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                                                                   EXHIBIT 10(h)

                           FLEETWOOD ENTERPRISES, INC.
                   1992 NONEMPLOYEE DIRECTOR STOCK OPTION PLAN
                          (AS AMENDED ON JUNE 12, 2001)

I.   GENERAL PROVISIONS

         1.1 PURPOSES OF THE PLAN. Fleetwood Enterprises, Inc. (the "Company")
has adopted this 1992 Nonemployee Director Stock Option Plan (the "Plan") to
enable the Company to attract and retain the services of experienced and
knowledgeable Nonemployee Directors and to align further their interests with
those of the stockholders of the Company by providing for or increasing the
proprietary interests of the Nonemployee Directors in the Company.

         1.2 DEFINITIONS. The following terms, when used in this Plan, shall
have the meanings set forth in this Section 1.2:

                  (a) "Award" means an award of any Stock Option under the Plan.

                  (b) "Board" or "Board of Directors" means the Board

                  (c) "Common Stock" means the common stock of the Company, par
value $1.00 per share.

                  (d) "Company" means Fleetwood Enterprises, Inc., a Delaware
corporation, or any successor thereto.

                  (e) "Fair Market Value" means the closing sale price of a
share of Common Stock on the New York Stock Exchange Composite Transactions on
the date of a Stock Option is granted, or if not granted on a trading day, on
the immediately preceding trading day.

                  (f) "Nonemployee Director" means any member of the Board of
Directors who is not an employee of the Company or of any parent or subsidiary
corporation (as defined in Section 424 of the Internal Revenue Code of 1986, as
amended) with respect to the Company.

                  (g) "Participant" means any Nonemployee Director who receives
an Award pursuant to the terms of the Plan.

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                  (h) "Plan" means the Fleetwood Enterprises, Inc. 1992
Nonemployee Director Stock Options Plan as set forth herein, as amended from
time to time.

                  (i) "Stock Option" means a right to purchase Common Stock
         which is the subject of an Award under this Plan and the provisions of
         Article III hereof.

         1.3  COMMON SHARES SUBJECT TO PLAN.

                  (a) Subject to the provisions of Sections 1.3(c) and 4.1, the
maximum number of shares of Common Stock which may be issued pursuant to Awards
under this Plan shall not exceed 200,000 shares.

                  (b) The shares of Common Stock to be delivered under the Plan
shall be made available, at the discretion of the Board of Directors, either
from authorized but unissued shares of Common Stock, or from previously issued
shares of Common Stock reacquired by the Company, including shares purchased in
the open market.

                  (c)Shares of Common Stock subject to the unexercised
portion of any Stock Option granted under this Plan that expires, terminates
or is canceled, will again become available for grant of further Awards under
this Plan.

II. AWARDS OF STOCK OPTIONS

         2.1  AWARD GRANTS

                  (a) Upon the first business day following the effective date
of this Plan, as determined pursuant to Section 5.2 hereof, and on the first
business day following any annual meeting of the stockholders of the Company in
each calendar year thereafter for so long as this Plan remains in effect, each
Nonemployee Director who is then serving as a member of the Board of Directors
shall automatically be granted an Award consisting of Stock Options covering
4,000 shares of Common Stock.

                  (b) Each Nonemployee Director who is appointed or elected
other than at an annual meeting of stockholders of the Company (whether by
replacing a director who retires, resigns or otherwise terminates his service as
a director prior to the expiration of his term or otherwise) shall automatically
be granted an Award as of the date of such appointment consisting of a number of
shares of Common Stock determined by multiplying 4,000 by a fraction, the
numerator of which is the number of days from the date of grant to the date of
the next scheduled annual

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meeting of stockholders of the Company and the denominator of which is 365
(exclusive of fractional shares).

         2.2 AWARD PROCEDURES. All Nonemployee Directors shall receive Awards
under this Plan, which Awards shall be granted automatically as provided in this
Article II. A Nonemployee Director to whom an Award has been made shall be
notified of the Award, and the Company shall promptly cause to be prepared and
executed a written agreement evidencing the Stock Options which are the subject
of such Award.

