Document:

Amendment No. 3 to Americredit Corp. Employee Stock Purchase Plan

 Exhibit 4.4.3 
  
 AMENDMENT NO. 3 
 TO 
 AMERICREDIT CORP. EMPLOYEE STOCK PURCHASE PLAN 
  
 THIS AMENDMENT NO. 3 to the AmeriCredit Corp. Employee Stock Purchase Plan is effective as of November 5, 2003. 

 
 1. Introductory Statements. The AmeriCredit Corp. Employee Stock
Purchase Plan (the “Purchase Plan”), Amendment No. 1 to the Purchase Plan and Amendment No. 2 to the Purchase Plan have previously been approved and adopted by the Board of Directors and the shareholders of AmeriCredit Corp. At a meeting
of the Board of Directors of AmeriCredit Corp. held on August 27, 2003, Amendment No. 3 to the Purchase Plan (set forth below) was adopted and approved; subsequently, at the Annual Meeting of Shareholders of AmeriCredit Corp. held on November 5,
2003, the shareholders of AmeriCredit Corp. adopted and approved Amendment No. 3 to the Purchase Plan. 
  
 2. Amendment. As a result of the approvals described above, the first sentence of Paragraph 12(a) of the Purchase Plan is hereby amended and
modified so as to provide in its entirety as follows: 
  
 “The maximum number of shares of Common Stock which shall be made available for sale under the Purchase Plan shall be 5,000,000 shares, subject to adjustment upon changes in capitalization of the Company as provided in Paragraph
18.” 
  
 3. No Other Changes. Other than as expressly
set forth above, the remaining language of Paragraph 12(a) of the Purchase Plan shall not be modified, and the only effect of the Amendment will be to increase the number of shares of Common Stock authorized and available for issuance under the
terms of the Purchase Plan. All other terms and provisions of the Purchase Plan shall continue in full force and effect without change. 
  
 EXECUTED this 5th day of November, 2003. 
  

	 
		
	 	 	/s/ Chris A. Choate
	 	

	 	 	 Chris A. Choate,
 Executive Vice President, Chief
 Legal Officer and Secretary2002 Stock Award and Incentive Plan, as amended

 Exhibit 10.5 
  
 BANKUNITED FINANCIAL CORPORATION 
 2002 STOCK AWARD AND INCENTIVE PLAN 
  
 1. Purpose. The purpose of this 2002 Stock Award and Incentive Plan (the “Plan”) is to aid BankUnited Financial Corporation, a Florida corporation (the “Company”), in attracting, retaining,
motivating and rewarding employees, non-employee directors, and other persons who provide substantial services to the Company or its subsidiaries or affiliates, to provide for equitable and competitive compensation opportunities, to encourage
long-term service, to recognize individual contributions and reward achievement of Company goals, and to promote the creation of long-term value for stockholders by closely aligning the interests of Participants with those of stockholders. The Plan
authorizes stock-based and cash-based incentives for Participants. 
  
 2. Definitions. In addition to the terms defined in Section 1 above and elsewhere in the Plan, the following capitalized terms used in the Plan have the meanings set forth in this Section: 
  
 (a) “Affiliate” means any entity that is controlled
by or under common control with the Company. 
  
 (b) “Award” means any Option, SAR, Restricted Stock, Deferred Stock, Stock granted as a bonus or in lieu of another award, Dividend Equivalent, Other Stock-Based Award or Performance Award, together with any related right or
interest, granted to a Participant under the Plan. 
  
 (c) “Beneficiary” means the individual or entity designated by the Participant to receive the benefits specified under the Participant’s Award upon such Participant’s death. If no such designation is made, or if the
designated individual predeceases the Participant or the entity no longer exists, then the Beneficiary shall be the Participant’s estate. 
  
 (d) “Board” means the Company’s Board of Directors. 
  
 (e) “Change in Control” and related terms have the meanings specified in Section 9. 
  
 (f) “Code” means the Internal Revenue Code of 1986,
as amended, and regulations thereunder. References to any provision of the Code or regulation (including a proposed regulation) thereunder shall include any successor provisions and regulations. 
  
 (g) “Committee” means a committee designated by the
Board to administer the Plan; provided, however, that, directors appointed or serving as members of a Board committee designated as the Committee shall not be employees of the Company or any subsidiary or affiliate of the Company. In appointing
members of the Committee, the Board will consider whether a member is or will be a Qualified Member, but such members are not required to be Qualified Members at the time of appointment or during their term of service on the Committee. The full
Board may perform any function of the Committee hereunder, in which case the term “Committee” shall refer to the Board. Initially, the Compensation Committee of the Board of Directors will be designated as the “Committee” under
the Plan. 
  
 (h) “Covered Employee”
means an Eligible Person who is a Covered Employee as specified in Section 11(j). 
  
  

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 (i) “Deferred Stock” means a right, granted to a Participant under Section
6(e), to receive Stock or other Awards or a combination thereof at the end of a specified deferral period. 
  
 (j) “Dividend Equivalent” means a right, granted to a Participant under Section 6(g), to receive cash, Stock, other Awards or
other property equal in value to all or a specified portion of the dividends paid with respect to a specified number of shares of Stock. 
  
 (k) “Effective Date” means the effective date specified in Section 11(p). 
  
 (l) “Eligible Person” has the meaning specified in
Section 5. 
  
 (m) “Exchange Act” means
the Securities Exchange Act of 1934, as amended, and rules thereunder. References to any provision of the Exchange Act or rule (including a proposed rule) thereunder shall include any successor provisions and rules. 
  
 (n) “Fair Market Value” means the fair market value
of Stock, Awards or other property as determined by the Committee or under procedures established by the Committee. Unless otherwise determined by the Committee, the Fair Market Value of the Class A Common Stock shall be the closing sale price
reported on the composite tape of the principal stock market or exchange on which the Stock is listed on the day as of which such value is being determined or, if there is no sale on that day, then on the last previous day on which a sale was
reported; the Fair Market Value of the Class B Common Stock shall be equal to the Fair Market Value of the Class A Common Stock multiplied by the number of shares of Class A Common Stock into which each share of Class B Common Stock may be
converted; and the Fair Market Value of the Noncumulative Convertible Preferred Stock, Series B shall be the Fair Market Value of the Class A Common Stock multiplied by the number of shares of Class A Common Stock into which each share of
Noncumulative Convertible Preferred Stock, Series B may be directly or indirectly converted. 
  
 (o) “Key Advisor” has the meaning specified in Section 5. 
  
 (p) “Incentive Stock Option” or “ISO” means any Option designated as an incentive stock
option within the meaning of Code Section 422 or any successor provision thereto and qualifying thereunder. 
  
 (q) “Option” means a right, granted to a Participant under Section 6(b), to purchase Stock or other Awards at a specified price
during specified time periods. 
  
 (r) “Other
Stock-Based Awards” means Awards granted to a Participant under Section 6(h). 
  
 (s) “Participant” means a person who has an outstanding Award under the Plan, including a person who is no longer an Eligible
Person. 
  
 (t) “Performance Award”
means a conditional right, granted to a Participant under Sections 6(i) and 7, to receive cash, Stock or other Awards or payments, as determined by the Committee, based upon performance criteria specified by the Committee. 
  
 (u) “Preexisting Plans” mean the Company’s
1986 Stock Option Plan, 1992 Stock Option, 1994 Incentive Stock Option Plan and 1996 Incentive Compensation and Stock Award Plan. 
  
 (v) “Qualified Member” means a member of the Committee who is a “Non-Employee Director” within the meaning of Rule
16b-3(b)(3) and an “outside director” within the meaning of Regulation 1.162-27 under Code Section 162(m). 
  
 (w) “Restricted Stock” means Stock granted to a Participant under Section 6(d) which is subject to certain restrictions and to a
risk of forfeiture. 
  
 (x) “Rule 16b-3”
means Rule 16b-3, as from time to time in effect and applicable to Participants, promulgated by the Securities and Exchange Commission under Section 16 of the Exchange Act. 
  
  

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 (y) “Stock” means the Company’s Class A Common Stock, Class B Common Stock
(which together shall be referred to as “Common Stock”), and Noncumulative Convertible Preferred Stock, Series B (“Preferred Stock”) and any other equity securities of the Company that may be substituted or resubstituted for
Stock pursuant to Section 11(c). 
  
