Document:

Unassociated Document

     

    SKY
      FINANCIAL GROUP, INC. NON-QUALIFIED RETIREMENT PLAN

    (As
      Amended Through the Sixth Amendment, Effective December 15, 2002)

     

    Prior
      to
      October 2, 1998, Mid Am, Inc. ("Mid Am") maintained the Mid Am, Inc.
      Non-Qualified Retirement Plan (the "Mid Am Plan").  Mid Am merged into
      Citizens Bancshares, Inc. effective October 2, 1998 (the "Merger Date"), with
      the resulting corporation renamed Sky Financial Group, Inc.  (the
      "Company").  The Company became the sponsor of the Mid Am Plan on the
      Merger Date, and hereby amends and restates the Mid Am Plan effective January
      1,
      1999 in the form of this Sky Financial Group, Inc. Non-Qualified Retirement
      Plan
      (the "Plan").  On and after the Merger Date, the Plan covers all
      Directors and Eligible Employees of the Company.

     

    Prior
      to
      December 31, 2000, the Company maintained the First Western Bancorp, Inc.
      Supplemental Executive Retirement Plan (the "First Western Plan") for the
      benefit of eligible management and executive employees who were employed by
      First Western Bancorp, Inc. and its subsidiaries, and their
      beneficiaries.  Effective December 31, 1999, the First Western Plan
      was frozen for all purposes.  Effective on December 31, 2000, the
      First Western Plan was merged into this Plan.

     

    The
      Plan
      is designed to ensure that the benefits provided to Directors and Eligible
      Employees enhance the overall effectiveness of the Company's executive
      compensation program and to attract, retain and motivate such
      individuals.

     

    Accordingly,
      the Company hereby adopts the Plan pursuant to the terms and provisions set
      forth below:

     

    ARTICLE
      I

     

    DEFINITIONS

     

    Wherever
      used herein the following terms shall have the meanings hereinafter set
      forth:

     

    1.1.  "Account"
      means the account maintained under the Plan in a Participant's name to which
      all
      Plan contributions, and earnings and losses thereon, are credited.  A
      Participant's Account consists of the following subaccounts:

     

    (a)  for
      Directors who are Participants, a Compensation Deferral Account, a Discretionary
      Company Contributions Account, a Stock Option Deferral Account and a Rollover
      Contributions Account; and

     

    (b)  for
      Eligible Employees who are Participants, a Compensation Deferral Account, a
      Supplemental Matching Contributions Account, a Supplemental Profit Sharing
      Contributions Account, a Supplemental Pension Contributions Account, a
      Discretionary Company Contributions Account, a Stock Option Deferral Account,
      a
      Rollover Contributions Account and a Frozen Profit Sharing Account.

     

    1.2.  "Affiliated
      Company" means a business entity, or predecessor of such entity, if any, that
      is
      a member of a controlled group of corporations of which the Company is also
      a

     

    
      
        
        

      

      
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    member.  The
      Eligible Employees and Directors of each Affiliated Company will be covered
      by
      the Plan upon approval by the Committee.

     

    1.3.  "Board"
      means the Board of Directors of the Company.

     

    1.4.  "Bonus"
      means the additional cash remuneration payable to a Participant annually
      pursuant to the Sky Financial Group, Inc. Annual Cash Incentive Plan.
      "Additional Remuneration" means the Bonus and additional cash remuneration
      payable to a Participant annually pursuant to an Employer's performance
      compensation program or any other plan, program or arrangement under which
      an
      Employer pays an amount of cash remuneration to a Participant above such
      Participant's Salary, prior to any Deferral Contributions under this
      Plan.

     

    1.5.  "Change
      in
      Control" means any one or more of the following events:

     

    (a)  Individuals
      who constitute the Board immediately after the Merger Date (the "Incumbent
      Directors") cease for any reason to constitute at least a majority of the Board,
      provided that any person becoming a Director subsequent thereto whose election
      or nomination for election was approved by a vote of at least two-thirds of
      the
      Incumbent Directors then on the Board  (either by a specific vote or
      by approval of the proxy statement of the Company in which such person is named
      as a nominee for Director, without written objection to such nomination) shall
      be an Incumbent Director, provided, however, that no individual initially
      elected or nominated as a Director of the Company as a result of an actual
      or
      threatened election contest with respect to Directors or as a result of any
      other actual or threatened solicitation of proxies or consents by or on behalf
      of any person other than the Board shall be deemed to be an Incumbent
      Director;

     

    (b)  Any
      "person" (as such term is defined in Section 3(a)(9) of the Securities Exchange
      Act of 1934 (the "1934 Act") and as used in Sections 13(d)(3) and 14(d)(2)
      of
      the 1934 Act) is or becomes a "beneficial owner" (as defined in Rule 13d-3
      under
      the 1934 Act), directly or indirectly, of securities of the Company representing
      twenty-five percent (25%) or more of the combined voting power of the Company's
      then outstanding securities eligible to vote for the election of the Board
      (the
      "Company Voting Securities"); provided, however, that the event described in
      this Section 1.5(b) shall not be deemed to be a Change in Control by virtue
      of
      any of the following acquisitions: (i) by the Company or any subsidiary, (ii)
      by
      any employee benefit plan (or related trust) sponsored or maintained by the
      Company or any subsidiary or (iii) by any underwriter temporarily holding
      securities pursuant to an offering of such securities;

     

    (c)  The
      consummation of a merger, consolidation, statutory share exchange or similar
      form of corporate transaction involving the Company or any of its subsidiaries
      that requires the approval of the Company's stockholders, whether for such
      transaction or the issuance of securities in the transaction (a "Business
      Combination"), unless immediately following such Business Combination: (i)
      more
      than sixty percent (60%) of the total voting power of (x) the company resulting
      from such Business Combination (the "Surviving Company"), or (y) if applicable,
      the ultimate parent company that directly or indirectly has beneficial ownership
      of one hundred percent (100%) of the voting securities eligible to elect
      directors of the Surviving Company (the "Parent Company"), is 

     

    
      
        
        

      

      
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    represented
      by Company Voting Securities that were outstanding immediately prior to such
      Business Combination (or, if applicable, is represented by shares into which
      such Company Voting Securities were converted pursuant to such Business
      Combination), and such voting power among the holders thereof is in
      substantially the same proportion as the voting power of such Company voting
      Securities among the holders thereof immediately prior to the Business
      Combination; (ii) no person (other than any employee benefit plan (or related
      trust) sponsored or maintained by the Surviving Company or the Parent Company),
      is or becomes the beneficial owner, directly or indirectly, of twenty-five
      percent (25%) or more of the total voting power of the outstanding voting
      securities eligible to elect directors of the Parent Company (or, if there
      is no
      Parent Company, the Surviving Company); and (iii) at least fifty percent (50%)
      of the members of the board of directors of the Parent Company (of, if there
      is
      no Parent Company, the Surviving Company) following the consummation of the
      Business Combination were Incumbent Directors at the time of the Board of
      Directors' approval of the execution of the initial agreement providing for
      such
      Business Combination; or

     

    (d)  The
      stockholders of the Company approve a plan of complete liquidation or
      dissolution of the Company or a sale of all or substantially all of the
      Company's assets or deposits.

     

    Notwithstanding
      the foregoing, a Change in Control of the Company shall not be deemed to occur
      solely because any person acquires beneficial ownership of more than twenty-five
      percent (25%) of the Company Voting Securities as a result of the acquisition
      of
      Company Voting Securities by the Company which reduces the number of Company
      Voting Securities outstanding; provided, however, that if after such acquisition
      by the Company such person becomes the beneficial owner of additional Company
      Voting Securities that increases the percentage of outstanding Company Voting
      Securities beneficially owned by such person, a Change in Control of the Company
      shall then occur.

     

    1.6.  "Code"
      means the Internal Revenue Code of 1986, as amended from time to time, and
      any
      regulations relating thereto.

     

    1.7.  "Committee"
      means the Sky Financial Group, Inc. Benefit Plans Committee, which is
      responsible for the administration of the Plan.

     

    1.8.  "Company"
      means Sky Financial Group, Inc., an Ohio corporation, or, to the extent provided
      in Section 9.9 below, any successor corporation or other entity resulting from
      a
      merger or consolidation into or with the Company or a transfer or sale of
      substantially all of the assets of the Company.

     

    1.9.  "Company
      Stock Fund" means the Investment Fund maintained under the Trust that is
      invested solely in shares of the Company's common stock.

     

    1.10.  "Compensation"
      means a Participant's Salary, Bonus, Director's Fees or Director's Retainer
      payable in any calendar year.  Except as required by applicable law,
      Compensation deferrals elected under this Plan shall not affect the
      determination of Compensation or earnings 

     

    
      
        
        

      

      
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    for
      purposes of any other plan, policy or program maintained by the Company or
      an
      Affiliated Company.

     

    1.11.  "Compensation
      Deferral Account" means the account established for a Participant under the
      Plan
      that is credited with Deferral Contributions under Sections 3.1 and 3.2 of
      the
      Plan.

     

    1.12.  "Deferral
      Agreement" means the written deferral agreement entered into by a Participant
      with the Company pursuant to the terms of Sections 3.1 or 3.2 of the
      Plan.

     

    1.13.  "Deferral
      Contribution" means the elective deferral contribution credited to a
      Participant's Account under the Plan by the Company.

     

    1.14.  "Director"
      means an individual who is a member of the Board,  a member of the
      board of directors of an Affiliated Company, or a "Regional Board"
      member.

     

    1.15.  "Director's
      Fees" means the Board meeting and Board committee meeting fees paid to a
      Director by the Employer.

     

    1.16.  "Director's
      Retainer" means the annual retainer paid to a Director by the
      Employer.

     

    1.17.  "Disability"
      means a Participant is under the regular care of a doctor and prevented by
      a
      medically determinable physical or mental impairment from performing each of
      the
      material duties of his or her regular occupation. Determinations of Disability
      are made by the Committee in its sole discretion.

     

    1.18.  "Discretionary
      Company Contribution" means a discretionary company contribution made by the
      Company on behalf of one or more Participants under the terms of the
      Plan.

     

    1.19.  "Discretionary
      Company Contributions Account" means the account established for a Participant
      under the Plan that is credited with Discretionary Company Contributions under
      Section 2.7 of the Plan.

     

    1.20.  "Eligible
      Employee" means each employee of an Employer who is: (i) classified as a senior
      vice-president or higher; (ii) a commissioned salesperson whom the Committee
      expects to earn at least $100,000 in commissions per year; or (iii) designated
      by the Committee as an Eligible Employee.

     

    1.21.  "Employer"
      means the Company and any Affiliated Company that is approved by the
      Committee.

     

    1.22.  "Employment
      Termination" means the date of (i) an Eligible Employee's termination of
      employment with the Employer, or (ii) a Director's termination of service as
      a
      Director, and shall include such termination for any reason, unless expressly
      indicated otherwise. If an Eligible Employee terminates employment with an
      Employer but continues in service as a Director, the Committee will not
      automatically consider the Participant to have incurred an Employment
      Termination.  A Participant's termination of service as a director of
      the Company in 

     

    
      
        
        

      

      
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    connection
      with the Merger, for which the Participant receives Severance Payments, will
      be
      treated as an Employment Termination for purposes of Article VI of the
      Plan.

     

    1.23.  "Frozen
      Profit Sharing Account" means the account established for a Participant under
      the Plan to which the Participant's balance in his or her Supplemental Profit
      Sharing Contributions Account on December 31, 1998 was transferred, in
      accordance with Section 2.9 of the Plan.

     

    1.24.  "Investment
      Funds" means the various investment funds established and maintained under
      the
      Trust.

     

    1.25.  "Participant"
      means a Director or an Eligible Employee who is eligible for participation
      and
      who has completed all necessary election and enrollment forms provided by the
      Committee.  The term "Participant" also includes an individual with a
      Frozen First Western Plan Account under the Plan.

     

    1.26.  "Plan"
      means the Sky Financial Group, Inc. Non-Qualified Retirement Plan, as set forth
      herein and as hereinafter amended from time to time.

     

    1.27.  "Plan
      Year" means the 12-month period beginning on January 1 and ending on the
      following December 31 of each year.

     

    1.28.  "Qualified
      Pension Plan" means the Sky Financial Group, Inc. Employee Stock Ownership
      Pension Plan, as amended from time to time, and any successor or replacement
      plan.

     

    1.29.  "Qualified
      Plans" mean the Qualified Savings Plan and the Qualified Pension
      Plan.  Except as otherwise provided in this Article I, all defined
      terms used in the Plan that are defined in the Qualified Plans shall have the
      same meaning in the Plan as is set forth in the Qualified Plans.

     

    1.30.  "Qualified
      Plan Compensation Deferral Contribution" means the elective salary reduction
      contribution made by the Company for the benefit of a Participant under the
      terms of the Qualified Savings Plan in any Plan Year.

     

    1.31.  "Qualified
      Plan Pension Contribution" means the employer contribution credited by the
      Company for the benefit of a Participant under the terms of the Qualified
      Pension Plan.

     

    1.32.  "Qualified
      Plan Matching Contribution" means the matching contribution made by the Company
      for the benefit of a Participant under the terms of the Qualified Savings
      Plan.

     

    1.33.  "Qualified
      Plan Profit Sharing Contribution" means the profit sharing contribution made
      by
      the Company for the benefit of a Participant under the terms of the Qualified
      Savings Plan.

     

    1.34.  "Qualified
      Savings Plan" means the Sky Financial Group, Inc. Profit Sharing and 401(k)
      Plan, and any successor or replacement plan.

     

    
      
        
        

      

      
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    1.35.  "Retirement
      Date" means the first day of the calendar month coincident with or next
      following the date on which the Participant attains age sixty-five (65)
      years.

     

    1.36.  "Rollover
      Contributions Account" means the account established for a Participant under
      the
      Plan that is credited with Rollover Contributions under Section 2.8 of the
      Plan.

     

    1.37.  "Salary"
      means a Participant's annual base salary rate for the Plan Year, as specified
      by
      the Employer, prior to any Deferral Contributions under this Plan.

     

    1.38.  "Stock
      Option Plan" means each of the Mid Am, Inc. 1992 Stock Option Plan, the 1997
      Mid
      Am, Inc. Stock Option Plan, and such other stock option plans as may be adopted
      by the Company, each as amended from time to time.

     

    1.39.  "Stock
      Option Deferral Account" means the account established for a Participant under
      the Plan that is credited with Stock Option Deferral Amounts under Section
      3.1
      of the Plan.

     

    1.40.  "Supplemental
      Matching Contribution" means the matching contribution credited by the Company
      for the benefit of a Participant under the terms of the Plan.

     

    1.41.  "Supplemental
      Matching Contributions Account" means the account established for a Participant
      under the Plan that is credited with Supplemental Matching Contributions under
      Section 2.4 of the Plan.

     

    1.42.  "Supplemental
      Pension Contributions Account" means the account established for a Participant
      under the Plan that is credited with Supplemental Pension Contributions under
      Section 2.6 of the Plan.

     

    1.43.  "Supplemental
      Profit Sharing Contribution" means the profit sharing contribution credited
      by
      the Company for the benefit of a Participant under the terms of the Plan in
      any
      Plan Year.

     

    1.44.  "Supplemental
      Profit Sharing Contributions Account" means the account established for a
      Participant under the Plan that is credited with Supplemental Profit Sharing
      Contributions under Section 2.5 of the Plan.

     

    1.45.  "Trust"
      means a trust agreement entered into by the Company under which the Company
      makes contributions for the purpose of accumulating assets to assist the
      Employers in fulfilling their obligations to Participants
      hereunder.

     

    1.46.  "Year
      of
      Service" means each 12-consecutive month period of an Eligible Employee's
      continuous employment, or a Director's continuous service, with an
      Employer.

     

    
      
        
        

      

      
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    ARTICLE
      II

     

    CONTRIBUTIONS

     

    2.1.  Director's
      Deferral Contributions.  A Participant who is a Director may elect
      to defer a whole percentage (up to100 percent) of the Director's Fees otherwise
      payable to him or her by the Employer for a Plan Year.  A Participant
      who is a Director also may elect to defer a whole percentage (up to 100 percent)
      of the Director's Retainer otherwise payable to him or her by the Employer
      for a
      Plan Year.  The amount deferred pursuant to this Section shall be a
      Director's Deferral Contribution credited to the Director's Compensation
      Deferral Account.

     

    2.2.  Eligible
      Employee's Compensation Deferral Contributions.  A Participant who
      is an Eligible Employee may elect to defer a whole percentage (up to 100
      percent) of the Additional Remuneration otherwise payable to him or her by
      the
      Employer for a Plan Year.  A Participant who is an Eligible Employee
      also may elect to defer a whole percentage (up to 50 percent) of the Salary
      otherwise payable to him or her by the Employer for a Plan Year.  The
      amount deferred pursuant to this Section shall be credited to the Participant's
      Compensation Deferral Account.

