Document:

Exhibit 4.14
 

 

ECONOMIC GROWTH AND TAX RELIEF RECONCILIATION ACT OF 2001

EGTRRA MODEL AMENDMENT

(Defined Contribution Plans)

	
            Name of Plan: 
 	
            Retirement Security Plan                                          
           
 
	
            Name of Plan Sponsor: 
 	
            Hibernia Corporation                                          
                 
 
	
            Plan Sponsor Federal Tax I.D. No.: 
 	
            72-0210640                                          
                                   
 

	
            1.
 	
            Purpose and Effective Date:
 

This EGTRRA model amendment (the “Amendment”) incorporates certain provisions of the Economic Growth and Tax Relief Reconciliation Act of 2001 (“EGTRRA”).  This Amendment is intended to constitute good faith compliance with the requirements of EGTRRA and IRS Notice 2001-57 and is to be construed in accordance with EGTRRA, including the regulations and guidance promulgated thereunder.  To the extent the provisions of the plan are inconsistent with the terms of this Amendment, this Amendment shall govern.  Except as otherwise provided herein, this Amendment shall be effective as of the first day of the plan year beginning after December 31, 2001.

	
            2.
 	
            Limitations on Allocations Under Code Section 415:
 

2.1          This Section 2 shall be effective for limitation years beginning after December 31, 2001.

2.2          Except to the extent permitted under Section 11 hereof and Code Section 414(v), if applicable, the annual addition that may be allocated to a participant’s accounts under the plan for any limitation year shall not exceed the lesser of:

	
             
 	
            a.
 	
            $40,000, as adjusted for the cost-of-living under Code Section 415(d); or
 

	
             
 	
            b.
 	
            100% of such participant’s compensation (determined in accordance with Code Section 415(c)(3)) for the limitation year.
 

	
            3.
 	
            Increase in Compensation:
 

The annual compensation of each participant shall not exceed $200,000, as adjusted for cost-of-living increases in accordance with Code Section 401(a)(17)(B).  For this purpose, annual compensation shall mean compensation during the plan year or such other consecutive 12-month period over which compensation is otherwise determined under the plan (the “determination period”).  Any cost-of-living adjustment in effect for a calendar year shall apply to annual compensation for the determination period that begins with or within such calendar year.

 

 

	
             
 

 

 

 

 

	
            4.
 	
            Modification of Top Heavy Rules:
 

	
             
 	
            4.1           This Section 4.1 shall apply to determine top-heavy status.
            

	
             
 	
            a.
 	
            Key employee means any employee or former employee (including any deceased employee) who at any time during the plan year that includes the determination date was an officer of the employer having annual compensation greater than $130,000 (as adjusted under Code Section 416(i)(1) for plan years beginning after December 31, 2002), a 5% owner of the employer, or a 1% owner of the employer having annual compensation of more than $150,000.  For this purpose, annual compensation means compensation within the meaning of Code Section 415(c)(3).  The determination of who is a key employee will be made in accordance with Code Section 416(i)(1) and the applicable regulations and other guidance of general applicability issued thereunder.
 

	
             
 	
            b.
 	
            Determination of present values and amounts:
 

 

	
             
 	
            i.
 	
            The present values of accrued benefits and the amounts of account balances of an employee as of the determination date shall be increased by the distributions made with respect to the employee under the plan and any plan aggregated with the plan under Code Section 416(9)(2) during the 1-year period ending on the determination date.  The preceding sentence shall also apply to distributions under a terminated plan which, had it not been terminated, would have been aggregated with the plan under Code Section 416(g)(2)(A)(i).  In the case of a distribution made for a reason other than separation from service, death, or disability, this provision shall be applied by substituting “5-year period” for “1-year period.”
 

	
             
 	
            ii.
 	
            The accrued benefits and accounts of any individual who has not performed services for the employer during the 1-year period ending on the determination date shall not be taken into account.
 

4.2          This Section 4.2 shall apply to determine the minimum top-heavy benefit required with respect to a plan year in which the plan is top-heavy:

	
             
 	
            a.
 	
            Employer matching contributions shall be taken into account for purposes of satisfying the minimum contribution requirements of Code Section 416(c)(2) and the plan.  The preceding sentence shall apply with respect to matching contributions under the plan or, if the plan provides that the minimum contribution requirement shall be met in another plan, such other plan.  Employer matching contributions that are used to satisfy the minimum contribution requirements shall be treated as matching contributions for purposes of the actual contribution percentage test and other requirements of Code Section 401(m).
 