 (z)
“Stock Appreciation Rights” or “SAR” means a right granted to a Participant under Section 6(c). 
  
 3. ADMINISTRATION. 
  
 (a) Authority of the Committee. The Plan shall be administered by the Committee, which shall have full and final authority, in each case
subject to and consistent with the provisions of the Plan, to select Eligible Persons to become Participants; to grant Awards; to determine the type and number of Awards, the number and class of shares of Stock to which an Award may relate, the
dates on which Awards may be exercised and on which the risk of forfeiture or deferral period relating to Awards shall lapse or terminate, the acceleration of any such dates, the expiration date of any Award, whether, to what extent, and under what
circumstances an Award may be settled, or the exercise price of an Award may be paid, in cash, Stock, other Awards, or other property, and other terms and conditions of, and all other matters relating to, Awards; to prescribe documents evidencing or
setting terms of Awards (such Award documents need not be identical for each Participant), amendments thereto, and rules and regulations for the administration of the Plan and amendments thereto; to construe and interpret the Plan and Award
documents and correct defects, supply omissions or reconcile inconsistencies therein; and to make all other decisions and determinations as the Committee may deem necessary or advisable for the administration of the Plan. Decisions of the Committee
with respect to the administration and interpretation of the Plan shall be final, conclusive, and binding upon all persons interested in the Plan, including Participants, Beneficiaries, transferees under Section 11(b) and other persons claiming
rights from or through a Participant, and stockholders. The foregoing notwithstanding, the Board shall perform the functions of the Committee for purposes of granting Awards under the Plan to non-employee directors (authority with respect to other
aspects of non-employee director awards is not exclusive to the Board, however). 
  
 (b) Manner of Exercise of Committee Authority. At any time that a member of the Committee is not a Qualified Member, (i) any action of the
Committee relating to an Award intended by the Committee to qualify as “performance-based compensation” within the meaning of Code Section 162(m) and regulations thereunder may be taken by a subcommittee, designated by the Committee or the
Board, composed solely of two or more Qualified Members, and (ii) any action relating to an Award granted or to be granted to a Participant who is then subject to Section 16 of the Exchange Act in respect of the Company may be taken either by such a
subcommittee or by the Committee but with each such member who is not a Qualified Member abstaining or recusing himself or herself from such action, provided that, upon such abstention or recusal, the Committee remains composed of two or more
Qualified Members. Such action, authorized by such a subcommittee or by the Committee upon the abstention or recusal of such non-Qualified Member(s), shall be the action of the Committee for purposes of the Plan. The express grant of any specific
power to the Committee, and the taking of any action by the Committee, shall not be construed as limiting any power or authority of the Committee. The Committee may delegate to officers or managers of the Company or any subsidiary or affiliate of
the Company, or committees thereof, the authority, subject to such terms as the Committee shall determine, to perform such functions, including the grant of options and administrative functions, as the Committee may determine, to the extent that
such delegation will not result in the loss of an exemption under Rule 16b-3(d) for Awards granted to Participants subject to Section 16 of the Exchange Act in respect of the Company and will not cause Awards intended to qualify as
“performance- based compensation” under Code Section 162(m) to fail to so qualify. 
  
 (c) Limitation of Liability. The Committee and each member thereof, and any person acting pursuant to authority delegated by the
Committee, shall be entitled, in good faith, to rely or act upon any report or other information furnished by any executive officer, other officer or employee of the Company or a subsidiary or affiliate thereof, the Company’s independent
auditors, consultants or any other agents assisting in the administration of the Plan. Members of the Committee, any person acting pursuant to authority delegated by the 

  

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Committee, and any officer or employee of the Company or a subsidiary or affiliate thereof acting at the direction or on behalf of the Committee or a delegee
shall not be personally liable for any action or determination taken or made in good faith with respect to the Plan, and shall, to the extent permitted by law, be fully indemnified and protected by the Company with respect to any such action or
determination. 
  
 4. STOCK SUBJECT TO PLAN. 
  
 (a) Overall Number of Shares Available for Delivery. Subject
to adjustment as provided in Section 11(c), the total number of shares of Stock reserved and available for delivery in connection with Awards under the Plan shall be (i) 2,000,000 shares of Stock (which may be awarded in Class A Common Stock, Class
B Common Stock or Preferred Stock, alone or in any combination of such classes of Stock) plus (ii) the number of shares of Stock which are subject to awards under the Preexisting Plans and become available in accordance with Section 4(b) after the
Effective Date plus (iii) 8% of the number of shares of Stock which are issued or delivered by the Company during the term of the Plan other than issuances or deliveries under the Plan or other incentive compensation plans of the Company; provided,
however, that the total number of shares of Stock with respect to which ISOs may be granted shall not exceed the number calculated under clauses (i) and (ii) above. Any shares of Stock issued or delivered under the Plan shall consist of authorized
and unissued shares or treasury shares. 
  
 (b)
Share Counting Rules. The Committee may adopt reasonable counting procedures to ensure appropriate counting, avoid double counting (as, for example, in the case of tandem or substitute awards) and make adjustments if the number of shares of Stock
actually delivered differs from the number of shares previously counted in connection with an Award. Shares of Stock subject to an Award or an award under a Preexisting Plan will again be available for Awards, if that Award or Preexisting Plan award
is canceled, expired, forfeited, settled in cash or otherwise terminated without an issuance or delivery of shares to the Participant, and shares of Stock withheld in payment of the exercise price or taxes relating to an Award or Preexisting Plan
award, or surrendered in payment of any exercise price or taxes relating to an Award or Preexisting Plan award, shall be deemed to constitute shares not issued to the Participant and shall be deemed to again be available for Awards under the Plan.
In addition, in the case of any Award granted in substitution for an award of a company or business acquired by the Company or a subsidiary or affiliate of the Company, shares of Stock issued or issuable in connection with such substitute Award
shall not be counted against the number of shares of Stock reserved under the Plan, but shall be available under the Plan by virtue of the Company’s assumption of the plan or arrangement of the acquired company or business. This Section 4(b)
shall apply to the number of shares of Stock reserved and available for ISOs only to the extent consistent with applicable regulations relating to ISOs under the Code. 
  
 5. ELIGIBILITY. 
  
 (a) Eligible Persons. Awards may be granted under the Plan only to Eligible Persons. For purposes of the Plan, an “Eligible
Person” means an employee of the Company or any of its subsidiaries or affiliates (including any employee who is an officer, executive officer, or member of the Board), any non-employee director of the Company, any consultant, advisor or other
person who provides substantial services to the Company or any of its subsidiaries or affiliates (“Key Advisor”), if the Key Advisor renders bona fide services which are not in connection with the offer and sale of securities in a
capital-raising transaction and does not directly or indirectly promote or maintain a market in the Company’s securities, and any person who has been offered employment by the Company or any of its subsidiaries or affiliates, provided that such
prospective employee may not receive any payment or exercise any right relating to an Award until such person has commenced employment with the Company or any of its subsidiaries or affiliates. An employee on leave of absence may be considered as
still in the employ of the Company or any of its subsidiaries or affiliates for purposes of eligibility for participation in the Plan. For purposes of the Plan, a joint venture in which the Company or its subsidiary has a substantial direct or
indirect equity investment shall be deemed an affiliate, if so determined by the Committee. 
  
 (b) Per-Person Award Limitations. In each fiscal year during any part of which the Plan is in effect, an Eligible Person may be granted
Awards intended to qualify as “performance-based compensation” under Code 

  

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Section 162(m) (or any successor provision) under each of Section 6(b), 6(c), 6(d), 6(e), 6(f), 6(g) or 6(h) relating to up to his or her Annual Limit (such
Annual Limit to apply separately to the type of Award authorized under each specified subsection, except that the limitation applies to Dividend Equivalents under Section 6(g) only if such Dividend Equivalents are granted separately from and not as
a feature of another Award). A Participant’s Annual Limit in any fiscal year during any part of which the Participant is then eligible under the Plan shall equal 650,000 shares of all classes of Stock plus the amount of the Participant’s
unused Annual Limit relating to the same type of Award as of the close of the previous fiscal year, subject to adjustment as provided in Section 11(c). In the case of an Award which is not valued in a way in which the limitation set forth in the
preceding sentence would operate as an effective limitation satisfying Treasury Regulation 1.162-27(e)(4) or any successor provision (including a Performance Award under Section 7 not related to an Award specified in Section 6), an Eligible Person
may not be granted Awards authorizing the earning during any fiscal year of an amount that exceeds the Participant’s Annual Limit, which for this purpose shall equal $3 million plus the amount of the Participant’s unused cash Annual Limit
as of the close of the previous fiscal year (this limitation is separate and not affected by the number of Awards granted during such fiscal year subject to the limitation in the preceding sentence). For this purpose, (i) “earning” means
satisfying performance conditions so that an amount becomes payable, without regard to whether it is to be paid currently or on a deferred basis or continues to be subject to any service requirement or other non-performance condition, and (ii) a
Participant’s Annual Limit is used to the extent an amount or number of shares of Stock may be potentially earned or paid under an Award, regardless of whether such amount or shares are in fact earned or paid. 
  
