Document:

EXHIBIT 10.19

                     FOURTH AMENDMENT AND CONSENT AGREEMENT

     This Fourth Amendment and Consent Agreement ("Amendment") is made as of the
22nd day of August, 2001 by and among the lending institutions listed in Annex I
to the Loan Agreement (as defined below) (each a "Lender and, collectively, the
"Lenders"), FLEET CAPITAL CORPORATION, a Rhode Island corporation with an office
at 200 Glastonbury Boulevard, Glastonbury, CT 06033, as administrative agent for
the Lenders ("Agent"), and GENTIVA HEALTH SERVICES, INC., a Delaware corporation
with its chief executive office at 3 Huntington Quadrangle, 2S , Melville, NY
11747 ("Company"), GENTIVA HEALTH SERVICES HOLDING CORP., a Delaware corporation
with its chief executive office at 3 Huntington Quadrangle, 2S, Melville, NY
11747 ("GHS") and each of the SUBSIDIARY BORROWING CORPORATIONS listed on the
signature pages hereto (each of Company, GHS and each Subsidiary Borrowing
Corporation is a "Borrower" and, collectively, "Borrower").

                                   BACKGROUND

     A. Borrower, Agent and Lenders are parties to a certain Loan and Security
Agreement dated March 13, 2000 (as it may herein or hereafter be or heretofore
have been modified, amended, restated or replaced from time to time, the "Loan
Agreement") pursuant to which Borrower established certain financing
arrangements with Lenders. The Loan Agreement and all instruments, documents and
agreements executed in connection therewith or related thereto are referred to
herein collectively as the "Existing Loan Documents." All capitalized terms not
otherwise defined herein shall have the meaning ascribed thereto in the Loan
Agreement.

     B. Borrower has informed Agent and Lenders that Borrower desires to call
for the redemption of the Convertible Debentures. The holder(s) of the
Convertible Debentures will have the option either to receive cash for some or
all of the Convertible Debentures (in an amount as specified for such a
voluntary redemption in the documents governing the Convertible Debentures) or
to convert some or all of the Convertible Debentures into common stock of the
Company (at an exercise price specified in the documents governing the
Convertible Debentures). Section 8.2.6 of the Loan Agreement currently prohibits
the Company (or any of the other Borrowers) from making any payments on the
Convertible Debentures (other than payments of regularly scheduled interest).

     C. Borrower has requested that Agent and Lenders consent to the redemption
of the Convertible Debentures.

     D. Agent and Lenders are willing to consent to the redemption of the
Convertible Debentures subject to the terms and conditions of this Amendment.

     NOW, THEREFORE, with the foregoing background incorporated by reference and
made a part hereof, and intending to be legally bound, the parties agree as
follows:

<PAGE>

     1. Consent of Agent and Lenders to the Redemption of the Convertible
Debentures. Upon the effectiveness of this Amendment, and notwithstanding
anything to the contrary that may be contained in the Loan Agreement or the
Existing Loan Documents (specifically including Section 8.2.6 of the Loan
Agreement), Agent and Lenders hereby consent to the redemption of the
Convertible Debentures by the Company and to the payment in cash of some or all
of the Convertible Debentures and/or the conversion of some or all of the
Convertible Debentures into the common stock of the Company, as applicable,
provided that such consent shall only be effective for so long as no Event of
Default is existing. To the extent that any of the provisions of the Loan
Agreement or the Existing Loan Documents are inconsistent with the consent
granted by Agent and Lenders herein, the provisions of this Amendment shall
control, and such provisions of the Loan Agreement and/or the Existing Loan
Documents shall be deemed to have been amended consistent with the provisions
hereof.

     2. Borrower Representations. Borrower represents and warrants as follows:

          a) The execution and delivery by Borrower of this Amendment and
performance by Borrower of the transactions herein contemplated (i) are and will
be within each Borrower's corporate powers, (ii) have been authorized by all
necessary corporate action, and (iii) are not and will not be in contravention
of any order of any court or other agency or government, of law or any other
indenture, agreement or undertaking to which any Borrower is a party or by which
the property of any Borrower is bound, or in conflict with, or result in a
breach of or constitute (with due notice and/or lapse of time) a default under
any such indenture, agreement or undertaking or result in the imposition of any
lien, charge or encumbrance of any nature on any Property of any Borrower.

