Document:

EXHIBIT 10.2
                      NON-QUALIFIED STOCK OPTION AGREEMENT

     Agreement made as of {Date}, between AMCORE Financial, Inc. (the "Company")
and [First Name] [Last Name], an employee of the Company (the "Optionee")
residing at [Address].

     Pursuant to the AMCORE Financial, Inc. 2005 Stock Award and Incentive Plan
(the "Plan"), the Committee has determined that the Optionee is to be granted,
on the terms and conditions set forth herein, an option (the "Option") to
purchase shares of the common stock of the Company, par value $.22 per share
(the "Stock") and hereby grants such Option. Capitalized terms used but not
otherwise defined herein shall have the meanings accorded them in the Plan.

     1. Number of Shares and Option Price. The Option is to purchase
[Options Granted] shares of Stock (the "Option Shares") at a price (the "Option
Price") of $xx.xx per share, which is not less than the fair market value of the
Option Shares as of the date hereof.

     2. Period of Option and Conditions of Exercise.

     (a) Period of Option. Unless the Option is previously terminated pursuant
to this Option Agreement, the term of the Option and of this Option Agreement
shall commence on the date hereof (the "Date of Grant") and terminate on {date}
at 5:00 p.m. Upon the termination of the Option, all rights of the Optionee
hereunder shall cease.

     (b) Conditions of Exercise. Subject to paragraphs 2(c) and 2(d) below, the
Option shall become exercisable pursuant to the following schedule: one-fourth
of the total number of Option Shares on the date twelve (12) months after the
date of its grant and with respect to an additional one-fourth of the total
number of Option Shares at the end of each twelve-month period thereafter during
the succeeding three (3) years. The Option may be exercised only to purchase
whole shares, and in no case may a fraction of a share be purchased. The right
of the Optionee to purchase shares with respect to which this Option has become
exercisable as herein provided may be exercised in whole or in part at any time
or from time to time, prior to 5:00 p.m. on {date}.

     (c) Change in Control. Subject to the terms of Section 12 of the Plan in
the event of a Change of Control of the Company (as defined in the Plan) during
the term of the Option, the Option immediately shall become fully exercisable.

     3. Rights Upon Termination of Employment.
-------------------------------------

     (a) Except as provided in this Section 3, the Option may not be exercised
after the holder thereof has ceased to be employed by the Company.

     (b) If the Optionee ceases to be employed by the Company or its
subsidiaries for cause, all options are immediately forfeited.

     (c) If the Optionee ceases to be employed by the Company or its
subsidiaries due to voluntary termination or involuntary termination without
cause, the Optionee or his or her legal representative may exercise the Option
at any time within the period ending on the date three months after such
cessation of employment to the extent that the Option was exercisable on the
date of his or her cessation of employment.

     (d) If the Optionee ceases to be employed by the Company or its
subsidiaries due to mandatory retirement at age 65, the Optionee or his or her
legal representative may exercise the Option at any time within the period
beginning on the date of his or her retirement until the stated term of the
Option. All unvested Options will continue to vest at their normal rate.

     (e) If the Optionee ceases to be employed by the Company or its
subsidiaries due to retirement meeting the Company's guidelines for normal
retirement, the Optionee or his or her legal representative may exercise the
Option at any time within the period, beginning on the date of his or her

<PAGE>

voluntary retirement and ending on the earlier of five years from the date of
such retirement by the Optionee or the expiration of the stated term of the
Option, whichever period is shorter.

     (f) If the Optionee ceases to be employed by the Company or its
subsidiaries by reason of death or Disability prior to the expiration of his or
her Option, the Optionee or his or her legal representative may exercise the
Option at any time within the period ending on the date one year after such
cessation of employment or the expiration of the stated term of the Option,
whichever period is shorter.

     (g) Notwithstanding anything to the contrary in this Section 3, the Option
shall not be exercisable later than 5:00 p.m. on {date}.

     4. Non-Transferability of Option. The Option and this Option Agreement
shall not be transferable otherwise than by will or by the laws of descent and
distribution, pursuant to a qualified domestic relations order or by such other
means as the Committee may approve from time to time; and the Option may be
exercised, during the lifetime of the Optionee, only by the Optionee or by his
or her legal representative.