     

    2.3.  Deferral
      Agreements.  As a condition to the Company's obligation to credit
      any Deferral Contribution for the benefit of a Participant pursuant to Sections
      2.1 or 2.2, the Participant must execute a Compensation Deferral
      Agreement.  A Participant's Compensation Deferral Agreement for any
      Plan Year must be in writing, signed by the Participant, and delivered to the
      Committee prior to  January 1 of that Plan Year; except that, in the
      year in which an Eligible Employee or Director first becomes eligible to
      participate in the Plan (i.e., due to hire or promotion), such Eligible
      Employee or Director may execute a Compensation Deferral Agreement, no later
      than 30 days after such initial eligibility, to defer Compensation for services
      to be performed subsequent to the election.

     

    Neither
      Eligible Employees nor Directors are required to elect Deferral Contributions
      in
      any Plan Year.  However, the minimum amount of Deferral Contribution
      for any Plan Year for which a Deferral Agreement is executed is
      $1,000.

     

    2.4.  Supplemental
      Matching Contributions.  Each Plan Year, the Company will credit a
      Supplemental Matching Contribution to the Plan on behalf of each Participant
      in
      an amount equal to the difference between (a) and (b) below:

     

    (a)  the
      Qualified Plan Matching Contribution that would have been made on behalf of
      the
      Participant for the Plan Year in which an amount is deferred by the Participant
      pursuant to Section 3.2, based on the Participant's Compensation prior to any
      Deferral Contributions under this Plan, and without giving effect to any
      reductions required by the limitations imposed by the Code on the Qualified
      Savings Plan; and

     

    (b)  the
      amount
      of the Qualified Plan Matching Contribution actually made on behalf of the
      Participant for the Plan Year.

     

    All
      Supplemental Matching Contributions
      shall be credited to the Supplemental Matching Contributions Account maintained
      for the Participant.

     

    
      
        
        

      

      
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    2.5.  Supplemental
      Profit Sharing Contributions.  Each Plan Year, the Company will
      credit a Supplemental Profit Sharing Contribution to the Plan on behalf of
      each
      Participant in an amount equal to the difference between (a) and (b)
      below:

     

    (a)  The
      Qualified Plan Profit Sharing Contribution that would have been made on behalf
      of the Participant for the Plan Year, based on the Participant's Compensation
      prior to any Deferral Contributions under this Plan, and without giving effect
      to any reductions required by the limitations imposed by the Code on the
      Qualified Savings Plan; and

     

    (b)  The
      amount
      of the Qualified Plan Profit Sharing Contribution actually made on behalf of
      the
      Participant for the Plan Year.

     

    All
      Supplemental Profit Sharing
      Contributions shall be credited to the Supplemental Profit Sharing Contributions
      Account maintained for the Participant.

     

    2.6.  Supplemental
      Pension Contributions.  Each Plan Year, the Company will credit a
      Supplemental Pension Contribution to the Plan on behalf of each Participant
      in
      an amount equal to the difference between (a) and (b) below:

     

    (a)  The
      Qualified Plan Pension Contribution that would have been made on behalf of
      the
      Participant for the Plan Year, based on the Participant's Compensation prior
      to
      any Deferral Contributions under this Plan, and without giving effect to any
      reductions required by the limitations imposed by the Code on the Qualified
      Pension Plan; and

     

    (b)  The
      amount
      of the Qualified Plan Pension Contribution actually made on behalf of the
      Participant for the Plan Year.

     

    All
      Supplemental Pension Contributions
      shall be credited to the Supplemental Pension Contributions Account maintained
      for the Participant.

     

    2.7.  Discretionary
      Company Contributions. The Company may in its sole discretion contribute to
      the Account of a Participant an amount that it may from time to time deem
      advisable. Such discretionary contributions shall be credited to the
      Discretionary Company Contributions Account maintained for the
      Participant.

     

    2.8.  Rollover
      Contributions. The Committee may, in its sole discretion, accept
      transfers on behalf of a Participant from any non-qualified plan or arrangement
      in which such Participant participated.  The Committee shall not
      accept such transfer to the extent that any amount is subject to current income
      taxation. Transferred amounts shall be credited to the Rollover Contributions
      Account maintained for the Participant.

     

    2.9.  Frozen
      Profit Sharing Accounts. On December 31, 1998, the entire balance of a
      Participant's Supplemental Profit Sharing Contributions Account was transferred
      to the Participant's Frozen Profit Sharing Account.

     

    2.10.  Retirement
      and Severance Payments Made in Connection With the Merger of the Company and
      Citizens Bancshares, Inc.  In connection with the merger of the
      Company and 

     

    
      
        
        

      

      
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    Citizens
      Bancshares, Inc. (the "Merger"), the Employer will offer additional payments
      to
      certain Participants ("Severance Payments") who terminate employment as an
      Eligible Employee or terminate service as a Director.  Participants to
      whom the Company offers Severance Payments may elect to defer all or any portion
      of the Severance Payments by filing a written Deferral Agreement with the
      Committee prior to the time the Employer is to make the Severance
      Payments.  If a Participant elects to defer all or part of the
      Severance Payments under this Plan, the Company will contribute the Severance
      Payments the Participant has elected to defer into an account maintained under
      the Plan in the Participant's name ("Severance Payment Account").  The
      Participant will be fully vested in his or her Severance Payment Account at
      all
      times.  The Plan will invest the Participant's Severance Payment
      Account according to the provisions of Article V of the Plan.  The
      Plan will distribute a Participant's Severance Payment Account according to
      the
      Participant's written election and the terms of Plan Sections 6.2 and 6.3;
      provided that, the Plan will not begin distribution of a Participant's Severance
      Payment Account until at least 12 months from the date of the Participant's
      Deferral Agreement.

     

    2.11.                      Supplemental
      Contributions Made in Connection with Salary Deferrals.  On and
      after January 1, 1999, the Company may offer a Participant the opportunity
      to
      forego up to ten percent (10%) of his or her Salary for the year in exchange
      for
      a specified number or amount of options to purchase the Company's common
      stock.  Effective for Plan Years beginning on or after January 1,
      1999, the Company will make a Supplemental Pension Contribution pursuant to
      Section 2.5, and a Supplemental Profit Sharing Contribution pursuant to Section
      2.6, on behalf of each Participant who elects to reduce his or her Salary in
      exchange for stock options, as if the amount of such Salary reduction was a
      Deferral Contribution under this Plan.

     

    2.12.                      Frozen
      First Western Plan Accounts.  Prior to December 31, 2000, the
      Company maintained the First Western Bancorp, Inc. Supplemental Executive
      Retirement Plan (the "First Western Plan").  The First Western Plan
      has been frozen since December 31, 1999. Effective December 31, 2000, the First
      Western Plan was merged into this Plan.  Amounts transferred from a
      Participant's accounts under the First Western Plan shall be held in the
      Participant's Frozen First Western Plan Account under this Plan.  The
      Participant will be fully vested in his or her Frozen First Western Plan Account
      at all times.  The Plan will invest the Participant's Frozen First
      Western Plan Account according to the provisions of Article V of the
      Plan.  The Plan will distribute a Participant's Frozen First Western
      Plan Account according to the Participant's written election and the terms
      of
      Plan Sections 6.2 and 6.3.

     

    2.13.                      Company
      Contributions for Mid-Year Entrants.  For purposes of determining
      the Company contributions provided for under Sections 2.4, 2.5 and 2.6 above,
      the "Compensation" of an Eligible Employee or Director for the Plan Year in
      which he or she first becomes eligible to participate in the Plan
      (i.e., due to hire, promotion or designation by the Committee), shall
      only include the Salary, Bonus, Director's Fees or Director's Retainer payable
      to such person on and after the first day that he or she first became an
      Eligible Employee or Director in that Plan Year.

     

    
      
        
        

      

      
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    ARTICLE
      III

     

    DEFERRAL
      OF STOCK OPTION INCOME

     

    3.1.  Stock
      Option Deferral Elections.  To the extent permitted under the
      terms of the Stock Option Plan, a Participant who has been granted a
      non-qualified stock option (an "Option") under the Stock Option Plan may elect
      to defer any income or gain that would otherwise be recognized upon the exercise
      of the Option.  If a Participant elects such a deferral, the Company
      will credit the Stock Option Deferral Account of such Participant with the
      number of Stock Units (as defined below) determined under Section 3.2
      below.

     

    3.2.  Crediting
      of Stock Units.  The number of Stock Units to be credited to a
      Participant's Stock Option Deferral Account shall be equal to the fair market
      value, on the date of exercise of the applicable Option, of the excess of:
      (i)
      the number of shares of common stock of the Company to be purchased pursuant
      to
      the exercise of such Option, over (ii) a number of shares of such common stock
      with a fair market value equal to the option price of such
      Option.  Each such Stock Unit, as of any given date, shall have a
      value equal to the fair market value of a share of common stock of the Company
      on such date.  For purposes of this Section, fair market value of
      common stock of the Company shall be defined as the closing price of such common
      stock on the National Market System's NASDAQ Quotation Service on the trading
      day immediately preceding the date as of which fair market value is
      determined.

     

    Additional
      credits shall be made to a Participant's Stock Option Deferral Account in dollar
      amounts equal to the cash value (or the fair market value of dividends paid
      in
      property other than common stock of the Company) that the Optionee would have
      received had he been the owner on each record date of a number of shares of
      common stock equal to the number of Stock Units credited to his Stock Option
      Deferral Account on such date.  In the case of a dividend in common
      stock of the Company, additional credits will be made to the Stock Option
      Deferral Account of the Participant of a number of Stock Units equal to the
      number of shares of common stock that the Participant would have received had
      he
      been the owner on each record date of a number of shares of such common stock
      equal to the number of Stock Units credited to his Stock Option Deferral
      Account.  Any cash dividends (or the value of dividends paid in
      property other than common stock of the Company) shall be converted into Stock
      Units based upon the fair market value of common stock of the Company on the
      record date for payment of any such dividend.

     

    3.3.  "Stock
      Units" means units based upon the fair market value of the common stock of
      the Company and credited to a Stock Option Deferral Account pursuant to Section
      3.1 above.

     

    ARTICLE
      IV

     

    VESTING
      OF PARTICIPANTS' ACCOUNTS

     

    4.1.  Fully
      Vested Accounts. A Participant shall be fully vested in the amount in his or
      her Compensation Deferral Account, Supplemental Matching Contributions Account,
      Rollover Contributions Account and Stock Option Deferral Account at all
      times.

     

    
      
        
        

      

      
        -10-

        
          

        

      

      
        
        

      

    

     

    4.2.  Supplemental
      Profit Sharing and Pension Contributions Accounts.  A Participant
      shall be vested in his or her Supplemental Profit Sharing and Pension
      Contributions Accounts and his or her Frozen Profit Sharing Account after he
      or
      she completes five Years of Service, as illustrated by the following
      schedule:

     

    
      
        	
                Years
                  of Service

              	
                Vested
                  Percentage

              
	
                Less
                  than 2 years

              	
                0%

              
	
                2
                  but less than 3

              	
                40%

              
	
                3
                  but less than 4

              	
                60%

              
	
                4
                  but less than 5

              	
                80%

              
	
                5
                  or
                  more years

              	
                100%

              

      

    

     

    4.3.  Discretionary
      Company Contributions Account.   The Committee, in its sole
      discretion, shall specify in writing, the vesting schedule applicable to any
      Participant or group of Participants, and/or any particular contribution to
      a
      Participant's Discretionary Company Contributions Account.

     

    4.4.  Forfeiture
      Due to Competition or Breach of Confidentiality.  A Participant
      may not, except with the express prior written consent of the Company, for
      a
      period of two (2) years after the Participant's Employment Termination (the
      "Restrictive Period"), directly or indirectly compete with the business of
      the
      Employers, including, but not by way of limitation, by directly or indirectly
      owning, managing, operating, controlling, financing, or by directly or
      indirectly serving as an employee, officer or director of or consultant to,
      or
      by soliciting or inducing, or attempting to solicit or induce, any employee
      or
      agent of an Employer to terminate employment with the Employer and become
      employed by any person, firm, partnership, corporation, trust or other entity
      that owns or operates, a bank, savings and loan association, credit union or
      similar financial institution (a "Financial Institution") within a twenty-five
      (25) miles radius of (i) an Employer's main office or (ii) the office of any
      Employer's Affiliated Companies (the "Restrictive Covenant").  The
      foregoing Restrictive Covenant shall not prohibit a Participant from owning
      directly or indirectly capital stock or similar securities which are listed
      on a
      securities exchange or quoted on the National Association of Securities Dealers
      Automated Quotation system which do not represent more than one percent (1%)
      of
      the outstanding capital stock of any Financial Institution.

     

    If
      a
      Participant violates the Restrictive Covenant or the Company's Code of
      Professional Responsibility, all amounts in the Participant's Discretionary
      Company Contributions Account, Frozen Profit Sharing Account and Supplemental
      Matching, Profit Sharing, and Pension Contributions Accounts shall be forfeited;
      except that this Section 4.4 shall become ineffective upon a Change in Control
      of the Company.

     

    4.5.  Full
      Vesting Provisions.  Notwithstanding the foregoing, a Participant
      shall be fully vested in his or her entire Account upon:  (i) the date
      of the Participant's Employment Termination on account of death or Disability;
      (ii) the Participant's Retirement Date; or (iii) a Change in Control of the
      Company.  Each Participant in the Mid Am, Inc. Non-Qualified
      Retirement Plan (the "Mid Am Plan") on October 2, 1998, the effective date
      of
      the merger of Mid Am, Inc. into Citizens Bancshares, Inc., acquired a 100%
      nonforfeitable interest in his or her Accounts under the Mid Am Plan as of
      that
      date.  The Supplemental Profit Sharing and 

     

    
      
        
        

      

      
        -11-

        
          

        

      

      
        
        

      

    

     

    Supplemental
      Pension Contributions made under the Mid Am Plan, and under this Plan, on and
      after October 2, 1998, shall be subject to the vesting schedules contained
      in
      this Article, based on all of the Participant's Years of Service before and
      after that date

     

    4.6.  Forfeiture.  A
      Participant whose Employment Termination occurs prior to the full vesting of
      his
      or her Account will forfeit the portion of his or her Account that is not
      vested.

     

    ARTICLE
      V

     

    INVESTMENT
      OF CONTRIBUTIONS

     

    5.1.  Investment
      of Participants' Accounts.  All Participant and Company
      contributions shall be contributed by the Company to, and held and invested
      in
      the Investment Funds maintained under the Trust.  A Participant's
      Supplemental Pension Contributions and Frozen Profit Sharing Accounts will
      be
      deemed to be invested in the Company Stock Fund.  The Participant will
      be consulted with respect to the investment of his or her Supplemental Profit
      Sharing Contributions, Frozen Profit Sharing, Compensation Deferral and
      Supplemental Matching Contributions Accounts.  A Participant's
      Discretionary Contributions Account shall be deemed to be invested in a manner
      selected by the Committee in its sole discretion.  However, the
      Committee reserves the right to invest all Participants' Accounts as it deems
      best.  Each Participant's Account shall be credited or debited with
      that Participant's proportionate share of any gains or losses resulting from
      the
      Investment Funds.

     

    Any
      amount
      in a Participant's Account that is forfeited according to Article IV shall
      be
      applied toward administrative expenses incurred in connection with the Plan
      or
      used to reduce future Company contributions in the sole discretion of the
      Committee.  The Company shall provide each Participant with a written
      statement of his Accounts at least semi-annually.

     

    5.2.  Adjustment
      For Investment Earnings.  The amounts credited to a Participant's
      Account shall be adjusted from time to time in accordance with uniform
      procedures established by the Committee to reflect the value of an investment
      equal to the Participant's Account balance in the Investment
      Funds.  The Investment Funds available may be revised from time to
      time by the Committee with approval of the Trustee of the Trust described in
      Section 9.2.  The Committee, with the approval of the Trustee, may
      eliminate any Investment Funds available at any time; provided, however, that
      the Committee may not retroactively eliminate any Investment Fund.

     

    A
      Participant shall designate the applicable Investment Fund to be used with
      respect to his or her Supplemental Profit Sharing Contributions, Compensation
      Deferral and Supplemental Matching Contributions Accounts in increments of
      at
      least 10%, pursuant to a written investment election form delivered to the
      Committee on the date he or she commences participation in the Plan. The
      Participant may change his or her Investment Fund designation with respect
      to
      future contributions credited to his or her Supplemental Profit Sharing
      Contributions, Compensation Deferral and Supplemental Matching Contributions
      Accounts, and/or with respect to amounts previously credited to such Accounts,
      by notifying the Committee or its designee.  A revised investment
      direction may be made by a Participant in writing on a quarterly basis and
      shall
      be effective as of the beginning of the calendar quarter immediately following
      such written 

     

    
      
        
        

      

      
        -12-

        
          

        

      

      
        
        

      

    

     

    submission;
      provided, however, that the Committee or its designee shall have the discretion
      to delay the effective date of any revised investment direction to the beginning
      of the second calendar quarter following receipt of such direction if the
      Committee or its designee receives such direction fewer than 15 days prior
      to
      the beginning of a calendar quarter.