          b) This Amendment and any other agreements, instruments and documents
executed and/or delivered in connection herewith or shall be valid, binding and
enforceable against each Borrower in accordance with their respective terms.

          c) After giving effect to this Amendment, (i) the representations and
warranties herein, in the Loan Agreement and in each other Loan Document and
certificate or other writing delivered to the Agent or the Lenders on or prior
to the date hereof shall be correct and accurate on and as of the date hereof as
though made on and as of such date (subject to the provisions of Section 7.2 of
the Loan Agreement); and (ii) no Default or Event of Default shall have occurred
and be continuing on the date hereof or would result from this Amendment
becoming effective in accordance with its terms.

          d) No authorization or approval or other action by, and no notice to
or filing with, any governmental authority or other regulatory body is required
in connection with the due execution, delivery and performance by any Borrower
of this Amendment or the performance by such Borrower of the Loan Agreement, as
amended hereby.

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<PAGE>

     3. Effectiveness Conditions. This Amendment shall be effective upon
completion of the following conditions precedent (all documents to be in form
and substance reasonably satisfactory to Agent and Lenders and their counsel in
their sole discretion):

          a) Execution and delivery to Agent by all required signatories of this
Amendment;

          b) No Default or Event of Default shall have occurred and remain
outstanding under the Loan Documents;

          c) Payment of all costs and expenses of Agent as provided for in
Section 8 below.

     4. Continued Effectiveness of the Loan and Security Agreement and Loan
Documents. Each Borrower hereby (i) confirms and agrees that each Loan Document
to which it is a party is, and shall continue to be, in full force and effect
and is hereby ratified and confirmed in all respects except that on and after
the date hereof (a) all references in the Loan Agreement to "this Loan and
Security Agreement", this "Agreement", "hereof", "hereto", "hereunder" or words
of like import referring to the Loan and Security Agreement, and (b) all
references in any other Loan Document to "the Loan and Security Agreement," the
"Loan Agreement," "thereto," "thereof," "thereunder," or words of like import
referring to the Loan and Security Agreement shall mean the Loan and Security
Agreement as amended by this Amendment (and all prior Amendments); and (ii)
confirms and agrees that to the extent that any such Loan Document purports to
assign or pledge to the Agent, or to grant a security interest in or lien on any
collateral as security for the obligations of Borrower from time to time
existing in respect of the Loan and Security Agreement and the Loan Documents,
such assignment, pledge and/or grant is hereby ratified and confirmed in all
respects. Nothing herein contained is intended to in any manner affect, impair
or limit the validity, priority and extent of Lender's existing security
interest in and Liens upon the Collateral.

     5. No Waiver. Other than as specified herein, Borrower hereby acknowledges
and agrees that the Lenders have not waived any Default or Event of Default now
existing or hereafter arising. Accordingly, this Amendment is without prejudice
to the Lenders and the Lenders reserve all of their rights under the Loan
Agreement, the Loan Documents, at law and otherwise regarding any Default or
Event of Default that may exist or hereafter arise. Without limiting the
generality of the foregoing, the Lenders' making any future extension of credit
to Borrower shall not be deemed a waiver by the Lenders of any of their rights
and remedies under the Loan Agreement and the other Loan Documents and the
Lenders expressly reserve their right to require, as a condition to any such
future extension of credit, that Borrower fully comply with all terms and
conditions of the Loan Agreement and the other Loan Documents as amended hereby.

     6. Amendment as Loan Document. Borrower hereby acknowledges and agrees that
this Amendment constitutes a "Loan Document" under the Loan Agreement.
Accordingly, it shall be an Event of Default under the Loan Agreement if (i) any
representation or warranty made by

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<PAGE>

Borrower under or in connection with this Amendment shall have been untrue,
false or misleading in any material respect when made, or (ii) Borrower shall
fail to perform or observe any term, covenant or agreement contained in this
Amendment.

     7. Governing Law. This Agreement shall be governed by, construed and
enforced in accordance with the substantive laws of the State of New York.

     8. Expenses. Borrower will pay on demand all reasonable out-of-pocket costs
and expenses of the Agent in connection with the preparation, execution and
delivery of this Amendment, and each other agreement or document executed and
delivered in connection herewith.

     9. Counterparts. This Amendment may be executed in any number of
counterparts, each of which when so executed shall be deemed to be an original,
and such counterparts together shall constitute one and the same respective
agreement. Counterparts by facsimile shall bind the parties hereto.