 

 

	
             
 	
            2
 	
             
 

 

 

 

 

	
             
 	
            b.
 	
            All or a portion of the minimum benefit required hereunder shall be offset by the benefits and/or contributions described below:
 

Name of Plan: Hibernia Corporation Employee Stock Ownership Plan                                                                                                         

                                          
                                          
                                                                                                                                            

Affected Participants: Each participant in this plan who also accrues a benefit or is allocated contributions under the plan named above.

4.3          If the plan is a safeharbor plan within the meaning of Code Section 401(k)(12), the top-heavy requirements of Code Section 416 and the related section of the plan shall not apply in any year beginning after December 31, 2001, in which the plan consists solely of a cash or deferred arrangement which meets the requirements of Code Section 401(k)(12) and matching contributions with respect to which the requirements of Code Section 401(m)(11) are met.

	
            5.
 	
            Vesting:
 

	
             
 	
            [ X ]
 	
            This section does not apply because the plan includes a vesting schedule that is consistent with the requirements of EGTRRA.
 

5.1          This Section 5 shall apply to each participant with an accrued benefit derived from employer matching contributions who completes an hour of service after December 31, 2001.  This Section 5:

	
             
 	
      [       ]
 	
            shall
 

	
             
 	
      [     ]
 	
            shall not
 

also apply to all other participants with accrued benefits derived from employer matching contributions.

5.2          Unless the vesting schedule otherwise provided in the plan is more rapid, the accrued benefit of a participant determined in accordance with Section 5.1 hereof that is derived from employer matching contributions shall vest:

	
             
 	
      [     ]
 	
            A participant’s accrued benefit derived from employer matching contributions shall be fully and immediately vested.
 

	
             
 	
      [     ]
 	
            A participant’s accrued benefit derived from employer matching contributions shall be nonforfeitable upon the participant’s completion of three years of vesting service.
 

	
             
 	
      [     ]
 	
            A participant’s accrued benefit derived from employer matching contributions shall vest according to the following schedule:
 

 

 

	
             
 	
            3
 	
             
 

 

 

 

 

 

	
             
	
            Years of Vesting Service
 	
            Vested Percentage
 	
             

	
             
	
            2, but less than 3
 	
            20%
 	
             

	
             
	
            3, but less than 4
 	
            40%
 	
             

	
             
	
            4, but less than 5
 	
            60%
 	
             

	
             
	
            5, but less than 6
 	
            80%
 	
             

	
             
	
            6 or more
 	
            100%
 	
             

	
             
	
             
 	
             
 	
             

						

5.3         The vesting schedule designated in Section 5.2 hereof shall apply:

	
             
 	
      [     ]
 	
            To all accrued benefits derived from employer matching contributions;
 

	
             
 	
      [     ]
 	
            To accrued benefits derived from employer matching contributions made after December 31, 2001.
 

	
            6.
 	
            Direct Rollovers of Plan Distributions:
 

6.1.        This Section 6 shall apply to distributions made after December 31, 2001, and shall supersede any contrary provisions contained in the provisions of the plan providing for direct rollovers.

6.1          An eligible retirement plan shall also mean an annuity contract described in Code Section 403(b) and 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 a state and which agrees to separately account for amounts transferred into such plan from this plan.  The definition of eligible retirement plan shall also apply in the case of a distribution to a surviving spouse, or to a spouse or former spouse who is the alternate payee under a qualified domestic relations order, as defined in Code Section 414(p).

6.2          Any amount that is distributed on account of hardship shall not be an eligible rollover distribution and the distributee may not elect to have any portion of such a distribution paid directly to an eligible retirement plan.

6.3          Any portion of a distribution shall not fail to be an eligible rollover distribution merely because the portion consists of after-tax employee contributions which are not includible in gross income.  However, such portion may be transferred only to an individual retirement account or annuity described in Code Section 408(a) or (b), or to a qualified defined contribution plan described in Code Section 401(a) or 403(a) that agrees to separately account for amounts so transferred, including separately accounting for the portion of such distribution which is includible in gross income and the portion of such distribution which is not so includible.