     

    5.3.  Investment
      of Prior Deferrals.  Prior to the effective date of this Plan,
      certain officers entered into Letters of Agreement Deferring Officer's
      Compensation (the "Agreements").  Under the Agreements, amounts in a
      Deferred Officer's Compensation Account (as defined in the Agreements) could
      be
      invested in a life insurance contract to be owned by the Company. A Participant
      who previously had directed that all or any portion of his Deferred Officer's
      Compensation Account be invested in life insurance contracts may continue to
      direct that all or any portion of his or her Deferral Contribution be invested
      in an existing life insurance contract held under the Trust.

     

    ARTICLE
      VI

     

    DISTRIBUTIONS

     

    6.1.  Distribution
      of Participants' Accounts.  A Participant's Accounts will be
      distributed to him or her in accordance with the provisions of this Article
      VI.  A Participant's Accounts, except for the Participant's Stock
      Option Deferral Account, will be distributed to him or her in cash, unless
      otherwise provided by the Committee in its sole discretion.

     

    6.2.  Form
      of
      Distribution.  Each Participant shall elect the manner of
      payment of his or her Account, generally at the time of any Deferral
      Agreement.  A Participant may change the manner in which his or her
      Account will be distributed at any time prior to the Participant's Employment
      Termination; provided, however, that no distribution may be made or commence
      until at least 12 months following the date of any election or
      modification.  A Participant may also make a one-time election on or
      after his or her Employment Termination to change the manner in which his or
      her
      Account will be distributed in accordance with the procedures established by
      the
      Committee.  A Participant may elect to have his or her Account
      distributed in a lump sum or in substantially equal annual (or more frequent,
      as
      permitted by the Committee) installment payments over a period not to exceed
      fifteen (15) years.  If a Participant does not make a valid
      distribution election, then the manner of payment and date for commencement
      of
      payment of the Participant's Account shall be selected by the Committee in
      its
      sole discretion.  Notwithstanding the foregoing, with respect to a
      distribution of a Participant's Account prior to the date of his or her
      Employment termination, the Participant may elect to receive a distribution
      from
      his or her Account only in the form set forth in clause (ii) and subsection
      (c)
      of Section 6.3 hereof.

     

    Notwithstanding
      the foregoing, if the value of the Participants' Accounts is less than $5,000
      at
      any time after the Participant's Employment Termination, such Accounts shall
      be
      distributed to the Participant in a single lump sum distribution, as soon as
      practicable.  If the Participant fails to elect a form or period of
      distribution, the Participant's Accounts will be paid in a manner selected
      by
      the Committee or its designee.  The Participant also may elect, at the
      time of his or her election of Compensation Deferral Contributions, to have
      distributions commence as soon as practicable after his or her
      Disability.

     

    
      
        
        

      

      
        -13-

        
          

        

      

      
        
        

      

    

     

    Notwithstanding
      the foregoing, a Participant's Discretionary Company Contributions Account
      shall
      be paid in a manner selected by the Committee in its sole
      discretion

     

    6.3.  Timing
      of Distribution.  The balance of a Participant's Accounts shall be
      distributed to or with respect to the Participant only:  (i) upon any
      date following Employment Termination, as elected by the Participant at least
      12-months prior to such date following Employment Termination, (ii) upon any
      date before Employment Termination, as elected by the Participant, at least
      12-months prior to such date, in accordance with subparagraph (c)
      below,  (iii) because of hardship in accordance with Section 6.5, or
      (iv) to the extent a Participant's Account balance becomes subject to immediate
      income taxation.

     

    (a)           Notwithstanding
      the Participant's election, distribution of a Participant's Accounts will begin
      as soon as practicable after the 10-year anniversary of the Participant's
      Employment Termination; except that distributions to a Participant will not
      begin sooner than 12-months following his or her election as to the form and
      timing of such distributions.

     

    (b)           Notwithstanding
      anything in this Section to the contrary, the balance of a Participant's Stock
      Option Deferral Account may not be distributed to or with respect to the
      Participant until a date that is at least 12 months from the date of exercise
      of
      the applicable Option.

     

    (c)           A
      Participant may elect, generally at the time of any Deferral Agreement, to
      receive a lump sum distribution of all or a portion of his or her Accounts,
      as
      of any date; provided that each Participant may specify and have outstanding
      at
      any time no more than five different future dates for such distributions (as
      each specified date passes and the distribution is made, an additional specified
      future date distribution election could be made).  An election made in
      accordance with this subsection (c) will apply only to distributions of the
      Participant's Account made prior to the date of the Participant's Employment
      Termination.

     

    (d)           Notwithstanding
      the Participant's election, distribution of a Participant's Accounts will begin
      as soon as practicable after the Participant's death.

     

    (e)           Notwithstanding
      the foregoing, the date for commencement of payment of a Participant's
      Discretionary Company Contributions Account shall be determined by the Committee
      in its sole discretion.

     

    6.4.  Distribution
      of Insurance Contracts.  Notwithstanding anything in this Article
      to the contrary, for any Participant who, pursuant to the Agreements, previously
      directed that all or a portion of his Deferred Officers Compensation Account
      (as
      defined in the Agreements) be invested in a life insurance contract in
      accordance with Section 5.3, the life insurance contract will be distributed
      to
      him or her according to the terms of the contract.

     

    6.5.  Distributions
      Upon Death.  If a Participant dies before full distribution of his
      or her Account, any remaining amounts shall be distributed as soon as
      practicable after the Participant's death, to the beneficiary, and in the
      method, designated by the Participant in a writing delivered most recently
      to
      the Committee prior to death. If a Participant has not 

     

    
      
        
        

      

      
        -14-

        
          

        

      

      
        
        

      

    

     

    designated
      a beneficiary, or method of distribution, or if no designated beneficiary is
      living on the date of distribution, such amounts shall be distributed to those
      persons entitled to receive distributions of the Participant's accounts under
      the Qualified Savings Plan and in the same method as distribution is made under
      the Qualified Savings Plan. If the Participant has no account under the
      Qualified Savings Plan, such amounts shall be distributed to those persons
      entitled to receive distributions of the Participant's accounts under the
      Qualified Pension Plan and in the same method as distribution is made under
      the
      Qualified Pension Plan. If the Participant has no accounts under the Qualified
      Plans, distribution of the Participant's Account shall be made to the
      Participant's estate.

     

    6.6.  Hardship
      Distributions.  In the discretion of the Committee, and at the
      written request of a Participant, an amount up to 100 percent of his or her
      vested Account may be distributed to a Participant in the case of an
      "unforeseeable emergency," subject to the limitations set forth below. For
      purposes of this Section 6.5, an "unforeseeable emergency" is a severe financial
      hardship to the Participant resulting from a sudden and unexpected illness
      or
      accident of the Participant or of a dependent (as defined in Code Section
      152(a)) of the Participant, loss of the Participant's property due to casualty,
      or other similar extraordinary and unforeseeable circumstances arising as a
      result of events beyond the control of the Participant. The circumstances that
      will constitute an unforeseeable emergency will depend upon the facts of each
      case, but, in any case, payment may not be made to the extent that such hardship
      is or may be relieved:

     

    (a)  through
      reimbursement or compensation by insurance or otherwise;

     

    (b)  by
      liquidation of the Participant's assets, to the extent the liquidation of such
      assets would not itself cause severe financial hardship; or

     

    (c)  by
      cessation of Deferral Contributions under the Plan.

     

    Only
      one
      hardship distribution shall be permitted during a Plan Year. A Participant's
      request for a hardship distribution must be accompanied or supplemented by
      such
      evidence that the hardship is necessary as the Committee or its designee may
      reasonably require. Withdrawals of amounts because of an unforeseeable emergency
      shall be permitted only to the extent reasonably needed to satisfy the
      unforeseeable emergency need.

     

    Any
      Participant who receives a hardship distribution shall cease Deferral
      Contributions for a period of one year following the date of such hardship
      distribution.  Reentry into the Plan will be according to the Deferral
      Agreement procedures described in Section 2.3.

     

    6.7.  Tax-Savings
      Clause.  Notwithstanding anything to the contrary contained
      herein, if (i) the Internal Revenue Service (IRS) prevails in its claim that
      all
      or a portion of the amounts contributed to the Plan, and/or earnings thereon,
      constitute taxable income to a Participant or beneficiary for any taxable year
      that is prior to the taxable year in which such contributions and/or earnings
      are actually distributed to such Participant or beneficiary, (ii) the U.S.
      Department of Labor (DOL) prevails in its claim that the Trust prevents the
      Plan
      from meeting the "unfunded" criterion of the exceptions to various requirements
      of Title I of the Employee Retirement Income Security Act of 1974 (ERISA) for
      plans that are unfunded and maintained 

     

    
      
        
        

      

      
        -15-

        
          

        

      

      
        
        

      

    

     

    primarily
      for the purpose of providing deferred compensation for a select group of
      management or highly compensated employees, or (iii)  legal counsel
      selected by the Committee advises the Committee that the IRS or DOL would likely
      prevail in such claim, the applicable Account balance shall be immediately
      distributed to the Participant or beneficiary.  For purposes of this
      Section, the IRS or DOL shall be deemed to have prevailed in a claim if such
      claim is upheld by a court of final jurisdiction, or if the Committee, based
      upon the advice of legal counsel selected by the Committee, fails to appeal
      a
      decision of the IRS or DOL, or a court of applicable jurisdiction, with respect
      to such claim, to an appropriate IRS or DOL appeals authority or to a court
      of
      higher jurisdiction within the appropriate time period.

     

    6.8.     
      Purchase of Life Insurance.  The Committee, in its sole
      discretion, may enter into a written agreement with a Participant (the "Exchange
      Agreement") pursuant to which the Participant agrees to forego all or a portion
      of the annual or current year Company contributions to his or her Supplemental
      Matching Contributions, Supplemental Profit Sharing Contributions, and
      Supplemental Pension Contributions Accounts in exchange for the Company's
      payment of an equivalent amount in premium for a life insurance policy on the
      Participant's behalf, under the following conditions:

     

    (a)           only
      a Participant who is fully vested in his or her Supplemental Matching
      Contributions, Supplemental Profit Sharing Contributions, and Supplemental
      Pension Contributions Accounts may enter into an Exchange Agreement with the
      Committee;

     

    (b)           the
      Exchange Agreement may provide for payments only from the Company's general
      assets;

     

    (c)           the
      Company will make any payments directly to the insurance company providing
      the
      life insurance policy on behalf of the Participant, or directly to the
      irrevocable life insurance trust ("ILIT") established by the Participant to
      hold
      such policy;

     

    (d)           the
      Exchange Agreement may provide that if the Participant's employment is
      terminated before all premium payments have been made on the life insurance
      policy, the Participant agrees to forfeit all or a portion of his or her
      Supplemental Matching Contributions, Supplemental Profit Sharing Contributions,
      and Supplemental Pension Contributions Accounts equal to the present value
      amount necessary to make the remaining required contributions to such life
      insurance policy, and the Company may direct the Trustee to pay such present
      value amount from the Participant's Accounts, in one or more payments; to the
      insurance company or ILIT; and

     

    (e)           the
      Participant's and the Committee will attempt to structure the Exchange Agreement
      so as to avoid constructive or actual receipt of any income or funds by the
      Participant.

     

    The
      life insurance policy on the
      Participant's behalf must be maintained pursuant to a split dollar arrangement
      between the Participant and the Company, which agreement must provide for the
      ultimate return to the Company of any premium amounts the Company paid on the
      Participant's behalf.  To reflect the fact that the Company will
      ultimately receive back all premium amounts the Company paid on the
      Participant's behalf, the Committee shall determine, 

     

    
      
        
        

      

      
        -16-

        
          

        

      

      
        
        

      

    

     

    in
      its
      sole discretion, or the Committee and the Participant shall agree, whether
      to:
      (i) reduce the amount of the annual or current year contributions the Company
      makes to the Participant's Supplemental Matching Contributions, Supplemental
      Profit Sharing Contributions, and/or Supplemental Pension Contributions Accounts
      on less than a dollar-for-dollar basis by the amount that the Participant agrees
      to forego in exchange for the Company's life insurance policy premium payment,
      or (ii) increase the amount the Plan pays to the Participant (or the
      Participant's beneficiary) following the Company's recovery of all premium
      amounts it paid on the Participant's behalf.

     

    ARTICLE
      VII

     

    ADMINISTRATION
      OF THE PLAN

     

    7.1.  Administration
      by the Committee. The Committee shall be responsible for the general
      operation and administration of the Plan and for carrying out the provisions
      thereof.

     

    7.2.  Power
      and Duties of Committee. The Committee shall administer the Plan in
      accordance with its terms and shall have all powers necessary to carry out
      the
      provisions of the Plan. The Committee shall interpret the Plan and shall
      determine all questions arising in the administration, interpretation, and
      application of the Plan, including but not limited to, questions of eligibility
      and the status and rights of employees, Participants and other
      persons.  Any such determination by the Committee shall presumptively
      be conclusive and binding on all persons. The regularly kept records of the
      Company shall be conclusive and binding upon all persons with respect to a
      Participant's date and length of service, amount of Compensation and the manner
      of payment thereof, type and length of any absence from work and all other
      matters contained therein relating to Participants.  All rules and
      determinations of the Committee shall be uniformly and consistently applied
      to
      all persons in similar circumstances.  To the extent not inconsistent
      with this Plan, all provisions set forth in the Qualified Plans with respect
      to
      the administrative powers and duties of the Committee, expenses of
      administration, and procedures for filing claims, also shall be applicable
      with
      respect to this Plan.

     

    ARTICLE
      VIII

     

    AMENDMENT
      OR TERMINATION

     

    8.1.  Amendment
      or Termination.  The Company intends the Plan to be permanent but
      reserves the right to amend or terminate the Plan at any time. Any such
      amendment or termination shall be made pursuant to a resolution of the Board
      and
      shall be effective as of the date of such resolution.

     

    8.2.  Effect
      of Amendment or Termination. No amendment or termination of the Plan shall
      directly or indirectly reduce the balance of any Account held hereunder as
      of
      the effective date of such amendment or termination. Upon termination of the
      Plan, distribution of amounts in a Participant's Account shall be made to the
      Participant or his or her beneficiary in the manner and at the time described
      in
      Article VI of the Plan. No additional contributions shall be made to the Account
      of a Participant after termination of the Plan, but the Company shall continue
      to 

     

    
      
        
        

      

      
        -17-

        
          

        

      

      
        
        

      

    

     

    credit
      gains and losses to Participants' Accounts pursuant to Article V, until the
      balance of such Accounts have been fully distributed to each Participant or
      beneficiary, as applicable.

     

    ARTICLE
      IX

     

    GENERAL
      PROVISIONS

     

    9.1.  Participant's
      Rights Unsecured.  Except as otherwise set forth in Section 9.2,
      the Plan at all times shall be entirely unfunded and no provision shall at
      any
      time be made with respect to segregating any assets of the Company or its
      Affiliates for payment of any distributions hereunder. The right of a
      Participant or beneficiary to receive a distribution hereunder shall be an
      unsecured claim against the general assets of the Company or its Affiliates,
      and
      neither the Participant nor any beneficiary shall have any rights in or against
      any specific assets of the Company or its Affiliates. All amounts credited
      to
      the Participants' Accounts shall constitute general assets of the Employer
      for
      whose participants the amounts were contributed, and may be disposed of by
      the
      Company or the Employer at such time and for such purposes as it may deem
      appropriate.

     

    9.2.  Trust
      Agreement.  All rights under this Plan shall at all times be
      entirely unfunded, and no provision shall at any time be made with respect
      to
      segregating any assets of the Company or any Employer for payment of any amounts
      due hereunder.  No Participant or beneficiary under the Plan shall
      have any interest in or rights against any specific assets of the Company or
      any
      Employer, and all Participants and beneficiaries shall have only the rights
      of
      general unsecured creditors of the Company and the applicable
      Employer.  Notwithstanding the preceding provisions of this Section,
      the Company, in its discretion shall have the right, at any time and from time
      to time, to cause amounts payable to any Participant or beneficiary hereunder
      to
      be paid to the trustee of a Trust established by the Company for the benefit
      of
      Participants or their beneficiaries.  Such Trust shall contain terms
      and conditions to ensure that the Trust assets and earnings will be subject
      to
      creditors of the Employer for whose Participants the assets were contributed,
      but will otherwise be available only to pay benefits to Participants and
      beneficiaries pursuant to the terms of the Plan, and will contain such other
      provisions as are necessary to assure that transfers to the Trust, and earnings
      on Trust assets, will not constitute taxable income to any Participant or
      beneficiary pursuant to applicable provisions of the Code.