         2.3 SECURITIES LAW REQUIREMENTS. Shares of Common Stock shall not be
offered or issued under this Plan unless the offer, issuance and delivery of
such shares shall comply with all applicable provisions of law, domestic or
foreign, including, without limitation, the Securities Act of 1933, as amended,
the California Corporate Securities Law of 1968, as amended, and the
requirements of any stock exchange upon which the Common stock may then be
listed. As a condition precedent to the issuance of shares of Common Stock
pursuant to an Award, the Company may require the Participant to take any
reasonable action to comply with such requirements.

III.     STOCK OPTIONS

         3.1 PURCHASE PRICE. The purchase price of Common Stock issuable upon
exercise of each Stock Option shall be the Fair Market Value, as of the date of
grant of the Stock Option, of the Common Stock subject to such Stock Option.

         3.2 STOCK OPTION TERM. Unless earlier exercised or terminated pursuant
to the provisions of Section 3.4, each Stock Option shall expire and no longer
be exercisable on a date which is ten years after the date of grant.

         3.3 EXERCISE OF STOCK OPTIONS. Options granted shall become exercisable
immediately upon issuance. Options shall remain exercisable until the Stock
Option is exercised or expires as provided in this Article III. At the time of
the exercise of a Stock Option, the purchase price shall be paid in full in
cash, or in shares of Common Stock valued at their Fair Market Value on the
exercise date. No fractional shares will be issued pursuant to the exercise of a
Stock Option, nor will any cash payment be made in lieu of fractional shares.

         3.4 TERMINATION OF DIRECTOR STATUS. In the event that the holder of
Stock Options ceases to be a director of the Company for any reason
("Termination"), all Stock Options shall thereafter be exercisable until the
earlier to occur of three years from the date of Termination or ten years from
the date of the grant of such Stock Option.

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         3.5 DIVIDEND EQUIVALENTS. The Company shall pay to holders of Stock
Options an amount for each share of Common Stock issuable upon exercise of such
Stock Options a "Dividend Equivalent" equal to the cash or other consideration
paid as a dividend or distribution (other than a dividend or distribution
payable in Common Stock) by the Company with respect to its outstanding shares
of Common Stock. Dividend Equivalents shall be paid, with respect to any record
date for such dividend or distribution occurring on or after the date of grant
of any Stock Option to and including the date of exercise or termination of such
Stock Option, in the same manner as provided for holders of Common Stock.

         3.6 RIGHTS WITH RESPECT TO COMMON STOCK. No Participant and no
beneficiary or other person claiming under or through such Participant will have
any right, title or interest in or to any shares of Common Stock subject to any
Stock Option unless and until such Stock Option is dully exercised pursuant to
the terms of this Plan.

IV.  ADJUSTMENT PROVISIONS

         4.1 CHANGES IN OUTSTANDING SECURITIES. Subject to Section 4.2 below,
(i) if the outstanding shares of Common Stock of the Company are increased,
decreased or exchanged for a different number or kind of shares or other
securities of the Company, or if additional shares or new or different shares or
other securities of the Company are distributed in respect of such shares of
Common Stock (or any stock or securities received with respect to such Common
Stock), through reorganization, recapitalization, reclassification, stock
dividend, stock split, reverse stock split, spin-off or other distribution with
respect to such shares of Common Stock (or any stock or securities received with
respect to such Common Stock), or (ii) if the value of the outstanding shares of
Common Stock of the Company is reduced by reason of an extraordinary cash
dividend, an appropriate and proportionate adjustment may be made in (x) the
maximum number and kind of shares provided in Section 1.3, (y) the number and
kind of shares or other securities subject to then outstanding Stock Options,
and (z) the purchase or exercise price for each share of Common Stock subject to
an outstanding Stock Option.

         4.2 TERMINATION EVENTS. Upon the dissolution or liquidation of the
Company or upon a reorganization, merger or consolidation of the Company with
one or more corporations, as a result of which the Company goes out of existence
or becomes a subsidiary of another corporation, or upon a sale of substantially
all of the property of the Company to another corporation (in each of such cases
a "Termination Event"), this Plan shall terminate. Any Stock Option therefore
granted under the Plan and not exercised on or prior to the Termination Event
shall expire and terminate, unless provisions be made in writing in

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connection with such Termination Event for the assumption of the Stock Option or
the substitution for such Stock Option of a new option covering the stock of a
successor corporation, or a parent or subsidiary thereof or of the Company, with
appropriate adjustments as to number and kind of shares and prices, in which
event such Stock Option shall continue in the manner and under the terms so
provided.

