan Limit for Matching      Contributions: In no event will Matching Contributions exceed ______% (no more than      500%) of Compensation, or $_______ (no more than      the Annual Addition limit for the PlanYear). |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | If      elected, this limitation applies to the total of all Elective Deferrals,      Roth Elective Deferrals, Catch-Up Contributions, Voluntary After-tax      Contributions,  Required After-tax Contributions and 403(b)      Deferrals made to the Plan for the PlanYear. |
|--------|----------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | d. | True Up of Matching      Contributions:  The Employer elects to true up Matching      Contributions made to the Plan. |
|--------|----|---------------------------------------------------------------------------------------------------------------------------------|

| [x] | K. | Non-Elective Employer      Contributions: |
|-----|----|-------------------------------------------|

| Type of Contribution   | Allocation Method |
|------------------------|-------------------|
| Non-Elective Formula 1 | 3                 |
| Non-Elective Formula 2 |              |

|   | 1. | Pro-Rata      Formula:  The Employer’s contribution for the Plan Year      shall be allocated to each eligible Participant on a pro-rata basis based      on the Compensation of the Participant to the total Compensation of all      Participants. |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 2. | Uniform Percentage Formula:      The Employer’s contribution shall be allocated to each eligible      Participant as a uniform percentage of the Employer’s Net      Profit. |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 3. | Percentage of Compensation      Formula: The Employer’s contribution shall be 1.5% of each      Participant's Compensation allocated on a pro-rata basis based on the      Compensation of the Participant to the total Compensation of all      Participants.  Applicable to newly      eligible employees hired on or after January 1,    2009. |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 4. | Hours of Service      Formula:  The Employer’s contribution shall be a      discretionary amount | allocated      in the same dollar amount to each eligible Participant based on each Hour      of | Service      performed or each day that the Participant is entitled to      Compensation. |
|--------|----|------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------|

|   | 5. | Uniform Dollar Amount      Formula:  The Employer shall contribute and allocate to      the account of each eligible Participant an equal dollar      amount. |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 6. | Excess Integrated Contribution      Formula:  The Employer’s contribution shall be      allocated as      an amount taking into consideration amounts contributed to Social Security      using the four-step Excess Integrated Allocation Formula as described in      the Basic Plan Document #01; the Integration Level is defined at Section      III(E) of this Adoption Agreement. |
|--------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 7. | Base Integrated Contribution      Formula:  The Employer’s contribution shall be      allocated as      an amount taking into consideration amounts contributed to Social Security      using the two-step Base Integrated Allocation Formula as described in the      Basic Plan Document #01; Employer Contributions shall be allocated as      follows: _____% of      each eligible Participant's Compensation, plus _____% of Compensation      in excess of the Integration Level defined at Section III(E)      hereof.  If the Integration Level selected in Section III(E) is      other than the Taxable Wage Base, the maximum disparity rate will be      adjusted as follows: (a) if the Integration Level selected is greater than      zero (0) but not more than the greater of $10,000 or 20% of the Taxable      Wage Base, the maximum disparity rate will be 5.7%; (b) if the Integration      Level selected is more than the greater of $10,000 or 20% but not more      than 80% of the Taxable Wage Base, the maximum disparity rate will be      4.3%; (c) if the Integration Level selected is more than 80% of the      Taxable Wage Base, but not more than any amount more than 80% of the      Taxable Wage Base, but less than 100% of the Taxable Wage Base, the      maximum disparity rate will be5.4%. |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 8. | Uniform Points Contribution      Formula: The allocation for each eligible Participant will be      determined by a uniform points method. Each eligible Participant’s      allocation shall bear the same relationship to the Employer contribution      as the Participant’s total points bears to all points      awarded.  The Employer must grant points for at least age or      Service.  Each eligible Participant will receive _____ points for each of      the following: |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | a. | _____ year(s) of      age. |
|--------|----------|----|----------------------------|

|   | [ ] | b. | _____ Year(s) of Service      determined: |
|--------|----------|----|-------------------------------------------|

|   | [ ] | i. | In      the same manner as determined foreligibility. |
|--------|----------|----|-------------------------------------------------------|

|   | [ ] | ii. | In      the same manner as determined forvesting. |
|--------|----------|-----|---------------------------------------------------|

|   | [ ] | iii. | Points      will not be awarded with respect to Year(s) of Service in excess of _____. |
|--------|----------|------|----------------------------------------------------------------------------------------|

 ]           c.           $
_________ (not to exceed $200)of Compensation.

|   | The      contribution formulas must satisfy the design-based safe harbors described      in the Regulations under Code Section401(a)(4). |
|--------|------------------------------------------------------------------------------------------------------------------------------------------|

|   | L. | Qualified Matching (QMAC) and      Qualified Non-Elective (QNEC) Employer Contribution      Formulas: |
|--------|----|-------------------------------------------------------------------------------------------------------|

|   | [ ] | 1. | QMAC Contribution      Formula:  The Employer may contribute to each eligible      Participant’s Qualified Matching Contribution account an amount equal to      (select one or more of      the following): |
|--------|----------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ]           a. | $_________ or ______% of the      Participant’s Elective Deferrals (including Roth Elective Deferrals, if      applicable). |
|--------|------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------|

|   | [ ]           b. | $_________ or ______% of the      Participant’s Elective Deferrals (including      Roth                                                                                                                                                        Elective      Deferrals, if applicable) not to exceed ______% of      Compensation. |
|--------|------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | c. | $_________ or ______% of the      Participant's Voluntary After-taxContributions. |
|--------|----------|----|-----------------------------------------------------------------------------------|

|   | [ ] | d. | $_________ or ______% of the      Participant’s Required After-taxContributions. |
|--------|----------|----|----------------------------------------------------------------------------------------|

|   | [ ] | 2. | Discretionary QMAC Contribution      Formula:  The Employer shall have the right to make a      discretionary QMAC contribution.  The Employer's Matching      Contribution shall be determined by the Employer with respect to each Plan      Year’s eligible Participants.  Such contribution shall be in the      amount specified and allocated as follows: |
|--------|----------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | This      part of the Employer's contribution shall be fully vested when      made. |
|--------|-------------------------------------------------------------------------------------|

|   | [ ] | 3. | QNEC Contribution      Formula: The Employer may contribute to each eligible Participant’s      Qualified Non-Elective Contribution account an amount equal to (select one      or more of the following): |
|--------|----------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | a. | _____% of Compensation      of all eligible Participants. This part of the Employer’s contributions      shall be fully vested when made. |
|--------|----------|----|-------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | b. | $__________ not to exceed      ___% of      Compensation. This part of the Employer’s contribution shall be fully      vested when made and subject to the limitations specified in the Basic      Plan Document #01. |
|--------|----------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 4. | Discretionary Percentage QNEC      Contribution Formula:  The Employer shall have the right      to make a discretionary QNEC contribution which shall be allocated to each      eligible Participant’s account in proportion to his or her Compensation as      a percentage of the Compensation of all eligible      Participants.  This part of the Employer's contribution shall be      fully vested when made.  This contribution will be made      to: |
|--------|----------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

