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| INTRODUCTION                                                       |   | 1      |
|--------------------------------------------------------------------|--------|--------|
|                                                               |   |   |
| ARTICLE      I FORMAT AND DEFINITIONS                              |   | 2      |
|                                                               |   |   |
| SECTION      1.01  --FORMAT.                             |   | 2      |
| SECTION      1.02  --DEFINITIONS.                        |   | 2      |
|                                                               |   |   |
| ARTICLE      II PARTICIPATION                                      |   | 7      |
|                                                               |   |   |
| SECTION 2.01  --ACTIVE PARTICIPANT.                      |   | 7      |
| SECTION 2.02  --INACTIVE      PARTICIPANT.               |   | 7      |
| SECTION 2.03  --CESSATION OF      PARTICIPATION.         |   | 7      |
|                                                               |   |   |
| ARTICLE      III CONTRIBUTIONS                                     |   | 8      |
|                                                               |   |   |
| SECTION 3.01  --SALARY SAVINGS      CONTRIBUTIONS.       |   | 8      |
| SECTION 3.02  --EMPLOYER      CONTRIBUTIONS.             |   | 8      |
| SECTION 3.03  --NONFORFEITABILITY OF      CONTRIBUTIONS. |   | 9      |
| SECTION      3.04  --ALLOCATION.                         |   | 9      |
|                                                               |   |   |
| ARTICLE      IV INVESTMENT OF CONTRIBUTIONS                        |   | 10     |
|                                                               |   |   |
| SECTION 4.01  --INVESTMENT OF      CONTRIBUTIONS.        |   | 10     |
| SECTION 4.01A-- AGREEMENT OF      AGENCY.                          |   | 10     |
|                                                               |   |   |
| ARTICLE      V BENEFITS                                            |   | 12     |
|                                                               |   |   |
| SECTION 5.01  --RETIREMENT      BENEFITS.                |   | 12     |
| SECTION 5.02  --DEATH      BENEFITS.                     |   | 12     |
| SECTION 5.03  --TERMINATION      BENEFITS.               |   | 12     |
| SECTION 5.04  --WHEN BENEFITS      START.                |   | 12     |
| SECTION 5.05  --WITHDRAWAL      PRIVILEGES.              |   | 13     |
|                                                               |   |   |
| ARTICLE      VI DISTRIBUTION OF BENEFITS                           |   | 14     |
|                                                               |   |   |
| SECTION 6.01  --AUTOMATIC FORMS OF      DISTRIBUTION.    |   | 14     |
| SECTION 6.02  --OPTIONAL FORMS OF      DISTRIBUTION.     |   | 14     |
| SECTION 6.03  --ELECTION      PROCEDURES.                |   | 15     |
| SECTION 6.04  --NOTICE      REQUIREMENTS.                |   | 17     |
|                                                               |   |   |
| ARTICLE      VII TERMINATION OF PLAN                               |   | 20     |
|                                                               |   |   |
| ARTICLE      VIII ADMINISTRATION OF PLAN                           |   | 21     |
|                                                               |   |   |
| SECTION      8.01  --ADMINISTRATION.                     |   | 21     |

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| SECTION      8.02  --RECORDS.                                              |   | 21     |
|--------------------------------------------------------------------------------------|--------|--------|
| SECTION 8.03  --INFORMATION      AVAILABLE.                                |   | 21     |
| SECTION 8.04  --CLAIM AND APPEAL      PROCEDURES.                          |   | 22     |
| SECTION 8.05  --DELEGATION OF      AUTHORITY.                              |   | 22     |
|                                                                                 |   |   |
| ARTICLE      IX GENERAL PROVISIONS                                                   |   | 23     |
|                                                                                 |   |   |
| SECTION      9.01  --AMENDMENTS.                                           |   | 23     |
| SECTION      9.02  --MERGERS.                                              |   | 23     |
| SECTION 9.03  --PROVISIONS RELATING TO      THE INSURER AND OTHER PARTIES. |   | 24     |
| SECTION 9.04  --EMPLOYMENT      STATUS.                                    |   | 24     |
| SECTION 9.05  --RIGHTS TO PLAN      ASSETS.                                |   | 24     |
| SECTION      9.06  --BENEFICIARY.                                          |   | 24     |
| SECTION 9.07  --NONALIENATION OF      BENEFITS.                            |   | 25     |
| SECTION      9.08  --CONSTRUCTION.                                         |   | 25     |
| SECTION 9.09  --LEGAL      ACTIONS.                                        |   | 25     |
| SECTION 9.10  --SMALL      AMOUNTS.                                        |   | 26     |
| SECTION 9.11  --WORD      USAGE.                                           |   | 26     |
|                                                                                 |   |   |
| PLAN      EXECUTION                                                                  |   |   |