         4.3 OTHER ADJUSTMENTS. Adjustments under this Article IV will be made
by the Board, whose determination as to what adjustments will be made and the
extent thereof will be final, binding and conclusive. No fractional interests
will be issued under the Plan resulting from any such adjustments.

V.   MISCELLANEOUS PROVISIONS

         5.1  AMENDMENT, SUSPENSION, TERMINATION OR INTERPRETATION OF THE PLAN.

         (a) The Board of Directors may at any time amend, suspend, or terminate
the Plan; provided, however, that no such action shall:

             (i) increase the maximum number of shares specified in Section
         1.3(a), unless approved by the stockholders of the Company;

             (ii) alter, terminate or impair in any manner which is materially
         adverse to a Participant any Award previously granted;

             (iii) change the nondiscretionary manner in which Awards are made
         under Article II; or

             (iv) change more than once in any six-month period, provisions
         of the Plan dealing with the amount of any Award, the purchase price of
         the Common Stock which is the subject of any Award, or the timing of
         the grant or exercise with respect to Awards.

         (b) Plan Interpretation. Questions of interpretation of any of the
provisions of the Plan shall be resolved by competent legal counsel selected by
the Chief Executive Officer of the Company.

         5.2 EFFECTIVE DATE AND DURATION OF PLAN. This Plan has been approved by
the Board and shall become effective on the date of its approval by the holders
of a majority of the outstanding shares of Common Stock present in person or by
proxy and entitled to vote at a meeting of the stockholders of the Company. This
Plan shall terminate at such time as the Board, in its discretion, shall
determine. No Award may

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be granted under the Plan after the date of such termination, but such
termination shall not affect any Award theretofore granted and any shares of
Common stock subject thereto.

         5.3 DIRECTOR STATUS. Nothing in this Plan or in any instrument executed
pursuant hereto shall confer upon any Nonemployee Director any right to continue
as a member of the Board of Directors of the Company or any subsidiary thereof.

         5.4 NO ENTITLEMENT TO SHARES. No Nonemployee Director (individually or
as a member of a group), and no beneficiary or other person claiming under or
through such Nonemployee Director, shall have any right, title or interest in or
to any shares of Common Stock allocated or reserved for the purpose of the Plan
or subject to any Award except as to such shares of Common Stock, if any, as
shall have been issued to such Nonemployee Director.

         5.5 WITHHOLDING OF TAXES. The Company may make such provisions as it
deems appropriate for the withholding by the Company pursuant to federal or
state income tax laws of such amounts as the Company determines it is required
to withhold in connection with any Award. The Company may require a Participant
to satisfy any relevant tax requirements before authorizing any issuance of
Common Stock to such Participant or payment of any other benefit hereunder to
such Participant. Any such settlement shall be made in the form of cash, a bank
cashier's check or such other form of consideration as is satisfactory to the
Board.

         5.6 TRANSFERABILITY. Awards, any interest therein, and the right to
receive the proceeds thereof shall not be transferable by a Participant, other
than by will or the laws of descent and distribution. The transfer by a
Participant to a trust created by the Participant for the benefit of the
Participant or the Participant's family which is revocable at any and all times
during the Participant's lifetime by the Participant and as to which the
Participant is the sole trustee during his or her lifetime will not be deemed to
be a transfer for purposes of the Plan. Under such rules and regulations as the
Committee may establish pursuant to the terms of the Plan, a beneficiary may be
designated with respect to an Award in the event of the death of a Participant.
If the estate of the Participant is the beneficiary with respect to an Award,
any rights with respect to such Award may be transferred to the person or
persons or entity (including a trust) entitled thereto under the will of such
Participant or pursuant to the laws of descent and distribution.

         5.7 OTHER PLANS. Nothing in this Plan is intended to be a substitute
for, or shall preclude or limit the establishment or continuation of, any other
plan, practice or arrangement for the payment of compensation or

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benefits to directors generally, which the Company now has or may hereafter
lawfully put into effect, including, without limitation, any retirement,
pension, insurance, stock purchase, incentive compensation or bonus plan.

         5.8 SINGULAR, PLURAL; GENDER. Whenever used herein, nouns in the
singular shall include the plural, and the masculine pronoun shall include the
feminine gender, as the context may require.