     10. Waiver of Trial by Jury. EACH BORROWER, THE AGENT AND EACH LENDER EACH
HEREBY IRREVOCABLY WAIVE ALL RIGHT TO TRIAL BY JURY IN ANY ACTION, PROCEEDING OR
COUNTERCLAIM (WHETHER BASED ON CONTRACT, TORT OR OTHERWISE) ARISING OUT OF OR
RELATING TO THIS AMENDMENT OR THE ACTIONS OF THE AGENT OR THE LENDERS IN THE
NEGOTIATION, ADMINISTRATION, PERFORMANCE OR ENFORCEMENT HEREOF.

                  {REMAINDER OF PAGE LEFT INTENTIONALLY BLANK}

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<PAGE>

                                      S - 1

         IN WITNESS WHEREOF, this Second Amendment and Consent Agreement has
been duly executed on the day and year first specified above.

                         GENTIVA HEALTH SERVICES, INC.

                         By:
                            --------------------------------------------------

                         Print name:
                                    ------------------------------------------

                         Title:
                               -----------------------------------------------

                         GENTIVA HEALTH SERVICES HOLDING CORP.

                         By:
                            --------------------------------------------------

                         Print name:
                                    ------------------------------------------

                         Title:
                               -----------------------------------------------

                    {SIGNATURES CONTINUED ON FOLLOWING PAGE}

                                      S-1
<PAGE>

                                  SUBSIDIARY BORROWING CORPORATIONS:

                                  New York Healthcare Services, Inc.
                                  OHS Service Corp.
                                  Gentiva  Certified HealthCare Corp.
                                  Gentiva  Health Services (Certified), Inc.
                                  Gentiva Health Services (Infusion), Inc.
                                  Gentiva  Health Services (Quantum) Corp.
                                  Gentiva  Health Services (USA), Inc.
                                  Gentiva CareCentrix Inc.
                                  Gentiva CareCentrix  (Area One)     Corp.
                                  Gentiva CareCentrix (Area Two)       Corp.
                                  Gentiva CareCentrix  (Area Three )   Corp.
                                  Gentiva  Services of New York, Inc.
                                  QC-Medi New York, Inc.
                                  Quality Care - USA, Inc.
                                  Quality Managed Care, Inc.
                                  The I.V. Clinic, Inc.
                                  The I.V. Clinic III, Inc.

                                     By:
                                        ---------------------------------------

                                     Print name:
                                                -------------------------------

                                     Title:
                                           ------------------------------------

                    {SIGNATURES CONTINUED ON FOLLOWING PAGE}

                                      S-2
<PAGE>

ACKNOWLEDGED, ACCEPTED AND AGREED:

GUARANTORS:

Care One Health Alternatives, Inc. (AL corporation)
Care One Health Alternatives, Inc. (NC corporation)
CCI-ASDS, Inc.
Chronic Health Management of California
Commonwealth Home Care, Inc.
..
Kimberly Home HealthCare, Inc.
Olsten Kimberly Quality Care, Inc.
Partners First Management, Inc.
Prospective Health Network, Inc.
QHR Southwest Business Trust
QHR Southwest Holdings Corp.
Quantum Care Network, Inc.
Quantum Disease Management, Inc.
Quantum Health Resources, Inc. (DE corporation)

Quantum Health Resources SW LP
Skilled Nursing Services, Inc.
The I.V. Clinic II, Inc.

By:
   --------------------------------------------------

Print name:
           ------------------------------------------

Title:
      -----------------------------------------------

                    {SIGNATURES CONTINUED ON FOLLOWING PAGE}

                                      S-3
<PAGE>

                             AGENT:

                                       FLEET CAPITAL CORPORATION

                                       By:
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                                       Print name:
                                                  -----------------------------

                                       Title:
                                             ----------------------------------

                              LENDERS:

                                       FLEET CAPITAL CORPORATION

                                       By:
                                          -------------------------------------

                                       Print name:
                                                  -----------------------------

                                       Title:
                                             ----------------------------------

                                       GMAC COMMERCIAL CREDIT LLC

                                       By:
                                          -------------------------------------

                                       Print name:
                                                  -----------------------------

                                       Title:
                                             ----------------------------------

                                       U.S. BANK NATIONAL ASSOCIATION

                                       By:
                                          -------------------------------------

                                       Print name:
                                                  -----------------------------

                                       Title:
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                                      S-4
<PAGE>

                                       debis FINANCIAL SERVICES, INC.