     

    9.3.  General
      Conditions.  Except as otherwise expressly provided herein, all
      terms and conditions of the Qualified Plans applicable to a Qualified Plan
      Compensation Deferral, Qualified Plan Matching, Qualified Plan Pension, or
      Qualified Plan Profit Sharing Contribution will also be applicable to an
      Eligible Employee's Deferral, Supplemental Matching, Supplemental Pension,
      or a
      Supplemental Profit Sharing Contribution, to be made hereunder.  Any
      Qualified Plan Compensation Deferral, Qualified Plan Matching, Qualified Plan
      Pension, or Qualified Plan Profit Sharing Contribution, or any other
      contributions to be made under the Qualified Plans, shall be made solely in
      accordance with the terms and conditions of the Qualified Plans, and nothing
      in
      the Plan shall operate or be construed in any way to modify, amend or affect
      the
      terms and provisions of the Qualified Plans.

     

    
      
        
        

      

      
        -18-

        
          

        

      

      
        
        

      

    

     

    9.4.  No
      Guaranty of Benefits.  Nothing contained in the Plan shall
      constitute a guaranty by the Company or any Affiliate or any other person or
      entity that the assets of the Company or any Affiliate will be sufficient to
      pay
      any benefit hereunder.

     

    9.5.  No
      Enlargement of Employee Rights.  No Participant shall have any
      right to receive a distribution of contributions made under the Plan except
      in
      accordance with the terms of the Plan.  Establishment of the Plan
      shall not be construed to give any Participant the right to be retained in
      the
      service of the Company or any Affiliated Company.

     

    9.6.  Spendthrift
      Provision.  No interest of any person or entity in, or right to
      receive a distribution under, the Plan shall be subject in any manner to sale,
      transfer, assignment, pledge, attachment, garnishment, or other alienation
      or
      encumbrance of any kind; nor may such interest or right to receive a
      distribution be taken, either voluntarily or involuntarily for the satisfaction
      of the debts of, or other obligations or claims against, such person or entity,
      including claims for alimony, support, separate maintenance and claims in
      bankruptcy proceedings.

     

    9.7.  Applicable
      Law.  To the extent the laws of the United States do not apply,
      the Plan shall be construed and administered under the laws of the State of
      Ohio, other than its laws respecting choice of law.

     

    9.8.  Incapacity
      of Recipient.  If any person entitled to a distribution under the
      Plan is deemed by the Company or its designee to be incapable of personally
      receiving and giving a valid receipt for such payment, then, unless and until
      claim therefor shall have been made by a duly appointed guardian or other legal
      representative of such person, the Company or its designee may provide for
      such
      payment or any part thereof to be made to any other person or institution then
      contributing toward or providing for the care and maintenance of such person.
      Any such payment shall be a payment for the account of such person and a
      complete discharge of any liability of the Company, its designee and the Plan
      therefor.

     

    9.9.  Corporate
      Successors.  The Plan shall not be automatically terminated by a
      transfer or sale of assets of the Company, or by the merger or consolidation
      of
      the Company into or with any other corporation or other entity, but the Plan
      shall be continued after such sale, merger or consolidation only if and to
      the
      extent that the transferee, purchaser or successor entity agrees to continue
      the
      Plan.  If the Plan is not continued by the transferee, purchaser or
      successor entity, then the Plan shall terminate subject to the provisions of
      Section 8.2.

     

    9.10.  Unclaimed
      Benefit.  In the event that all, or any portion, of the
      distribution payable to a Participant or beneficiary hereunder shall, at the
      expiration of five years after it shall become payable, remain unpaid solely
      by
      reason of the inability of the Company or its designee, after sending a
      registered letter, return receipt requested, to the last known address, and
      after further diligent effort, to ascertain the whereabouts of such Participant
      or beneficiary, the amount so distributable shall be treated as a forfeiture
      and
      shall be retained by the Company as part of its general assets.

     

    9.11.  Limitations
      on Liability.  Notwithstanding any of the preceding provisions of
      the Plan, neither the Company nor any individual acting as employee or agent
      of
      the Company shall 

     

    
      
        
        

      

      
        -19-

        
          

        

      

      
        
        

      

    

     

    be
      liable
      to any Participant, former Participant, beneficiary or other person for any
      claim, loss, liability or expense incurred in connection with the
      Plan.

     

    9.12.  Claims
      Procedure.  A claim for a Plan benefit shall be deemed filed when
      a written communication is made by a Participant or Beneficiary, or the
      authorized representative of either, which is reasonably calculated to bring
      the
      claim to the attention of the Committee. If a claim is wholly or partially
      denied, notice of such decision shall be furnished to the claimant in writing
      within 90 days after receipt of the claim by the Committee. Such notice shall
      set forth, in a manner calculated to be understood by the claimant: (i) the
      specific reason or reasons for the denial; (ii) specific reference to pertinent
      Plan provisions on which the denial is based; (iii) a description of any
      additional material or information necessary to perfect the claim and an
      explanation of why such material or information is necessary; and (iv) an
      explanation of the Plan's claims review procedure. If no such notice is
      furnished to the claimant within 90 days after receipt of a claim by the
      Committee, such claim shall be deemed wholly denied.

     

    Within
      90
      days from the receipt of the note of denial, a claimant may appeal such denial
      to the Committee for a full and fair review.  The review shall be
      instituted by the filing of a written request for review by the claimant or
      his
      or her authorized representative within the 90-day period stated above. A
      request for review shall be deemed filed as of the date of receipt of such
      written request by the Committee. The claimant or his or her authorized
      representative shall have the right to review all pertinent documents, may
      submit issues and comments in writing and may do such other appropriate things
      as the Committee may allow. The decision of the Committee shall be made not
      later than 60 days after the receipt of the request for review, unless special
      circumstances, such as the need to hold a hearing, require an extension of
      time,
      in which case, a decision shall be rendered not later than 120 days after the
      receipt of a request for review. Such decision shall be final and binding on
      the
      claimant.

     

    9.13.  Gender
      and Number.  Words in the masculine gender shall include the
      feminine and the singular shall include the plural, and vice versa, unless
      qualified by the context. Any headings used herein are included for reference
      only, and are not to be construed so as to alter the terms hereof.

     

    9.14.  Indemnification.  The
      Company and each Employer shall indemnify and hold harmless each member of
      the
      Committee, or any employee of the Company or an Employer, or any individual
      acting as an employee or agent of either of them (to the extent not indemnified
      or saved harmless under any liability insurance or any other indemnification
      arrangement) from any and all claims, losses, liabilities, costs and expenses
      (including attorneys' fees) arising out of any actual or alleged act or failure
      to act made in good faith pursuant to the provisions of the Plan or the Trust,
      including expenses reasonably incurred in the defense of any claim relating
      thereto with respect to the administration of the Plan or the Trust, except
      that
      no indemnification or defense shall be provided to any person with respect
      to
      any conduct that has been judicially determined, or agreed by the parties,
      to
      have constituted willful misconduct on the part of such person, or to have
      resulted in his or her receipt of personal profit or advantage to which he
      or
      she is not entitled.

     

    
      -20-

    

    

    
    

     

    SEVENTH
      AMENDMENT

     

    OFTHE

     

    SKY
      FINANCIAL GROUP, INC.
      NON-QUALIFIED RETIREMENT
      PLAN

     

    (As
      Amended and Restated Effective
      January 1, 1999) 

     

     

     

    WHEREAS,
      Sky Financial Group, Inc. (the
“Company”) maintains the Sky Financial Group, Inc. Non-Qualified Retirement Plan
      (the “Plan”) for a select group of its management and highly compensated
      employees; 

     

     

     

    WHEREAS,
      the Company has delegated
      authority to amend the Plan to the Sky Financial Group, Inc. Benefit Plans
      Committee (the “Committee”); 

     

     

     

    WHEREAS,
      Section 409A was recently added
      to the Internal Revenue Code of 1986, as amended (the “Code”) and that section
      will apply, in general, to amounts deferred under nonqualified deferred
      compensation plans such as the Plan after December 31, 2004; and 

     

     

     

    WHEREAS,
      the Plan has been amended from
      time to time and the Committee now considers it desirable to further amend
      the
      Plan to prevent any amounts from being deferred under the Plan after December
      31, 2004, and to preserve the grandfathered status of the amounts deferred
      and
      vested under the Plan on or before December 31, 2004, for purposes of Code
      Section 409A. 

     

     

     

    NOW,
      THEREFORE, pursuant
      to the power reserved to the Committee by Section 8.1 of the Plan, and by virtue
      of the authority delegated to the undersigned by resolution of the Committee,
      the Plan, as previously amended, be and is hereby amended further, in the
      following particulars, effective as of December 31, 2004: 

     

     

     

    1.      By
      adding the following sentence to
      end of the second introductory paragraph of the Plan: 

     

     

     

    “Effective
      December 31, 2004, the Plan is frozen.” 

     

    
    

     

    

    2.      By
      adding the following new Article
      X to appear immediately after Article IX of the Plan: 

     

     

     

    “ARTICLE
      X

     

     

     

    PLAN
      FROZEN

     

     

     

     

     

    The
      Company has
      frozen the Plan effective December 31, 2004. For Plan Years beginning on and
      after January 1, 2005, the Plan will operate on a frozen basis. Notwithstanding
      any provisions of the Plan to the contrary, the following provisions shall
      apply: 

     

     

     

    (a)
      No employees
      of the Company who were not Participants in the Plan prior to January 1, 2005,
      will be eligible to become Participants after that date. 

     

     

     

    (b)
      Effective on
      and after January 1, 2005, no further deferral or supplemental contributions
      will be credited to Participants’ Accounts. 

     

     

     

    (c)
      Code Section
      409A Grandfathered Status. Compensation deferred and vested (within the meaning
      of Code Section 409A) on or before December 31, 2004, is eligible for exemption
      from Code Section 409A by reason of the statutory grandfather clause set forth
      in section 885(d) of the American Jobs Creation Act of 2004, Pub. L. No.
      108-357, 118 Stat. 1418 (2004). The Company intends to preserve the
      grandfathered status of such amounts, including earnings thereon, under the
      Plan. No ‘material modifications,’ as that term is used for purposes of the Code
      Section 409A grandfather clause, shall be made to the Plan after October 3,
      2004, unless permitted by Internal Revenue Service Notice 2005-1 or subsequent
      guidance. 

     

     

     

    (d)
      Transferred
      Amounts. Any amount credited to a Participant’s Account that was not vested as
      of December 31, 2004 (‘Non-Vested Contributions’) shall be transferred to the
      Sky Financial Group, Inc. Non-Qualified Retirement Plan II (the ‘NQRP II’),
      effective January 1, 2005. Such transferred Non-Vested Contributions shall
      be
      considered a contribution to, and shall be payable under the terms of, the
      NQRP
      II. 

     

     

     

    (e)
      The Plan
      shall continue in effect on and after December 31, 2004, subject to the
      Company’s right to amend or terminate the Plan under Article VIII. To the extent
      not inconsistent with the provisions of this Article X, all provisions of the
      Plan shall continue to apply.” 

     

     

     

    *        *        *
      

     

     

     

    -
      2 - 

     

    
    

     

    

    IN
      WITNESS
      WHEREOF, the undersigned Committee member has executed
      this Plan amendment on behalf of the Committee, this 2nd day of December 2005.
      

     

     

     

    
      	
            	
            	
            
	
              SKY
                FINANCIAL GROUP, INC.
                BENEFIT PLANS

               

              COMMITTEE

               

            
	
            	
            
	
              By:

               

            	 	
              /s/
                Thomas
                A. Sciorilli

               

              

            
	 	 	
              A
                Member of the
                Committee

               

            

    

     

     

    -
      3 - 

     

    

    
    

     

    Eighth
      Amendment
of the
Sky Financial Group, Inc.
      Non-Qualified Retirement Plan
(As Amended and Restated Effective
      January 1, 1999) 

     

         WHEREAS
,
      Sky Financial
      Group, Inc. (the “Company”) maintains the Sky Financial Group, Inc.
      Non-Qualified Retirement Plan (the “Plan”) for a select group of its management
      and highly compensated employees; 

     

         WHEREAS,
      the Company has
      delegated authority to amend the Plan to the Sky Financial Group, Inc. Benefit
      Plans Committee (the “Committee”); 

     

         WHEREAS
,
      the Plan has
      been amended from time to time and was frozen effective December 31, 2004;
      and

     

         WHEREAS,
      the Committee now
      considers it desirable to further amend the Plan to allow Plan participants
      to
      be consulted with respect to the deemed investment of their Stock Option
      Deferral Account, Supplemental Pension Contributions Account and Frozen Profit
      Sharing Account. 

     

         NOW,
      THEREFORE, pursuant
      to the power reserved to the Committee by Section 8.1 of the Plan, and by virtue
      of the authority delegated to the undersigned by resolution of the Committee,
      the Plan, as previously amended, be and is hereby amended further, in the
      following particulars, effective as of May 16, 2007, except where otherwise
      noted: 

     

    
      1.
        By substituting the following for Section 5.1 of the
        Plan:

       

           
“5.1
Investment
        of Participants’
        Accounts. All Participant and Company contributions shall be contributed
        by the Company to, and held and invested in, the Investment Funds maintained
        under the Trust. The Participant shall have the right to direct the deemed
        investment of his or her Supplemental Profit Sharing Contributions Account,
        Frozen Profit Sharing Account, Compensation Deferral Account, Supplemental
        Matching Contributions Account, Supplemental Pension Contributions Account,
        and Stock Option Deferral Account. A Participant’s Discretionary Contributions
        Account shall be deemed to be invested in a manner selected by the Committee
        in its sole discretion. Each Participant’s Account shall be credited or
        debited with that Participant’s proportionate share of any gains or losses
        resulting from the Investment Funds.” 

       

    

    

    
    

     

         
2.
      By substituting the following sentence
      for the second sentence of the second paragraph of Section 5.2 of the Plan:
      

     

    
           
“The
        Participant may change the
        Investment Funds designations with respect to amounts credited to his or
        Supplemental Profit Sharing Contributions Account, Frozen Profit Sharing
        Account, Compensation Deferral Account, Supplemental Matching Contributions
        Account, Supplemental Pension Contributions Account, and Stock Option Deferral
        Account by notifying the Committee or its designee (or such other method
        as
        the Committee specifies).” 

       

    

         
3.
      By substituting the following sentence
      for the second sentence of Section 6.1 of the Plan: 

     

         
“A
      Participant’s Accounts will be
      distributed to him or her in cash, unless otherwise provided by the Committee
      in
      its sole discretion.” 

     

         
4.
      By substituting the following for the
      first sentence of Section 8.2 of the Plan, effective June 30, 2007:

     

         “No
      amendment or termination of the Plan
      shall:

     

              
(a)
      directly
      or indirectly reduce the balance of any Account held hereunder as of the
      effective date of such amendment or termination; 

     

              
(b)
      on or
      after the Effective Time (as defined in Article X), adversely affect a
      Participant’s right to modify his or her distribution elections under Article VI
      of the Plan, except as required by applicable law in order to prevent an excise
      tax on the Participant; 

     

              
(c)
      on or
      after the Effective Time, revoke or otherwise restrict a Participant’s right to
      change his or her investment elections under the Article V Plan, except as
      required by applicable law in order to prevent an excise tax on the Participant;
      or 

     

              
(d)
      provide
      for a distribution of a Participant’s Accounts in a time or form except as set
      forth in the Participant’s distribution election in effect as of the effective
      date of such amendment or termination.” 

     

    
    

     

    *
      * *

    
    

     

    2

    

    
    

     

         IN
      WITNESS WHEREOF, the
      undersigned Committee member has executed this Plan amendment on behalf of
      the
      Committee, this 24th day of May 2007. 