         5.9 APPLICABLE LAW. This Plan shall be governed by, interpreted under,
and construed and enforced in accordance with the internal laws of the State of
California.

         5.10 SUCCESSORS AND ASSIGNS. The Plan and any agreement with respect to
an Award shall be binding upon the successors and assigns of the Company and
upon each Participant and such Participant's heirs, executors, administrators,
personal representatives, permitted assignees and successors in interest.<Page>

                                                                   EXHIBIT 10(k)

                               INDEMNITY AGREEMENT

         This agreement is made as of the ___ day of __________, 2000, between
Fleetwood Enterprises, Inc., a Delaware corporation (the "Corporation"), and the
undersigned ("Agent"), with reference to the following facts:

                                    RECITALS

         A. The Agent is currently serving as an Director of the Corporation and
the Corporation wishes the Agent to continue in such capacity. The Agent is
willing under certain cirumstances, to continue in such capacity.

         B. The Corporation and the Agent are of the belief that the indemnities
available under the Corporation's bylaws and available insurance may not be
adequate to protect the Agent against the risks associated with the Agent's
service to the Corporation.

                                    AGREEMENT

         In order to induce the Agent to continue to serve as an Director of the
Corporation and in consideration for his continued service, the Corporation
hereby agrees to indemnify the Agent as follows:

         1. The Corporation will pay on behalf of the Agent, and his executors,
administrators or assigns, any amount which he is or becomes legally obligated
to pay because of any claim or claims made against him because of any act or
omission or neglect or breach of duty, including any actual or alleged error or
misstatement or misleading statement, which he commits or suffers while acting
in his capacity as an Director of the Corporation and solely because of his
being an Director. The payments which the Corporation will be obligated to make
hereunder shall include, inter alia, damages, judgments, settlements and costs,
cost of investigation (excluding salaries of officers and employees of the
Corporation) and costs of defense of legal actions, claims or proceedings and
appeals therefrom, and costs of attachment or similar bonds; provided however,
that the Corporation shall not be obligated to pay fines or obligations or fees
imposed by law or otherwise make any payments hereunder which it is prohibited
by applicable law from paying as indemnity or for any other reason.

         2. If a Claim under this Agreement is not paid by the Corporation, or
on its behalf, within ninety days after a written claim has been received by the
Corporation, the claimant may at any time thereafter bring suit against the
Corporation to recover the unpaid amount of the claim and if successful in whole
or in part, the claimant shall be entitled to be paid also the expense of
prosecuting such claim.

         3. In the event of payment under this Agreement, the Corporation shall
be subrogated to the extent of such payment to all of the rights of recovery of
the Agent, who shall execute all papers required and shall do everything that
may be necessary to

<Page>

secure such rights, including the execution of such documents necessary to
enable the Corporation effectively to bring suit to enforce such rights.

         4. The Corporation shall not be liable under this Agreement to make any
payment in connection with any claim made against the Agent:

           (a) for which payment is actually made to the Agent under a valid and
collective insurance policy, except in respect of any excess beyond the amount
of payment under such insurance;

           (b) for which the Agent is entitled to indemnity and/or payment by
reason of having given notice of any circumstance which might give rise to a
claim under any policy of insurance, the terms of which have expired prior to
the effective date of this Agreement;

           (c) for which the Agent is indemnified by the Corporation otherwise
than pursuant to this Agreement;

           (d) based upon or attributable to the Agent gaining in fact any
personal profit or advantage to which he was not legally entitled;

           (e) for an accounting of profits made from the purchase or sale by
the Agent of securities of the Corporation within the meaning of Section 16(b)
of the Securities Exchange Act of 1934 and amendments thereto or similar
provisions of any state statutory law or common law; or

           (f) brought about or contributed to by the dishonesty of the Agent
seeking payment hereunder; however, notwithstanding the foregoing, the Agent
shall be protected under this Agreement as to any claims upon which suit may be
brought against him by reason of any alleged dishonesty on his part, unless a
judgment or other final adjudication thereof adverse to the Agent shall
establish that he committed (i) acts of active and deliberate dishonesty (ii)
with actual dishonest purpose and intent, which acts were material to the cause
of action so adjudicated.