 ]           a.           Alleligible Participants.

|   | [ ] | b. | Only      eligible Participants who are Non-Highly Compensated      Employees. |
|--------|----------|----|--------------------------------------------------------------------------------|

|   | [ ] | 5. | Discretionary Uniform Dollar      QNEC Contribution Formula: The Employer shall have the right to      make a discretionary QNEC contribution which shall be allocated to each      eligible Participant’s account in a uniform dollar amount to be determined      by the Employer and allocated in a nondiscriminatory      manner.  This part of the Employer’s contribution shall be fully      vested when made. This contribution will be made  to: |
|--------|----------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

]           a.           Alleligible Participants.

|   | [ ] | b. | Only      eligible Participants who are Non-Highly Compensated      Employees. |
|--------|----------|----|--------------------------------------------------------------------------------|

|   | [ ] | 6. | Corrective QNEC Contribution      Formula:  The Employer shall have the right to make a      QNEC contribution in the amount necessary to pass the ADP/ACP Test or the      maximum permitted under Code Section 415. This contribution will be      allocated to some or all Non-Highly Compensated Participants designated by      the Plan Administrator. The allocation will be the lesser of the amount      required to pass the ADP/ACP Test, or the maximum permitted under Code      Section 415. This part of the Employer's contribution shall be fully      vested when made. |
|--------|----------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 7. | Qualified Matching      Contributions (QMAC): |
|--------|----------|----|-----------------------------------------------|

|   | [ ] | a. | For      purposes of the ADP and ACP Tests, all Matching Contributions made to the      Plan will be deemed “Qualified” for purposes of calculating the Actual      Deferral Percentage and/or Actual Contribution Percentage.  All      Matching Contributions must be fully vested when  made. |
|--------|----------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | b. | For      purposes of the ADP and ACP Tests, only Matching Contributions made to the      Plan that are needed to meet the Actual Deferral Percentage or Actual      Contribution Percentage Test will be deemed “Qualified” for purposes of      calculating the Actual Deferral Percentage and/or Actual Contribution      Percentage. All such Matching      Contributions used must be fully vested when  made. |
|--------|----------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

 ]           8.           Qualified Non-Elective Contributions(QNEC):

|   | [ ] | a. | For      purposes of the ADP and  ACP Tests, all Non-Elective      Contributions made to the Plan will be deemed “Qualified” for purposes of      calculating the Actual Deferral Percentage and/or Actual Contribution      Percentage. All Non-Elective      Contributions must be fully vested whenmade. |
|--------|----------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | b. | For      purposes of the ADP and ACP Tests, only the Non-Elective Contributions      made to the Plan that are needed to meet the Actual Deferral Percentage or      Actual Contribution Percentage Test will  be deemed “Qualified”      for purposes of calculating the Actual Deferral Percentage and/or Actual      Contribution Percentage. All such      Non-Elective Contributions used must be fully vested when      made. |
|--------|----------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

x]           M.           Additional AdoptingEmployers:

|   | [x] | 1. | All      participating Employers’ contributions and forfeitures, if applicable,      attributable to each specific contribution source made by such Employer      shall be pooled together and allocated uniformly among all eligible      Participants. |
|--------|-----|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 2. | Each      participating Employer’s contribution and forfeitures, if applicable,      attributable to each specific contribution source made by such Employer      shall be allocated only to eligible Participants of the participating      Employer. |
|--------|----------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [x] | 1. | There      are no allocation requirements for Participants to receive any      contribution made to the Plan; however, a Participant must have received      Compensation from the Employer to be entitled to an allocation of      contributions. |
|--------|-----|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 2. | Employer      contributions will be allocated to all Participants employed on the last      day of the Plan Year regardless of hoursworked. |
|--------|----------|----|---------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 3. | The      Plan is using the Elapsed Time method; contributions will be allocated to      all Participants who have completed _____ [not more than      twelve (12)] months of Service regardless of the hours      credited.  If left blank, the Plan will use twelve (12)      months. |
|--------|----------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 4. | Employer      contributions for a Plan Year will be allocated to all Participants upon      completion of the hours and/or employment requirements    below. |
|--------|----------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | a. | A      Year of Service for allocation accrual purposes cannot be less than one      (1) Hour of Service nor greater than 1,000 hours by operation of law. If      left blank, the Plan will use 1,000 hours.  Enter whole digit      numbers only. |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Contribution      Type                |           Hours |
|---------------------------------------|-------------------------------------------------------------------|
| All contributions                     |                                                              |
| Matching Contribution (Formula 1)     |                                                              |
| Matching Contribution (Formula 2)     |                                                              |
| Non-Elective Contribution (Formula 1) |                                                              |
| Non-Elective Contribution (Formula 2) |                                                              |
| QNEC                                  |                                                              |
| QMAC                                  |                                                              |

|   | b. | Participants      must be employed on the last day of each quarter of the Plan Year in order      to receive the followingcontribution(s): |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | All      contributions |
|--------|----------|------------------------|

|   | [ ] | Matching      Contribution (Formula 1) |
|--------|----------|----------------------------------------|

|   | [ ] | Matching      Contribution (Formula 2) |
|--------|----------|----------------------------------------|

|   | [ ] | Non-Elective      Contribution (Formula 1) |
|--------|----------|--------------------------------------------|

|   | [ ] | Non-Elective      Contribution (Formula 2) |
|--------|----------|--------------------------------------------|

|   | [ ] | QNEC |
|--------|----------|------|

|   | [ ] | QMAC |
|--------|----------|------|

|   | c. | Participants      must be employed on the last day of the Plan Year in order to receive the      following contribution(s): |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | All      contributions |
|--------|----------|------------------------|

|   | [ ] | Matching      Contribution (Formula 1) |
|--------|----------|----------------------------------------|

|   | [ ] | Matching      Contribution (Formula 2) |
|--------|----------|----------------------------------------|

|   | [ ] | Non-Elective      Contribution (Formula 1) |
|--------|----------|--------------------------------------------|

|   | [ ] | Non-Elective      Contribution (Formula 2) |
|--------|----------|--------------------------------------------|

|   | [ ] | QNEC |
|--------|----------|------|

|   | [ ] | QMAC |
|--------|----------|------|

|   | [ ] | d. | Participants      must complete the Hours of Service indicated above or be employed      on the last day of the Plan Year to receive the Employer Contribution(s)      selected above. |
|--------|----------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 5. | Employer      Contributions for a Plan Year will be allocated to terminated Participants      who have met the following allocation accrual requirements (check all applicable      boxes): |
|--------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

 ]                               [
 ]               [
 ]               [
 ]              [
 ]        [
]                 [
 ]

 ]                               [
 ]               [
 ]               [
 ]              [
 ]        [
 ]                 [
 ]

 ]                               [
 ]               [
 ]               [
 ]              [
 ]        [
 ]                 [
 ]

| iv.   | Other      (must be non- |
|-----------------|--------------------------|