 6. SPECIFIC TERMS OF AWARDS. 
  
 (a) General. Awards may be granted on the terms and
conditions set forth in this Section 6. In addition, the Committee may impose on any Award or the exercise thereof, at the date of grant or thereafter (subject to Section 11(e)), such additional terms and conditions, not inconsistent with the
provisions of the Plan, as the Committee shall determine, including terms requiring forfeiture of Awards in the event of termination of employment or service by the Participant and terms permitting a Participant to make elections relating to his or
her Award. The Committee shall retain full power and discretion with respect to any term or condition of an Award that is not mandatory under the Plan. The Committee shall require the payment of lawful consideration for an Award to the extent
necessary to satisfy the requirements of the Florida Business Corporation Act, and may otherwise require payment of consideration for an Award except as limited by the Plan. 
  
 (b) Options. The Committee is authorized to grant Options to Participants on the following terms and
conditions: 
  
 (i) Exercise Price. The exercise
price per share of Stock purchasable under an Option (including both ISOs and non-qualified Options) shall be determined by the Committee, provided that such exercise price shall be not less than the Fair Market Value of a share of Stock on the date
of grant of such Option, subject to Sections 6(f), 8(a) and 11(k). 
  
 (ii) Option Term; Time and Method of Exercise. The Committee shall determine the term of each Option, provided that in no event shall the term of any ISO or SAR in tandem therewith exceed a period of ten years from
the date of grant. The Committee shall determine the time or times at which or the circumstances under which an Option may be exercised in whole or in part (including based on achievement of performance goals and/or future service requirements), the
methods by which such exercise price may be paid or deemed to be paid and the form of such payment (subject to Section 11(k)), including, without limitation, cash, Stock, other Awards or awards granted under other plans of the Company or any
subsidiary or affiliate of the Company, or other property (including notes and other contractual obligations of Participants to make payment on a deferred basis, such as through “cashless exercise” arrangements, to the extent permitted by
applicable law), and the methods by or forms in which Stock will be delivered or deemed to be delivered in satisfaction of Options to Participants (including deferred delivery of shares representing the Option “profit,” at the election of
the Participant or as mandated by the Committee, with such deferred shares subject to any vesting, forfeiture or other terms as the Committee may specify). 
  
  

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 (iii) ISOs. The terms of any ISO granted under the Plan shall comply in all respects with
the provisions of Code Section 422, including but not limited to the requirement that no ISO shall be granted more than ten years after the Effective Date. 
  
 (iv) The Committee shall determine the terms and conditions upon which an Option shall terminate or cease to be exercisable. Unless
otherwise provided by the Committee, in the event that a Participant ceases to be employed by, or provide service to, the Company for any reason other than disability (as defined by the Committee), death or termination for cause (as defined by the
Committee), any Option which is otherwise exercisable by the Participant shall terminate unless exercised within 30 days after the date on which the Participant ceases to be employed by, or provide service to, the Company (or within such other
period of time as may be specified by the Committee), but in any event no later than the date of expiration of the Option term. Except as otherwise provided by the Committee, any of the Participant’s Options that are not otherwise exercisable
as of the date on which the Participant ceases to be employed by, or provide service to, the Company shall terminate as of such date. In the event that the Participant ceases to be employed by, or provide service to, the Company on account of a
termination for cause by the Company, any Option held by the Participant shall terminate as of the date that the Participant ceases to be employed by, or provide service to, the Company. Unless otherwise provided by the Committee, in the event the
Participant ceases to be employed by, or provide service to, the Company because the Participant dies or becomes disabled, any Option which is otherwise exercisable by the Participant shall terminate unless exercised within one year after the date
on which the Participant ceases to be employed by, or provide service to, the Company (or within such other period of time as may be specified by the Committee), but in any event no later than the date of expiration of the Option term. Except as
otherwise provided by the Committee, any of the Participant’s Options which are not otherwise exercisable as of the date of which the Participant ceases to be employed by, or provide service to, the Company shall terminate as of such date.
Notwithstanding this Section 6(b)(iv), the Committee shall have the right in its discretion to set different terms and conditions pertaining to termination and to extend the period during which any Option may be exercised subsequent to the
termination of a Participant’s employment or service. 
  
 (c) Stock Appreciation Rights. The Committee is authorized to grant SARs to Participants on the following terms and conditions: 
  

(i) Right to Payment. An SAR shall confer on the Participant to whom it is granted a right to receive, upon exercise thereof, the
excess of (A) the Fair Market Value of one share of Stock on the date of exercise (or, in the case of a “Limited SAR,” the Fair Market Value determined by reference to the Change in Control Price, as defined under Section 9(c) hereof) over
(B) the grant price of the SAR as determined by the Committee. 
  
 (ii) Other Terms. The Committee shall determine at the date of grant or thereafter, the time or times at which and the circumstances under which a SAR may be exercised in whole or in part (including based on
achievement of performance goals and/or future service requirements), the method of exercise, method of settlement, form of consideration payable in settlement, method by or forms in which Stock will be delivered or deemed to be delivered to
Participants, and whether or not a SAR shall be free-standing or in tandem or combination with any other Award. Limited SARs that may only be exercised in connection with a Change in Control or other event as specified by the Committee may be
granted on such terms, not inconsistent with this Section 6(c), as the Committee may determine. 
  
 (d) Restricted Stock. The Committee is authorized to grant Restricted Stock to Participants on the following terms and conditions:

  
 (i) Grant and Restrictions. Restricted Stock
shall be subject to such restrictions on transferability, risk of forfeiture and other restrictions, if any, as the Committee may impose, which restrictions may lapse separately or in combination at such times, under such circumstances (including
based on achievement of performance goals and/or future service requirements), in such installments or 

  

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otherwise and under such other circumstances as the Committee may determine at the date of grant or thereafter. Except to the extent restricted under the
terms of the Plan and any Award document relating to the Restricted Stock, a Participant granted Restricted Stock shall have all of the rights of a stockholder, including the right to vote the Restricted Stock and the right to receive dividends
thereon (subject to any mandatory reinvestment or other requirement imposed by the Committee). 
  
 (ii) Forfeiture. Except as otherwise determined by the Committee, upon termination of employment or service during the applicable
restriction period, Restricted Stock that is at that time subject to restrictions shall be forfeited and reacquired by the Company; provided that the Committee may provide, by rule or regulation or in any Award document, or may determine in any
individual case, that restrictions or forfeiture conditions relating to Restricted Stock will lapse in whole or in part, including in the event of terminations resulting from specified causes. 
  
 (iii) Certificates for Stock. Restricted Stock granted under
the Plan may be evidenced in such manner as the Committee shall determine. If certificates representing Restricted Stock are registered in the name of the Participant, the Committee may require that such certificates bear an appropriate legend
referring to the terms, conditions and restrictions applicable to such Restricted Stock, that the Company retain physical possession of the certificates, and that the Participant deliver a stock power to the Company, endorsed in blank, relating to
the Restricted Stock. 
  
 (iv) Dividends and
Splits. As a condition to the grant of an Award of Restricted Stock, the Committee may require that any dividends paid on a share of Restricted Stock shall be either (A) paid with respect to such Restricted Stock at the dividend payment date in
cash, in kind, or in a number of shares of unrestricted Stock having a Fair Market Value equal to the amount of such dividends, or (B) automatically reinvested in additional Restricted Stock or held in kind, which shall be subject to the same terms
as applied to the original Restricted Stock to which it relates, or (C) deferred as to payment, either as a cash deferral or with the amount or value thereof automatically deemed reinvested in shares of Deferred Stock, other Awards or other
investment vehicles, subject to such terms as the Committee shall determine or permit a Participant to elect. Unless otherwise determined by the Committee, Stock distributed in connection with a Stock split or Stock dividend, and other property
distributed as a dividend, shall be subject to restrictions and a risk of forfeiture to the same extent as the Restricted Stock with respect to which such Stock or other property has been distributed. 
  