                                       By:
                                          -------------------------------------

                                       Print name:
                                                  -----------------------------

                                       Title:
                                             ----------------------------------

                                       DIME COMMERCIAL CORP.

                                       By:
                                          -------------------------------------

                                       Print name:
                                                  -----------------------------

                                       Title:
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                                       IBJ WHITEHALL BUSINESS CREDIT
                                       CORPORATION

                                       By:
                                          -------------------------------------

                                       Print name:
                                                  -----------------------------

                                       Title:
                                             ----------------------------------

                                       NATIONAL BANK OF CANADA

                                       By:
                                          -------------------------------------

                                       Print name:
                                                  -----------------------------

                                       Title:
                                             ----------------------------------

                                       SIEMENS CREDIT CORPORATION

                                       By:
                                          -------------------------------------

                                       Print name:
                                                  -----------------------------

                                      S-5
<PAGE>

                                       Title:

                                             ----------------------------------

                                      S-6
<PAGE><PAGE>

                                                                  EXHIBIT 10(hh)

                          QUAKER CHEMICAL CORPORATION
                       2001 GLOBAL ANNUAL INCENTIVE PLAN

                          (Effective January 1, 2001)

PURPOSE

  The Quaker Chemical Corporation 2001 Annual Incentive Plan (the "Plan") is
designed to reward those employees of Quaker Chemical Corporation (the
"Company") and majority-owned subsidiaries who are eligible to participate in
the Plan for achieving performance objectives that are important to the
Company and its shareholders. The Plan is intended to provide an incentive for
superior work and to motivate participating employees toward even higher
achievement and business results, to increase shareholder value, to tie their
goals and interests to those of the Company and its shareholders, and to
enable the Company to attract and retain highly qualified executive officers.
The Plan is also intended to secure the full deductibility under the
provisions of Section 162(m) of the Internal Revenue Code of 1986, as amended
(the "Code") of the bonus compensation paid under the Plan to those
participating employees of the Company who are "Covered Employees" (as
hereinafter defined).

ARTICLE I--DEFINITIONS

   1.1 "Annual Base Salary" shall mean the salary of a Participant determined
on an annualized basis by reference to the base rate of pay in effect for such
Participant as of September 30th of the current Plan Year.

   1.2 "Board" shall mean the Board of Directors of the Company.

   1.3 "Code" shall mean the Internal Revenue Code of 1986, as amended (the
"Code").

   1.4 "Committee" shall mean the Compensation/Management Development
Committee of the Board and such other committee or committees as may be
designated to act as the administrative committee under the Plan by the Board,
at its discretion, from time to time. Where more than one committee has been
designated for these purposes, each such committee shall act as the Committee
under the Plan with respect to different Participants or groups of
Participants (which may be designated individually or by classification) as
established at the time any such committee is established.

   1.5 "Common Stock" shall refer to shares of the Company's common stock,
$1.00 par value.

   1.6 "Company" shall mean Quaker Chemical Corporation, a Pennsylvania
corporation, and, as appropriate, with respect to eligibility to participate
in the Plan, the majority-owned subsidiaries of Quaker Chemical Corporation.

   1.7 "Covered Employee" shall mean the chief executive officer (or the
individual acting in such a capacity) of the Company and any other officer of
the Company whose total compensation is required to be reported to
shareholders under the Securities Exchange Act of 1934, as amended, by reason
of their being among the four highest compensated officers for a taxable year.

   1.8 "Participant" shall mean, with respect to each Performance Period, each
employee who has been designated by the Committee as a Participant in the Plan
for such Performance Period.

                                      C-1

<PAGE>

   1.9 "Performance Goal" shall mean, with respect to a Performance Period, an
objective Performance Goal or goals that have been established by the
Committee, consistent with the express terms of the Plan, which must be met in
order for any bonus payments to be payable to any Participant in the Plan with
respect to such Performance Period. The Committee may establish one or more
Performance Goals with respect to a Performance Period, which Performance
Goals may be applicable with respect to the bonus or bonuses of groups of
Participants or to one or more Participants on an individualized basis.

   1.10 "Performance Period" shall mean the Plan Year or such other period or
periods as may be established as a Performance Period by the Committee from
time to time. Nothing herein shall prohibit the creation of multiple
Performance Periods which may overlap with other Performance Periods
established under the Plan.