         5. No costs, charges or expense for which indemnity shall be sought
hereunder shall be incurred without the Corporation's consent, which consent
shall not be unreasonably withheld.

         6. The Agent, as a condition precedent to his right to be indemnified
under this Agreement, shall give to the Corporation notice in writing as soon as
practicable of any claim made against him for which indemnity will or could be
sought under this Agreement. Notice to the Corporation shall be directed to the
Corporation at its Corporate Headquarters, attention: The Corporate Secretary
(or such address as to the Corporation shall designate in writing to the Agent);
notice shall be deemed received if sent by prepaid mail properly addressed, the
date of such notice being the date postmarked. In addition, the Agent shall give
the Corporation such information and cooperation as it may reasonably require
and as shall be within the Agent's power.

         7. Costs and expenses (including attorney's fees) incurred by the Agent
in defending or investigating any action, suit, proceeding or investigation
shall be paid by

<Page>

the Corporation in advance of the final disposition of such matter, if the Agent
shall undertake in writing to repay any such advances in the event that it is
ultimately determined that the Agent is not entitled to indemnification under
the terms of this Agreement. Notwithstanding the foregoing or any other
provision of this Agreement, no advance shall be made by the Corporation if a
determination is reasonably and promptly made by the board of directors by a
majority vote of a quorum of disinterested directors, or ( if such a quorum is
not obtainable or, even if obtainable, a quorum of disinterested directors so
directs) by independent legal counsel, that, based upon the facts known to the
board or counsel at the time such determination is made, (a) the Agent acted in
bad faith or deliberately breached his duty to the corporation or its
stockholders, and (b) as a result of such actions by the Agent, it is more
likely than not that it will ultimately be determined that the Agent is not
entitled to indemnification under the terms of this Agreement.

         8. Nothing herein shall be deemed to diminish or otherwise restrict the
Agent's right to indemnification under any provision of the certificate of
incorporation or bylaws of the Corporation or under Delaware law.

         9. This Agreement shall be governed by and construed in accordance with
Delaware law.

          10. This Agreement shall be binding upon all successors and assigns of
the Corporation (including any transferee of all or substantially all of its
assets and any successor by merger or operation of law) and shall inure to the
benefit of the heirs, personal representatives and estate of the Agent.

         IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
duly executed and signed as of the day and year first above written.

                                    FLEETWOOD ENTERPRISES, INC.

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

                                     ----------------------------------
                                      Agent,

<Page>

                               INDEMNITY AGREEMENT

         This agreement is made as of the ____ day of _________l, 2001, between
Fleetwood Enterprises, Inc., a Delaware corporation (the "Corporation"), and the
undersigned ("Agent"), with reference to the following facts:

                                    RECITALS

         A. The Agent is currently serving as an Officer of the Corporation and
the Corporation wishes the Agent to continue in such capacity. The Agent is
willing under certain cirumstances, to continue in such capacity.

         B. The Corporation and the Agent are of the belief that the indemnities
available under the Corporation's bylaws and available insurance may not be
adequate to protect the Agent against the risks associated with the Agent's
service to the Corporation.

                                    AGREEMENT

         In order to induce the Agent to continue to serve as an Officer of the
Corporation and in consideration for his continued service, the Corporation
hereby agrees to indemnify the Agent as follows:

         1. The Corporation will pay on behalf of the Agent, and his executors,
administrators or assigns, any amount which he is or becomes legally obligated
to pay because of any claim or claims made against him because of any act or
omission or neglect or breach of duty, including any actual or alleged error or
misstatement or misleading statement, which he commits or suffers while acting
in his capacity as an Officer of the Corporation and solely because of his being
an Officer. The payments which the Corporation will be obligated to make
hereunder shall include, inter alia, damages, judgments, settlements and costs,
cost of investigation (excluding salaries of officers or employees of the
Corporation) and costs of defense of legal actions, claims or proceedings and
appeals therefrom, and costs of attachment or similar bonds; provided however,
that the Corporation shall not be obligated to pay fines or obligations or fees
imposed by law or otherwise make any payments hereunder which it is prohibited
by applicable law from paying as indemnity or for any other reason.