     

    
      	 	 	 	SKY
              FINANCIAL GROUP,INC.
BENEFIT PLANS
              COMMITTEE
	 	 	 	 
	 	By: 
              	 	/S/
              T.
              A. SCIORILLI  
	 	 	 	A
              Member of the
              Committee  

    

    3Exhibit
       4(d)

 
 
 SKY FINANCIAL GROUP, INC.
NON-QUALIFIED RETIREMENT PLAN II 
 (Effective January 1, 2005)

 TABLE OF CONTENTS 
  
  

							
	 	  	 	  	 	  	Page

	 ARTICLE I DEFINITIONS
	  	1
		
	 ARTICLE II CONTRIBUTIONS
	  	6
	 	  	2.1.	  	Director’s Deferral Contributions	  	6
	 	  	2.2.	  	Eligible Employee’s Compensation Deferral Contributions	  	7
	 	  	2.3.	  	Deferral Agreements	  	7
	 	  	2.4.	  	Supplemental Matching Contributions	  	7
	 	  	2.5.	  	Supplemental Profit Sharing Contributions	  	8
	 	  	2.6.	  	Supplemental ESOP Contributions	  	8
	 	  	2.7.	  	Discretionary Company Contributions	  	8
	 	  	2.8.	  	Amounts Transferred from the Sky Financial Group, Inc. Non-Qualified Retirement Plan	  	8
	 	  	2.9.	  	Transferred Contributions Accounts	  	9
	 	  	2.10.	  	Company Contributions for Mid-Year Entrants	  	9
		
	ARTICLE III DEFERRAL OF STOCK OPTION INCOME	  	9
	 	  	3.1.	  	Stock Option Deferral Elections	  	9
	 	  	3.2.	  	Crediting of Stock Units	  	9
	 	  	3.3.	  	“Stock Units” means units based upon the fair market value of the common stock of the Company and credited to a Stock Option Deferral Account pursuant to Section 3.1
above.	  	10
		
	ARTICLE IV VESTING OF PARTICIPANTS’ ACCOUNTS	  	10
	 	  	4.1.	  	Fully Vested Accounts	  	10
	 	  	4.2.	  	Supplemental Profit Sharing and ESOP Contributions Accounts	  	10
	 	  	4.3.	  	Discretionary Company Contributions Account	  	10
	 	  	4.4.	  	Forfeiture Due to Competition or Breach of Confidentiality	  	10
	 	  	4.5.	  	Full Vesting Provisions	  	11
	 	  	4.6.	  	Forfeiture	  	11
		
	ARTICLE V INVESTMENT OF CONTRIBUTIONS	  	11
	 	  	5.1.	  	Investment of Participants’ Accounts	  	11
	 	  	5.2.	  	Adjustment For Investment Earnings	  	11
		
	ARTICLE VI DISTRIBUTIONS	  	12
	 	  	6.1.	  	Distribution of Participants’ Accounts	  	12
	 	  	6.2.	  	Form of Distribution	  	12
	 	  	6.3.	  	Timing of Distribution	  	13
	 	  	6.4.	  	Distributions to Key Employees Upon Employment Termination	  	13
	 	  	6.5.	  	Distributions Upon Death	  	13
	 	  	6.6.	  	Distributions Due to an Unforeseeable Emergency	  	14
	 	  	6.7.	  	Tax Effect	  	14
		
	ARTICLE VII ADMINISTRATION OF THE PLAN	  	15

  

 i 

							
	 	  	7.1.	  	Administration by the Committee	  	15
	 	  	7.2.	  	Power and Duties of Committee	  	15
		
	ARTICLE VIII AMENDMENT OR TERMINATION	  	15
	 	  	8.1.	  	Amendment or Termination	  	15
	 	  	8.2.	  	Effect of Amendment or Termination	  	15
		
	ARTICLE IX GENERAL PROVISIONS	  	16
	 	  	9.1.	  	Participant’s Rights Unsecured	  	16
	 	  	9.2.	  	Trust Agreement	  	16
	 	  	9.3.	  	General Conditions	  	16
	 	  	9.4.	  	No Guaranty of Benefits	  	17
	 	  	9.5.	  	No Enlargement of Employee Rights	  	17
	 	  	9.6.	  	Tax Withholding	  	17
	 	  	9.7.	  	Spendthrift Provision	  	17
	 	  	9.8.	  	Assignment and Alienation of Benefits	  	17
	 	  	9.9.	  	Applicable Law	  	17
	 	  	9.10.	  	Incapacity of Recipient	  	17
	 	  	9.11.	  	Corporate Successors	  	17
	 	  	9.12.	  	Unclaimed Benefit	  	18
	 	  	9.13.	  	Limitations on Liability	  	18
	 	  	9.14.	  	Claims Procedure	  	18
	 	  	9.15.	  	Gender and Number	  	18
	 	  	9.16.	  	Indemnification	  	18

  

 ii 

 SKY FINANCIAL GROUP, INC.
NON-QUALIFIED RETIREMENT PLAN II 

(Effective January 1, 2005)

 

Effective January 1, 2005 (the “Effective
Date”), Sky Financial Group, Inc. (the “Company”) adopted the
Sky Financial Group, Inc. Non-Qualified Retirement Plan II (the “Plan”).
The Plan is intended to comply with Section 409A of the Internal Revenue
Code of 1986, as amended (the “Code”). Prior to the Effective Date,
the Company maintained the Sky Financial Group, Inc. Non-Qualified Retirement
Plan, as amended and restated effective January 1, 1999 (the “NQRP
I”). All amounts
deferred under the NQRP I prior to the Effective Date and not subject to Code
Section 409A remain subject to the terms of the NQRP I as in effect on December 31,
2004. All amounts deferred on or after the Effective Date or not deemed to be
grandfathered in accordance with Code Section 409A are subject to the terms
of the Plan in effect on January 1, 2005 and as may be amended from time
to time. On and after the Effective Date, the Plan covers all Directors and Eligible
Employees of the Company.

 

The Plan is designed to attract,
retain and motivate Directors and Eligible Employees and to ensure that the benefits provided to such individuals enhance the overall effectiveness of the Company’s executive compensation program. 

 

Accordingly, the Company hereby adopts the Plan pursuant to the terms and
provisions set forth below: 

 

ARTICLE I

 

DEFINITIONS

 
 Wherever used herein the following terms shall have the meanings hereinafter
set forth: 

 

1.1. “Account” means the account
maintained under the Plan in a Participant’s name to which all Plan contributions, and earnings and losses thereon, are credited. A Participant’s Account consists of the following subaccounts: 

 

(a) for Directors who are Participants, a Compensation
Deferral Account, a Discretionary Company Contributions Account, a Stock Option Deferral Account and a Transferred Contributions Account; and

 
(b) for Eligible Employees who are Participants, a Compensation Deferral Account, a Supplemental Matching Contributions Account, a
Supplemental Profit Sharing Contributions Account, a Supplemental Pension Contributions Account, a Discretionary Company Contributions Account, a Stock Option Deferral Account and a Transferred Contributions Account. 
  
 1.2. “Affiliated Company” means a business entity, or predecessor
of such entity, if any, that is a member of a controlled group of corporations of which the Company is also a member. The Eligible Employees and Directors of each Affiliated Company will be covered by the Plan upon approval by the Committee.

 1.3. “Board” means the Board of Directors of the Company. 
  

1.4. “Bonus” means the additional cash remuneration payable to a
Participant annually pursuant to the Sky Financial Group, Inc. Annual Cash Incentive Plan. “Additional Remuneration” means the Bonus and additional cash remuneration payable to a Participant annually pursuant to an Employer’s
performance compensation program or any other plan, program or arrangement under which an Employer pays an amount of cash remuneration to a Participant above such Participant’s Salary, prior to any Deferral Contributions under this Plan.

  
 1.5. “Change in Control” means, for purposes of
determining full vesting under Section 4.5 of the Plan, any one or more of the following events: 
  
(a) Individuals who constitute the Board immediately after the merger date (the “Incumbent Directors”) cease for any reason to
constitute at least a majority of the Board, provided that any person becoming a Director subsequent thereto whose election or nomination for election was approved by a vote of at least two-thirds of the Incumbent Directors then on the Board (either
by a specific vote or by approval of the proxy statement of the Company in which such person is named as a nominee for Director, without written objection to such nomination) shall be an Incumbent Director, provided, however, that no individual
initially elected or nominated as a Director of the Company as a result of an actual or threatened election contest with respect to Directors or as a result of any other actual or threatened solicitation of proxies or consents by or on behalf of any
person other than the Board shall be deemed to be an Incumbent Director; 
  
(b) Any “person” (as such term is defined in Section 3(a)(9) of the Securities Exchange Act of 1934 (the “1934 Act”) and as used in Sections 13(d)(3) and 14(d)(2) of the 1934 Act) is or
becomes a “beneficial owner” (as defined in Rule 13d-3 under the 1934 Act), directly or indirectly, of securities of the Company representing twenty-five percent (25%) or more of the combined voting power of the Company’s then
outstanding securities eligible to vote for the election of the Board (the “Company Voting Securities”); provided, however, that the event described in this Section 1.5(b) shall not be deemed to be a Change in Control by virtue of any
of the following acquisitions: (i) by the Company or any subsidiary, (ii) by any employee benefit plan (or related trust) sponsored or maintained by the Company or any subsidiary or (iii) by any underwriter temporarily holding
securities pursuant to an offering of such securities; 
  
(c) The consummation of a merger, consolidation, statutory share exchange or similar form of corporate transaction involving the Company or any of its subsidiaries that requires the approval of the Company’s stockholders, whether for
such transaction or the issuance of securities in the transaction (a “Business Combination”), unless immediately following such Business Combination: (i) more than sixty percent (60%) of the total voting power of (x) the
company resulting from such Business Combination (the “Surviving Company”), or (y) if applicable, the ultimate parent company that directly or indirectly has beneficial ownership of one hundred percent (100%) of the voting
securities eligible to elect directors of the Surviving Company (the “Parent Company”), is represented by Company Voting Securities that were outstanding immediately prior to such Business Combination (or, if applicable, is represented by
shares into which such 
  

 2 

 Company Voting Securities were converted pursuant to such Business Combination), and such voting power
among the holders thereof is in substantially the same proportion as the voting power of such Company voting Securities among the holders thereof immediately prior to the Business Combination; (ii) no person (other than any employee benefit
plan (or related trust) sponsored or maintained by the Surviving Company or the Parent Company), is or becomes the beneficial owner, directly or indirectly, of twenty-five percent (25%) or more of the total voting power of the outstanding
voting securities eligible to elect directors of the Parent Company (or, if there is no Parent Company, the Surviving Company); and (iii) at least fifty percent (50%) of the members of the board of directors of the Parent Company (of, if
there is no Parent Company, the Surviving Company) following the consummation of the Business Combination were Incumbent Directors at the time of the Board of Directors’ approval of the execution of the initial agreement providing for such
Business Combination; or 
  
(d) The stockholders
of the Company approve a plan of complete liquidation or dissolution of the Company or a sale of all or substantially all of the Company’s assets or deposits. 
  
 Notwithstanding the foregoing, a Change in Control of the Company shall not be deemed to occur solely because any person
acquires beneficial ownership of more than twenty-five percent (25%) of the Company Voting Securities as a result of the acquisition of Company Voting Securities by the Company which reduces the number of Company Voting Securities outstanding;
provided, however, that if after such acquisition by the Company such person becomes the beneficial owner of additional Company Voting Securities that increases the percentage of outstanding Company Voting Securities beneficially owned by such
person, a Change in Control of the Company shall then occur. 
  
 1.6. “Code” means the Internal Revenue Code of 1986, as amended from time to time, and any regulations relating thereto. 
  
 1.7. “Committee” means the Sky Financial Group, Inc. Benefit Plans Committee, which is responsible for the administration of the Plan.

  
 1.8. “Company” means Sky Financial Group, Inc., an
Ohio corporation, or, to the extent provided in Section 9.11 below, any successor corporation or other entity resulting from a merger or consolidation into or with the Company. 
  
 1.9. “Company Stock Fund” means the Investment Fund maintained under the Trust that is invested solely in shares
of the Company’s common stock. 
  
 1.10.
“Compensation” means a Participant’s Salary, Bonus, Director’s Fees or Director’s Retainer payable in any calendar year. Except as required by applicable law, Compensation deferrals elected under this Plan shall not affect
the determination of Compensation or earnings for purposes of any other plan, policy or program maintained by the Company or an Affiliated Company, unless such other plan, policy or program specifically provides otherwise. 
  
 1.11. “Compensation Deferral Account” means the account established
for a Participant under the Plan that is credited with Deferral Contributions under Sections 2.1 and 2.2 of the Plan. 
  

 3 

 1.12. “Deferral Agreement” means the written deferral agreement entered into by a Participant
with the Company pursuant to the terms of Section 2.3 of the Plan. 
  
 1.13. “Deferral Contribution” means the elective deferral contribution credited to a Participant’s Account under the Plan by the Company. 
  
 1.14. “Director” means an individual who is a member of the Board, a member of the board of directors of an
Affiliated Company, or a “Regional Board” member. 
  
 1.15. “Director’s Fees” means the Board meeting and Board committee meeting fees paid to a Director by the Employer. 
  
 1.16. “Director’s Retainer” means the annual retainer paid to a Director by the Employer. 
  
 1.17. “Disability” means a Participant is under the regular care of
a doctor and prevented by a medically determinable physical or mental impairment from performing each of the material duties of his or her regular occupation. Determinations of Disability are made by the Committee in its sole discretion. 

 
 1.18. “Discretionary Company Contribution” means a discretionary
company contribution made by the Company on behalf of one or more Participants under the terms of the Plan. 
  
 1.19. “Discretionary Company Contributions Account” means the account established for a Participant under the Plan that is credited with
Discretionary Company Contributions under Section 2.7 of the Plan. 
  
 1.20. “Eligible Employee” means each employee of an Employer who is: (i) classified as a senior vice-president or higher; (ii) a commissioned salesperson whom the Committee expects to earn at least $100,000 in
commissions per year; or (iii) designated by the Committee as an Eligible Employee; provided, however, that for purposes of determining eligibility to make deferral contributions under Section 2.2, the employee must also have received
notification of his or her designation as an Eligible Employee from the Company’s Benefits Department in order to be an Eligible Employee. 
  
 1.21. “Employer” means the Company and any Affiliated Company that is approved by the Committee. 
  
 1.22. “Employment Termination” means the date of (i) an
Eligible Employee’s termination of employment with the Employer, or (ii) a Director’s termination of service as a Director, and shall include such termination for any reason, unless expressly indicated otherwise. If an Eligible
Employee terminates employment with an Employer but continues in service as a Director, the Committee will not automatically consider the Participant to have incurred an Employment Termination. 
  
 1.23. “Investment Funds” means the various investment funds
established and maintained under the Trust. 
  

 4 

 1.24. “Key Employee” means a Participant who, at the time of his or her distribution, is a
“specified employee” as defined in Code Section 409A. Key Employees will be identified as of the 12-month period ending on each December 31 (the “Identification Date”), and will be considered Key Employees for the
12-month period beginning on April 1 of the year following the Identification Date and ending on the following March 31.  
  
 1.25. “Participant” means a Director or an Eligible Employee who is eligible for participation and who has completed all necessary election and
enrollment forms provided by the Committee. 
  
 1.26.
“Plan” means the Sky Financial Group, Inc. Non-Qualified Retirement Plan II, as set forth herein and as hereinafter amended from time to time. 
  
 1.27. “Plan Year” means the 12-month period beginning on January 1 and ending on the following December 31 of each year. 

 
 1.28. “Qualified Plan” means the Sky Financial Group, Inc.
Profit Sharing, 401(k) and ESOP Plan, as amended from time to time, and any successor or replacement plan. Except as otherwise provided in this Article I, all defined terms used in the Plan that are defined in the Qualified Plan shall have the same
meaning in the Plan as is set forth in the Qualified Plan. 
  
 1.29. “Qualified Plan Compensation Deferral Contribution” means the elective salary reduction contribution made by the Company for the benefit of a Participant under the terms of the Qualified Plan in any Plan Year. 
  
 1.30. “Qualified Plan ESOP Contribution” means the employer ESOP
contribution credited by the Company for the benefit of a Participant under the terms of the Qualified Plan. 
  
 1.31. “Qualified Plan Matching Contribution” means the matching contribution made by the Company for the benefit of a Participant under the
terms of the Qualified Plan. 
  
 1.32. “Qualified Plan Profit
Sharing Contribution” means the profit sharing contribution made by the Company for the benefit of a Participant under the terms of the Qualified Plan. 
  
 1.33. “Retirement Date” means the first day of the calendar month coincident with or next following the date on which the Participant attains
age sixty-five (65) years. 
  
 1.34. “Salary” means
a Participant’s annual base salary rate for the Plan Year, as specified by the Employer, prior to any Deferral Contributions under this Plan. 
  
 1.35. “Stock Option Plan” means each of the Mid Am, Inc. 1992 Stock Option Plan, the 1997 Mid Am, Inc. Stock Option Plan, and such other stock
option plans as may be adopted by the Company, each as amended from time to time. 
  

 5 

 1.36. “Stock Option Deferral Account” means the account established for a Participant under the
Plan that is credited with Stock Option Deferral Amounts under Section 3.1 of the Plan. 
  
 1.37. “Supplemental Matching Contribution” means the matching contribution credited by the Company for the benefit of a Participant under the terms of the Plan. 
  
 1.38. “Supplemental Matching Contributions Account” means the
account established for a Participant under the Plan that is credited with Supplemental Matching Contributions under Section 2.4 of the Plan. 
  
 1.39. “Supplemental ESOP Contribution” means the employer ESOP contribution credited by the Company for the benefit of a Participant under the
terms of the Plan in any Plan Year. 
  
 1.40. “Supplemental
ESOP Contributions Account” means the account established for a Participant under the Plan that is credited with Supplemental ESOP Contributions under Section 2.6 of the Plan. 
  
 1.41. “Supplemental Profit Sharing Contribution” means the profit sharing contribution credited by the Company for
the benefit of a Participant under the terms of the Plan in any Plan Year. 
  
 1.42. “Supplemental Profit Sharing Contributions Account” means the account established for a Participant under the Plan that is credited with Supplemental Profit Sharing Contributions under Section 2.5
of the Plan. 
  