                            [
 ]                               [
 ]               [
 ]               [
 ]              [
 ]        [
 ]                 [
 ]

|   | b. | The      last day of employment |
|--------|----|---------------------------------|

|   | requirement      above will be |
|--------|--------------------------------|

|   | waived      if termination is due to: |
|--------|---------------------------------------|

]                               [
 ]               [
 ]               [
 ]              [
 ]        [
 ]                 [
 ]

 ]                               [
 ]               [
 ]               [
 ]              [
 ]        [
 ]                 [
 ]

 ]                               [
 ]               [
 ]               [
 ]              [
 ]        [
 ]                 [
 ]

| iv.   | Other      (must be non- |
|-----------------|--------------------------|

                              [
 ]                               [
 ]               [
]               [
 ]              [
 ]        [
 ]                 [
 ]

| [ ] | B. | Contributions to Disabled      Participants: |
|----------|----|----------------------------------------------|

|   | The      Employer will make contributions on behalf of a Participant who is      permanently and totally disabled. These contributions will be based on the      Compensation each such Participant would have received for the Limitation      Year if the Participant had been paid at the rate of Compensation paid      immediately before becoming permanently and totally      disabled.  Such imputed Compensation for the disabled      Participant may be taken into account only if the Participant is not a      Highly Compensated Employee.  These contributions will be 100%      vested when made. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| VIII. | DISPOSITION      OF FORFEITURES |
|-------|---------------------------------|

| [x] | 1. | Not      applicable; all contributions are fullyvested. |
|-----|----|---------------------------------------------------------|

|   | [ ] | 2. | Select      one or more methods in which forfeitures associated with the contribution      type will be allocated (number each item in order of      use): |
|--------|----------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | Employer Contribution      Type |
|--------|---------------------------------|

| Disposition      Method | Matching      Contributions | Contributions |
|-------------------------|-----------------------------|---------------|

|   | a. | Restoration      of Participant’s forfeitures. |   |   |   |   |   |   |
|--------|----|------------------------------------------------------|--------|--------|--------|--------|--------|--------|

|   | b. | Used      to offset Plan expenses. |       __________ | ______________ |
|--------|----|------------------------------------|------------------------------------------------|----------------|

|   | c. | Used      to reduce the Employer’s |
|--------|----|------------------------------------------|

| Non-Elective      Contribution. |   |   |   |   |   |   |
|---------------------------------|--------|--------|--------|--------|--------|--------|

| Matching      Contribution. |   |   |   |   |   |   |
|-----------------------------|--------|--------|--------|--------|--------|--------|

|   | e. | Added      to the Employer’s contribution |
|--------|----|-------------------------------------------------|

|   | (other      than Matching Contributions or |
|--------|--------------------------------------------|

| Base      Integration Formula) under the Plan. |   |   |   |   |   |   |
|------------------------------------------------|--------|--------|--------|--------|--------|--------|

|   | Contribution      under the Plan (these |
|--------|-----------------------------------------|

|        contributions      will be subject to ACP Testing). | ___ | _________           _____________ |
|-----------------------------------------------------------------------------------------------|-----|-------------------------------------------------------------------------------------|

|   | g. | Allocate      to all Participants |
|--------|----|-----------------------------------|

|   | eligible      to share in the allocations |
|--------|-------------------------------------------|

|   | in      the same proportion that each |
|--------|---------------------------------------|

|   | Participant’s      Compensation for the |
|--------|-----------------------------------------------|

|   | year      bears to the Compensation of all |
|--------|--------------------------------------------|

| other      Participant’s for such year. | N/A |   |   |   |   |   |
|-----------------------------------------------|-----|--------|--------|--------|--------|--------|

| Participant’s      Compensation for the year. | N/A |   |   |   |   |   |
|-----------------------------------------------------|-----|--------|--------|--------|--------|--------|

| Participant’s      Elective Deferrals for the year. |   |   |   |   | N/A |   |
|-----------------------------------------------------------|--------|--------|--------|--------|-----|--------|

| for      such year. |   |   | N/A |   |   |   |
|---------------------|--------|--------|-----|--------|--------|--------|

|   | If      no timely distribution or deemed distribution [pursuant to paragraph      6.5(c) of the Basic Plan Document #01] has been made to a former      Participant, non-vested portions shall be forfeited at the end of the Plan      Year during which the former Participant incurs his or her fifth      consecutive one (1) year Break in Service or Period of Severance for Plans      that use the Elapsed Time Method. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | If      a former Participant has received the full amount of his or her Vested      Account Balance, the non-vested portion of his or her account shall be      forfeited and be disposed of: |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 1. | during      the Plan Year following the Plan Year in which the forfeiture      arose. |
|--------|----------|----|---------------------------------------------------------------------------------------|

|   | [ ] | 2. | as      of any Valuation or Allocation Date during the Plan Year (or as soon as      administratively feasible following the close of the Plan Year) in which      the former Participant receives full payment of his or her vested      benefit. |
|--------|----------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 3. | as      of the end of the Plan Year during which the former Participant receives      full payment of his or her vestedbenefit. |
|--------|----------|----|---------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 4. | as      of the earlier of the first day of the Plan Year, or the first day of the      seventh month of the Plan Year following the date on which the former      Participant has received full payment of his or her vested      benefit. |
|--------|----------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 5. | as      of the next Valuation or Allocation Date following the date on which the      former Participant receives full payment of his or her vested      benefit. |
|--------|----------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| IX. | MULTIPLE      PLANS MAINTAINED BY THE EMPLOYER AND TOP-HEAVY      CONTRIBUTIONS |
|-----|---------------------------------------------------------------------------------|

| [x] | A. | Plans Maintained By The      Employer: |
|-----|----|----------------------------------------|

| [x]          1. | The      provisions of Article X of the Basic Plan Document #01 will apply as if      the other plan were   a Master or Prototype      Plan. |
|-------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 2. | The      Employer has specified below the method under which the plans will limit      total Annual  Additions to the Maximum Permissible Amount, and      will properly reduce any Excess Amounts in a manner that precludes      Employer discretion: |
|--------|----------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

                                                                                       

|   | In      the event the Plan is or becomes Top-Heavy, the minimum contribution or      benefit required under Code Section 416 and paragraph 14.3 of the Basic      Plan Document #01 relating to Top-Heavy Plans shall be satisfied in the      elected manner: |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [x] | 1. | The      minimum contribution will be satisfied by this  Plan. |
|--------|-----|----|----------------------------------------------------------------|

|   | [ ] | 2. | The      minimum contribution will be satisfied by (name of other Qualified      Plan):  ________ |
|--------|----------|----|-------------------------------------------------------------------------------------------------------------|

|   | Minimum      contribution or benefit to be provided (specify interest rates and      mortality table, if applicable): |
|--------|-----------------------------------------------------------------------------------------------------------------------|

|   | 3. | For      any Plan Year during which the Plan is Top-Heavy, the sum of the      contributions (excluding Elective Deferrals) allocated to non-Key      Employees shall not be less than the amount required under the Basic Plan      Document #01.  Top-Heavy minimums will be allocated      to: |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

x]           a.           alleligible Participants [Plan defaults to this election].