 (e) Deferred Stock. The Committee is authorized to grant to
Participants, Deferred Stock which represents a right to receive Stock, other Awards, or a combination thereof at the end of a specified deferral period, subject to the following terms and conditions: 
  
 (i) Award and Restrictions. Issuance of Stock will occur upon
expiration of the deferral period specified for an Award of Deferred Stock by the Committee (or, if permitted by the Committee, as elected by the Participant). In addition, Deferred Stock shall be subject to such restrictions on transferability,
risk of forfeiture and other restrictions, if any, as the Committee may impose, which restrictions may lapse at the expiration of the deferral period or at earlier specified times (including based on achievement of performance goals and/or future
service requirements), separately or in combination, in installments or otherwise, and under such other circumstances as the Committee may determine at the date of grant or thereafter. Deferred Stock may be satisfied by delivery of Stock, other
Awards, or a combination thereof (subject to Section 11(k)), as determined by the Committee at the date of grant or thereafter. 
  
 (ii) Forfeiture. Except as otherwise determined by the Committee, upon termination of employment or service during the applicable deferral
period or portion thereof to which forfeiture conditions apply (as provided in the Award document evidencing the Deferred Stock), all Deferred Stock that is at that time subject to such forfeiture conditions shall be forfeited; provided that the
Committee may provide, by rule or regulation or in any Award document, or may determine in any individual case, that 

  

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restrictions or forfeiture conditions relating to Deferred Stock will lapse in whole or in part, including in the event of terminations resulting from
specified causes. 
  
 (iii) Dividend Equivalents.
Unless otherwise determined by the Committee, Dividend Equivalents on the specified number of shares of Stock covered by an Award of Deferred Stock shall be either (A) paid with respect to such Deferred Stock at the dividend payment date in cash or
in shares of unrestricted Stock having a Fair Market Value equal to the amount of such dividends, or (B) deferred with respect to such Deferred Stock, either as a cash deferral or with the amount or value thereof automatically deemed reinvested in
additional Deferred Stock, other Awards or other investment vehicles having a Fair Market Value equal to the amount of such dividends, as the Committee shall determine or permit a Participant to elect. 
  
 (f) Bonus Stock and Awards in Lieu of Obligations. The
Committee is authorized to grant Stock as a bonus, or to grant Stock or other Awards in lieu of obligations of the Company or a subsidiary or affiliate of the Company to pay cash or deliver other property under the Plan or under other plans or
compensatory arrangements, subject to such terms as shall be determined by the Committee. 
  
 (g) Dividend Equivalents. The Committee is authorized to grant Dividend Equivalents to a Participant, entitling the Participant to receive
cash, Stock, other Awards, or other property equivalent to all or a portion of the dividends paid with respect to a specified number of shares of Stock. Dividend Equivalents may be awarded on a free-standing basis or in connection with another
Award. The Committee may provide that Dividend Equivalents shall be paid or distributed when accrued or shall be deemed to have been reinvested in additional Stock, Awards, or other investment vehicles, and subject to restrictions on
transferability, risks of forfeiture and such other terms as the Committee may specify. 
  
 (h) Other Stock-Based Awards. The Committee is authorized, subject to limitations under applicable law, to grant to Participants such
other Awards that may be denominated or payable in, valued in whole or in part by reference to, or otherwise based on or related to, Stock or factors that may influence the value of Stock, including, without limitation, convertible or exchangeable
debt securities, other rights convertible or exchangeable into Stock, purchase rights for Stock, Awards with value and payment contingent upon performance of the Company or business units thereof or any other factors designated by the Committee, and
Awards valued by reference to the book value of Stock or the value of securities of or the performance of specified subsidiaries or affiliates or other business units. The Committee shall determine the terms and conditions of such Awards. Stock
delivered pursuant to an Award in the nature of a purchase right granted under this Section 6(h) shall be purchased for such consideration, paid for at such times, by such methods, and in such forms, including, without limitation, cash, Stock, other
Awards, notes, or other property, as the Committee shall determine. Cash awards, as an element of or supplement to any other Award under the Plan, may also be granted pursuant to this Section 6(h). 
  
 (i) Performance Awards. Performance Awards, denominated in
cash or in Stock or other Awards, may be granted by the Committee in accordance with Section 7. 
  
 7. PERFORMANCE AWARDS. 
  
 (a) Performance Awards Generally. The Committee is authorized to grant Performance Awards on the terms and conditions specified in this
Section 7. Performance Awards may be denominated as a cash amount, number of shares of Stock, or specified number of other Awards (or a combination) which may be earned upon achievement or satisfaction of performance conditions specified by the
Committee. In addition, the Committee may specify that any other Award shall constitute a Performance Award by conditioning the right of a Participant to exercise the Award or have it settled, and the timing thereof, upon achievement or satisfaction
of such performance conditions as may be specified by the Committee. The Committee may use such business criteria and other measures of performance as it may deem appropriate in establishing any performance conditions, and may exercise its
discretion to reduce or increase the amounts payable under any Award subject to performance 

  

 8 

 
conditions, except as limited under Section 7(b) and 7(c) in the case of a Performance Award intended to qualify as “performance-based
compensation” under Code Section 162(m). 
  
 (b) Performance Awards Granted to Covered Employees. If the Committee determines that a Performance Award to be granted to an Eligible Person who is designated by the Committee as likely to be a Covered Employee should qualify as
“performance-based compensation” for purposes of Code Section 162(m) or any successor provision, the grant, exercise and/or settlement of such Performance Award shall be contingent upon achievement of a preestablished performance goal and
other terms set forth in this Section 7(b). 
  
 (i) Performance Goal Generally. The performance goal for such Performance Awards shall consist of one or more business criteria and a targeted level or levels of performance with respect to each of such criteria, as specified by the
Committee consistent with this Section 7(b). The performance goal shall be objective and shall otherwise meet the requirements of Code Section 162(m) or any successor provision and regulations thereunder (including Regulation 1.162-27 and successor
regulations thereto), including the requirement that the level or levels of performance targeted by the Committee result in the achievement of performance goals being “substantially uncertain.” The Committee may determine that such
Performance Awards shall be granted, exercised and/or settled upon achievement of any one performance goal or that two or more of the performance goals must be achieved as a condition to grant, exercise and/or settlement of such Performance Awards.
Performance goals may differ for Performance Awards granted to any one Participant or to different Participants. 
  
 (ii) Business Criteria. One or more of the following business criteria for the Company, on a consolidated basis, and/or for specified
subsidiaries or affiliates or other business units of the Company shall be used by the Committee in establishing performance goals for such Performance Awards: (1) net interest income, net interest income after provision for loan losses; (2) income
before or after taxes, before or after interest, depreciation, amortization, or extraordinary or special items; (3) net income or net income per common share (basic or diluted); (4) return on assets (gross or net), return on investment, return on
capital, or return on equity; (5) cash flow, free cash flow, cash flow return on investment (discounted or otherwise), net cash provided by operations, or cash flow in excess of cost of capital; (6) interest expense after taxes; (7) economic value
created; (8) operating margin or profit margin; (9) stock price or total stockholder return; (10) dividend payout as a percentage of net income; and (11) strategic business criteria, consisting of one or more objectives based on meeting specified
market penetration, asset production or deposit growth, expansion of distribution channels and geographic business expansion goals, cost targets, customer satisfaction, employee satisfaction, management of employment practices and employee benefits,
supervision of litigation and information technology, and goals relating to acquisitions or divestitures of subsidiaries, affiliates or joint ventures of the Company. The targeted level or levels of performance with respect to such business criteria
may be established at such levels and in such terms as the Committee may determine, in its discretion, including in absolute terms, as a goal relative to performance in prior periods, or as a goal compared to the performance of one or more
comparable companies or an index covering multiple companies. 
  