         2. If a Claim under this Agreement is not paid by the Corporation, or
on its behalf, within ninety days after a written claim has been received by the
Corporation, the claimant may at any time thereafter bring suit against the
Corporation to recover the unpaid amount of the claim and if successful in whole
or in part, the claimant shall be entitled to be paid also the expense of
prosecuting such claim.

         3. In the event of payment under this Agreement, the Corporation shall
be subrogated to the extent of such payment to all of the rights of recovery of
the Agent, who shall execute all papers required and shall do everything that
may be necessary to

<Page>

secure such rights, including the execution of such documents necessary to
enable the Corporation effectively to bring suit to enforce such rights.

         4. The Corporation shall not be liable under this Agreement to make any
payment in connection with any claim made against the Agent:

           (a) for which payment is actually made to the Agent under a valid and
collective insurance policy, except in respect of any excess beyond the amount
of payment under such insurance;

           (b) for which the Agent is entitled to indemnity and/or payment by
reason of having given notice of any circumstance which might give rise to a
claim under any policy of insurance, the terms of which have expired prior to
the effective date of this Agreement;

           (c) for which the Agent is indemnified by the Corporation otherwise
than pursuant to this Agreement;

           (d) based upon or attributable to the Agent gaining in fact any
personal profit or advantage to which he was not legally entitled;

           (e) for an accounting of profits made from the purchase or sale by
the Agent of securities of the Corporation within the meaning of Section 16(b)
of the Securities Exchange Act of 1934 and amendments thereto or similar
provisions of any state statutory law or common law; or

           (f) brought about or contributed to by the dishonesty of the Agent
seeking payment hereunder; however, notwithstanding the foregoing, the Agent
shall be protected under this Agreement as to any claims upon which suit may be
brought against him by reason of any alleged dishonesty on his part, unless a
judgment or other final adjudication thereof adverse to the Agent shall
establish that he committed (i) acts of active and deliberate dishonesty (ii)
with actual dishonest purpose and intent, which acts were material to the cause
of action so adjudicated.

         5. No costs, charges or expense for which indemnity shall be sought
hereunder shall be incurred without the Corporation's consent, which consent
shall not be unreasonably withheld.

         6. The Agent, as a condition precedent to his right to be indemnified
under this Agreement, shall give to the Corporation notice in writing as soon as
practicable of any claim made against him for which indemnity will or could be
sought under this Agreement. Notice to the Corporation shall be directed to the
Corporation at its Corporate Headquarters, attention: The Corporate Secretary
(or such address as to the Corporation shall designate in writing to the Agent);
notice shall be deemed received if sent by prepaid mail properly addressed, the
date of such notice being the date postmarked. In addition, the Agent shall give
the Corporation such information and cooperation as it may reasonably require
and as shall be within the Agent's power.

         7. Costs and expenses (including attorney's fees) incurred by the Agent
in defending or investigating any action, suit, proceeding or investigation
shall be paid by

<Page>

the Corporation in advance of the final disposition of such matter, if the Agent
shall undertake in writing to repay any such advances in the event that it is
ultimately determined that the Agent is not entitled to indemnification under
the terms of this Agreement. Notwithstanding the foregoing or any other
provision of this Agreement, no advance shall be made by the Corporation if a
determination is reasonably and promptly made by the board of directors by a
majority vote of a quorum of disinterested directors, or ( if such a quorum is
not obtainable or, even if obtainable, a quorum of disinterested directors so
directs) by independent legal counsel, that, based upon the facts known to the
board or counsel at the time such determination is made, (a) the Agent acted in
bad faith or deliberately breached his duty to the corporation or its
stockholders, and (b) as a result of such actions by the Agent, it is more
likely than not that it will ultimately be determined that the Agent is not
entitled to indemnification under the terms of this Agreement.

         8. Nothing herein shall be deemed to diminish or otherwise restrict the
Agent's right to indemnification under any provision of the certificate of
incorporation or bylaws of the Corporation or under Delaware law.

         9. This Agreement shall be governed by and construed in accordance with
Delaware law.

         10. This Agreement shall be binding upon all successors and assigns of
the Corporation (including any transferee of all or substantially all of its
assets and any successor by merger or operation of law) and shall inure to the
benefit of the heirs, personal representatives and estate of the Agent.

         IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
duly executed and signed as of the day and year first above written.

                                    FLEETWOOD ENTERPRISES, INC.

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

                                     -----------------------------------
                                      Agent

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