	
            7.
 	
            Rollovers From Other Plans:
 

7.1          In addition to those sources described in the plan, the plan administrator may accept direct rollovers from:

	
             
 	
            [ X ]
 	
            A qualified plan described in Code Section 401(a) or 403(a), excluding after-tax employee contributions.
 

 

 

	
             
 	
            4
 	
             
 

 

 

 

 

	
             
 	
      [     ]
 	
            A qualified plan described in Code Section 401(a) or 403(a), including after-tax employee contributions.
 

	
             
 	
            [ X ]
 	
            An annuity contract described in Code Section 403(b), excluding after-tax employee contributions.
 

	
             
 	
            [ X ]
 	
            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 a state.
 

7.2          In addition to those sources described in the plan, the plan administrator may accept participant rollover contributions from:•

	
             
 	
            [ X ]
 	
            A qualified plan described in Code Section 401(a) or 403(a), excluding any after tax contributions.
 

	
             
 	
            [ X ]
 	
            An annuity contract described in Code Section 403(b).
 

	
             
 	
            [ X ]
 	
            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 a state.
 

	
             
 	
            7.3           The plan administrator:
            

	
             
 	
      [     ]
 	
            may 
 

	
             
 	
            [ X ]
 	
            may not
 

accept participant rollover contributions from individual retirement accounts of the portion of a distribution from an individual retirement account or annuity described in Code Section 408(a) or 408(b) that is eligible to be rolled over and would otherwise be includible in gross income.

	
            8.
 	
            Determination of $5,000 Cash Out Amount:
 

This Section 8 shall apply with respect to participants who separate from service on or after December 31, 2001, and distributions made after such date.  The amount of any rollover:

	
             
 	
            [ X ]
 	
            shall
 

	
             
 	
      [     ]
 	
            shall not
 

be included in the determination of the $5,000 cash out limitation.

	
            9.
 	
            Repeal of the Multiple Use Test:
 

For any cash or deferred arrangement included in the plan, effective for plan years beginning after December 31, 2001, the provisions of Code Section 401(m) and the regulations promulgated thereunder shall not apply.

 

 

	
             
 	
            5
 	
             
 

 

 

 

 

	
            10.
 	
            Limitations on Elective Deferrals:
 

No participant shall be permitted to have elective deferrals made under this plan, or any other qualified plan maintained by the employer during any taxable year, in excess of the dollar limitation contained in Code Section 402(a)(9) in effect for such taxable year, except to the extent permitted under Section 11 hereof and Code Section 414(v), if applicable.

	
            11.
 	
            Catch Up Contributions:
 

Effective as of July 1, 2002, the plan:

	
             
 	
            [ X ]
 	
            shall
 

	
             
 	
      [     ]
 	
            shall not
 

permit catch up contributions within the meaning of Code Section 414(v).  Catch up contributions shall be prorated and determined on a pay period basis.

	
            12.
 	
            Administration of Hardship Withdrawals:
 

A participant who receives a distribution of elective deferrals after December 31, 2001, on account of hardship shall be prohibited from making elective deferrals and employee contributions under this and all other plans of the employer for 6 months after receipt of the distribution.  A participant who receives a distribution of elective deferrals in calendar year 2001 on account of hardship shall be prohibited from making elective deferrals and employee contributions in accordance with the terms of the plan in effect as of the date of any such withdrawal.

	
            13.
 	
            Distribution upon Severance from Employment:
 

13.1       This Section 13 shall apply for distributions and severances from employment occurring after December 31, 2001.

13.2       A participant’s elective deferrals, qualified nonelective contributions, qualified matching contributions, and earnings attributable to these contributions shall be distributed on account of the participant’s severance from employment.  Such a distribution shall be subject to the other provisions of the plan regarding distributions, other than provisions that require a separation from service before such amounts may be distributed.

This EGTRRA Model Amendment is executed in multiple counterparts, each of which shall be deemed an original.