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|   | (a) | Salary      Savings Contributions. |
|--------|-----|------------------------------------|

|   | (b) | Matching      Contributions. |
|--------|-----|------------------------------|

|   | (c) | Excess      Contributions. |
|--------|-----|----------------------------|

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|   | (a) | who      has the power to manage, acquire, or dispose of any assets of the Plan;      and |
|--------|-----|-------------------------------------------------------------------------------------------|

|   | (b) | who      (1) is registered as an investment adviser under the Investment Advisers      Act of 1940, or (2) is a bank, as defined in the Investment Advisers Act      of 1940, or (3) is an insurance company qualified to perform services      described in subparagraph (a) above under the laws of more than one state;      and |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | who      has acknowledged in writing being a fiduciary with respect to the      Plan. |
|--------|-----|---------------------------------------------------------------------------------------|

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|   | (a) | by      reason of pregnancy of theEmployee, |
|--------|-----|---------------------------------------------|

|   | (b) | by      reason of birth of a child of theEmployee, |
|--------|-----|----------------------------------------------------|

|   | (c) | by      reason of the placement of a child with the Employee in connection with      adoption of such child by such Employee,or |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------|

|   | (d) | for      purposes of caring for such child for a period beginning immediately      following such birth or placement. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------|

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|   | (a) | the      date on which an Employee quits, retires, dies or is discharged,      or |
|--------|-----|-----------------------------------------------------------------------------------|

|   | (b) | the      first anniversary of the date an Employee begins a one-year absence from      service (with or without pay).  This absence may be the result      of any combination of vacation, holiday, sickness, disability, leave of      absence or layoff. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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|   | (a) | An      Employee shall first become an Active Participant (begin active      participation in the Plan) on the earliest Monthly Date on which he is an      Eligible Employee. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | An      Inactive Participant shall again become an Active Participant (resume      active participation in the Plan) on the date he again performs an Hour of      Service as an Eligible Employee.  This date is his Reentry      Date. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | A      former Participant shall again become an Active Participant (resume active      participation in the Plan) on the date he again performs an Hour of      Service as an Eligible Employee.  This date is his Reentry      Date. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (a) | The      date on which he ceases to be an Eligible Employee (on his Retirement Date      if the date he ceases to be an Eligible Employee occurs within one month      of his Retirement Date). |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | The      effective date of complete termination of the  Plan. |
|--------|-----|---------------------------------------------------------------|

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|   | (a) | Contributions of amounts      refunded or not accepted by the Qualified Plan due to requirements under      Code Sections 401(a)(17), 401(k), 401(m) and      415.  Participants may elect to contribute amounts      refunded or not accepted by the Qualified Plan due to the requirements of      Code Sections 401(a)(17), 401(k), 401(m) and 415 to the Plan by      designation on an election form provided by the  Employer. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | Contributions in excess of the      Qualified Plan specified maximum deferral      percentage.  Participants who have current elections on      file to contribute the maximum percentage of compensation permitted under      the Qualified Plan (12% in 1997) may elect to make Salary Savings      Contributions to the Plan by designation on an election form provided by      the Employer. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (a) | Matching      Contributions.  For Participants who are 100% vested      under the Qualified Plan, the amount of each Matching Contribution made by      the Employer for a Participant shall be equal to the amount the Employer      would have made under the Qualified Plan in the absence of limitations      imposed by Code Sections 401(a)(17), 401(k), 401(m) and 415, if the      Participant had made all contributions contributed to this Plan to the      Qualified Plan, reduced by the Employer’s matching contributions to the      Qualified Plan. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | Excess      Contributions.  For Participants who are 100% vested      under the Qualified Plan, the amount of each Excess Contribution made by      the Employer |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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|   | (i) | agree      to any amendments to such contract, as long as any such amendment does not      adversely affect the amounts accumulated for a Participant or beneficiary      before the effective date of saidamendment; |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (ii) | terminate      the Group Contract; and |
|--------|------|----------------------------------------|

|   | (iii) | direct      benefit payments and exercise any other rights, duties and privileges of      the Contractholder. |
|--------|-------|---------------------------------------------------------------------------------------------------------------|

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|   | (a) | The      date the Participant attains age 65 (Normal Retirement Age, if      earlier). |
|--------|-----|----------------------------------------------------------------------------------------|

|   | (b) | The      tenth anniversary of the Participant’s Entry  Date. |
|--------|-----|--------------------------------------------------------------------|

|   | (c) | The      date the Participant ceases to be anEmployee. |
|--------|-----|--------------------------------------------------------|