     5. Stock Withholding.

     (a) When the Optionee is required to pay to the Company an amount required
to be withheld under applicable federal, state and/or local withholding tax laws
in connection with the exercise of stock options, the Optionee may satisfy this
obligation, in whole or in part, by:

          (i) electing to have the Company withhold shares of Common Stock
     otherwise issuable upon the exercise of such Option;

          (ii) electing to tender back shares of Stock acquired upon the
     exercise of such Options to the Company; or

          (iii) electing to surrender previously held shares of Stock which were
     not acquired pursuant to the exercise of such Options to the Company
     (collectively referred to as "Stock Withholding", an election to
     participate in Stock Withholding being referred to as an "Election").

The maximum number of shares of Stock which may be so withheld, tendered back,
or surrendered is that number of shares of Stock having a Fair Market Value
equal to the maximum federal, state and local withholding tax (calculated at the
supplemental income tax rates applicable at the time of exercise), attributable
to the particular Option exercise transaction.

     (b) Elections by the Optionee will be subject to the following
restrictions:

          (i) Elections by Optionees whose transactions in Stock are subject to
     Section 16(b) of the Exchange Act ("Insiders") are subject to the
     additional requirements imposed by paragraph 5(e) below;

          (ii) Optionees whose transactions in Stock are not subject to Section
     16(b) of the Exchange Act ("Non-Insiders") may elect only to have the
     Company withhold shares of Stock which would otherwise be issuable upon the
     exercise of an Option;

          (iii) Subject to paragraph 5(e) below, elections must be made in
     writing and delivered to the Secretary of the Company at its principal
     office on or prior to the first date that the amount of tax to be withheld
     can be determined (the "Tax Date"); and

          (iv) Elections will be subject to the disapproval of the Committee
     which may require that such taxes be paid in cash.

     (c) Elections by the Optionee will be revocable; provided, however, that
revocations must be made, in the case of Insiders, in one of the time periods in
which an Election must be made, as provided in paragraph 5(e) below.

<PAGE>

     (d) The Fair Market Value of the shares of stock to be withheld, tendered
back or surrendered shall be calculated pursuant to Section 2 of the Plan.
Fractional amounts will be paid in cash.

     (e) Elections by Insiders will be subject to the following additional
restrictions:

          (i) such Elections may not be made within six months of the grant of
     an option (except that this limitation will not apply in the event that
     death or Disability of the Optionee occurs prior to the expiration of the
     six-month period);

          (ii) such Elections must be made either (i) six months or more prior
     to the Tax Date or (ii) prior to the Tax Date in a ten-day "window period"
     beginning on the third day following the release of the Company's quarterly
     or annual summary statement of earnings;

          (iii) where the Tax Date of an Insider is the date of exercise of an
     Option (which will be the case if an election is made under Section 83(b)
     of the Code), such Insider may elect only to have the Company withhold
     shares of Stock which would otherwise be issuable upon the exercise of the
     Option. Such Insider may not, in the alternative, elect to tender shares of
     Stock acquired upon the exercise of the Option back to the Company or to
     surrender shares of Stock which were otherwise acquired to the Company; and

          (iv) where the Tax Date of an Insider is deferred until six months
     after the exercise of an Option (which will be the case if no election is
     made under Section 83(b) of the Code), and the Insider elects to
     participate in Stock Withholding, the full number of shares will be issued
     upon exercise of the Option, but such Insider will be unconditionally
     obligated to tender back to the Company the proper number of shares of
     Stock on the Tax Date or to surrender to the Company the proper number of
     previously held shares of Stock on the Tax Date.

     6. Exercise of Option. The Option shall be exercised in the following
manner: the Optionee, or the person(s) having the right to exercise the Option
upon the death or Disability of the Optionee, shall deliver to the Company
written notice, in substantially the form of the notice attached hereto,
specifying the number of Option Shares which he or she elects to purchase,
together with: (i) cash;

          (ii) a number of shares of the Stock having a fair market value (as of
     the date of exercise) equal to the price to be paid upon the exercise of
     the Option;

          (iii) Stock Withholding (as defined in paragraph 5 above); or

          (iv) any combination of cash, shares of Stock and Stock Withholding,
     the sum of which equals the total price to be paid upon the exercise of the
     Option.