| [ ] | b. | only      eligible non-Key Employees who areParticipants. |
|-----|----|-----------------------------------------------------------|

|   | [ ] | 4. | Matching      Contributions shall not  be included when satisfying Top-Heavy      minimum contributions. |
|--------|----------|----|--------------------------------------------------------------------------------------------------------------------|

| A.   | Testing      Elections: |
|----------------|-------------------------|

|   | [x] | 1. | The      Plan is not subject to ADP or ACP testing.  The Plan does not      offer Voluntary After-tax  or Required After-tax Contributions      and it either meets the Safe Harbor provisions of Section VI(I) of this      Adoption Agreement, or it does not benefit any Highly Compensated      Employees. |
|--------|-----|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 2. | This      Plan is using the Current Year testing method for purposes of the ADP      Test. |
|--------|----------|----|--------------------------------------------------------------------------------------------|

|   | [ ] | 3. | This      Plan is using the Current Year testing method for purposes of the ACP      Test. |
|--------|----------|----|--------------------------------------------------------------------------------------------|

|   | [ ] | 4. | This      Plan is using the Prior Year testing method for purposes of the ADP      Test. |
|--------|----------|----|------------------------------------------------------------------------------------------|

|   | [ ] | 5. | This      Plan is using the Prior Year testing method for purposes of the ACP      Test. |
|--------|----------|----|------------------------------------------------------------------------------------------|

|   | Complete      only when Prior Year testing method election is made and the Employer is      not using the “deemed 3%” rule. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 1. | If      this is not a successor Plan, then for the first Plan Year this Plan      permits any Participant to make Elective Deferrals, the ADP used in the      ADP Test for Participants who are Non-Highly Compensated Employees shall      be such first Plan Year’s ADP. |
|--------|----------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 2. | If      this is not a successor Plan, then for the first Plan Year this Plan      permits (a) any Participant to make Employee contributions, (b) provides      for Matching Contributions or (c) both, the ACP used in the ACP Test for      Participants who are Non-Highly Compensated Employees shall be such first      Plan Year’s ACP. |
|--------|----------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| [ ] | C. | Recharacterization: |
|----------|----|---------------------|

 ]           D.           Forfeitures of Vested ExcessAggregate Contributions Resulting from ADP Test Failure:

|   | Forfeitures      of Excess Aggregate Contributions resulting from failure of the ADP Test      and the inability to distribute corresponding Matching Contributions will      be allocated to the Matching Contribution accounts of Non-Highly      Compensated Employees instead of being used to reduce Employer      Contributions for the Plan Year in which the failure    occurred. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| XI. | VESTING |
|-----|---------|

| [x] | 1. | Not      applicable.  All contributions are fully  vested. |
|-----|----|----------------------------------------------------------------------|

| [ ] | 2. | Elapsed      Time method. |
|----------|----|---------------------------|

|   | [ ] | 3. | Hours      of Service method.  A Year of Service will be credited upon      completion of __________ Hours of      Service.  A Year of Service for vesting purposes will not be      less than one (1) Hour of Service nor greater than 1,000 hours by      operation of law.  [If left blank, the Plan will use 1,000      hours.] |
|--------|----------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | a. | shall      commence on the date on which an Employee first performs an Hour of      Service for the Employer and each subsequent twelve (12) consecutive month      period shall commence on the anniversary  thereof. |
|--------|----------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | b. | shall      commence on the first day of the Plan Year during which an Employee first      performs an Hour of Service for the Employer and each subsequent twelve      (12) consecutive month period shall commence on the anniversary      thereof. |
|--------|----------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

___%                     100%

___%                      
___%                      100%

___%                        20%             40%               60%                     80%                 100%

___%                 
___%                 
___%                      
___%              
___%              100%

1                      All Employer Contributions

                        Matching Contribution (Formula1)

                        Matching Contribution (Formula2)

                        Match on Voluntary After-taxContributions

                        Match on Required After-taxContributions

                        Match on 403(b) Deferrals

1                      Non-Elective Contribution (Formula1)

1                      Non-Elective Contribution (Formula2)

1                      Top-Heavy MinimumContribution

|   | [x] | 1. | Not      applicable.  All Service is  recognized. |
|--------|-----|----|-------------------------------------------------------------|

|   | [ ] | 2. | Service      prior to the Effective Date of this Plan or a predecessor plan is      disregarded when computing a Participant's vested and nonforfeitable      interest. |
|--------|----------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ]            3. | Service      prior to a Participant having attained age eighteen (18) is disregarded      when computing a Participant's vested and nonforfeitable      interest. |
|--------|------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| [ ] | D. | Full Vesting of Employer      Contributions for CurrentParticipants: |
|----------|----|----------------------------------------------------------------------|

|   | Notwithstanding      the elections above, all Employer contributions made to a Participant’s      account shall be 100% fully vested if the Participant is employed on the      Effective Date of the Plan (or such other date as entered herein): _________________.  The      operation of this provision may not result in the discrimination in favor      of Highly Compensated Employees. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| XII.   | SERVICE      WITH PREDECESSOR ORGANIZATION |
|------------------|--------------------------------------------|

| [ ] | A. | Not      applicable.  The Employer does not maintain the plan of a      Predecessor Organization. |
|----------|----|-------------------------------------------------------------------------------------------------------------|

| [ ] | B. | The      Plan will recognize Service with all Predecessor      Organizations. |
|----------|----|-------------------------------------------------------------------------------|

| [x] | C. | Service      with the following organization(s) will be recognized for the Plan purpose      indicated: |
|-----|----|---------------------------------------------------------------------------------------------------------|

| The Gallup Water Service,      Inc. | [x]      | [ ] | [x]      |
|-------------------------------------|----------|----------|----------|
| The Barnstable Water      Company   | [x]      | [ ] | [x]      |
| The Crystal Water      Company      | [x]      | [ ] | [x]      |
|                                | [ ] | [ ] | [ ] |
|                                | [ ] | [ ] | [ ] |

|   | [ ] | D. | The      Plan shall recognize _____ Years of Service      with the Employer(s) named in Section XII(C)  above. |
|--------|----------|----|----------------------------------------------------------------------------------------------------------------|

| XIII. | IN-SERVICE      WITHDRAWALS |
|-------|-----------------------------|

 ]           1.           In-servicewithdrawals are not permitted in the Plan.

|   | [x] | 2. | In-service      withdrawals are permitted in the Plan.  Participants may      withdraw the following contribution types after meeting the following      requirements (select one      or more of the followingoptions): |
|--------|-----|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

 ]         [
 ]         n/a         n/a         n/a

 ]         n/a         n/a         [
 ]         [
x]         n/a         n/a         n/a

 ]         n/a         n/a         [
 ]         [
 ]         n/a         n/a         n/a

 ]         [
 ]         [
 ]         [
 ]         [
 ]         n/a         n/a                 n/a

 ]         [
 ]         [
 ]         [
 ]         [
 ]         n/a         n/a                 n/a