 (iii) Performance Period; Timing for Establishing Performance Goals; Per-Person Limit. Achievement of performance goals in respect of such Performance Awards shall be measured over a performance period of up to one
year or more than one year, as specified by the Committee. A performance goal shall be established not later than the earlier of (A) 90 days after the beginning of any performance period applicable to such Performance Award or (B) the time 25% of
such performance period has elapsed. In all cases, the maximum Performance Award of any Participant shall be subject to the limitation set forth in Section 5. 
  

(iv) Performance Award Pool. The Committee may establish a Performance Award pool, which shall be an unfunded pool, for purposes of
measuring performance of the Company in connection with Performance Awards. The amount of such Performance Award pool shall be based upon the achievement of a performance goal or goals based on one or more of the business criteria set forth in
Section 7(b)(ii) during the given performance period, as specified by the Committee in accordance with Section 7(b)(iv). 
  
  

 9 

 The Committee may specify the amount of the Performance Award pool as a percentage of any of such
business criteria, a percentage thereof in excess of a threshold amount, or as another amount which need not bear a strictly mathematical relationship to such business criteria. 
  
 (v) Settlement of Performance Awards; Other Terms. Settlement of such Performance Awards shall be in cash,
Stock, other Awards or other property, in the discretion of the Committee. The Committee may, in its discretion, increase or reduce the amount of a settlement otherwise to be made in connection with such Performance Awards, but may not exercise
discretion to increase any such amount payable to a Covered Employee in respect of a Performance Award subject to this Section 7(b). Any settlement which changes the form of payment from that originally specified shall be implemented in a manner
such that the Performance Award and other related Awards do not, solely for that reason, fail to qualify as “performance-based compensation” for purposes of Code Section 162(m) or any successor provision. The Committee shall specify the
circumstances in which such Performance Awards shall be paid or forfeited in the event of termination of employment by the Participant or other event (including a Change in Control) prior to the end of a performance period or settlement of such
Performance Awards. 
  
 (c) Written
Determinations. Determinations by the Committee as to the establishment of performance goals, the amount potentially payable in respect of Performance Awards, the level of actual achievement of the specified performance goals relating to Performance
Awards and the amount of any final Performance Award shall be recorded in writing in the case of Performance Awards intended to qualify under Section 162(m). Specifically, the Committee shall certify in writing, in a manner conforming to applicable
regulations under Section 162(m), prior to settlement of each such Award granted to a Covered Employee, that the performance objective relating to the Performance Award and other material terms of the Award upon which settlement of the Award was
conditioned have been satisfied. 
  
 8. CERTAIN PROVISIONS
APPLICABLE TO AWARDS. 
  
 (a) Stand-Alone,
Additional, Tandem, and Substitute Awards. Awards granted under the Plan may, in the discretion of the Committee, be granted either alone or in addition to, in tandem with, or in substitution or exchange for, any other Award or any award granted
under another plan of the Company, any subsidiary or affiliate of the Company, or any business entity to be acquired by the Company or a subsidiary or affiliate of the Company, or any other right of a Participant to receive payment from the Company
or any subsidiary or affiliate of the Company. Awards granted in addition to or in tandem with other Awards or awards may be granted either as of the same time as or a different time from the grant of such other Awards or awards. Subject to Section
11(k), the Committee may determine that, in granting a new Award, the in-the-money value of any surrendered Award or award may be applied to reduce the exercise price of any Option, grant price of any SAR, or purchase price of any other Award.

  
 (b) Term of Awards. The term of each Award
shall be for such period as may be determined by the Committee, subject to the express limitations set forth in Section 6(b)(ii). 
  
 (c) Form and Timing of Payment under Awards; Deferrals. Subject to the terms of the Plan (including Section 11(k)) and any applicable
Award document, payments to be made by the Company or a subsidiary or affiliate of the Company upon the exercise of an Option or other Award or settlement of an Award may be made in such forms as the Committee shall determine, including, without
limitation, cash, Stock, other Awards or other property, and may be made in a single payment or transfer, in installments, or on a deferred basis. The settlement of any Award may be accelerated, and cash paid in lieu of Stock in connection with such
settlement, in the discretion of the Committee or upon occurrence of one or more specified events (subject to Section 11(k)). Installment or deferred payments may be required by the Committee (subject to Section 11(e)) or permitted at the election
of the Participant on terms and conditions established by the Committee. Payments may include, without limitation, provisions for the payment or crediting of reasonable interest on installment or deferred payments or the grant or crediting of
Dividend Equivalents or other amounts in respect of installment or deferred payments denominated in Stock. 
  

 10 

 (d) Exemptions from Section 16(b) Liability. With respect to a Participant who is then
subject to the reporting requirements of Section 16(a) of the Exchange Act in respect of the Company, the Committee shall implement transactions under the Plan and administer the Plan in a manner that will ensure that each transaction with respect
to such a Participant is exempt from liability under Rule 16b-3 or otherwise not subject to liability under Section 16(b)), except that this provision shall not limit sales by such a Participant, and such a Participant may engage in other non-exempt
transactions under the Plan. The Committee may authorize the Company to repurchase any Award or shares of Stock deliverable or delivered in connection with any Award (subject to Section 11(k)) in order to avoid a Participant who is subject to
Section 16 of the Exchange Act incurring liability under Section 16(b). Unless otherwise specified by the Participant, equity securities or derivative securities acquired under the Plan which are disposed of by a Participant shall be deemed to be
disposed of in the order acquired by the Participant. 
  
 (e) Loan Provisions. With the consent of the Committee, and subject to Section 11(k) and subject at all times to, and only to the extent, if any, permitted under and in accordance with, laws and regulations and other binding obligations or
provisions applicable to the Company, the Company may make, guarantee, or arrange for a loan or loans to a Participant with respect to the exercise of any Option or other payment in connection with any Award, including the payment by a Participant
of any or all federal, state, or local income or other taxes due in connection with any Award. Subject to such limitations, the Committee shall have full authority to decide whether to make a loan or loans hereunder and to determine the amount,
terms, and provisions of any such loan or loans, including the interest rate, if any, to be charged in respect of any such loan or loans, whether the loan or loans are to be with or without recourse against the borrower, the terms on which the loan
is to be repaid and conditions, if any, under which the loan or loans may be forgiven. 
  
 9. CHANGE IN CONTROL. 
  
 (a) Effect of “Change in Control” on Non-Performance Based Awards. In the event of a “Change in Control,” the following provisions shall apply to non-performance based Awards, including Awards as
to which performance conditions previously have been satisfied or are deemed satisfied under Section 9(b), unless otherwise provided by the Committee in the Award document: 
  
 (i) All deferral of settlement, forfeiture conditions and other restrictions applicable to Awards granted
under the Plan shall lapse and such Awards shall be fully payable as of the time of the Change in Control without regard to deferral and vesting conditions, except to the extent of any waiver by the Participant or other express election to defer
beyond a Change in Control and subject to applicable restrictions set forth in Section 11(a); 
  
 (ii) Any Award carrying a right to exercise that was not previously exercisable and vested shall become fully exercisable and vested as of
the time of the Change in Control and shall remain exercisable and vested for the balance of the stated term of such Award without regard to any termination of employment or service by the Participant other than a termination for “cause”
(as defined in any employment or severance agreement between the Company or a subsidiary or affiliate and the Participant then in effect or, if none, as defined by the Committee and in effect at the time of the Change in Control), subject only to
applicable restrictions set forth in Section 11(a); and 
  
 (iii) The Committee may, in its discretion, determine to extend to any Participant who holds an Option the right to elect, during the 60-day period immediately following the Change in Control, in lieu of acquiring the shares of Stock
covered by such Option, to receive in cash the excess of the Change in Control Price, as defined below, over the exercise price of such Option, multiplied by the number of shares of Stock covered by such Option, and to extend to any Participant who
holds other types of Awards denominated in shares the right to elect, during the 60-day period immediately following the Change in Control, in lieu of receiving the shares of Stock covered by such Award, to receive in cash the Change in Control
Price as defined below, multiplied by the number of shares of Stock covered by such Award. 
  
  

 11 

 (b) Effect of “Change in Control” on Performance-Based Awards. In the event of
a “Change in Control,” with respect to an outstanding Award subject to achievement of performance goals and conditions, such performance goals and conditions shall be deemed to be met or exceeded if and to the extent so provided by the
Committee in the Award document governing such Award or other agreement with the Participant. 
  