Following receipt of the consideration, the Company shall deliver the option
shares to the Optionee.

     7. Notices. Any notice required or permitted under this Option Agreement
shall be deemed given when delivered personally, upon receipt by overnight
delivery, or when deposited in a United States Post Office, postage prepaid,
addressed, as appropriate, to the Optionee either at his address hereinabove set
forth or such other address as he or she may designate in writing to the
Company.

     8. Failure to Enforce Not a Waiver. The failure of the Company to enforce
at any time any provision of this Option Agreement shall in no way be construed
to be a waiver of such provision or of any other provision hereof.

     9. Incorporation of Plan. The Plan is hereby incorporated by reference and
made a part hereof, and the Option and this Option Agreement are subject to all
terms and conditions of the Plan. In the event of a conflict between this Option
Agreement and the Plan, the terms and conditions of the Plan shall govern.

     10. General Restrictions. This award of an Option shall be subject to the
requirement that, if at any time the Committee shall determine that (i) the

<PAGE>

listing, registration or qualification of the shares of Stock subject or related
thereto upon any securities exchange or under any state or federal law, or (ii)
the consent or approval of any government regulatory body, or (iii) an agreement
by the recipient of an award with respect to the disposition of Option Shares,
is necessary or desirable as a condition of, or in connection with, the granting
of such award or the issuance or purchase of Option Shares thereunder, such
award may not be consummated in whole or in part unless such listing,
registration, qualification, consent, approval or agreement shall have been
effected or obtained free of any conditions not acceptable to the Committee.

     11. Rights of a Stockholder. The Optionee shall have no rights as a
stockholder with respect to any Option Shares granted to him unless and until
certificates for Option Shares are issued to him.

     12. Rights to Terminate Employment. Nothing in the Plan or in this
Agreement shall confer upon the Optionee the right to continue in the employment
of the Company or affect any right which the Company may have to terminate the
employment of the Optionee.

     13. Withholding. Whenever the Company proposes or is required to issue or
transfer shares of Stock under the Plan, the Company shall have the right to
require the Optionee to remit to the Company an amount sufficient to satisfy any
federal, state and/or local withholding tax requirements prior to the delivery
of any certificate or certificates for such shares. Whenever under the Plan
payments are to be made in cash, such payments shall be net of an amount
sufficient to satisfy any federal, state and/or local withholding tax
requirements.

     14. Non Assignability. Pursuant to the terms of Section 19 of the Plan, no
award under the Plan shall be assignable or transferable by the Optionee except
by will or by the laws of descent and distribution or pursuant to a qualified
domestic relations order or by such other means as the Committee may approve
from time to time. During the life of the Optionee, such award shall be
exercisable only by such person or by such person's guardian or legal
representative.

     15. Amendment. The terms and conditions of the Plan and this Option
Agreement may be amended by the Company as provided in the Plan, including
without limitation, amendments necessary to comply with the requirements of
Section 16(b) of the Exchange Act.

     IN WITNESS WHEREOF, the parties hereto have executed this Option Agreement
as of the date and year set forth above.

                                              AMCORE Financial, Inc.

                                              By
                                                 ------------------------
                                                       James S. Waddell

                                              The undersigned hereby
                                              accepts and agrees to all
                                              the terms and provisions of
                                              the foregoing Option
                                              Agreement and to all the
                                              terms and provisions of the
                                              AMCORE Financial, Inc. 2005
                                              Stock Award and Incentive
                                              Plan herein incorporated by
                                              reference.

                                              ---------------------------
                                              OptioneeEXHIBIT 10.3

                             AMCORE FINANCIAL, INC.
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                            Performance Share Program
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                                                                Page

1. Purpose................................................        1

2. Definitions............................................        1

3. Determination of Performance Shares....................        3

4. Payment of Awards......................................        4

5. Termination of Employment..............................        5

6. Administration.........................................        5

7. General Provisions.....................................        6

<PAGE>

1.   PURPOSE

AMCORE Financial, Inc. (the "Company") has adopted this Performance Share
Program (the "Program") in order to strengthen the ability of the Company to
attract and retain talented executives and to promote the long-term growth and
profitability of the Company by linking a significant element of participating
employee's compensation opportunity to the performance of the Company over an
extended period of time.