 ]         [
x]         [
 ]         [
 ]         [
 ]         n/a         n/a                 n/a

 ]         n/a         [
 ]         [
 ]         [
 ]         [
 ]         [
 ]         [
 ]

 ]         n/a         [
 ]         [
 ]         [
 ]         [
 ]         [
 ]         [
 ]

 ]         n/a         [
 ]         [
 ]         [
 ]         [
 ]         [
 ]                 [
 ]

 ]         n/a         [
 ]         [
 ]         [
 ]         [
 ]         [
 ]                 [
 ]

 ]         n/a         n/a         [
 ]         [
 ]         n/a         n/a         n/a

 ]         n/a         n/a         [
 ]         [
 ]         n/a         n/a         n/a

 ]         n/a         n/a         [
 ]         [
 ]         n/a         n/a         n/a

 ]         n/a         n/a         [
 ]         [
 ]         n/a         n/a         n/a

|   | C. | Participants      having completed five (5) years of Plan participation may elect to      withdraw all or any part of their Vested Account  Balance. |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | D. | Participants      may withdraw all or any part of their Account Balance after having      attained the Plan’s Normal Retirement Age (Normal Retirement Age cannot be      less than age 59½ for in-service withdrawal of Elective Deferrals, Roth      Elective Deferrals, Safe Harbor Contributions, QMACs or      QNECs). |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | E. | Participants      may withdraw all or any part of their Vested Account Balance after having      attained age 59.5      (not less than age 59½). |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | F. | Participants      may elect to withdraw all or any part of their Vested Account Balance      which has been credited to their account for a period in excess of two (2)      years. |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | G. | Available      for withdrawal only if the Participant is 100% vested  (an      election at (C), (D), (E) or (F) must also be  made). |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------|

| H.   | All      requirements selected in (C) through (G) above must be satisfied prior to      a distribution being made from thePlan. |
|----------------|---------------------------------------------------------------------------------------------------------------------------------|

x]           3.           In-servicewithdrawals may be made to Participants who have attained age 70½.

|   | [ ] | 1. | Hardship      withdrawals are not permitted in thePlan. |
|--------|----------|----|---------------------------------------------------------|

|   | [x] | 2. | Hardship      withdrawals are permitted in the Plan and will be taken from the      Participant’s account as follows (select one or more of these      options): |
|--------|-----|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [x] | a. | Participants      may withdraw Elective Deferrals. |
|--------|-----|----|----------------------------------------------------|

|   | [ ]            b. | Participants      may withdraw Elective Deferrals and any earnings credited as of December      31, 1988 (or if later, the end of the last Plan Year ending before July 1,      1989). |
|--------|------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | c. | Participants      may withdraw Roth ElectiveDeferrals. |
|--------|----------|----|--------------------------------------------------------|

|   | [ ] | d. | Participants      may withdraw Rollover Contributions plus their  earnings. |
|--------|----------|----|-----------------------------------------------------------------------------|

|   | [ ] | e. | Participants      may withdraw vested Non-Elective Contributions (Formula 1) plus their      earnings. |
|--------|----------|----|--------------------------------------------------------------------------------------------------------|

|   | [ ] | f. | Participants      may withdraw vested Non-Elective Contributions (Formula 2) plus their      earnings. |
|--------|----------|----|--------------------------------------------------------------------------------------------------------|

|   | [ ] | g. | Participants      may withdraw fully vested Non-Elective Contributions (Formula 1) plus      their earnings. |
|--------|----------|----|--------------------------------------------------------------------------------------------------------------|

|   | [ ] | h. | Participants      may withdraw fully vested Non-Elective Contributions (Formula 2) plus      their earnings. |
|--------|----------|----|--------------------------------------------------------------------------------------------------------------|

|   | [ ] | i. | Participants      may withdraw vested Employer Matching Contributions (Formula 1) plus their      earnings. |
|--------|----------|----|-------------------------------------------------------------------------------------------------------------|

|   | [ ] | j. | Participants      may withdraw vested Employer Matching Contributions (Formula 2) plus their      earnings. |
|--------|----------|----|-------------------------------------------------------------------------------------------------------------|

|   | [ ] | k. | Participants      may withdraw Qualified Matching Contributions and Qualified Non-Elective      Contributions plus their earnings, and the earnings on Elective Deferrals      which have been credited to the Participant’s account as of December 31,      1988 (or if later, the end of the last Plan Year ending before July 1,      1989). |
|--------|----------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| XIV. | LOAN      PROVISIONS |
|------|----------------------|

| [ ] | A. | Participant      loans are not available from thePlan. |
|----------|----|--------------------------------------------------------|

| [x] | B. | Participant      loans are permitted in accordance with the Employer’s established loan      procedures. |
|-----|----|----------------------------------------------------------------------------------------------------------------|

|   | [ ] | C. | Loan      payments will be suspended under the Plan as permitted under Code Section      414(u) in compliance with the Uniformed Services Employment and      Reemployment Rights Act of 1994. |
|--------|----------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| XV. | INVESTMENT      MANAGEMENT |
|-----|----------------------------|

|   | [ ] | 1. | The      Employer shall appoint a discretionary Trustee to manage the assets of the      Plan. |
|--------|----------|----|------------------------------------------------------------------------------------------------|

|   | [ ] | 2. | The      Employer shall retain investment management responsibility and/or      authority.  Unless otherwise appointed, the Trustee shall act in      a nondiscretionary capacity. |
|--------|----------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [x] | 3. | The      party designated below shall be responsible for the investment of the      Participant’s account. By selecting a box, the Employer is making a      designation as to who will have authority to issue investment directives      with respect to the specified contribution type (check all applicable      boxes): |
|--------|-----|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| . | a. | All      Contributions | n/a | n/a | [x] |
|---|----|------------------------|-----|-----|-----|

|   | b. | Elective      Deferrals/Roth Elective Deferrals | [ ] | [ ] | [ ] |
|--------|----|-------------------------------------------------|----------|----------|----------|

|   | c. | Voluntary      After-tax Contributions |          [ ] |        [ ] |   [ ] |
|--------|----|----------------------------------------|----------------------------------------------------------------|----------------------------------------------------|----------------------|

|   | d. | Required      After-tax Contributions | [ ] | [ ] | [ ] |
|--------|----|---------------------------------------|----------|----------|----------|

|   | e. | Safe      Harbor Contributions | [ ] | [ ] | [ ] |
|--------|----|--------------------------------|----------|----------|----------|

|   | f. | Matching      Contributions (Formula 1) | [ ] | [ ] | [ ] |
|--------|----|-----------------------------------------|----------|----------|----------|

|   | g. | Matching      Contributions (Formula 2) | [ ] | [ ] | [ ] |
|--------|----|-----------------------------------------|----------|----------|----------|

|   | h. | QMACs | [ ] | [ ] | [ ] |
|--------|----|-------|----------|----------|----------|

|   | i. | QNECs | [ ] | [ ] | [ ] |
|--------|----|-------|----------|----------|----------|