   1.11 "Plan" shall mean the Quaker Chemical Corporation 2001 Global Annual
Incentive Plan, as set forth herein and as may be amended from time to time.

   1.12 "Plan Year" shall mean the calendar year.

   1.13 "Rule 16b-3" shall mean Rule 16b-3 as promulgated by the Securities
and Exchange Commission pursuant to Section 16 of the Securities Exchange Act
of 1934, as amended.

ARTICLE II--ELIGIBILITY AND PARTICIPATION

   2.1 Those employees of the Company who are designated as Participants in
the Plan from time to time by the Committee shall be eligible to participate
in the Plan. Prior to or at the time Performance Goals are established for a
specified Performance Period, the Committee shall identify the employees of
the Company who are to be Participants in the Plan with respect to such
Performance Period.

   2.2 If no specific designation with respect to participation in the Plan is
made by the Committee at the time Performance Goals are established for a
specified Performance Period, those employees of the Company who participated
in the Plan with respect to the Performance Period which most recently ended
prior to the commencement of such Performance Period shall continue to be
Participants in such Performance Period.

   2.3 In making its determination as to eligibility for participation in the
Plan, the Committee shall take into account an employee's position in the
Company and the extent to which the employee's position affords him or her the
opportunity to have a significant impact on the attainment of the Company's
objectives.

ARTICLE III--PERFORMANCE GOALS

   3.1 Prior to or within the first ninety (90) days of a Performance Period,
the Committee shall establish in writing with respect to such Performance
Period, one or more specific Performance Goals and an objective formula or
formulas or such other appropriate method for computing the amount of bonus
compensation which may be payable to each Participant if the specified
Performance Goals are attained.

     (a) Notwithstanding the foregoing sentence, the Performance Goals for any
Performance Period may not be established after 25% of the period of service
represented by the Performance Period has elapsed.

     (b) Subject to the specific limitations set forth in the Plan, nothing
herein shall limit the authority of the Committee to establish more than one
Performance Goal and more than one formula with respect to bonus compensation
of a Participant, nor limit a Participant's ability to receive more than one
bonus payment with respect to a single Performance Period.

                                      C-2

<PAGE>

     (c) In establishing the formula or formulas whereby a Participant or
classification of Participants have their potential bonus or bonuses
determined under the Plan, the Committee may, but is not required to,
establish a potential cash bonus as a percentage of Annual Base Salary and/or
a bonus to be paid by means of a transfer of shares of Common Stock up to a
specified number of shares, and may establish in such formula a "threshold"
performance level (below which no bonus is payable), a "mid-level" performance
level, at which a particular portion of the bonus becomes payable to the
affected Participant, and a "maximum" performance level, at which the full
bonus becomes payable. The Committee may, at its discretion, provide for bonus
payments to be pro-rated where the attainment of levels of performance falls
in between any specified levels otherwise set out as part of the Performance
Goals and the formula for determining bonus payments. Any other objective
method or methods for establishing the extent to which a Participant's
potential bonus becomes payable upon attainment of one or more Performance
Goals may be established by the Committee for these purposes, at its sole
discretion.

   3.2 Performance Goals shall be based upon one or more of the following
business criteria (which may be determined for these purposes by reference to
(a) the Company as a whole, (b) any of the Company's subsidiaries, operating
divisions or other operating units, or (c) any combination thereof): profit
before taxes, stock price, market share, gross revenue, net revenue, pretax
income, operating income, cash flow, earnings per share, return on equity,
return on invested capital or assets, cost reductions and savings, return on
revenues or productivity, or any variations of the preceding business
criteria, which may be modified at the discretion of the Committee, to take
into account extraordinary items or which may be adjusted to reflect such
costs or expense as the Committee deems appropriate.

     (a) All determinations concerning the attainment of any such Performance
Goals shall, to the extent applicable, be determined by or at the direction of
the committee using generally accepted accounting principles, except where the
Committee has specified otherwise. The Committee may provide for appropriate
adjustments to any business criteria used in connection with measuring
attainment of Performance Goals to take into account fluctuations in exchange
rates, where relevant.

     (b) To the extent consistent with the goal of providing for deductibility
under Section 162(m) of the Code, Performance Goals may also be based upon a
Participant's attainment of personal objectives with respect to any of the
foregoing Performance Goals or implementing policies and plans, negotiating
transactions and sales, developing long-term business goals or exercising
managerial responsibility.