 (c) Definition of “Change in Control.” [a] “Change in Control” shall be deemed to have occurred if, after the
Effective Date, there shall have occurred any of the following: 
  
 (i) Any “person,” as such term is used in Section 13(d) and 14(d) of the Exchange Act (other than the Company, any trustee or other fiduciary holding securities under an employee benefit plan of the Company,
any company owned, directly or indirectly, by the stockholders of the Company in substantially the same proportions as their ownership of stock of the Company, or any person or group of persons who as of the date of approval of this Plan by the
Board of Directors of the Company own, directly or indirectly, 10% or more of the combined voting power of the securities of the Company), acquires voting securities of the Company and immediately thereafter is a “50% Beneficial Owner.”
For purposes of this provision, a “50% Beneficial Owner” shall mean a person who is the “beneficial owner” (as defined in Rule 13d-3 under the Exchange Act), directly or indirectly, of securities of the Company representing 50%
or more of the combined voting power of the Company’s then-outstanding voting securities; 
  
 (ii) During any period of two consecutive years commencing on or after the Effective Date, individuals who at the beginning of such period
constitute the Board, and any new director (other than a director designated by a person (as defined above) who has entered into an agreement with the Company to effect a transaction described in subsections (i), (iii) or (iv) of this definition)
whose election by the Board or nomination for election by the Company’s stockholders was approved by a vote of at least two-thirds (2/3) of the directors then still in office who either were directors at the beginning of the period or whose
election or nomination for election was previously so approved (the “Continuing Directors”) cease for any reason to constitute at least a majority thereof; 
  
 (iii) The stockholders of the Company have approved a merger, consolidation, recapitalization, or
reorganization of the Company, or a reverse stock split of any class of voting securities of the Company, or the consummation of any such transaction if stockholder approval is not obtained, other than any such transaction which would result in at
least 60% of the combined voting power of the voting securities of the Company or the surviving entity outstanding immediately after such transaction being beneficially owned by persons who together beneficially owned at least 80% of the combined
voting power of the voting securities of the Company outstanding immediately prior to such transaction, with the relative voting power of each such continuing holder compared to the voting power of each other continuing holder not substantially
altered as a result of the transaction; provided that, for purposes of this Section 9(c)(iii), such continuity of ownership (and preservation of relative voting power) shall be deemed to be satisfied if the failure to meet such 60% threshold (or to
substantially preserve such relative voting power) is due solely to the acquisition of voting securities by an employee benefit plan of the Company, such surviving entity or a subsidiary thereof; and provided further, that, if consummation of the
corporate transaction referred to in this Section 9(c)(iii) is subject, at the time of such approval by stockholders, to the consent of any government or governmental agency or approval of the stockholders of another entity or other material
contingency, no Change in Control shall occur until such time as such consent and approval has been obtained and any other material contingency has been satisfied; 
  
 (iv) The stockholders of the Company have approved a plan of complete liquidation of the Company or an
agreement for the sale or disposition by the Company of all or substantially all of the Company’s assets (or any transaction having a similar effect); provided that, if consummation of the transaction referred to in this Section 9(c)(iv) is
subject, at the time of such approval by stockholders, to the consent of any government or governmental agency or approval of the stockholders of another entity or other material contingency, no Change in Control shall occur until such time as such
consent and approval has been obtained and any other material contingency has been satisfied; and 
  
  

 12 

 (v) any other event which the Board of Directors of the Company determines shall
constitute a Change in Control for purposes of this Plan. 
  
 (d) Definition of “Change in Control Price.” The “Change in Control Price” means an amount in cash equal to the higher of (i) the amount of cash and fair market value of property that is the
highest price per share paid (including extraordinary dividends) in any transaction triggering the Change in Control or any liquidation of shares following a sale of substantially all assets of the Company, or (ii) the highest Fair Market Value per
share at any time during the 60-day period preceding and 60-day period following the Change in Control. 
  
 10. ADDITIONAL AWARD FORFEITURE PROVISIONS. 
  
 (a) Forfeiture of Options and Other Awards and Gains Realized Upon Prior Option Exercises or Award Settlements. Unless otherwise
determined by the Committee, each Award granted hereunder shall be subject to the following additional forfeiture conditions, to which the Participant, by accepting an Award hereunder, agrees. If any of the events specified in Section 10(b)(i),
(ii), or (iii) occurs (a “Forfeiture Event”), all of the following forfeitures will result: 
  
 (i) The unexercised portion of the Option, whether or not vested, and any other Award not then settled (except for an Award that has not
been settled solely due to an elective deferral by the Participant and otherwise is not forfeitable in the event of any termination of service of the Participant) will be immediately forfeited and canceled upon the occurrence of the Forfeiture
Event; and 
  
 (ii) The Participant will be
obligated to repay to the Company, in cash, within five business days after demand is made therefor by the Company, the total amount of Award Gain (as defined herein) realized by the Participant upon each exercise of an Option or settlement of an
Award (regardless of any elective deferral) that occurred on or after (A) the date that is six months prior to the occurrence of the Forfeiture Event, if the Forfeiture Event occurred while the Participant was employed by the Company or a subsidiary
or affiliate of the Company, or (B) the date that is six months prior to the date the Participant’s employment by the Company or a subsidiary or affiliate of the Company terminated, if the Forfeiture Event occurred after the Participant ceased
to be so employed. For purposes of this Section, the term “Award Gain” shall mean (i), in respect of a given Option exercise, the product of (X) the Fair Market Value per share of Stock at the date of such exercise (without regard to any
subsequent change in the market price of shares) minus the exercise price times (Y) the number of shares as to which the Option was exercised at that date, and (ii), in respect of any other settlement of an Award granted to the Participant, the Fair
Market Value of the cash or Stock paid or payable to Participant (regardless of any elective deferral) less any cash or the Fair Market Value of any Stock or property (other than an Award or award which would have itself then been forfeitable
hereunder and excluding any payment of tax withholding) paid by the Participant to the Company as a condition of or in connection such settlement. 
  
 (b) Events Triggering Forfeiture. The forfeitures specified in Section 10(a) will be triggered upon the occurrence of any one of the
following Forfeiture Events at any time during the Participant’s employment by the Company or a subsidiary or affiliate of the Company or during the one-year period following termination of such employment: 
  
 (i) The Participant, acting alone or with others, directly or
indirectly, prior to a Change in Control, (A) engages, either as employee, employer, consultant, advisor, or director, or as an owner, investor, partner, or stockholder unless the Participant’s interest is insubstantial, in any business in an
area or region in which the Company conducts business at the date the event occurs, which is directly in competition with a business then conducted by the Company or a subsidiary or affiliate of the Company; (B) induces any customer or supplier of
the Company or a subsidiary or affiliate of the Company, or other company with which the Company or a subsidiary or affiliate of the Company has a business relationship, to curtail, cancel, not renew, or not continue his or her or its business with
the Company or any subsidiary or affiliate of the Company; or (C) induces, or attempts to influence, any employee of or service provider 
  

 13 

 
to the Company or a subsidiary or affiliate of the Company to terminate such employment or service. The Committee shall, in its discretion, determine which
lines of business the Company conducts on any particular date and which third parties may reasonably be deemed to be in competition with the Company. For purposes of this Section 10(b)(i), a Participant’s interest as a stockholder is
insubstantial if it represents beneficial ownership of less than five percent of the outstanding class of stock, and a Participant’s interest as an owner, investor, or partner is insubstantial if it represents ownership, as determined by the
Committee in its discretion, of less than five percent of the outstanding equity of the entity; 
  
 (ii) The Participant discloses, uses, sells, or otherwise transfers, except in the course of employment with or other service to the
Company or any subsidiary or affiliate of the Company, any confidential or proprietary information of the Company or any subsidiary or affiliate of the Company, including but not limited to information regarding the Company’s current and
potential customers, organization, employees, finances, and methods of operations and investments, so long as such information has not otherwise been disclosed to the public or is not otherwise in the public domain, except as required by law or
pursuant to legal process, or the Participant makes statements or representations, or otherwise communicates, directly or indirectly, in writing, orally, or otherwise, or takes any other action which may, directly or indirectly, disparage or be
damaging to the Company or any of its subsidiaries or affiliates or their respective officers, directors, employees, advisors, businesses or reputations, except as required by law or pursuant to legal process; or 
  
 (iii) The Participant fails to cooperate with the Company or
any subsidiary or affiliate by making himself or herself available to testify on behalf of the Company or such subsidiary or affiliate in any action, suit, or proceeding, whether civil, criminal, administrative, or investigative, or otherwise fails
to assist the Company or any subsidiary or affiliate in any such action, suit, or proceeding by providing information and meeting and consulting with members of management of, other representatives of, or counsel to, the Company or such subsidiary
or affiliate of the Company, as reasonably requested. 
  