Hibernia Corporation, acting through the Employee Benefit Plans Committee

By:    /s/ Michael Zainey                          

Date:  05/30/02                                       

 

	
             
 	
            6Exhibit 4.15

HIBERNIA CORPORATION

RETIREMENT SECURITY PLAN

AMENDMENT NO. 1

(Exhibit B - Special Testing Rules)

Whereas, Hibernia Corporation, a corporation organized and existing under the laws of the State of Louisiana adopted the Retirement Security Plan, an employee benefit plan intended to be qualified under Sections 401(a) and 401(k) of the Internal Revenue Code of 1986, as amended, most recently amended and restated as of February 27, 2002;

Whereas, as a condition of the qualification of such plan, the Internal Revenue Service now requires that Exhibit B be amended and restated as more fully set forth below;

Whereas, the Employee Benefit Plans Committee possesses the authority to make such amendment;

Now, Therefore, effective as of January 1, 2002, Exhibit B to such plan shall be restated, in its entirety as follows:

1.            Special Definitions.  For purposes of this Exhibit B, the term Actual Deferral Percentage or ADP shall be determined separately with respect to Eligible Employees who are Highly Compensated Employees and Eligible Employees who are Non-Highly Compensated Employees.  Such percentage shall equal the average of the ratios of each Eligible Employee’s aggregate Pre-Tax Basic and Pre-Tax Excess Contributions over his or her Compensation.  For this purpose, Pre-Tax Basic and Pre-Tax Excess Contributions shall be taken into account for a Plan Year if (a) such contributions are allocated to
an Account as of the last day of the Plan Year, or (b) such contributions are related to Compensation that (i) is attributable to services performed during the Plan Year and is payable no later than 2 1/2 months after the close of the Plan Year or is payable during the Plan Year, and (ii) such contributions are actually delivered to the Trustee not later than 12 months after the last day of the Plan Year with respect to which such contributions relate.

The term Actual Contribution Percentage or ACP shall have the same meaning as the term Actual Deferral Percentage, except that the aggregate of Matching Contributions, Voluntary Basic Contributions and Voluntary Excess Contributions shall be substituted for the aggregate of Pre-Tax Basic and Pre-Tax Excess Contributions thereunder.

2.            Anti-Discrimination Test for Pre-Tax Basic and Pre-Tax Excess Contributions.  As of each Annual Valuation Date, the Committee (or its designee) shall determine whether the Actual Deferral Percentage of Highly Compensated Employees satisfies either of the following tests:

	
             
 	
            a.
 	
            The Actual Deferral Percentage for Highly Compensated Employees does not exceed the Actual Deferral Percentage for Non-Highly Compensated Employees multiplied by 125%; or
 

 

 

	
             
 	
            1
 	
             
 

 

 

 

 

	
             
 	
            b.
 	
            The excess of the Actual Deferral Percentage for Highly Compensated Employees over the Actual Deferral Percentage for Non-Highly Compensated Employees is not more than two percentage points, and the Actual Deferral Percentage for Highly Compensated Employees does not exceed the Actual Deferral Percentage for Non-Highly Compensated Employees multiplied by two.
 

For Plan Years commencing prior to January 1, 2001, such determination shall be made on a prior year basis; for Plan Years commencing on or after January 1, 2001, such determination shall be made on a current year basis.

3.            Special Treatment of Matching Contributions.  Each Plan Year the Committee (or its designee), in its sole discretion, may designate Matching Contributions for inclusion in the determination of each Eligible Employee’s Actual Deferral Percentage hereunder.  To the extent Matching Contributions are not so designated, such contributions shall satisfy the limitations imposed under paragraph 5 hereof.

If Matching Contributions are deemed to be includable in the determination of the Actual Deferral Percentage in accordance with the provisions of this paragraph 3, such amounts:

	
             
 	
            a.
 	
            Shall be allocated to the Employee Pre-Tax Excess Account of each Participant and shall be subject to the terms and conditions applicable to such account, as set forth more fully herein; and
 

	
             
 	
            b.
 	
            Shall not be used to satisfy the minimum contribution requirements imposed under Article XIII, hereof, if any.
 

4.            Correction of Excess Pre-Tax Basic and Pre-Tax Excess Contributions.  In the event the Actual Deferral Percentage of the Highly Compensated Employees exceeds the limitation imposed under paragraph 2 hereof for any Plan Year, the Committee shall use one or more of the following methods to correct such excess:

	
             
 	
            a.
 	
