Exhibit 10.1

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Drawn up on :

Feb. 2008

Categories insured:

Workers with grade 12 and more

You are entitled to a complementary group insurance scheme under your
employment contract.

This brochure outlines the main conditions of the scheme :



|     |  |                            |  |   |  |                                                             
|---- |  | -------------------------- |  | - |  | ------------------------------------------------------------
|LOGO |  | retirement benefits scheme |  |   |  |                                                             
|     |  |                            | 
|LOGO |  | some general information : |  | ü |  | What are the vested rights in the event of leaving ?        
|     |  |                            | 
|     |  |                            |  | ü |  | Who are the beneficiaries in the event of death in service ?
|     |  |                            | 
|     |  |                            |  | ü |  | What are the options in case of leaving ?                   
|     |  |                            | 
|     |  |                            |  | ü |  | What is the tax treatment upon maturity of the contract ?   

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|                                                                                                                                                                                                                                                                                            
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|Retirement benefits scheme                                                                                                                                                                                                                                                                  
|What is the level of premiums paid ?                                                                                                                                                                                                                                                        
|                                                                                                                                                                                                                                                                                            
|The annual employers premium amounts to : 50 % of the currently paid AIP                                                                                                                                                                                                                 
|What are the benefits ?                                                                                                                                                                                                                                                                     
|                                                                                                                                                                                                                                                                                            
|The employers premiums are paid into a contract of the following insurance type :                                                                                                                                                                                                          
|                                                                                                                                                                                                                                                                                            
|Pure endowment with refund of savings providing for a capital payable upon being alive upon retirement or a capital amounting to the theoretical surrender value in the event of death
before retirement.                                                                                 
|                                                                                                                                                                                                                                                                                            
|The Lump sums insured depend on the amount of the premiums that have been paid into the contracts since joining, knowing that the premium is
redetermined each year.  Each year a document called Benefit statement
informs you of those covers as well as of the accrued profit sharing.
|When does the contract mature ?                                                                                                                                                                                                                                                             
|                                                                                                                                                                                                                                                                                            
|Maturity of the contract is set at age 65 for both male and female insured.                                                                                                                                                                                                                 

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|     |  |                                                     
|---- |  | ----------------------------------------------------
|LOGO |  | What are the vested rights in the event of leaving ?

The retirement contracts are the property of the insured.



|     |  |                                                             
|---- |  | ------------------------------------------------------------
|LOGO |  | Who are the beneficiaries in the event of death in service ?

The order of priority of the beneficiaries is as follows :



| | a) | the spouse (neither divorced nor judicially separated) or legal partner
| | -- | -----------------------------------------------------------------------



| | b) | in the absence thereof, the insureds children in equal shares
| | -- | --------------------------------------------------------------



| | c) | in the absence thereof, the insureds parents in equal shares
| | -- | -------------------------------------------------------------



| | d) | in the absence thereof, the insureds grandparents in equal shares
| | -- | ------------------------------------------------------------------



| | e) | in the absence thereof, the insureds brothers and sisters in equal shares
| | -- | --------------------------------------------------------------------------



| | f) | in the absence thereof, the legal heirs in equal shares.
| | -- | --------------------------------------------------------

Insured may modify the above-mentioned order of priority of beneficiaries.

Nevertheless, if the modification should exclude the
spouse, the latters agreement will be required

(see law of 14 July 1976 on the respective rights and obligations of spouses).



|     |  |                                                      
|---- |  | -----------------------------------------------------
|LOGO |  | What if the insured leaves in during his/her career ?

You will have the following options:



|     |  |                                                                                                                                                                                                                                                                    
|---- |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|LOGO |  | to remain insured without paying further premiums but subject to the terms and provisions of the retirement plan and the vested rights continue to
earn interest;                                                                                                  
|     | 
|LOGO |  | to continue paying individually the premiums in full or in part;                                                                                                                                                                                                   
|     | 
|LOGO |  | to transfer the accrued values to a specially formed receiving structure so that they are no longer subject to the provisions of the provident plan and you can opt for a different form of
insurance (not just endowment but also a death in service cover, etc.);
|     | 
|LOGO |  | to transfer the accrued value (actuarial reserve) to your new employers insurance or provident organisation.                                                                                                                                                      

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|     |  |                                                                      
|---- |  | ---------------------------------------------------------------------
|LOGO |  | Tax treatment : benefitss paid upon maturity or in the event of death

Currently, the withholdings amount to :



|1. | NHI CONTRIBUTION : 3.55 % on the Lumps Sum and profit sharing
|-- | -------------------------------------------------------------



|2. | SOLIDARITY CONTRIBUTION : withheld from the capital and profit sharing
|-- | ----------------------------------------------------------------------

Amount :

2% if the amount owed is >  24,789.35

1 % if the amount owed is between  2,478.94 and  24,789.35

This contribution is not owed on amounts of less than  2,478.94



|3. | ONE-OFF TAX :
|-- | -------------

The taxable amount is the
gross available amount (exclusive of profit sharing), less the NHI withholding and solidarity contribution on the said gross available amount.



|4. | TAX COMPUTATION :
|-- | -----------------



|                                  |  |                               
|--------------------------------- |  | ------------------------------
|Employers contract(A contract) |  | : 16.66 % on the Lumps Sum (*)



|                                                                                                                                                                                                            |  |                        |       |  |               |  |          
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | ---------------------- | ----- |  | ------------- |  | ---------
|EXAMPLE                                                                                                                                                                                                    
|                                                                                                                                                                                                            |  |                        |      
|                                                                                                                                                                                                            |  | Employerscontract A |       |  | Profit shares |  | TOTAL    
|Capital                                                                                                                                                                                                     |  | 40.000,00              |       |  | 7.500,00      |  | 47.500,00
|NHI 3.55 %                                                                                                                                                                                                  |  | -1.420,00              |       |  | -266,25       |  | -1.686,25
|Sol. Contr. 2 %                                                                                                                                                                                             |  | -800,00                |       |  | -150,00       |  | -950,00  
|                                                                                                                                                                                                            |  | 37.780,00              |       |  | 7.083,75      |  | 44.863,75
|Tax one-off                                                                                                                                                                                                 |  | -16,66-6.294,15        | % (*) |  |               |  | -6.294,15
|NET                                                                                                                                                                                                         |  | 31.485,85              |       |  | 7.083,75      |  | 38.569,60
|(*)    This percentage is equal to 10,09% at the legal retirement age (ie. currently 65 for men, and until 01/01/2009, 64 for women) provided that the concerned person remains effectively active
working.

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