     (c) Measurements of the Company's or a Participant's performance against
the Performance Goals established by the Committee shall be objectively
determinable and shall be determined according to generally accepted
accounting principles as in existence on the date on which the Performance
Goals are established and without regard to any changes in such principles
after such date.

   3.3 The Committee may, but is not required to, establish special rules for
any employee who first becomes a Participant during a Performance Period,
whose level of participation the Committee determines should be changed during
a Performance Period, or who retires from employment with the Company during a
Performance Period, but only to the extent that such special rules do not
cause any Covered Employee's bonus award to cease to qualify as "performance-
based compensation" as that term is used for purposes of Code Section 162(m)
and Treasury Regulations promulgated thereunder. Such special rules may take
into account the following guidelines based on a Performance Period equal to
the Plan Year:

     (a) If a Participant's date of hire is before April 1, Participant
participates for the full Plan Year.

     (b) If a Participant's date of hire is between April 1 and October 1,
Participant participation in the Plan Year is prorated by the number of whole
months worked in the Plan Year divided by twelve.

     (c) If a Participant's date of hire is after October 1, Participant does
not participate until the subsequent Plan Year.

                                      C-3

<PAGE>

     (d) If a Participant retires or has been approved for short and/or long-
term disability after June 30, payment under the Plan would be prorated by the
number of completed months in the Plan Year.

     (e) If a Participant's level of participation changes due to a change in
job position or job reevaluation before October 1, bonus payable under the
Plan is calculated with the bonus formulation applicable following such change
as though such bonus formulation had been in effect for the entire Plan Year.

ARTICLE IV--DETERMINATION OF BONUS AWARDS AND LIMITATIONS

   4.1 As soon as practicable following the end of a Performance Period, the
Committee shall determine whether and to what extent the Company and/or the
Participants have achieved the Performance Goal or Performance Goals
established for such Performance Period, including the specific target
objective or objectives and the satisfaction of any other material terms of
the bonus award, and shall certify such determination in writing, which
certification may take the form of minutes of the Committee documenting such
determination.

     (a) The Committee shall then calculate the amount of each Participant's
bonus or bonuses for such Performance Period based upon the levels of
achievement of the relevant Performance Goals and the objective formula or
formulae established for such purposes with respect to such Performance
Period.

     (b) The Committee shall have no discretion to increase the amount of any
Participant's bonus payable under the Plan, but may, notwithstanding anything
contained herein to the contrary, reduce the amount of or totally eliminate
such bonus, if it determines, in its absolute and sole discretion, that such a
reduction or elimination is appropriate in order to reflect the Participant's
individual performance or to take into account any other factors the Committee
deems appropriate.

   4.2 No Participant shall be entitled to receive a bonus or bonuses in
excess of the following limitations:

     (a) For bonuses paid in cash, the maximum bonus payable during any one
Plan Year shall not exceed three hundred percent (300%) of such Participant's
Annual Base Salary in effect as of September 30th during such Plan Year.

     (b) For bonuses payable in the form of a transfer of shares of Common
Stock, the maximum bonus payable during any one Plan Year shall not exceed one
hundred thousand (100,000) shares.

     (c) Special rules for application of the limitations on bonus payments:

       (i) A Participant's Annual Base Salary shall be deemed for these
purposes to be the lesser of his or her actual Annual Base Salary or
$1,000,000.

       (ii) The limitation on cash bonuses and on bonuses in the form of
transfers of Common Stock shall be applied separately to the cash and stock
components of any bonus or bonuses paid to a Participant.

   4.3 Shares of Common Stock transferable under the Plan shall be shares of
authorized, but not issued Common Stock or Common Stock held in treasury. The
maximum number of shares of Common Stock which may be issued under the Plan
shall not exceed five hundred thousand (500,000) shares.

   4.4 Bonuses payable in the form of a transfer of shares may be evidenced by
written grant documents in such form as the Committee shall from time to time
approve, and shall set forth such terms and conditions as the Committee shall,
from time to time, at its discretion, impose on such transferred shares;
provided, however, that any such terms and conditions may not be inconsistent
with any specific terms of the Plan.