|   | j. | Non-Elective      Contributions (Formula 1) | [ ] | [ ] | [ ] |
|--------|----|---------------------------------------------|----------|----------|----------|

|   | k. | Non-Elective      Contributions (Formula 2) | [ ] | [ ] | [ ] |
|--------|----|---------------------------------------------|----------|----------|----------|

|   | l. | Rollover      Contributions | [ ] | [ ] | [ ] |
|--------|----|-----------------------------|----------|----------|----------|

|   | m. | Deemed      IRA Contributions | [ ] | [ ] | [ ] |
|--------|----|-------------------------------|----------|----------|----------|

|   | To      the extent that Participant self-direction was previously permitted, the      Employer shall have the right to either make the assets part of the      general fund, or leave them as self-directed subject to the provisions of      the Basic Plan Document #01. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| B.   | Limitations      on Participant DirectedInvestments: |
|----------------|------------------------------------------------------|

|   | [x] | 1. | Participants      are permitted to invest among only those investment alternatives made      available by the Employer under thePlan. |
|--------|-----|----|---------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 2. | Participants      are permitted to invest in any investment alternative permitted under the      Basic Plan Document #01 |
|--------|----------|----|--------------------------------------------------------------------------------------------------------------------------|

| [ ] | C. | Insurance: |
|----------|----|------------|

| XVI. | DISTRIBUTION OPTIONS |
|------|---------------------------|

|   | A. | Timing of Distributions[both      (1) and (2) must be completed]: |
|--------|----|-------------------------------------------------------------------|

|   | 1. | Distributions      payable as a result of termination for reasons other than death,      Disability or retirement shall be paid c[select from the list at      (A)(3) below]. |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 2. | Distributions      payable as a result of termination for death, Disability or retirement      shall be paid c[select from the list at      (A)(3) below]. |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 3. | Distribution      Options: |
|--------|----|----------------------------|

|   | a. | As      soon as administratively feasible on or after the Valuation Date following      the date on which a distribution is requested or is otherwise      payable. |
|--------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | b. | As      soon as administratively feasible following the close of the Plan Year      during which a distribution is requested or is otherwise      payable. |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | c. | As      soon as administratively feasible following the date on which a      distribution is requested or is otherwise payable. (This option is recommended      for daily valuation plans.) |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | d. | As      soon as administratively feasible after the close of the Plan Year during      which the Participant incurs ___________ [cannot be      more than five (5)] consecutive one (1) year Breaks in      Service. |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | e. | Only      after the Participant has attained the Plan's Normal Retirement Age or      Early Retirement Age, ifapplicable. |
|--------|----|---------------------------------------------------------------------------------------------------------------------------|

|   | The      Required Beginning Date of a Participant with respect to the Plan is (select one from      below): |
|--------|-------------------------------------------------------------------------------------------------------------|

|   | [ ]            1. | The      April 1 of      the calendar year following the calendar year in which the Participant      attains age 70½ |
|--------|------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------|

|   | [ ]            2. | The      April 1 of the calendar year following the calendar year in which the      Participant attains age 70½ except that distributions to a Participant      (other than a 5% owner) with respect to benefits accrued after the later      of the adoption of this Plan or Effective Date of the amendment of this      Plan must commence no later than the April 1 of the calendar year      following the later of the calendar year in which the Participant attains      age 70½ or the calendar year in which the Participant    retires. |
|--------|------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| [x]            3. | The      later of the April 1 of the calendar year following the calendar year in      which the Participant attains age 70½ or retires except that distributions      to a 5% owner must commence by the April 1 of the calendar year following      the calendar year in which the Participant attains age  70½. |
|-------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | Option      (3) may only be elected if (i) it corresponds to an amendment previously      made to the Plan pursuant to Regulations Section 1.411(d)-4,      Q&A-10(b), or (ii) it does not eliminate an age 70½ distribution      option as described in the preceding Regulations because either (A) the      Plan is a new Plan or (B) Section XIII(A)(3) is checked or the Plan      already offers a pre-retirement distribution at least as generous as      Section XIII(A)(3). |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| C.   | Minimum      Distribution Requirements: |
|----------------|-----------------------------------------|

|   | [ ]          1. | Election to Apply Five (5) Year      Rule to Distributions to Designated Beneficiaries:  If      the Participant dies before distributions begin and there is a Designated      Beneficiary, distribution to the Designated Beneficiary is not required to      begin by the date specified in the Basic Plan Document #01 but the      Participant’s entire interest will be distributed to the Designated      Beneficiary by December 31 of the calendar year containing the fifth      anniversary of the Participant’sdeath. |
|--------|------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ]          2. | Election to Allow Participants      or Beneficiaries to Elect Five (5) Year      Rule:  Participants or Beneficiaries may elect on an      individual basis whether the five (5) year rule or the life expectancy      rule described in the Basic Plan Document #01 applies to distributions      after the death of a Participant who has a Designated      Beneficiary.  The election must be made no later than the      earlier of September 30 of the calendar year in which distribution would      be required to begin under the Plan, or by September 30 of the calendar      year which contains the fifth anniversary of the Participant’s (or, if      applicable, surviving Spouse’s) death.  If neither the      Participant nor Beneficiary makes an election under this paragraph,      distributions will be made in accordance with Article VII of the Basic      Plan Document #01 and, if applicable, the elections in Section XVI(C)(1)      above. |
|--------|------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | The      normal form of payment is determined at Section III(J) of this Adoption      Agreement.  If option (1) or no selection is made in Section      III(J), then options (4), (5) and (6) in this section cannot be      selected. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [x] | 1. | Lump      sum. |
|--------|-----|----|----------------|

|   | [x] | 2. | Installment      payments. |
|--------|-----|----|----------------------------|

|   | [ ] | 3. | Partial      payments; the minimum amount will be $___________. |
|--------|----------|----|-----------------------------------------------------------------|

|   | [ ] | 4. | Life      annuity. |
|--------|----------|----|--------------------|

|   | [ ]            5. | Term      certain annuity with payments guaranteed for ________ years [not      to  exceed twenty (20)]. |
|--------|------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 6. | Joint      and [ ] 50%,      [ ] 66-2/3%,      [ ] 75% or      [ ] 100%      survivor annuity. |
|--------|----------|----|--------------------------------------------------------------------------------------------------------------------|

|   | [x] | 1. | Cash. |
|--------|-----|----|-------|

|   | [x] | 2. | Employer      securities. |
|--------|-----|----|---------------------------|

|   | [ ] | 3. | Other      marketable securities. |
|--------|----------|----|-----------------------------------|