            Distribute excess contributions, together with the earnings, gains or losses attributable thereto, to affected Highly Compensated Employees, not later than the time specified in paragraph 7 hereof.  Such excess shall first be distributed to the Highly Compensated Employee whose Actual Deferral Percentage in such year is the greatest, to the extent necessary to satisfy the applicable limitation described paragraph 2 hereof, or until such Highly Compensated Employee’s Actual Contribution Percentage equals the next highest percentage of such Employees.  Such distribution shall be repeated until the applicable limitation is satisfied.  For this purpose, “excess contributions” shall be determined as the excess of (i) the aggregate amount of a Participant’s Pre-Tax Basic and Pre-Tax Excess Contributions made with
respect to such Plan Year, over (ii) the maximum amount of such contributions permitted under paragraph 2 hereof, determined as if the reduction provided for herein had occurred.
 

 

 

	
             
 	
            2
 	
             
 

 

 

 

 

	
             
 	
            b.
 	
            Contribute to the Employee Pre-Tax Excess Contribution Account of affected Non-Highly Compensated Employees the amount required to satisfy applicable limitations imposed under paragraph 2 hereof.  Such contribution shall first be allocated to the Employee Pre-Tax Excess Contribution Account of each Non-Highly Compensated Employee whose Compensation is the smallest in an amount determined by the Committee; such allocation shall be repeated to the extent necessary to satisfy the limitations imposed under paragraph 2 hereof.  Such allocation shall be made as of the Annual Valuation Date and shall be actually delivered to the Trustee no later than 12 months after the close of such year.
 

	
             
 	
            c.
 	
            Correct such excess in any other manner permitted under Code Section 401(k) and the regulations promulgated thereunder.
 

5.            Alternative Test for Matching, Voluntary Basic, and Voluntary Excess Contributions.  If Matching Contributions are not included in the determination of the Actual Deferral Percentage in accordance with the provisions of paragraph 3 hereof, such contributions shall satisfy the provisions of this paragraph 5.

At least as frequently as each Annual Valuation Date, the Committee shall determine whether the aggregate of Matching, Voluntary Basic and Voluntary Excess Contributions (“Aggregate Contributions”) made during the Plan Year on behalf of Highly Compensated Employees satisfies either of the following tests:

	
             
 	
            a.
 	
            The ACP for Highly Compensated Employees does not exceed the Actual Contribution Percentage for Non-Highly Compensated Employees multiplied by 125%; or
 

	
             
 	
            b.
 	
            The excess of the ACP for Highly Compensated Employees over the Actual Contribution Percentage Non-Highly Compensated Employees is not more than two percentage points, and the Actual Contribution Percentage for Highly Compensated Employees does not exceed the Actual Contribution Percentage for Non-Highly Compensated Employees multiplied by two.
 

In the event the ACP of the Highly Compensated Employees exceeds the limitations described above as of an Annual Valuation Date (a) to the extent such contributions are not vested, such excess Aggregate Contributions shall be forfeited, or (b) the Committee shall distribute such excess Aggregate Contributions, together with the earnings, gains or loss allocable thereto, to affected Highly Compensated Employees within the time prescribed in paragraph 7 hereof, For this purpose, such excess shall first be forfeited or distributed, as the case may be, to each Highly Compensated Employee whose Actual Contribution Percentage is the greatest, to the extent necessary to satisfy the applicable limit described in this paragraph 5 or until each such Employee’s Actual Contribution
Percentage equals the next highest percentage.  Such distribution shall be repeated until the applicable limitation is satisfied.

 

 

	
             
 	
            3
 	
             
 

 

 

 

 

For Plan Years commencing prior to January 1, 2001, such determination shall be made on a prior year basis; for Plan Years commencing on or after January 1, 2001, such determination shall be made on a current year basis.

6.            Multiple Use of Alternative Limitation.  As of the Annual Valuation Date of any Plan Year commencing prior to January 1, 2002, if a Highly Compensated Participant participates in an elective deferral arrangement within the meaning of Code Section 410(k) and an arrangement subject to the provisions of Code Section 401(m), the sum of his or her Actual Deferral Percentage and Actual Contribution Percentage shall not exceed the Aggregate Limit.  For this purpose, the term Aggregate Limit shall mean the sum of the following amounts:

	
             
 	
            a.
 	
            125% of the greater of (i) the ADP or the ACP of the Non-Highly Compensated Employees; and
 

	
             
 	
            b.
 	