                                      C-4

<PAGE>

   4.5 Adjustments to Numbers of Shares of Common Stock Upon Changes in
Capitalization: In the event of changes to the outstanding shares of Common
Stock of the Company through reorganization, merger, consolidation,
recapitalization, reclassification, stock splits, stock dividend, stock
consolidation or otherwise, or in the event of a sale of all or substantially
all of the assets of the Company, an appropriate and proportionate adjustment
shall be made in the number and kind of shares available for use under the
Plan and in the annual limitations on awards of Company stock. Adjustments or
changes under this Section shall be made by the Committee, whose determination
as to what adjustments or changes shall be made, and the extent thereof, shall
be final, binding, and conclusive.

ARTICLE V--PAYMENT OF AWARDS

   5.1 Approved bonus awards shall be payable by the Company in cash or as a
transfer of Common Stock, or a combination of cash and Common Stock, to each
Participant, or to his or her estate in the event of death, as soon as
practicable after the end of each Performance Period and after the Committee
has certified in writing that the relevant Performance Goals were achieved, or
at such other time or times as the Committee may establish with respect to
payment of bonuses with respect to any Performance Period.

   With respect to any bonuses payable under the Plan for a Performance Period
that is the Plan Year, payment of such bonuses is generally anticipated to be
made during the month of March following the close of the Plan Year; subject,
however, to the requirement that the attainment of the Performance Goals is
certified by the Committee; and subject further to any other specific
provisions for timing of payments as may be determined for the Performance
Period at the Committee's sole discretion.

   5.2 No bonus award shall be payable under the Plan to any Participant who
is not employed by the Company (or an affiliate of the Company) as of the time
such bonus award would otherwise be payable unless:

     (a) The Participant's employment terminated prior to such date but after
June 30th during such Plan Year on account of his or her death, disability or
retirement from the Company on or after attainment of his or her "normal
retirement age" or at a time such Participant is eligible for an "early
retirement" as provided for in any pension benefit plan of the Company in
which such Participant participates; or

     (b) The Committee specifically provided for a payment of all or a portion
of such Participant's bonus award following the Participant's termination of
employment.

   5.3 If a Participant's employment terminates by reason of his or her death,
disability or retirement in accordance with the Company's retirement policies,
or by reason of a resignation pursuant to mutual written agreement of the
Participant and the Company, any bonus award payable will be prorated based on
active service during the Performance Period.

   5.4 If a Participant is on a leave of absence during a Performance Period,
the Participant's bonus award shall be prorated based on active service during
the Performance Period.

   5.5 If a Participant's employment terminates prior to the date a bonus
award is payable under any circumstances other that those described above, no
bonus award is payable to such Participant.

ARTICLE VI--OTHER TERMS AND CONDITIONS

   6.1 No bonus awards shall be paid under the Plan unless and until the
material terms (within the meaning of Section 162(m)(4)(C) of the Code) of the
Plan, including the business criteria described in Section 3.2 of the Plan,
are disclosed to and approved by the Company's shareholders by a majority of
votes cast in a separate vote, either in person or by proxy, including
abstentions to the extent abstentions are counted as voting under applicable
state law.

                                      C-5

<PAGE>

   6.2 No person shall have any legal claim to be granted an award under the
Plan and the Committee shall have no obligation to treat Participants
uniformly. Except as may be otherwise required by law, bonus awards under the
Plan shall not be subject in any manner to anticipation, alienation, sale,
transfer, assignment, pledge, encumbrance, charge, garnishment, execution, or
levy of any kind, either voluntary or involuntary. Bonuses awarded under the
Plan shall be payable from the general assets of the Company and no
Participant shall have any claim with respect to any specific assets of the
Company.

   6.3 Neither the Plan nor any action taken under the Plan shall be construed
as giving any employee the right to be retained in the employ of the Company
or any subsidiary or to maintain any Participant's compensation at any level.

   6.4 The Company or any of its subsidiaries may deduct from any award any
applicable withholding taxes or any amounts owed by the employee to the
Company or any of its subsidiaries, or take any other actions it deems
necessary or appropriate in connection with any applicable withholding
requirements.