 1.43. “Transferred Contributions
Account” means the account established for a Participant under the Plan that is credited with Transferred Contributions under Section 2.9 of the Plan. 
  

1.44. “Trust” means a trust agreement entered into by the Company under which the Company accumulates assets to assist the Employers in
fulfilling their obligations to Participants hereunder. 
  
 1.45.
“Year of Service” means each 12-consecutive month period of an Eligible Employee’s continuous employment, or a Director’s continuous service, with an Employer. 
  
 ARTICLE II 
  
CONTRIBUTIONS 
  
 2.1. Director’s Deferral Contributions. A Participant who is a Director may elect to defer a whole percentage (up to 100 percent) of the
Director’s Fees otherwise payable to him or her by the Employer for a Plan Year. A Participant who is a Director also may elect to defer a whole percentage (up to 100 percent) of the Director’s Retainer otherwise payable to him or her by
the Employer for a Plan Year. The amount deferred pursuant to this Section shall be a Director’s Deferral Contribution credited to the Director’s Compensation Deferral Account. 
  

 6 

 2.2. Eligible Employee’s Compensation Deferral Contributions. A Participant who is an
Eligible Employee may elect to defer a whole percentage (up to 100 percent) of the Additional Remuneration otherwise payable to him or her by the Employer for a Plan Year. A Participant who is an Eligible Employee also may elect to defer a whole
percentage (up to 50 percent) of the Salary otherwise payable to him or her by the Employer for a Plan Year. The amount deferred pursuant to this Section shall be credited to the Participant’s Compensation Deferral Account. 
  
 2.3. Deferral Agreements. As a condition to the Company’s
obligation to credit any Deferral Contribution for the benefit of a Participant pursuant to Sections 2.1 or 2.2, the Participant must execute a Compensation Deferral Agreement. A Participant’s Compensation Deferral Agreement for any Plan Year
must be in writing, signed by the Participant, and delivered to the Committee prior to January 1 of that Plan Year; except that, in the year in which an Eligible Employee or Director first becomes eligible to participate in the Plan
(e.g., due to hire or promotion), such Eligible Employee or Director may execute a Compensation Deferral Agreement, no later than 30 days after such initial eligibility, to defer Compensation for services to be performed after the election.

  
 Notwithstanding the foregoing, with respect to elections to
defer “Performance-Based Compensation” earned in 2005 and otherwise payable to a Participant in 2006, a Participant is permitted to make such an election no later than June 30, 2005. In accordance with Prop. Reg.
Section 1.409A-1(e) or any successor provisions thereto, “Performance-Based Compensation” means Additional Remuneration payable to a Participant, to the extent such Additional Remuneration is contingent on Employer or individual
performance criteria not substantially certain to be met at the time the deferral election is made. Additional Remuneration is not considered “Performance-Based Compensation” unless based on services performed over a period of at least 12
months. 
  
 Notwithstanding any other provision of the Plan to the
contrary, with respect to a Participant’s Compensation Deferral Agreement in effect for the 2005 Plan Year, the Committee may, in its discretion, permit a Participant to revoke such Compensation Deferral Agreement if the revocation is made by
the Participant in writing and provided to the Committee no later than December 31, 2005. 
  
 Neither Eligible Employees nor Directors are required to elect Deferral Contributions in any Plan Year. However, the minimum amount of Deferral Contribution for any Plan Year for which a Deferral Agreement is executed
is $1,000. 
  
 2.4. Supplemental Matching Contributions.
Each Plan Year, the Company will credit a Supplemental Matching Contribution to the Plan on behalf of each Participant in an amount equal to the difference between (a) and (b) below: 
  
 (a) the Qualified Plan Matching Contribution that would have
been made on behalf of the Participant for the Plan Year in which an amount is deferred by the Participant pursuant to Section 2.2, based on the Participant’s Compensation prior to any Deferral Contributions under this Plan, and without
giving effect to any reductions required by the limitations imposed by the Code on the Qualified Plan; and 
  

 7 

 (b) the amount of the Qualified Plan Matching Contribution actually made on behalf of the
Participant for the Plan Year. 
  
 All Supplemental Matching
Contributions shall be credited to the Supplemental Matching Contributions Account maintained for the Participant. 
  
 2.5. Supplemental Profit Sharing Contributions. Each Plan Year, the Company will credit a Supplemental Profit Sharing Contribution to the Plan on
behalf of each Participant in an amount equal to the difference between (a) and (b) below: 
  
(a) The Qualified Plan Profit Sharing Contribution that would have been made on behalf of the Participant for the Plan Year, based on the
Participant’s Compensation prior to any Deferral Contributions under this Plan, and without giving effect to any reductions required by the limitations imposed by the Code on the Qualified Plan; and 
  
 (b) The amount of the Qualified Plan Profit Sharing
Contribution actually made on behalf of the Participant for the Plan Year. 
  
 All Supplemental Profit Sharing Contributions shall be credited to the Supplemental Profit Sharing Contributions Account maintained for the Participant. 
  
 2.6. Supplemental ESOP Contributions. Each Plan Year, the Company will credit a Supplemental ESOP Contribution to the
Plan on behalf of each Participant in an amount equal to the difference between (a) and (b) below: 
  
(a) The Qualified Plan ESOP Contribution that would have been made on behalf of the Participant for the Plan Year, based on the
Participant’s Compensation prior to any Deferral Contributions under this Plan, and without giving effect to any reductions required by the limitations imposed by the Code on the Qualified Plan; and 
  
 (b) The amount of the Qualified Plan ESOP Contribution
actually made on behalf of the Participant for the Plan Year. 
  
 All Supplemental ESOP Contributions shall be credited to the Supplemental ESOP Contributions Account maintained for the Participant. 
  
 2.7. Discretionary Company Contributions. The Company may in its sole discretion contribute to the Account of a Participant an amount that it may
from time to time deem advisable. Such discretionary contributions shall be credited to the Discretionary Company Contributions Account maintained for the Participant. 
  
 2.8. Amounts Transferred from the Sky Financial Group, Inc. Non-Qualified Retirement Plan. A Participant’s
Supplemental Profit Sharing Contributions Account and Supplemental ESOP Contributions Account shall be credited as of the Effective Date with such amount, if any, as is deemed to be transferred from such Participant’s account under the Sky
Financial Group, Inc. Non-Qualified Retirement Plan (the “NQRP I Transferred Balance”). The amounts credited, if any, will be the unvested portion of the Participant’s account under the 
  

 8 

 NQRP I as of December 31, 2004. A Participant shall vest in his or her NQRP I Transferred Balance in accordance with
the vesting schedule under Section 4.2 of the Plan. 
  
 2.9.
Transferred Contributions Accounts. The Committee may, in its sole discretion, accept transfers on behalf of Participants from any non-qualified plan or arrangement in which such Participants participated. The Committee shall not accept such
transfer to the extent that any amount is subject to current income taxation. Transferred amounts shall be credited to the Transferred Contributions Account maintained for the Participant. 
  
 2.10. Company Contributions for Mid-Year Entrants. For purposes of
determining the Company contributions provided for under Sections 2.4, 2.5 and 2.6 above, the “Compensation” of an Eligible Employee or Director for the Plan Year in which he or she first becomes eligible to participate in the Plan
(e.g., due to hire, promotion or designation by the Committee), shall only include the Salary, Bonus, Director’s Fees or Director’s Retainer payable to such person on and after the first day that he or she first became an Eligible
Employee or Director in that Plan Year. 
  
 ARTICLE III

  
DEFERRAL OF STOCK OPTION INCOME

  
 3.1. Stock Option Deferral Elections. To the extent
permitted under the terms of the Stock Option Plan, a Participant who has been granted a non-qualified stock option (an “Option”) under the Stock Option Plan may elect to defer any income or gain that would otherwise be recognized upon the
exercise of the Option if, and only to the extent that, such Option, or portion thereof, is vested and exercisable on or before December 31, 2004. If a Participant elects such a deferral, the Company will credit the Stock Option Deferral
Account of such Participant with the number of Stock Units (as defined below) determined under Section 3.2 below. The Plan does not permit the deferral of any income or gain that would otherwise be recognized upon the exercise of an Option if
such Option, or portion thereof, was not vested and exercisable on or before December 31, 2004. 
  
 3.2. Crediting of Stock Units. The number of Stock Units to be credited to a Participant’s Stock Option Deferral Account shall be equal to the
fair market value, on the date of exercise of the applicable Option, of the excess of: (i) the number of shares of common stock of the Company to be purchased pursuant to the exercise of such Option, over (ii) a number of shares of such
common stock with a fair market value equal to the option price of such Option. Each such Stock Unit, as of any given date, shall have a value equal to the fair market value of a share of common stock of the Company on such date. For purposes of
this Section, fair market value of common stock of the Company shall be defined as the closing price of such common stock on the National Market System’s NASDAQ Quotation Service on the trading day immediately preceding the date as of which
fair market value is determined. 
  
 Additional credits shall be
made to a Participant’s Stock Option Deferral Account in dollar amounts equal to the cash value (or the fair market value of dividends paid in property other than common stock of the Company) that the Optionee would have received had he been
the owner on each record date of a number of shares of common stock equal to the number of 
  

 9 

 Stock Units credited to his Stock Option Deferral Account on such date. In the case of a dividend in common stock of the
Company, additional credits will be made to the Stock Option Deferral Account of the Participant of a number of Stock Units equal to the number of shares of common stock that the Participant would have received had he been the owner on each record
date of a number of shares of such common stock equal to the number of Stock Units credited to his Stock Option Deferral Account. Any cash dividends (or the value of dividends paid in property other than common stock of the Company) shall be
converted into Stock Units based upon the fair market value of common stock of the Company on the record date for payment of any such dividend. 
  
 3.3. “Stock Units” means units based upon the fair market value of the common stock of the Company and credited to a Stock Option
Deferral Account pursuant to Section 3.1 above. 
  
 ARTICLE
IV 
  
VESTING OF PARTICIPANTS’ ACCOUNTS

  
 4.1. Fully Vested Accounts. A Participant shall be
fully vested in the amount in his or her Compensation Deferral Account, Supplemental Matching Contributions Account, Transferred Contributions Account and Stock Option Deferral Account at all times. 
  
 4.2. Supplemental Profit Sharing and ESOP Contributions Accounts. A
Participant shall be vested in his or her Supplemental Profit Sharing and ESOP Contributions Accounts after he or she completes five Years of Service, as illustrated by the following schedule: 
  

				
	 Years of Service

	  	Vested Percentage

	 
	 Less than 2 years
	  	0	%
	 2 but less than 3
	  	40	%
	 3 but less than 4
	  	60	%
	 4 but less than 5
	  	80	%
	 5 or more years
	  	100	%

  
 4.3. Discretionary
Company Contributions Account. The Committee, in its sole discretion, shall specify in writing the vesting schedule applicable to any Participant’s or group of Participants’ Discretionary Company Contributions Account, and/or any
particular contribution to a Participant’s Discretionary Company Contributions Account. 
  
 4.4. Forfeiture Due to Competition or Breach of Confidentiality. A Participant may not, except with the express prior written consent of the Company, for a period of two (2) years after the
Participant’s Employment Termination (the “Restrictive Period”), directly or indirectly compete with the business of the Employers, including, but not by way of limitation, by directly or indirectly owning, managing, operating,
controlling, financing, or by directly or indirectly serving as an employee, officer or director of or consultant to, or by soliciting or inducing, or attempting to solicit or induce, any employee or agent of an Employer to terminate employment with
the Employer and become employed by any person, firm, partnership, corporation, trust or other entity that owns or operates a bank, savings and loan association, credit union or similar financial institution (a “Financial Institution”)
within a twenty-five (25) miles radius of (i) an 
  

 10 

 Employer’s main office or (ii) the office of any Employer’s Affiliated Companies (the “Restrictive
Covenant”). The foregoing Restrictive Covenant shall not prohibit a Participant from owning directly or indirectly capital stock or similar securities which are listed on a securities exchange or quoted on the National Association of Securities
Dealers Automated Quotation system which do not represent more than one percent (1%) of the outstanding capital stock of any Financial Institution. 
  
 If a Participant violates the Restrictive Covenant or the Company’s Code of Professional Responsibility, all amounts in the Participant’s
Discretionary Company Contributions Account and Supplemental Matching, Profit Sharing and ESOP Contributions Accounts shall be forfeited; except that this Section 4.4 shall become ineffective upon a Change in Control of the Company. 

 
 4.5. Full Vesting Provisions. Notwithstanding the foregoing, a
Participant shall be fully vested in his or her entire Account upon: (i) the date of the Participant’s Employment Termination on account of death or Disability; (ii) the Participant’s Retirement Date; or (iii) a Change in
Control of the Company. 
  
 4.6. Forfeiture. A Participant
whose Employment Termination occurs prior to the full vesting of his or her Account will forfeit the portion of his or her Account that is not vested. 
  
 ARTICLE V 
  
INVESTMENT OF CONTRIBUTIONS 
  
 5.1. Investment of Participants’ Accounts. All Participant and Company contributions shall be contributed by the Company to, and held and
invested in, the Investment Funds maintained under the Trust. A Participant’s Supplemental ESOP Contributions Account and Stock Option Deferral Account will be deemed to be invested in the Company Stock Fund. The Participant will be consulted
with respect to the investment of his or her Supplemental Profit Sharing Contributions, Compensation Deferral and Supplemental Matching Contributions Accounts. A Participant’s Discretionary Contributions Account shall be deemed to be invested
in a manner selected by the Committee in its sole discretion. However, the Committee reserves the right to invest all Participants’ Accounts as it deems best. Each Participant’s Account shall be credited or debited with that
Participant’s proportionate share of any gains or losses resulting from the Investment Funds. 
  
 Any amount in a Participant’s Account that is forfeited according to Article IV shall be applied toward administrative expenses incurred in
connection with the Plan or used to reduce future Company contributions in the sole discretion of the Committee. The Company shall provide each Participant with a written statement of his or her Accounts at least semi-annually. 
  
 5.2. Adjustment For Investment Earnings. The amounts credited to a
Participant’s Account shall be adjusted from time to time in accordance with uniform procedures established by the Committee to reflect the value of an investment equal to the Participant’s Account balance in the Investment Funds. The
Investment Funds available may be revised from time to time by the Committee with approval of the Trustee of the Trust described in Section 9.2. The Committee, with the approval of the Trustee, may eliminate any Investment Funds available at
any time; provided, however, that the Committee may not retroactively eliminate any Investment Fund. 
  

 11 

 A Participant shall designate the applicable Investment Fund to be used with respect to his or her
Supplemental Profit Sharing Contributions, Compensation Deferral and Supplemental Matching Contributions Accounts in increments of at least 10%, pursuant to a written investment election form delivered to the Committee or its designee (or such other
method as the Committee specifies). The Participant may change his or her Investment Fund designation with respect to future contributions credited to his or her Supplemental Profit Sharing Contributions, Compensation Deferral and Supplemental
Matching Contributions Accounts and/or with respect to amounts previously credited to such Accounts, in accordance with the procedures established by the Committee. 
  
 ARTICLE VI 
  
DISTRIBUTIONS 
  
 6.1. Distribution of Participants’ Accounts. A Participant’s Accounts will be distributed to him or her in accordance with the provisions
of this Article VI. A Participant’s Accounts, except for the Participant’s Stock Option Deferral Account, will be distributed to him or her in cash, unless otherwise provided by the Committee in its sole discretion. 
  
 6.2. Form of Distribution. Each Participant shall elect the manner of
payment of his or her Account, at the time of his or her initial Deferral Agreement. A Participant may change the manner in which his or her Account will be distributed at any time prior to the Participant’s Employment Termination, subject to
Section 6.3(c). A Participant may also make a one-time election on or after his or her Employment Termination but prior to the commencement of distribution, to change the manner in which his or her Account will be distributed, subject to
Section 6.3(c) and in accordance with the procedures established by the Committee. A Participant may elect to have his or her Account distributed in a lump sum or in substantially equal annual (or more frequent, as permitted by the Committee)
installment payments over a period not to exceed fifteen (15) years. Once a Participant elects the form in which his or her Account shall be distributed, the Participant may not later modify the election in a manner that would result in
the accelerated receipt of the distribution. The entitlement to a series of installment payments will be deemed as the entitlement to a single payment. If a Participant does not make a valid distribution election, or if the Participant fails to
elect the form or period of distribution, then the manner of payment and date for commencement of payment of the Participant’s Account shall be a single lump sum payment, as soon as practicable but no later than December 31 of the calendar
year of the Participant’s Employment Termination or 2 1/2 months after the Participant’s Employment
Termination, whichever is later. 
  
 Notwithstanding the
foregoing, if the value of the Participants’ Accounts is $5,000 or less at the time of the Participant’s Employment Termination, such Accounts shall be distributed to the Participant in a single lump sum distribution, as soon as
practicable but no later than December 31 of the calendar year of the Participant’s Employment Termination or 2 1/2 months after the Participant’s Employment Termination, whichever is later. 
  