 ]           4.           Other:
                                                                                                            (fill in

|   | [ ] | 1. | The      Plan shall not make involuntary cash-outs to any terminated vested      Participant.        Distributions      will only be made with the consent of the  Participant. |
|--------|----------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [x] | 2. | The      Plan shall make involuntary cash-outs to a terminated vested Participant      as follows: |
|--------|-----|----|----------------------------------------------------------------------------------------------------|

|   | [ ]            a. | The      Plan shall make involuntary cash-out distributions of Vested Account      Balances of less than $200.  Distribution of amounts $200 or      greater shall only be made with the consent of the      Participant. |
|--------|------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [x]            b. | The      Plan shall make involuntary cash-out distributions of Vested      Account   Balances of $1,000 or      less.  Distribution of amounts greater than $1,000 shall only be      made with the consent of theParticipant. |
|--------|-------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 3. | When      determining the value of the Participant’s nonforfeitable account balance      for purposes of the Plan’s involuntary cash-out rules, the Plan elects      to: |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ]           a. | exclude      Rollover Contributions. |
|--------|------------------------------------------------------------------------------|--------------------------------------|

|   | [x] | b. | include      Rollover Contributions. |
|--------|-----|----|--------------------------------------|

|   | G. | Automatic      Rollovers: |
|--------|----|---------------------------|

|   | Do      not complete if a selection has been made at Section XVI(F)(1) or (2)      above. |
|--------|-------------------------------------------------------------------------------------------|

|   | [ ]            1. | The      Plan shall make automatic rollovers of Vested Account Balances that are      greater than $1,000 but are not more than $5,000 in accordance with the      provisions of Article VI of the Basic Plan Document  #01. |
|--------|------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 2. | The      Plan shall make automatic rollovers of Vested Account Balances that are      not more than $5,000 in accordance with the provisions of Article VI of      the Basic Plan Document #01. |
|--------|----------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 1. | Not      applicable. |
|--------|----------|----|----------------------|

|   | [x]          2. | Distribution      upon severance from employment as described in the Basic Plan Document #01      shall apply for distributions after December 31, 2001 regardless of when      the severance from employmentoccurred. |
|--------|-------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | 3. | Distribution      upon severance from employment as described in the Basic Plan Document #01      shall apply for distributions after ___________________ (no      earlier than December 31, 2001) for severance from employment occurring      after December 31,      2001 (enter the Effective Date if different than the Effective Date      above). |
|--------|----------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | This      Plan may not be used and shall not be deemed to be a Prototype Plan unless      an authorized representative of the Sponsor has acknowledged the use of      the Plan.  Such acknowledgment that the Employer is using the      Plan does not represent that the Adoption Agreement (as completed) and      Basic Plan Document #01 have been reviewed by a representative of the      Sponsor or constitute a qualified retirement  plan. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | Acknowledged      and accepted by the Sponsor this __________ day of ________________,      __________. |
|--------|---------------------------------------------------------------------------------------------------------|

| Name: | Elizabeth H.      Festa |
|-------|-------------------------|

|   | Title: | Vice      President |
|--------|--------|---------------------|

|   | Signature: |   |   |
|--------|------------|--------|--------|

|   | Questions      concerning the language contained in and qualification of the Prototype      should be addressed to: |
|--------|---------------------------------------------------------------------------------------------------------------------|

Elizabeth H. Festa

| (Position):      Vice      President | (Phone Number): | 203-736-3053 |
|--------------------------------------|----------------------|--------------|

|   | A. | Employer: |
|--------|----|-----------|

|   | This      Adoption Agreement and the corresponding provisions of Basic Plan Document      #01 are adopted by the Employer this__________ day of      _____________________, ___________. |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Executed      on behalf of the Employer by: | Kristen A      Johnson |
|---------------------------------------------|------------------------|

|   | Title: | Vice President, Human      Resources |
|--------|--------|--------------------------------------|

|   | Signature: |   |   |
|--------|------------|--------|--------|

Employer'sReliance: The adopting Employer may rely on an Opinion Letter issued bythe Internal Revenue Service as evidence that the Plan is qualified under CodeSection 401 except to the extent provided in Revenue Procedure 2005-16. TheEmployer may not rely on the Opinion Letter in certain other circumstances orwith respect to certain qualification requirements, which are specified in theOpinion Letter issued with respect to the Plan and in Revenue Procedure 2005-16.In order to have reliance in such circumstances or with respect to suchqualification requirements, application for a determination letter must be madeto Employee Plans Determinations of the Internal RevenueService.  This Adoption Agreement may only be used in conjunction withBasic Plan Document #01.

----

 ]           Planassets will be invested in group annuity contracts and the terms of thecontract(s) will apply.

|   | [x] | Plan      assets are held in a tax qualified Trust.  The Trust provisions      used will be as contained in the Basic Plan Document  #01. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | Plan      assets are held in a tax qualified Trust.  The Trust provisions      used will be as contained in the accompanying pre-approved executed Trust      Agreement between the Employer and the Trustee attached      hereto. |
|--------|----------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | Plan      assets are being held in a Custodial Account arrangement.  The      Custodial Account provisions used will be as contained in the Basic Plan      Document #01. |
|--------|----------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [ ] | Plan      assets are being held in a Custodial Account arrangement.  The      Custodial Account provisions used will be as contained in the accompanying      pre-approved executed Custodial Account Agreement between the Employer and      the Custodian attached hereto. |
|--------|----------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | C. | Trustee: |
|--------|----|----------|

|   | [ ] | The      Trustee appointed shall act in the capacity of a non-discretionary      directed Trustee. |
|--------|----------|----------------------------------------------------------------------------------------------------|

|   | [x] | The      Trustee appointed shall act in the capacity of a discretionary      Trustee. |
|--------|-----|---------------------------------------------------------------------------------------|

|   | Name and      address of Trustee: |
|--------|---------------------------------------------|

Wachovia Bank, NA

1525 West W. T. Harris Blvd

|   | The      Employer's Plan as contained herein is accepted by the Trustee this      ____________ day of ____________________,  ___________. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------|

|   | Accepted      on behalf of the Trustee by: | Elizabeth H.      Festa |
|--------|--------------------------------------------|-------------------------|

|   | Title: | Vice      President |
|--------|--------|---------------------|

|   | Signature: |   |   |
|--------|------------|--------|--------|

|   | Accepted      on behalf of the Trustee by: |   |   |
|--------|--------------------------------------------|--------|--------|

|   | Title: |   |   |
|--------|--------|--------|--------|

|   | Signature: |   |   |
|--------|------------|--------|--------|

|   | Accepted      on behalf of the Trustee by: |   |   |
|--------|--------------------------------------------|--------|--------|

| Title: |   | _________ |   |
|--------|--------|-----------|--------|

| Signature: | _____ |   |
|------------|-------|--------|

|   |   |
|--------|--------|

|   |   |
|--------|--------|

|   |   |
|--------|--------|

----

|   | D. | Custodian: |
|--------|----|------------|

|   | Name and      address of Custodian: |
|--------|-----------------------------------------------|

                                                                                                                     

|   | The      Employer's Plan as contained herein is accepted by the Custodian this      __________ day of ________________,__________. |
|--------|------------------------------------------------------------------------------------------------------------------------------------|

|   | Accepted      on behalf of the Custodian by: |
|--------|----------------------------------------------|

|   | Title: |   |   |
|--------|--------|--------|--------|

| Signature: | _____ |   |
|------------|-------|--------|

----

|   | Name      and address of any ParticipatingEmployer. |
|--------|-----------------------------------------------------|

(860)669-8630                                                      TaxID Number:  
                                06-0739839                                           

.