            The lesser of 200% of or two percentage points plus the lesser of the ADP or ACP of the Non-Highly Compensated Employees.
 

For Plan Years commencing prior to January 1, 2001, such determination shall be made on a prior year basis; for Plan Years commencing on or after January 1, 2001, such determination shall be made on a current year basis.  Such determination shall be made in accordance with the provisions of Code Section 401(k)(12) and the regulations promulgated thereunder.

Any excess amount shall be determined in accordance with the provisions of paragraph 4a hereof distributed to each affected Highly Compensated Employee in accordance with the provisions of paragraph 7 hereof.

7.            Special Rules for Distribution of Excess Contributions.  Excess contributions, together with earnings thereon, distributed in accordance with paragraph 4 or 5 hereof shall (a) be distributed not later than the March 15th following the close of the Plan Year with respect to which such excess relates, or (b) in any event, not later than the last day of the Plan Year following the year in which such excess contributions were made.

Earnings distributed with respect to such excess contributions shall be computed using (a) the actual rate of return realized by each affected Participant with respect to his or her Employee Accounts or Matching Contribution Account during the affected Plan Year, or (b) any other reasonable method designated, from time to time, by the Committee, provided such method is uniformly applied to all affected Participants.

8.            Safeharbor Testing Method.  For Plan Years commencing on or after January 1, 2003, the Committee may designate the Plan as a Safeharbor Plan with respect to such year.  Any such designation shall be contingent upon compliance with the following special rules:

	
             
 	
            a.
 	
            The amount allocated to each Participant’s Matching Contribution Account hereunder, shall be fully vested and nonforfeitable, effective for Matching Contributions made as of the first day of the Plan Year with respect to which such designation is made.
 

 

 

	
             
 	
            4
 	
             
 

 

 

 

 

	
             
 	
            b.
 	
            Within a reasonable period prior to the first day of any such Plan Year, the Committee shall provide written notice of such designation (or the possibility that such designation will be made on or before the last day of the Plan Year), which notice shall include a description of Matching Contributions hereunder, the procedures applicable to Employee Contributions hereunder, the vesting provisions set forth in subparagraph (a) hereof, and such other information as the Committee deems necessary or advisable.
 

	
             
 	
            c.
 	
            The Committee shall finally designate the Plan as a Safeharbor Plan on or before the last day of an affected Plan Year.  The Committee shall provide written notice to each Participant of such final designation as soon as practicable thereafter.
 

	
             
 	
            d.
 	
            For any year in which a Plan is deemed to be a Safeharbor Plan, Matching Contributions shall not be made with respect to more than 6% of each Active Participant’s Compensation.
 

	
             
 	
            e.
 	
            For any year in which the Plan is deemed to be a Safeharbor Plan, Matching Contributions shall made with respect to each Active Participant’s Pre-Tax Basic Contributions either (i) in an amount equal to such contributions, but not in excess of 5% of Compensation, or (i) in an amount equal to such contributions not in excess of 4% of each such Participant’s Compensation and in an amount equal to 50% of such contributions between 4% and 6% of such Participant’s Compensation.  Matching Contributions hereunder shall be determined on the basis of each payroll period.
 

For any Plan Year in which the Plan is deemed to be a Safeharbor Plan, the remaining provisions of this Exhibit B hereof shall not apply.

9.            Authority of the Committee.  The Committee, in its discretion, shall adopt such rules and procedures as it deems necessary or appropriate in order to administer the anti-discrimination tests imposed hereunder.  Such procedures may include, but are not limited to, the determination of the method by which the Plan will satisfy such anti-discrimination tests, the method by which earnings will be computed, the determination of Compensation (within the meaning of Section 414(s)) to be used for testing purposes, and the method by which Participants will be notified in the event a distribution or other corrective action is required.  All such procedures shall comply with the rules of Code Sections 401(k) and (m) and the
regulations promulgated thereunder.

This Amendment No. 1 was executed in multiple originals this          day of March, 2003, to be effective as of the date designated above.

	
            Witnesses:

/s/
 	
             
 	
            Hibernia Corporation

/s/
 

 

 

 

	
             
 	
            5
 	
             
 

 

 

 

 

 

	
           

            

            
	
             
 	
            Employee Benefit Plans Committee
 

 

 

	
             
 	
            6

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