 12 

 6.3. Timing of Distribution. The balance of a Participant’s Accounts shall be distributed to
or with respect to the Participant only: (i) upon Employment Termination; (ii) upon any date before Employment Termination that is specified by the Participant at least 12 months prior to such date, in accordance with subparagraph
(d) below; (iii) upon the Participant’s death; or (iv) as a result of an unforeseeable emergency in accordance with Section 6.5. 
  
(a) Notwithstanding the Participant’s election, distributions to a Participant will not begin sooner than 12 months following his or
her election as to the form and timing of such distributions unless the Participant’s Employment Termination is due to the Participant’s death. 
  
(b) Notwithstanding anything in this Section to the contrary, the balance of a Participant’s Stock Option Deferral Account may not be
distributed to or with respect to the Participant until a date that is at least 12 months from the date of deferral of the applicable Option. 
  
(c) If the Participant modifies his or her election as to the form or timing of a distribution not related to a distribution due to death
or unforeseeable emergency, the first payment with respect to such election must be deferred for a period not less than 5 years from the date the payment would have otherwise been made if not for the modification. A change in distribution election
will not be effective unless the Participant files such change in writing with the Committee at least 12 months prior to the date that distribution of his or her Accounts is otherwise scheduled to commence. 
  
 (d) A Participant may elect at the time of his or her
initial Deferral Agreement, to receive an in-service lump sum distribution of all or a portion of his or her Accounts, as of any date specified by the Participant. An election made in accordance with this subsection (d) will apply only to
distributions of the Participant’s Account made prior to the date of the Participant’s Employment Termination. 
  
(e) Notwithstanding the Participant’s election, distribution of a Participant’s Accounts will begin as soon as practicable after
the Participant’s death. 
  
 6.4. Distributions to Key
Employees Upon Employment Termination. Notwithstanding anything in this Article to the contrary, if the Participant is a Key Employee, distribution of the Participant’s Accounts upon Employment Termination will begin no sooner than 6 months
after the Participant’s Employment Termination, unless such Employment Termination is due to the Participant’s death. 
  
 6.5. Distributions Upon Death. If a Participant dies before full distribution of his or her Account, any remaining amounts shall be distributed as
soon as practicable after the Participant’s death to the beneficiary, and in the method, designated by the Participant in a writing delivered most recently to the Committee prior to death. In the event that (i) the Participant fails to
designate a beneficiary or beneficiaries or (ii) the Plan’s records of beneficiary designations are lost or destroyed, then the entire interest in the Participant’s Accounts shall be distributed first to the Participant’s spouse
if then living, or second to the Participant’s estate. In the event that the Participant (i) designates a beneficiary who predeceases the Participant or (ii)
  

 13 

 designates a beneficiary who disclaims the benefit under the Plan, then such beneficiary’s entire interest in the
Participant’s Accounts shall be distributed first to the Participant’s spouse if then living, or second to the Participant’s estate. If a Participant has not designated a method of distribution, the Participant’s Accounts will be
distributed in a single lump sum payment as soon as practicable. 
  
6.6. Distributions Due to an Unforeseeable Emergency. In the discretion of the Committee and at the written request of a Participant, an amount up to 100 percent of his or her vested Account may be distributed to a Participant in the
case of an “unforeseeable emergency,” subject to the limitations set forth below. For purposes of this Section 6.6, and in accordance with Prop. Reg. Section 1.409A-3(g)(3), an “unforeseeable emergency” is a severe
financial hardship to the Participant resulting from an illness or accident of the Participant or of a dependent (as defined in Code Section 152(a)) of the Participant, loss of the Participant’s property due to casualty, or other similar
extraordinary and unforeseeable circumstances arising as a result of events beyond the control of the Participant. The circumstances that will constitute an unforeseeable emergency will depend upon the facts of each case, but, in any case, payment
may not be made to the extent that such hardship is or may be relieved: 
  
(a) through reimbursement or compensation by insurance or otherwise; 
  
(b) by liquidation of the Participant’s assets, to the extent the liquidation of such assets would not itself cause severe financial
hardship; or 
  
(c) by cessation of Deferral
Contributions under the Plan. 
  
 Only one distribution on account
of an unforeseeable emergency shall be permitted during a Plan Year. A Participant’s request for such a distribution must be accompanied or supplemented by such evidence that the Committee or its designee may reasonably require. Withdrawals of
amounts due to an unforeseeable emergency shall be permitted only to the extent reasonably needed to satisfy the unforeseeable emergency need and to pay taxes reasonably anticipated as a result of the distribution. 
  
 Any Participant who receives a hardship distribution shall cease Deferral
Contributions for a period of one year following the date of such hardship distribution. Reentry into the Plan will be according to the Deferral Agreement procedures described in Section 2.3. 
  
 6.7. Tax Effect. Neither the Employer, the Committee, nor any firm,
person, or corporation, represents or guarantees that any particular federal, state or local tax consequences will occur as a result of any Participant’s participation in this Plan. Each Participant shall consult with his or her own advisers
regarding the tax consequences of participation in this Plan. Notwithstanding anything to the contrary contained herein, and subject to the provisions of Code Section 409A, if (i) the Internal Revenue Service (IRS) prevails in its claim
that all or a portion of the amounts contributed to the Plan, and/or earnings thereon, constitute taxable income to a Participant or beneficiary for any taxable year that is prior to the taxable year in which such contributions and/or earnings are
actually distributed to such Participant or beneficiary, or (ii) legal counsel selected by the Committee advises the Committee that the IRS would likely prevail in such claim, the applicable Account balance shall be immediately distributed to
the Participant 
  

 14 

 or beneficiary. For purposes of this Section, the IRS shall be deemed to have prevailed in a claim if such claim is
upheld by a court of final jurisdiction, or if the Committee, based upon the advice of legal counsel selected by the Committee, fails to appeal a decision of the IRS, or a court of applicable jurisdiction, with respect to such claim, to an
appropriate IRS appeals authority or to a court of higher jurisdiction within the appropriate time period. The timing or schedule of a payment to a Participant under the Plan may be accelerated at any time the arrangement fails to meet the
requirements of Code Section 409A. Such payment may not exceed the amount required to be included in income as a result of the failure to comply with the requirements of Code Section 409A and the regulations. 
  
 ARTICLE VII 
  
 ADMINISTRATION OF THE PLAN 
  
 7.1. Administration by the Committee. The Committee shall be
responsible for the general operation and administration of the Plan and for carrying out the provisions thereof. 
  
 7.2. Power and Duties of Committee. The Committee shall administer the Plan in accordance with its terms and shall have all powers necessary to
carry out the provisions of the Plan. The Committee shall interpret the Plan and shall determine all questions arising in the administration, interpretation, and application of the Plan, including but not limited to, questions of eligibility and the
status and rights of employees, Participants and other persons. Any such determination by the Committee shall presumptively be conclusive and binding on all persons. The regularly kept records of the Company shall be conclusive and binding upon all
persons with respect to a Participant’s date and length of service, amount of Compensation and the manner of payment thereof, type and length of any absence from work and all other matters contained therein relating to Participants. All rules
and determinations of the Committee shall be uniformly and consistently applied to all persons in similar circumstances. To the extent not inconsistent with this Plan, all provisions set forth in the Qualified Plan with respect to the administrative
powers and duties of the Committee, expenses of administration, and procedures for filing claims, also shall be applicable with respect to this Plan. 
  
 ARTICLE VIII 
  
AMENDMENT OR TERMINATION 
  
 8.1. Amendment or Termination. The Company intends the Plan to be permanent but reserves the right to amend or terminate the Plan at any time. Any
such amendment or termination shall be made pursuant to a resolution of the Board and shall be effective as of the date of such resolution. 
  
 8.2. Effect of Amendment or Termination. No amendment or termination of the Plan shall directly or indirectly reduce the balance of any Account
held hereunder as of the effective date of such amendment or termination. No additional contributions shall be made to the Account of a Participant after termination of the Plan, but the Company shall continue to credit gains and losses to
Participants’ Accounts pursuant to Article V, until the balance of such 
  

 15 

 Accounts have been fully distributed to each Participant or beneficiary, as applicable. The time and form of a payment to
a Participant under the Plan may be accelerated where the right to the payment arises due to a termination of the arrangement, in accordance with the provisions of IRS Proposed Regulation §1.409A-3(h)(2)(viii) or any successor provisions
thereto. 
  
 ARTICLE IX 
  
 GENERAL PROVISIONS 
  
 9.1. Participant’s Rights Unsecured. Except as otherwise set
forth in Section 9.2, the Plan at all times shall be entirely unfunded and no provision shall at any time be made with respect to segregating any assets of the Company or its Affiliates for payment of any distributions hereunder. The right of a
Participant or beneficiary to receive a distribution hereunder shall be an unsecured claim against the general assets of the Company or its Affiliates, and neither the Participant nor any beneficiary shall have any rights in or against any specific
assets of the Company or its Affiliates. All amounts credited to the Participants’ Accounts shall constitute general assets of the Employer for whose participants the amounts were contributed, and may be disposed of by the Company or the
Employer at such time and for such purposes as it may deem appropriate. 
  
 9.2. Trust Agreement. All rights under this Plan shall at all times be entirely unfunded and no provision shall at any time be made with respect to segregating any assets of the Company or any Employer for payment of any amounts due
hereunder. No Participant or beneficiary under the Plan shall have any interest in or rights against any specific assets of the Company or any Employer, and all Participants and beneficiaries shall have only the rights of general unsecured creditors
of the Company and the applicable Employer. Notwithstanding the preceding provisions of this Section, the Company, in its discretion shall have the right, at any time and from time to time, to cause amounts payable to any Participant or beneficiary
hereunder to be paid to the trustee of a Trust established by the Company for the benefit of Participants or their beneficiaries. Such Trust shall contain terms and conditions to ensure that the Trust assets and earnings will be subject to creditors
of the Employer for whose Participants the assets were contributed, but will otherwise be available only to pay benefits to Participants and beneficiaries pursuant to the terms of the Plan, and will contain such other provisions as are necessary to
assure that transfers to the Trust, and earnings on Trust assets, will not constitute taxable income to any Participant or beneficiary pursuant to applicable provisions of the Code. 
  
 9.3. General Conditions. Except as otherwise expressly provided herein, all terms and conditions of the Qualified
Plan applicable to a Qualified Plan Compensation Deferral, Qualified Plan Matching, Qualified Plan ESOP, or Qualified Plan Profit Sharing Contribution will also be applicable to an Eligible Employee’s Deferral, Supplemental Matching,
Supplemental ESOP, or a Supplemental Profit Sharing Contribution, to be made hereunder. Any Qualified Plan Compensation Deferral, Qualified Plan Matching, Qualified Plan ESOP, or Qualified Plan Profit Sharing Contribution, or any other contributions
to be made under the Qualified Plan, shall be made solely in accordance with the terms and conditions of the Qualified Plan, and nothing in the Plan shall operate or be construed in any way to modify, amend or affect the terms and provisions of the
Qualified Plan. 
  

 16 

 9.4. No Guaranty of Benefits. Nothing contained in the Plan shall constitute a guaranty by the
Company or any Affiliate or any other person or entity that the assets of the Company or any Affiliate will be sufficient to pay any benefit hereunder. 
  
 9.5. No Enlargement of Employee Rights. No Participant shall have any right to receive a distribution of contributions made under the Plan except
in accordance with the terms of the Plan. Establishment of the Plan shall not be construed to give any Participant the right to be retained in the service of the Company or any Affiliated Company. 
  
 9.6. Tax Withholding. The Company shall withhold from
Participants’ Accounts any taxes required to be withheld under federal, state, or local law. Such taxes shall be withheld from the Participant’s non-deferred compensation to the maximum extent possible with any excess being withheld from
the Participant’s Account. Each Participant shall bear the ultimate responsibility for payment of all taxes owed under this Plan. 
  
 9.7. Spendthrift Provision. No interest of any person or entity in, or right to receive a distribution under, the Plan shall be subject in any
manner to sale, transfer, assignment, pledge, attachment, garnishment, or other alienation or encumbrance of any kind; nor may such interest or right to receive a distribution be taken, either voluntarily or involuntarily for the satisfaction of the
debts of, or other obligations or claims against, such person or entity, including claims for alimony, support, separate maintenance and claims in bankruptcy proceedings. 
  
 9.8. Assignment and Alienation of Benefits. The right of each Participant to any account, benefit or payment
hereunder will not, to the extent permitted by law, be subject in any manner to attachment or other legal process for the debts of that Participant; and no account, benefit or payment will be subject to anticipation, alienation, sale, transfer,
assignment or encumbrance except by will, by the laws of descent and distribution, or by Participant election to satisfy a property settlement agreement pursuant to a divorce. 
  
 9.9. Applicable Law. To the extent the laws of the United States do not apply, the Plan shall be construed and
administered under the laws of the State of Ohio, other than its laws respecting choice of law. 
  
 9.10. Incapacity of Recipient. If any person entitled to a distribution under the Plan is deemed by the Company or its designee to be incapable of
personally receiving and giving a valid receipt for such payment, then, unless and until claim therefor shall have been made by a duly appointed guardian or other legal representative of such person, the Company or its designee may provide for such
payment or any part thereof to be made to any other person or institution then contributing toward or providing for the care and maintenance of such person. Any such payment shall be a payment for the account of such person and a complete discharge
of any liability of the Company, its designee and the Plan therefor. 
  
 9.11. Corporate Successors. The Plan shall not be automatically terminated by a transfer or sale of assets of the Company, or by the merger or consolidation of the Company into or with any other corporation or other entity, but the
Plan shall be continued after such sale, merger or consolidation only if and to the extent that the transferee, purchaser or successor entity agrees to continue the Plan. If the Plan is not continued by the transferee, purchaser or successor entity,
then the Plan shall terminate subject to the provisions of Section 8.2. 
  

 17 

 9.12. Unclaimed Benefit. In the event that all, or any portion, of the distribution payable to a
Participant or beneficiary hereunder shall, at the expiration of five years after it shall become payable, remain unpaid solely by reason of the inability of the Company or its designee, after sending a registered letter, return receipt requested,
to the last known address, and after further diligent effort, to ascertain the whereabouts of such Participant or beneficiary, the amount so distributable shall be treated as a forfeiture and shall be retained by the Company as part of its general
assets. 
  
 9.13. Limitations on Liability. Notwithstanding
any of the preceding provisions of the Plan, neither the Company nor any individual acting as employee or agent of the Company shall be liable to any Participant, former Participant, beneficiary or other person for any claim, loss, liability or
expense incurred in connection with the Plan. 
  
 9.14. Claims
Procedure. A claim for a Plan benefit shall be deemed filed when a written communication is made by a Participant or Beneficiary, or the authorized representative of either, which is reasonably calculated to bring the claim to the attention of
the Committee. If a claim is wholly or partially denied, notice of such decision shall be furnished to the claimant in writing within 90 days after receipt of the claim by the Committee. Such notice shall set forth, in a manner calculated to be
understood by the claimant: (i) the specific reason or reasons for the denial; (ii) specific reference to pertinent Plan provisions on which the denial is based; (iii) a description of any additional material or information necessary
to perfect the claim and an explanation of why such material or information is necessary; and (iv) an explanation of the Plan’s claims review procedure. 
  
 Within 90 days from the receipt of the note of denial, a claimant may appeal such denial to the Committee for a full and
fair review. The review shall be instituted by the filing of a written request for review by the claimant or his or her authorized representative within the 90-day period stated above. A request for review shall be deemed filed as of the date of
receipt of such written request by the Committee. The claimant or his or her authorized representative shall have the right to review all pertinent documents, may submit issues and comments in writing and may do such other appropriate things as the
Committee may allow. The decision of the Committee shall be made not later than 60 days after the receipt of the request for review, unless special circumstances, such as the need to hold a hearing, require an extension of time, in which case, a
decision shall be rendered not later than 120 days after the receipt of a request for review. Such decision shall be final and binding on the claimant. 
  
 9.15. Gender and Number. Words in the masculine gender shall include the feminine and the singular shall include the plural, and vice versa, unless
qualified by the context. Any headings used herein are included for reference only, and are not to be construed so as to alter the terms hereof. 
  
 9.16. Indemnification. The Company and each Employer shall indemnify and hold harmless each member of the Committee, or any employee of the Company
or an Employer, or any individual acting as an employee or agent of either of them (to the extent not indemnified or 
  

 18 

 saved harmless under any liability insurance or any other indemnification arrangement) from any and all claims, losses,
liabilities, costs and expenses (including attorneys’ fees) arising out of any actual or alleged act or failure to act made in good faith pursuant to the provisions of the Plan or the Trust, including expenses reasonably incurred in the defense
of any claim relating thereto with respect to the administration of the Plan or the Trust, except that no indemnification or defense shall be provided to any person with respect to any conduct that has been judicially determined, or agreed by the
parties, to have constituted willful misconduct on the part of such person, or to have resulted in his or her receipt of personal profit or advantage to which he or she is not entitled. 
  