This Program shall be administered pursuant to the terms and conditions of the
AMCORE Financial, Inc. 2005 Stock Award and Incentive Plan (the "SAIP"), and is
a "subplan" of the SAIP, as contemplated by Section 8(e) of the SAIP. All common
stock of the Company issued in connection with the Program shall be deemed to be
issued from shares authorized and reserved pursuant to the SAIP. Any term used
herein shall, in the absence of a specific definition, have the meaning assigned
to such term in the SAIP.

2.   DEFINITIONS

     (a) "Account" means the bookkeeping account established for the Participant
under Section 4(b).

     (b) "Award" means any grant of Common Stock in accordance with Section
4(a).

     (c) "Change in Control" shall have the meaning assigned to such term in the
SAIP.

     (d) "Committee" has the meaning given to it in the SAIP. To the extent the
Committee delegates authority pursuant to Section 6(a), references to the
Committee in the Program shall, as appropriate, be deemed to refer to the
Committee's delegate.

     (e) "Disability" means permanent and total disability as determined under
the Company's disability program or policy.

     (f) "Effective Date" means January 1, 2005, the effective date of this
Program.

     (g) "Participant" means an executive officer or other key employee of the
Company who is selected by the Committee to participate in this Program.

     (h) "Performance Cycle" means the period over which Performance Shares
designated in respect of the Performance Cycle potentially may be earned.
Performance Cycles will generally be three-year periods extending from January 1
of the initial year through December 31 of the third year in the Performance
Cycle. Performance Cycles generally will begin each year, and therefore will
overlap with one another. The three-year performance cycle beginning on January
1, 2005 shall be referred to herein as the 2005 - 2007 Performance Cycle.
Exhibit A illustrates the timing of the Performance Cycles under this Program. A
Performance Cycle shall be a period of no less than one year.

     (i) "Performance Goals" means the levels of achievement specified in the
table, grid or formula described in Section 3(a)(i)(d) herein.

     (j) "Performance Shares" means the shares of Stock, which a Participant may
earn hereunder.

     (k) "Pro Rata Portion" means, for any individual, a portion of a specified
number of Performance Shares relating to a given Performance Cycle determined by
multiplying such number of Performance Shares by a fraction, the numerator of
which is the number of calendar days in the Performance Cycle during which the
individual was a Participant in the Program and the denominator of which is the
number of calendar days in the Performance Cycle.

     (l) "Qualified Performance-based Compensation" has the meaning given such
term under Section 162(m) of the Code and the regulations promulgated
thereunder.

     (m) "Retirement" means a Participant's retirement at or after age 65 with
five years of service to the Company or retirement at or after age 55 with ten
years of service to the Company.

<PAGE>

     (n) "Stock" means the common stock of the Company; par value of $.22 per
share, or such other securities as may be substituted or resubstituted for Stock
pursuant to Section 3(b) hereof.

     (o) "Stock Unit" is a bookkeeping unit, which represents a right to receive
one share of Stock upon settlement, subject to the terms and conditions of this
Program. Stock Units are arbitrary accounting measures created and used solely
for purposes of this Program, and do not represent ownership rights in the
Company, shares of Stock, or any asset of the Company.

     (p) "Target Performance Shares" means a number of Performance Shares
designated as a target number that may be earned by a Participant in respect to
a given Performance Cycle.

     (q) "Termination of Employment" means the Participant's termination of
employment with the Company.

3.   DETERMINATION OF PERFORMANCE SHARES

(a)  Designation of Performance Shares and Related Terms.
     ---------------------------------------------------

     (i) Not later than 90 days after the beginning of a Performance Cycle, the
Committee shall: (a) select employees to participate in the Program for the
relevant Performance Cycle; (b) designate, for each such Participant, the Target
Performance Shares such Participant shall have the opportunity to earn in such
Performance Cycle; (c) specify the duration of the Performance Cycle; and (d)
specify a table, grid or formula that sets forth the number or percentage of
Target Performance Shares that will be earned corresponding to the Performance
Goals achieved for the three years ending on the last day of the Performance
Cycle. Exhibit B contains such a table for the 2005-2007 Performance Cycle. The
Committee may, in its discretion, adjust the number of Performance Shares earned
by a Participant after the completion of a Performance Cycle, notwithstanding
the achievement of a specified performance condition, by up to 25% of the total
number of Performance Shares deemed earned at the end of a Performance Cycle;
provided, however, that the maximum Performance Shares earned shall never exceed
200% of Target Performance Shares. The Committee may exercise this discretion in
light of other performance measures it deems relevant, including but not limited
to financial results of the Company during the relevant Performance Cycle
relative to the peer group of companies designated by the Committee for any
given Performance Cycle; provided, however, that the Committee may only exercise
such discretion to reduce, and not to increase, the number of Performance Shares
earned by a Participant unless such award was not intended to be Qualified
Performance-based Compensation. Threshold awards will be equal to 50% of Target
Performance Shares and maximum awards will be equal to 200% of Target
Performance Shares.