 ]           Thisis an adoption of a new plan by the Participating Employer.

| [x] | This      is an adoption of an amendment and/or restatement of a plan currently      maintained by the Participating Employer identified as      follows: |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------|

Savings Plan ofthe Connecticut Water Company

January 1, 1985

|   | Title: | Corporate Secretary/Director of      Corporate Communications |
|--------|--------|---------------------------------------------------------------|

Kristen AJohnson

VicePresident, Human Resources

Elizabeth H.Festa

VicePresident

----

|   | SCHEDULE      A |
|--------|-----------------|

                                                                                                                                

                                                                           

                                                                                                                                

                                                                           

                                                                                                                                

                                                                           

|   | 4. | Plan      Provision: |
|--------|----|----------------------|

                                                                                                                                

                                                                           

                                                                                                                                

                                                                           

----

|   | SCHEDULE      B |
|--------|-----------------|

| 1.   | Plan      Provision: |
|----------------|----------------------|

                                                                                                                                

                                                                           

| 2.   | Plan      Provision: |
|----------------|----------------------|

                                                                                                                                

                                                                           

| 3.   | Plan      Provision: |
|----------------|----------------------|

                                                                                                                                

                                                                           

| 4.   | Plan      Provision: |
|----------------|----------------------|

                                                                                                                                

                                                                           

| 5.   | Plan      Provision: |
|----------------|----------------------|

                                                                                                                                

| Effective      Date: |   |   |
|----------------------|--------|--------|

----

| 1.   | For      the Plan Year beginning _____ and ending _____, the Employer      hereby invokes a Safe Harbor status as provided in IRS Notice      2000-3.  The Safe Harbor Contribution will be an amount equal to      _____% (not less than      3%) of Compensation.  This election is made on this _____ day of _____, _____ (date may not be      later than 30 days prior to the end of the Plan Year in which such      election is being made). |
|----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.   | For      the Plan Year beginning _____ and ending _____, the Employer      hereby invokes a Safe Harbor status as provided in IRS Notice      2000-3.  The Safe Harbor Contribution will be an amount equal to      _____% (not less than 3%) of      Compensation.  This election is made on this _____ day of _____, _____ (date may not be      later than 30 days prior to the end of the Plan Year in which such      election is being made). |
|----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3.   | For      the Plan Year beginning _____ and ending _____, the Employer      hereby invokes a Safe Harbor status as provided in IRS Notice      2000-3.  The Safe Harbor Contribution will be an amount equal to      _____% (not less than      3%) of Compensation.  This election is made on this _____ day of _____, _____ (date may not be      later than 30 days prior to the end of the Plan Year in which such      election is being made). |
|----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 4.   | For      the Plan Year beginning _____ and ending _____, the Employer      hereby invokes a Safe Harbor status as provided in IRS Notice      2000-3.  The Safe Harbor Contribution will be an amount equal to      _____% (not less than      3%) of Compensation.  This election is made on this _____ day of _____, _____ (date may not be      later than 30 days prior to the end of the Plan Year in which such      election is being made). |
|----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 5.   | For      the Plan Year beginning _____ and ending _____, the Employer      hereby invokes a Safe Harbor status as provided in IRS Notice      2000-3.  The Safe Harbor Contribution will be an amount equal to      _____% (not less than      3%) of Compensation.  This election is made on this _____ day of _____, _____ (date may not be      later than 30 days prior to the end of the Plan Year in which such      election is being made). |
|----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

1.

----

|   | SCHEDULE      E |
|--------|-----------------|

|   | MISCELLANEOUS      ADMINISTRATIVE ELECTIONS |
|--------|---------------------------------------------|

|   | [  ] | 1. | ERISA Section      404(c):  The Employer intends to be covered by the      fiduciary liability provisions with respect to Participant-directed      investments under ERISA Section 404(c).  Under the terms of this      Plan, Participants (or their Beneficiaries) have a reasonable opportunity      to give instructions to the Plan Administrator in accordance with the      policy set by the Plan Administrator (whether written, oral, or in      electronic form) regarding the choice of investment of their account      balance. The Plan Administrator is obligated to comply with the      Participant’s or Beneficiary’s investment instructions unless complying      with such instructions would result in a prohibited transaction under the      Code, ERISA or the Department of Labor, violate the Plan document, or      jeopardize the Plan’s tax-qualifiedstatus. |
|--------|----------------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [x] | 2. | Fees:  Listed      below are the charges your account will incur as a condition of the      receipt of a benefit under the Plan, depending upon the transaction      involved. |
|--------|-----|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [x] | a. | Participants      have the ability to take a loan from the Plan.  [x] There will be a loan      set-up fee of $80.00 paid from the      account prior to obtaining a loan from the Plan.  [  ]      $_____ will be charged on an annual basis until the loan is paid in      full.  [x] The loan set-up      charge is deducted from the Participant’s account.  All other      costs of administering the Plan will be paid by the Employer or from Plan      assets. |
|--------|-----|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [  ] | b. | The      costs of administering the Plan are shared between Participants and the      Employer. |
|--------|----------------|----|-------------------------------------------------------------------------------------------------|

|   | [  ] | c. | A      service fee equal to $___ / ___% of a Participant’s account balance will      be charged per [  ] Plan quarter [  ] Plan      Year. |
|--------|----------------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [  ] | d. | All      costs of administering the Plan will be paid by the Employer or from Plan      assets. |
|--------|----------------|----|-------------------------------------------------------------------------------------------------|

|   | [  ] | e. | In      order to maintain a self-directed brokerage option, Participants will be      charged an initial fee of  $_______ [  ] and annual      fee of $_________. |
|--------|----------------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | [  ] | f. | To      obtain a Hardship distribution, Participants will incur a charge of      $_________. |
|--------|----------------|----|----------------------------------------------------------------------------------------------|

|   | [  ] | g. | Qualified      Domestic Relations Order (QDRO) presented to the Plan for payment will be      charged $_______ to the Participant’s/Alternate Payee’s account for      processing. |
|--------|----------------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   |  [  ] | h. | Other: |
|--------|----------------------|----|--------|

|   |
|--------|

|   | [  ] | 3. | Automatic Rollover Of      Distributions:  If a Plan Participant does not elect to      take a distribution and include it in income or have the distribution      rolled over to either a qualified retirement plan or an Individual      Retirement Account (“IRA”), the Plan is required to make a Direct Rollover      of the distribution to an IRA.  The Employer as Plan Sponsor has      the authority to execute the documents necessary to establish the IRA      account, and once established, the Trustee/Issuer of the IRA will provide      the Participant with a Disclosure Statement detailing the terms and      conditions as well as any fees imposed on the IRA, including the      procedures regarding the seven (7) day revocation period.  The      Plan has selected the following IRA  Trustee/Issuer: |
|--------|----------------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   |
|--------|

|   |
|--------|

----