 [Signature page follows] 
  

 19 

 
Executed this 2nd day of December 2005. 

 

			
	SKY FINANCIAL GROUP, INC.
		
	By:	 	 /s/ Thomas A. Sciorilli

	Its:	 	Chief Human Resources Officer

 

 20

FIRST AMENDMENT 
 OF
THE 
 SKY FINANCIAL GROUP, INC.
NON-QUALIFIED RETIREMENT PLAN II 
 (Effective January 1, 2005)

 WHEREAS, Sky Financial Group, Inc. (the “Company”) maintains the Sky Financial Group, Inc. Non-Qualified
Retirement Plan II (the “Plan”) for a select group of its management and highly compensated employees; 
 WHEREAS, the Company has delegated authority to amend the Plan to the Sky Financial Group, Inc. Benefit Plans Committee (the “Committee”); and 
 WHEREAS, the Committee now considers it desirable to amend the Plan. 
 Now, THEREFORE, pursuant to the power reserved to the Committee by Section 8.1 of the Plan, and by virtue of the authority
delegated to the undersigned by resolution of the Committee, the Plan is hereby amended, effective January 1, 2005, in the following particulars: 
 1. By substituting the following for Section 2.4(a) of the Plan: 
 “(a) the
Qualified Plan Matching Contribution that would have been made on behalf of the Participant for the Plan Year, based on the Participant’s Compensation prior to any Deferral Contributions under this Plan, and without giving effect to any
reductions required by the limitations imposed by the Code on the Qualified Plan; and” 
 2. By substituting the following for
Section 2.8 of the Plan: 
 “2.8 Amounts Deemed Transferred from the Sky Financial Group, Inc. Non-Qualified
Retirement Plan. A Participant’s Supplemental Profit Sharing Contributions Account, Supplemental ESOP Contributions Account, and Discretionary Company Contributions Account shall be credited as of the Effective Date with such amount, if
any, as is deemed to be transferred from such Participant’s account under the NQRP I. The amounts credited, if any, will be the unvested portion of the Participant’s account under the NQRP I as of December 31, 2004. A Participant
shall vest in amounts transferred from the NQRP I to his or her Supplemental Profit Sharing Contributions Account and Supplemental ESOP Contributions Account in accordance with the vesting schedule under Section 4.2 of the Plan and shall vest
in amounts transferred from the NQRP I to 

 
his or her Discretionary Company Contributions Account in accordance with Section 4.3 of the Plan.” 
 3. By adding the following sentence to Section 6.3 of the Plan, as the last sentence thereof: 
 “Except as otherwise provided in this Article XI, the balance of a Participant’s Account shall be distributed as soon as administratively
practicable following the occurrence of the applicable events described in this Section 6.3.” 
 4. By adding the following
sentence to the end of Section 6.4 of the Plan, as the last sentence thereof: 
 “In the event the Participant elects to receive his
or her Account distributed in installment payments, the first installment payment that is at least 6 months after the Participant’s Employment Termination shall include a payment equal to the sum of the payments that would have been made during
the 6 months after the Participant’s Employment Termination if the Participant were not a Key Employee.” 
 IN
WITNESS WHEREOF, the undersigned Committee member has executed this Plan amendment on behalf of the Committee, this 14th day of November 2006. 
  

			
	SKY FINANCIAL GROUP, INC. BENEFIT PLANS COMMITTEE
		
	By:	 	/s/ Thomas A. Sciorilli
		 	A Member of the Committee

 

 - 2 - 

  

 

SECOND AMENDMENT 
 OF
THE 
 SKY FINANCIAL GROUP, INC.
NON-QUALIFIED RETIREMENT PLAN II 
 (Effective January 1, 2005)

 WHEREAS, Sky Financial Group, Inc. (the “Company”) maintains the Sky Financial Group, Inc.
Non-Qualified Retirement Plan II (the “Plan”) for a select group of its management and highly compensated employees; 
 WHEREAS, the Company has delegated authority to amend the Plan to the Sky Financial Group, Inc. Benefit Plans Committee (the “Committee”); and 
 WHEREAS, the Committee now considers it desirable to amend the Plan with respect to eligibility criteria for
certain Plan participants. 
 Now, THEREFORE, pursuant to the power reserved to the Committee by
Section 8.1 of the Plan, and by virtue of the authority delegated to the undersigned by resolution of the Committee, the Plan is hereby amended, effective January 1, 2007, by substituting the following for Section 1.20 of the Plan:

 “1.20 ‘Eligible Employee’ means each employee of an Employer who is: (i) classified as
a senior vice-president or higher and whom the Committee expects to earn Compensation of at least the amount in effect under Code Section 414(q)(1)(B) ($100,000 for 2007, adjusted periodically for cost-of-living increases); (ii) a
commissioned salesperson whom the Committee expects to earn at least $150,000 in commissions per year; or (iii) designated by the Committee as an Eligible Employee; provided, however, that for purposes of determining eligibility to make
deferral contributions under Section 2.2, the employee must also have received notification of his or her designation as an Eligible Employee from the Company’s Benefits Department in order to be an Eligible Employee.” 
 IN WITNESS WHEREOF, the undersigned Committee member hereby certifies that the
foregoing is a true and correct copy of an Amendment duly adopted by Resolution of the Committee on November 14, 2006. 
  

			
		
	 By:
	 	 /s/ Thomas A. Sciorilli

	 Date:
	 	 1-16-07

  THIRD AMENDMENT

OF THE

SKY FINANCIAL GROUP, INC. NON-QUALIFIED RETIREMENT PLAN II

(Effective January 1, 2005) 

        WHEREAS, Sky Financial Group, Inc. (the “Company”) maintains the Sky Financial Group, Inc. Non-Qualified Retirement Plan II (the “Plan”) for a select group of its
management and highly compensated employees; 

        WHEREAS, the Company has delegated authority to amend the Plan to the Sky Financial Group, Inc. Benefit Plans Committee (the “Committee”); and 

       WHEREAS, the Committee now considers it desirable to amend the Plan.

        NOW, THEREFORE, pursuant to the power reserved to the Committee by Section 8.1 of the Plan, and by virtue of the authority delegated to the undersigned by resolution of the Committee, the
Plan is hereby amended in the following particulars, effective May 16, 2007, except where otherwise noted: 

        1. By adding the following sentence to end of the first introductory paragraph of the Plan, effective June 30, 2007: 

            “Upon the Effective Time (as defined in Article X), the Plan is frozen.”

     2. By substituting the following for Section 1.22 of the Plan:

            “1.22. ‘Employment Termination’ means a Separation from Service.”

     3. By substituting the following for Section 1.24 of the Plan:

         “1.24 ‘Key Employee’ means, for purposes of this Plan, a Participant who, at the time of his or her distribution, is a ‘specified employee’ as defined in Code
      Section 49A and Treas. Reg. Section 1.409A -1(c)(i) (or any similar or successor provisions). For purposes of determining whether a Participant is a ‘specified employee’, the amount of compensation to be considered shall be the amount set
      forth in Box 1 of the Participant’s Form W-2. Key Employees will be identified as of the 12-month period ending on each December 31 (the ‘Identification Date’ as described in Treas. Reg. Section 1.409A -

  
    1(c)(i)(3)), and will be considered Key Employees for the 12-month period beginning on April 1 of the year following the Identification Date and ending on the following March 31.”    

        4. By adding the following new Section 1.34A to the Plan, immediately after Section 1.34 of the Plan: 

         “1.34A ‘Separation from Service’ means the Participant’s separation from service with the Employer for any reason whatsoever, within the meaning of the Code Section 409A
    and Treas. Reg. Section 1.409A -1(h). If an Eligible Employee terminates employment with an Employer but continues in service as a Director, the Committee will not automatically consider the Participant to have incurred a Separation from
    Service.” 

        5. By substituting the following for the first paragraph of Section 5.1 of the Plan: 

         “5.1 Investment of Participants’ Accounts. All Participant and Company contributions shall be contributed by the Company to, and held and invested in, the Investment Funds maintained under the Trust. The Participant shall have the right to direct the deemed investment of
    his or her Supplemental Profit Sharing Contributions Account, Compensation Deferral Account, Supplemental Matching Contributions Account, Supplemental ESOP Contributions Account and Stock Option Deferral Account. A Participant’s Discretionary
    Contributions Account shall be deemed to be invested in a manner selected by the Committee in its sole discretion. Each Participant’s Account shall be credited or debited with that Participant’s proportionate share of any gains or losses
    resulting from the Investment Funds.” 

        6. By substituting the following sentence for the first sentence of the second paragraph of Section 5.2 of the Plan: 

        “A Participant shall designate the applicable Investment Fund to be used with respect to his or her Supplemental Profit Sharing Contributions Account, Compensation Deferral Account,
    Supplemental Matching Contributions Account, Supplemental ESOP Contributions Account and Stock Option Deferral Account in increments of at least 10%, pursuant to a written investment election form delivered to the Committee or its designee (or such
    other method as the Committee specifies).” 

2

        7. By substituting the following sentence for the second sentence of Section 6.1 of the Plan: 

        “A Participant’s Accounts will be distributed to him or her in cash, unless otherwise provided by the Committee in its sole discretion.”

        8. By deleting the third sentence of Section 6.2 of the Plan, effective January 1, 2005. 

        9. By deleting the second paragraph of Section 6.2 of the Plan in its entirety, effective January 1, 2008. 

        10. By substituting the following for Section 6.3(e) of the Plan, effective January 1, 2008: 

         “(e) Notwithstanding the Participant’s election, distribution of a Participant’s Accounts will begin as soon as practicable after the Participant’s death, but no later
    than the later of (i) December 31 of the year in which the Participant dies and (ii) the 15th day of the
      third month following the Participant’s death.” 

        11. By substituting the following sentence for the last sentence of Section 6.3 of the Plan, effective January 1, 2008: 

  
    “Except as otherwise provided in this Article VI, the balance of a Participant’s Account shall be distributed as soon as administratively practicable following the occurrence of
    the applicable events described in this Section 6.3, but no later than the later of (i) December 31 of the year in which the amount is payable from the Plan and (ii) the 15th day of the third month following the date in which the amount is payable from the Plan.” 

        12. By replacing the phrase “Prop. Reg. Section 1.409A -3(g)(3)” where it appears in Section 6.6 of the Plan with the phrase “Treas. Reg. Section 1.409A -3(i)(3)”,
effective January 1, 2008. 

        13. By substituting the following for the first sentence of Section 8.2 of the Plan, effective June 30, 2007: 

      “No amendment or termination of the Plan shall:

            (a) directly or indirectly reduce the balance of any Account held hereunder as of the effective date of such amendment or termination;

  3

             (b) on or after the Effective Time (as defined in Article X), adversely affect a Participant’s right to modify his or her distribution elections under Article VI of the Plan, except
as required by applicable law in order to prevent an excise tax on the Participant; 

             (c) on or after the Effective Time, revoke or otherwise restrict a Participant’s right to change his or her investment elections under the Article V Plan, except as required by
applicable law in order to prevent an excise tax on the Participant; or 

             (d) provide for a distribution of a Participant’s Accounts in a time or form except as set forth in the Participant’s distribution election in effect as of the effective date of
such amendment or termination 

        14. By replacing the phrase “IRS Proposed Regulation §1.409A -3(h)(2)(viii)” where it appears in Section 8.2 of the Plan with the phrase “Treas. Reg. Section 1.409A
-3(j)(4)(ix)”, effective January 1, 2008. 

        15. By adding the following new Article X of the Plan, immediately after Article IX therein, effective June 30, 2007: 

ARTICLE X 

  

  PLAN FROZEN

             10.1 The Plan will be frozen as of the ‘Effective Time,’ as defined in the Agreement and Plan of Merger by and among Huntington Bancshares Incorporated, Penguin Acquisition, LLC
and the Company dated as of December 20, 2006, subject to and contingent upon the closing of such merger. As of the Effective Time and for Plan Years beginning on and after the Effective Time, the Plan will operate on a frozen basis. Notwithstanding
any provisions of the Plan to the contrary, the following provisions shall apply. 

              (a) No employees of the Company who were not Participants in the Plan prior to the Effective Time will be eligible to become Participants after that date. 

              (b) Effective as of the Effective Time, no further deferral or supplemental contributions will accrue on behalf of any Participant for any period after the Effective Time. 

              (c) Effective as of the Effective Time, a Participant shall be fully vested in the amounts in his or her Accounts under the Plan. 

  4 

             (d) A Supplemental Matching Contribution will be made for the Plan Year beginning January 1, 2007. For purposes of determining the Supplemental Matching Contribution credited to the Plan
for the Plan Year beginning January 1, 2007, the ‘Plan Year’ in Section 2.4(a) and 2.4(b) used for calculating the Qualified Plan Matching Contribution shall mean the portion of the Plan Year from January 1, 2007 through the Effective
Time. 

              (e) Participant distribution elections shall continue in full force and effect on and after the Effective Time, and a Participant may modify his or her election thereafter in accordance
with the terms of Article VI of the Plan. 

              (f) Participant investment elections shall continue in full force and effect on and after the Effective Time, and a Participant may continue to direct the deemed investment of his or her
Accounts thereafter in accordance with the terms of Article V of the Plan. The Investment Funds available may be revised from time to time by the Committee with the approval of the Trustee of the Trust described in Section 9.2. 

             (g) Subject to Article VIII, the Plan shall continue in effect on and after the Effective Date. To the extent not inconsistent with the provisions of this Article X, all provisions of the
Plan shall continue to apply.” 

* * *

  

5

        IN WITNESS WHEREOF, the undersigned Committee member has executed this Plan amendment on behalf of the Committee, this 24th day of May 2007. 

	 	
      SKY FINANCIAL GROUP, INC. BENEFIT
	 	
      PLANS COMMITTEE
	 	     
	 	
      By: 	 	/s/ T.A. Sciorilli
	 	 	

	 	
      A Member of the Committee

6

FOURTH AMENDMENT

OF THE

SKY FINANCIAL GROUP, INC. NON-QUALIFIED RETIREMENT PLAN II

(Effective January 1, 2005)

       WHEREAS, Sky Financial
Group, Inc. (the “Company”) maintains the Sky Financial Group, Inc. Non-Qualified Retirement Plan II (the “Plan”) for a select group of its management and highly compensated employees; 

       WHEREAS, the Company has
delegated authority to amend the Plan to the Sky Financial Group, Inc. Benefit Plans Committee (the “Committee”); and

       WHEREAS, the Committee now
considers it desirable to further amend the Plan.

     NOW, THEREFORE, pursuant to the power reserved to the Committee by Section 8.1 of the Plan, and by virtue of the authority delegated to the undersigned by resolution of the Committee, the Plan is hereby amended in the following particulars, effective January 1, 2005:
	 	
      1.      		
      By deleting the second paragraph of Section 6.2 of the Plan in its entirety. 
	 	 	 
	 	
      2.      		
      By substituting the following for the first paragraph of Section 6.3 of the Plan: 

  
          “6.3 Timing of Distribution.  The balance of a Participant’s Accounts shall be distributed to or with respect to the Participant only: (i) upon any date following Employment Termination, as elected by the Participant at least 12 months prior to such
      date following Employment Termination; (ii) upon any date before Employment Termination that is specified by the Participant at least 12 months prior to such date, in accordance with subparagraph (d) below; (iii) upon the Participant’s death;
      or (iv) as a result of an unforeseeable emergency in accordance with Section 6.5. Except as otherwise provided in this Article VI, the balance of a Participant’s Account shall be distributed as soon as administratively practicable following the
      occurrence of the

  

  applicable events described in this Section 6.3, but no later than the later of (i) December 31 of the year in which the amount is payable from the Plan and (ii) the 15th day of the third month following the date in which the amount is payable from the Plan.” 

  3. By substituting the following for Section 6.3(a) of the Plan:

       “(a) Nothwithstanding the Participant’s election, distribution of a Participant’s Accounts will begin no later than as soon as practicable after
the 10-year anniversary of the Participant’s Employment Termination, and distributions to a Participant will not begin sooner than 12 months following his or her election as to the form and timing of such distributions unless the
Participant’s Employment Termination is due to the Participant’s death.” 

  * * *

       IN WITNESS WHEREOF, the undersigned Committee member has executed this Plan amendment on behalf of the Committee, this ____ day of
June 2007. 

	 	SKY FINANCIAL GROUP, INC. 

      BENEFIT PLANS COMMITTEE
	 	 	 
	 	By:	 /s/ T.
        A. Sciorilli 
	 	 	

	 	A Member of the Committee
	 	 	 
	 	By:	 /s/
    W. Granger Souder 
	 	 	

	 	A Member of the Committee
	 	 	 
	 	By:	 /s/
    Kevin T. Thompson 
	 	 	

	 	A Member of the Committee

2

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