 (c) Agreement Does Not Prohibit Competition or Other Participant Activities. Although the conditions set forth in this Section 10 shall be deemed to be incorporated into an Award, a Participant is not thereby prohibited from engaging in any
activity, including but not limited to competition with the Company and its subsidiaries and affiliates. Rather, the non-occurrence of the Forfeiture Events set forth in Section 10(b) is a condition to the Participant’s right to realize and
retain value from his or her compensatory Options and Awards, and the consequence under the Plan if the Participant engages in an activity giving rise to any such Forfeiture Event are the forfeitures specified herein. The Company and the Participant
shall not be precluded by this provision or otherwise from entering into other agreements concerning the subject matter of Section 10(a) and 10(b). 
  
 (d) Committee Discretion. The Committee may, in its discretion, waive in whole or in part the Company’s right to forfeiture under
this Section, but no such waiver shall be effective unless evidenced by a writing signed by a duly authorized officer of the Company. In addition, the Committee may impose additional conditions on Awards, by inclusion of appropriate provisions in
the document evidencing or governing any such Award. 
  
 11.
GENERAL PROVISIONS. 
  
 (a) Compliance with
Legal and Other Requirements. The Company may, to the extent deemed necessary or advisable by the Committee, postpone the issuance or delivery of Stock or payment of other benefits under any Award until completion of such registration or
qualification of such Stock or other required action under any federal or state law, rule or regulation, listing or other required action with respect to any stock exchange or automated quotation system upon which the Stock or other securities of
the Company are listed or quoted, or compliance with any other obligation of the Company, as the Committee may consider appropriate, and may require any Participant to make such representations, furnish such information and comply with or be subject
to such other conditions as it may consider appropriate in connection with the issuance or delivery of Stock 

  

 14 

 
or payment of other benefits in compliance with applicable laws, rules, and regulations, listing requirements, or other obligations. The foregoing
notwithstanding, in connection with a Change in Control, the Company shall take or cause to be taken no action, and shall undertake or permit to arise no legal or contractual obligation, that results or would result in any postponement of the
issuance or delivery of Stock or payment of benefits under any Award or the imposition of any other conditions on such issuance, delivery or payment, to the extent that such postponement or other condition would represent a greater burden on a
Participant than existed on the 90th day preceding the Change in Control. 
  
 (b) Limits on Transferability; Beneficiaries. No Award or other right or interest of a Participant under the Plan shall be pledged, hypothecated or otherwise encumbered or subjected to any lien, obligation or
liability of such Participant to any party (other than the Company or a subsidiary or affiliate thereof), or assigned or transferred by such Participant otherwise than by will or the laws of descent and distribution or to a Beneficiary upon the
death of a Participant, and such Awards or rights that may be exercisable shall be exercised during the lifetime of the Participant only by the Participant or his or her guardian or legal representative, except that Awards and other rights (other
than ISOs and SARs in tandem therewith) may be transferred to one or more transferees during the lifetime of the Participant, and may be exercised by such transferees in accordance with the terms of such Award, but only if and to the extent such
transfers are permitted by the Committee, subject to any terms and conditions which the Committee may impose thereon (including limitations the Committee may deem appropriate in order that offers and sales under the Plan will meet applicable
requirements of registration forms under the Securities Act of 1933 specified by the Securities and Exchange Commission). A Beneficiary, transferee, or other person claiming any rights under the Plan from or through any Participant shall be subject
to all terms and conditions of the Plan and any Award document applicable to such Participant, except as otherwise determined by the Committee, and to any additional terms and conditions deemed necessary or appropriate by the Committee. 

 
 (c) Adjustments. In the event that any large, special and
non-recurring dividend or other distribution (whether in the form of cash or property other than Stock), recapitalization, forward or reverse split, Stock dividend, reorganization, merger, consolidation, spin-off, combination, repurchase, share
exchange, liquidation, dissolution or other similar corporate transaction or event affects the Stock such that an adjustment is determined by the Committee to be appropriate under the Plan, then the Committee shall, in such manner as it may deem
equitable, adjust any or all of (i) the number and kind of shares of Stock which may be delivered in connection with Awards granted thereafter, (ii) the number and kind of shares of Stock by which annual per-person Award limitations are measured
under Section 5, (iii) the number and kind of shares of Stock subject to or deliverable in respect of outstanding Awards and (iv) the exercise price, grant price or purchase price relating to any Award or, if deemed appropriate, the Committee may
make provision for a payment of cash or property to the holder of an outstanding Option (subject to Section 11(k)). In addition, the Committee is authorized to make adjustments in the terms and conditions of, and the criteria included in, Awards
(including Performance Awards and performance goals and any hypothetical funding pool relating thereto) in recognition of unusual or nonrecurring events (including, without limitation, events described in the preceding sentence, as well as
acquisitions and dispositions of businesses and assets) affecting the Company, any subsidiary or affiliate or other business unit of the Company, or the financial statements of the Company or any subsidiary or affiliate of the Company, or in
response to changes in applicable laws, regulations, accounting principles, tax rates and regulations or business conditions or in view of the Committee’s assessment of the business strategy of the Company, any subsidiary or affiliate or
business unit thereof, performance of comparable organizations, economic and business conditions, personal performance of a Participant, and any other circumstances deemed relevant; provided that no such adjustment shall be authorized or made if and
to the extent that the existence of such authority (i) would cause Options, SARs, or Performance Awards granted under Section 8 to Participants designated by the Committee as Covered Employees and intended to qualify as “performance-based
compensation” under Code Section 162(m) or any successor provision and regulations thereunder to otherwise fail to qualify as “performance-based compensation” under Code Section 162(m) or any successor provision and regulations
thereunder, or (ii) would cause the Committee to be deemed to have authority to change the targets, within the meaning of Treasury Regulation 1.162-27(e)(4)(vi) or any successor provision, under the performance goals relating to Options or SARs
granted to Covered Employees and intended to qualify as “performance-based compensation” under Code Section 162(m) or any successor provision and regulations thereunder. 
  
  

 15 

 (d) Tax Provisions. 
  
 (i) Withholding. The Company and any subsidiary or affiliate of the Company is authorized to withhold from
any Award granted, any payment relating to an Award under the Plan, including from a distribution of Stock, or any payroll or other payment to a Participant, amounts of withholding and other taxes due or potentially payable in connection with any
transaction involving an Award, and to take such other action as the Committee may deem advisable to enable the Company and Participants to satisfy obligations for the payment of withholding taxes and other tax obligations relating to any Award.
This authority shall include authority to withhold or receive Stock or other property and to make cash payments in respect thereof in satisfaction of a Participant’s withholding obligations, either on a mandatory or elective basis in the
discretion of the Committee. Other provisions of the Plan notwithstanding, only the minimum amount of Stock deliverable in connection with an Award necessary to satisfy statutory withholding requirements will be withheld. 
  
 (ii) Required Consent to and Notification of Code Section
83(b) Election. No election under Section 83(b) of the Code (to include in gross income in the year of transfer the amounts specified in Code Section 83(b)) or under a similar provision of the laws of a jurisdiction outside the United States may be
made unless expressly permitted by the terms of the Award document or by action of the Committee in writing prior to the making of such election. In any case in which a Participant is permitted to make such an election in connection with an Award,
the Participant shall notify the Company of such election within ten days of filing notice of the election with the Internal Revenue Service or other governmental authority, in addition to any filing and notification required pursuant to regulations
issued under Code Section 83(b) or other applicable provision. 
  
 (iii) Requirement of Notification Upon Disqualifying Disposition Under Code Section 421(b). If any Participant shall make any disposition of shares of Stock delivered pursuant to the exercise of an Incentive Stock
Option under the circumstances described in Code Section 421(b) (relating to certain disqualifying dispositions), such Participant shall notify the Company of such disposition within ten days thereof. 
  