   6.5 No Common Stock will be delivered under the Plan except in compliance
with all applicable Federal and state laws and regulations including, without
limitation, compliance with all Federal and state securities laws and with the
rules of the New York Stock Exchange and of all domestic stock exchanges on
which the Common Stock may be listed. Any certificate issued to evidence
shares of Common Stock awarded pursuant to the Plan may bear legends and
statements the Committee shall deem advisable to assure compliance with
Federal and state laws and regulations. No shares of Common Stock will be
delivered under the Plan, until the Company has obtained consent or approval
from regulatory bodies, Federal or state, having jurisdiction over such
matters as the Committee may deem advisable. In the case of a person or estate
acquiring the right to an award of Common Stock made pursuant to the Plan as a
result of the death of the Participant, the Committee may require reasonable
evidence as to the ownership of the Common Stock and may require consents and
releases of taxing authorities that it may deem advisable.

ARTICLE VII--ADMINISTRATION

   7.1 Until changed by the Board, the Compensation/Management Development
Committee of the Board shall constitute the Committee hereunder. All actions
taken under the terms of the Plan with respect to any employee who is a
Covered Employee or who is subject to the reporting requirements of Section
16(a) of the Securities Exchange Act of 1934, as amended, shall be taken by a
Committee consisting solely of two or more members of the Board who qualify
both as "outside directors" (as that term is used for purposes of Section
162(m) of the Code), and as "non-employee directors" (as that term is used for
purposes of Rule 16b-3).

   7.2 The Committee shall have full power and authority to administer and
interpret the provisions of the Plan and to adopt such rules, regulations,
agreements, guidelines, and instruments for the administration of the Plan and
for the conduct of its business as the Committee deems necessary or advisable.

   7.3 Except with respect to matters which under Section 162(m)(4)(C) of the
Code are required to be determined in the sole and absolute discretion of the
Committee, the Committee shall have full power to delegate to any officer or
employee of the Company the authority to administer and interpret the
procedural aspects of the Plan, subject to the Plan's terms, including
adopting and enforcing rules to decide procedural and administrative issues.

   7.4 The Committee may rely on opinions, reports or statements of officers
or employees of the Company or any subsidiary thereof and of Company counsel
(inside or retained counsel), public accountants, and other professional or
expert persons.

                                      C-6

<PAGE>

   7.5 No member of the Committee shall be liable for any action taken or
omitted to be taken or for any determination made by him or her in good faith
with respect to the Plan, and the Company shall indemnify and hold harmless
each member of the Committee against any cost or expense (including counsel
fees) or liability (including any sum paid in settlement of a claim with the
approval of the Committee) arising out of any act or omission in connection
with the administration or interpretation of the Plan, unless arising out of
such person's own fraud or bad faith.

   7.6 The place of administration of the Plan shall be in the Commonwealth of
Pennsylvania, and the validity, construction, interpretation, administration,
and effect of the Plan and of its rules and regulations, and rights relating
to the Plan, shall be determined solely in accordance with the laws of the
Commonwealth of Pennsylvania.

ARTICLE VIII--TERM OF PLAN, AMENDMENT AND TERMINATION

   8.1 The Plan shall terminate as of the date of the first meeting of the
shareholders of the Company that occurs in 2006, unless the material terms of
the Plan, including a new term, are disclosed to and approved by shareholders
on or before the date of such shareholders meeting.

   8.2 The Plan may be suspended, terminated, or reinstated, in whole or in
part, at any time by the Board. The Board may from time to time make such
amendments to the Plan as it may deem advisable, including, any amendments
deemed necessary or desirable to comply with the provisions or Code Section
162(m) relating to "performance-based compensation." Notwithstanding the
foregoing, no amendment to the Plan shall be made without the approval of the
Company's shareholders, which:

     (a) Increases the maximum cash or stock award permitted under the Plan or
which increases the number of shares of Common Stock available for awards
under the Plan;

     (b) Extends the term of the Plan;

     (c) Materially modifies the requirements as to eligibility for
participation in the Plan;

     (d) Changes the business criteria which may be used in establishing
Performance Goals;

     (e) Otherwise modifies the Plan in a manner that would cause the Plan to
fail to meet the requirements under Code Section 162(m) applicable to payments
of "performance-based compensation"; or

     (f) Causes any stock awards to fail to be exempt under the requirements
of Rule 16b-3.

   8.3 Termination or amendment of the Plan shall not, without the consent of
the Participant, diminish a Participant's rights with respect to any bonus
program in effect with respect to the Performance Period in which such
amendment or termination occurs except to the extent that such amendment or
termination is determined by the Committee to be necessary or appropriate in
connection with maintaining the qualification of bonuses under the Plan as
"performance-based compensation" for purposes of Code Section 162(m).

                                      C-7

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