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|   | (a) | The      automatic form of retirement benefit for a Participant who does not die      before his Annuity Starting Date shall be the Qualified Joint and Survivor      Form. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | The      automatic form of death benefit for a Participant who dies before his      Annuity Starting Date shall be: |
|--------|-----|---------------------------------------------------------------------------------------------------------------------|

|   | (1) | A      Qualified Preretirement Survivor Annuity for a Participant who has a      spouse to whom he has been continuously married throughout the one-year      period ending on the date of his death.  The spouse may elect to      start receiving the death benefit on any first day of the month on or      after the Participant dies.  If the spouse dies before benefits      start, the Participant’s Account, determined as of the date of the      spouse’s death, shall be paid to the spouse’s  Beneficiary. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | A      single-sum payment to the Participant’s Beneficiary for a Participant who      does not have a spouse who is entitled to a Qualified Preretirement      Survivor Annuity. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (a) | The      optional forms of retirement benefit shall be the following: a straight      life annuity; single life annuities with certain periods of five, ten or      fifteen years; a single life annuity with installment refund; survivorship      life annuities with installment refund and survivorship percentages of 50,      66 2/3 or 100; fixed period annuities for any period of whole months which      is not less than 60 nor more than 360; and a series of installments chosen      by the Participant.  The minimum payment will be based on a      period equal to the joint and last survivor expectancy of the Participant      and the Participant’s spouse, if any, where the joint and last survivor      expectancy is recalculated.  The balance of the Participant’s      Account, if any, will be payable on the Participant’s death to his      Beneficiary in a single sum.  The Participant may also elect to      receive his Account in a single-sumpayment. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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|   | (b) | The      optional forms of death benefit are a single-sum payment and any annuity      that is an optional form of retirement benefit.  However, a      series of installments shall not be available if the Beneficiary is not      the spouse of the deceasedParticipant. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (a) | Retirement      Benefits.  A Participant may elect his Beneficiary or Contingent      Annuitant and may elect to have retirement benefits distributed under any      of the optional forms of retirement benefit described in the OPTIONAL      FORMS OF DISTRIBUTION SECTION of ArticleVI. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | Death      Benefits.  A Participant may elect his Beneficiary and may elect      to have death benefits distributed under any of the optional forms of      death benefit described in the OPTIONAL FORMS OF DISTRIBUTION SECTION of      Article VI. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | Qualified      Election.  The Participant, Beneficiary or spouse may make an      election at any time during the election period.  The      Participant, Beneficiary, or spouse may revoke the election made (or make      a new election) at any time and any number of times during the election      period.  An election is effective only if it meets the consent      requirements below. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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|   | (d) | Special      Rule for Profit Sharing Plan.  As provided in the preceding      provisions of the Plan, if a Participant has a spouse to whom he has been      continuously married throughout the one-year period ending on the date of      his death, the Participant’s Account shall be paid to such      spouse.  However, if there is no such spouse or if the surviving      spouse has already consented in a manner conforming to the election      requirements in (c) above, the Account shall be payable to the      Participant’s Beneficiary in the event of the Participant’s      death. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (a) | Optional      forms of retirement benefit.  The Plan Administrator shall      furnish to the Participant and the Participant’s spouse a written      explanation of the optional forms of retirement benefit in the OPTIONAL      FORMS OF DISTRIBUTION SECTION of Article VI, including the material      features and relative values of these options, in a manner that would      satisfy the notice requirements ofERISA |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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|   | (b) | Qualified      Joint and Survivor Form.  The Plan Administrator shall furnish      to the Participant a written explanation of the following:  the      terms and conditions of the Qualified Joint and Survivor Form; the      Participant’s right to make, and the effect of, an election to waive the      Qualified Joint and Survivor Form; the rights of the Participant’s spouse;      and the right to revoke an election and the effect of such a      revocation.  The Plan Administrator shall furnish the written      explanation by a method reasonably calculated to reach the attention of      the Participant no less than 30 days and no more than 90 days before the      Annuity Starting Date. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | Qualified      Preretirement Survivor Annuity.  As required by the Code and      Federal regulation, the Plan Administrator shall furnish to the      Participant a written explanation of the following: the terms and      conditions of the Qualified Preretirement Survivor Annuity; the      Participant’s right to make, and the effect of, an election to waive the      Qualified Preretirement Survivor Annuity; the rights of the Participant’s      spouse; and the right to revoke an election and the effect of such a      revocation.  The Plan Administrator shall furnish the written      explanation by a method reasonably calculated to reach the attention of      the Participant within the applicable period.  The applicable      period for a Participant is whichever of the following periods ends      last: |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | the      period beginning one year before the date the individual becomes a      Participant and ending one year after such date;  or |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | the      period beginning one year before the date the Participant’s spouse is      first entitled to a Qualified Preretirement Survivor Annuity and ending      one year after such date. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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