 (e) Changes to the Plan. The Board may amend, suspend or
terminate the Plan or the Committee’s authority to grant Awards under the Plan without the consent of stockholders or Participants; provided, however, that any amendment to the Plan shall be submitted to the Company’s stockholders for
approval not later than the earliest annual meeting for which the record date is after the date of such Board action if such stockholder approval is required by any federal or state law or regulation or the rules of any stock exchange or automated
quotation system on which the Stock may then be listed or quoted and the Board may otherwise, in its discretion, determine to submit other amendments to the Plan to stockholders for approval; and provided further, that, without the consent of an
affected Participant, no such Board action may materially and adversely affect the rights of such Participant under any outstanding Award. Without the approval of stockholders, the Committee will not amend or replace previously granted Options in a
transaction that constitutes a “repricing,” as such term is used in Instruction 3 to Item 402(b)(2)(iv) of Regulation S-K, as promulgated by the Securities and Exchange Commission. With regard to other terms of Awards, the Committee shall
have no authority to waive or modify any such Award term after the Award has been granted to the extent the waived or modified term would be mandatory under the Plan for any Award newly granted at the date of the waiver or modification. 

 
 (f) Right of Setoff. The Company or any subsidiary or
affiliate of the Company may, to the extent permitted by applicable law, deduct from and set off against any amounts that the Company or a subsidiary or affiliate of the Company may owe to the Participant from time to time, including amounts payable
in connection with any Award, owed as wages, fringe benefits, or other compensation owed to the Participant, such amounts as may be owed by the Participant to the Company, including but not limited to amounts owed under Section 10(a), although the
Participant shall remain liable for any part of the Participant’s payment obligation not satisfied through such deduction and setoff. By accepting any Award granted hereunder, the Participant agrees to any deduction or setoff under this Section
11(f). 
  
 (g) Unfunded Status of Awards; Creation
of Trusts. The Plan is intended to constitute an “unfunded” plan for incentive and deferred compensation. With respect to any payments not yet made to a Participant or obligation to deliver Stock pursuant to an Award, nothing contained in
the Plan or any Award shall give any such Participant any rights that are greater than those of a general creditor of the Company; provided that the 

  

 16 

 
Committee may authorize the creation of trusts and deposit therein cash, Stock, other Awards or other property, or make other arrangements to meet the
Company’s obligations under the Plan. Such trusts or other arrangements shall be consistent with the “unfunded” status of the Plan unless the Committee otherwise determines with the consent of each affected Participant. 
  
 (h) Nonexclusivity of the Plan. Neither the adoption of the
Plan by the Board nor its submission to the stockholders of the Company for approval shall be construed as creating any limitations on the power of the Board or a committee thereof to adopt such other incentive arrangements, apart from the Plan, as
it may deem desirable, including incentive arrangements and awards which do not qualify under Code Section 162(m) or any successor provision, and such other arrangements may be either applicable generally or only in specific cases. 
  
 (i) Payments in the Event of Forfeitures; Fractional Shares.
Unless otherwise determined by the Committee, in the event of a forfeiture of an Award with respect to which a Participant paid cash consideration, the Participant shall be repaid the amount of such cash consideration. No fractional shares of Stock
shall be issued or delivered pursuant to the Plan or any Award. The Committee shall determine whether cash, other Awards or other property shall be issued or paid in lieu of such fractional shares or whether such fractional shares or any rights
thereto shall be forfeited or otherwise eliminated. 
  
 (j) Compliance with Code Section 162(m). It is the intent of the Company that Options and SARs granted to Covered Employees and other Awards designated as Awards to Covered Employees subject to Section 7 shall constitute qualified
“performance-based compensation” within the meaning of Code Section 162(m) or any successor provision and regulations thereunder, unless otherwise determined by the Committee at the time of allocation of an Award. Accordingly, the terms of
Sections 7(b) and (c), including the definitions of Covered Employee and other terms used therein, shall be interpreted in a manner consistent with Code Section 162(m) or any successor provision and regulations thereunder. The foregoing
notwithstanding, because the Committee cannot determine with certainty whether a given Participant will be a Covered Employee with respect to a fiscal year that has not yet been completed, the term Covered Employee as used herein shall mean only a
person designated by the Committee as likely to be a Covered Employee with respect to a specified fiscal year. If any provision of the Plan or any Award document relating to a Performance Award that is designated as intended to comply with Code
Section 162(m) or any successor provision does not comply or is inconsistent with the requirements of Code Section 162(m) or any successor provision or regulations thereunder, such provision shall be construed or deemed amended to the extent
necessary to conform to such requirements, and no provision shall be deemed to confer upon the Committee or any other person discretion to increase the amount of compensation otherwise payable in connection with any such Award upon attainment of the
applicable performance objectives. 
  
 (k) Certain
Limitations Relating to Accounting Treatment of Awards. Other provisions of the Plan notwithstanding, the Committee’s authority under the Plan (including under Sections 8(c), 8(d), 11(c) and 11(d)) is limited to the extent necessary to ensure
that any Option or other Award of a type that the Committee has intended to be subject to fixed accounting with a measurement date at the date of grant or the date performance conditions are satisfied under APB 25 shall not become subject to
“variable” accounting solely due to the existence of such authority, unless the Committee specifically determines that the Award shall remain outstanding despite such “variable” accounting. 
  
 (l) Governing Law. The validity, construction, and effect of
the Plan, any rules and regulations relating to the Plan and any Award document shall be determined in accordance with the laws of the State of Florida, without giving effect to principles of conflicts of laws, and applicable provisions of federal
law. 
  
 (m) Awards to Participants Outside the
United States. The Committee may modify the terms of any Award under the Plan made to or held by a Participant who is then resident or primarily employed outside of the United States in any manner deemed by the Committee to be necessary or
appropriate in order that such Award shall conform to laws, regulations, and customs of the country in which the Participant is then resident or primarily employed, or so that the value and other benefits of the Award to the Participant, as affected
by foreign tax laws and other restrictions applicable as a result of the Participant’s residence or employment abroad shall be comparable to the value of such an Award to a Participant who is resident or primarily employed in the United 

  

 17 

 
States. An Award may be modified under this Section 11(m) in a manner that is inconsistent with the express terms of the Plan, so long as such modifications
will not contravene any applicable law or regulation or result in actual liability under Section 16(b) for the Participant whose Award is modified. 
  
 (n) Limitation on Rights Conferred under Plan. Neither the Plan nor any action taken hereunder shall be construed as (i) giving any
Eligible Person or Participant the right to continue as an Eligible Person or Participant or in the employ or service of the Company or a subsidiary or affiliate of the Company, (ii) interfering in any way with the right of the Company or a
subsidiary or affiliate of the Company to terminate any Eligible Person’s or Participant’s employment or service at any time, (iii) giving an Eligible Person or Participant any claim to be granted any Award under the Plan or to be treated
uniformly with other Participants and employees, or (iv) conferring on a Participant any of the rights of a stockholder of the Company unless and until the Participant is duly issued or transferred shares of Stock in accordance with the terms of an
Award or an Option is duly exercised. Except as expressly provided in the Plan and an Award document, neither the Plan nor any Award document shall confer on any person other than the Company and the Participant any rights or remedies thereunder.

  
 (o) Severability; Entire Agreement. If any of
the provisions of this Plan or any Award document is finally held to be invalid, illegal or unenforceable (whether in whole or in part), such provision shall be deemed modified to the extent, but only to the extent, of such invalidity, illegality or
unenforceability, and the remaining provisions shall not be affected thereby; provided, that, if any of such provisions is finally held to be invalid, illegal, or unenforceable because it exceeds the maximum scope determined to be acceptable to
permit such provision to be enforceable, such provision shall be deemed to be modified to the minimum extent necessary to modify such scope in order to make such provision enforceable hereunder. The Plan and any Award documents contain the entire
agreement of the parties with respect to the subject matter thereof and supersede all prior agreements, promises, covenants, arrangements, communications, representations and warranties between them, whether written or oral with respect to the
subject matter thereof. 
  
 (p) Plan Effective
Date and Termination. The Plan shall become effective on October 1, 2001, subject to the requirement that the stockholders approve the Plan at the 2002 Annual Meeting of Stockholders by the affirmative votes of the holders of a majority of the
voting securities of the Company present, or represented, and entitled to vote on the subject matter at a duly held meeting of stockholders. Unless earlier terminated by action of the Board of Directors, the Plan shall have a term of ten (10) years
from October 1, 2001. 
  

 18

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