     (ii) The provisions of Section 3(a)(i) notwithstanding, at any time during
a Performance Cycle, the Committee may select a new employee or a newly promoted
employee who was not currently participating in the Performance Cycle to
participate in the Performance Cycle and designate the Target Performance Shares
for such Participant; provided, however, that such designation must be effective
before the date on which two-thirds (2/3) of the relevant Performance Cycle has
elapsed; and further provided that such individuals must be designated within
the first 90 days of such Performance Cycle if awards to such individuals are
intended to be Qualified Performance-based Compensation. In no event may such
Participant earn more than the Pro Rata Portion of the Performance Shares
otherwise capable of being earned with respect to such Performance Cycle.

     (iii) Not later than 120 days after the end of each Performance Cycle, the
Committee shall determine the extent to which the Performance Goals for the
earning of Performance Shares were achieved during such Performance Cycle and
the number of Performance Shares (or, the "Award") earned by each Participant
with respect to such Performance Cycle. The Committee shall certify in writing
as to whether the Performance Goals and any other material terms relating to the
earning of Performance Shares were in fact satisfied.

(b) Adjustment of and Changes in Stock. In the event of any change in the
outstanding shares of Stock by reason of any stock dividend or split,
recapitalization, merger, consolidation, spinoff, combination or exchange of
shares or other similar corporate transaction, or any distributions to common
shareholders other than regular cash dividends, the Committee may make such
substitution or adjustment, if any, as it deems to be equitable, as to the
number or kind of shares of Stock, Performance Shares, and/or other securities
issued, reserved or granted for any purpose under this Program.

<PAGE>

4.   PAYMENT OF AWARDS

(a) Performance Awards. Subject to the applicable provisions of Section 3, each
Participant shall be entitled to receive an Award of Stock in an amount equal to
the Performance Shares earned in respect of a Performance Cycle. Participants
shall be immediately vested in such Award as of the date it is awarded by the
Committee in accordance with Section 3(a)(iii).

(b) Accounts. The Committee shall maintain a bookkeeping Account for each
Participant reflecting the number of Performance Shares credited to the
Participant hereunder. The Account may include sub accounts or other
designations, as the Committee may deem appropriate.

(c) Payment of Account. Payment of an Account will be made in shares of Stock
promptly following the date on which Awards are made; provided, however, the
Committee may, whether at the time of grant or at any time thereafter prior to
payment or settlement, permit (subject to such conditions as the Committee may
from time to time establish) a Participant to elect to defer receipt of all or
any portion of any shares of Stock that would otherwise be due to such
Participant in payment or settlement of any Award under the Program; provided
further, that any such deferral shall be made in compliance with a plan designed
to comply with the requirements of Section 409A of the Code. No fractional
shares of Stock shall be issued under the Program. Awards of fractional shares
of Stock, if any, shall be settled in cash.

5.   TERMINATION OF EMPLOYMENT

(a)  Termination Prior to Completion of Performance Cycle.
     ----------------------------------------------------

     (i) Upon a Participant's Termination of Employment with the Company other
than due to death, Disability or Retirement prior to completion of a Performance
Cycle, in the absence of Committee discretion or a relevant employment or
severance agreement between the Company and a Participant that provides
otherwise, all unearned Performance Shares relating to such Performance Cycle
shall cease to continue to be earned and shall be cancelled, and the Participant
shall have no further rights or opportunities hereunder.

     (ii) If Termination of Employment is due to death, Disability or
Retirement, the Participant or his beneficiary shall be entitled to receive the
Pro Rata Portion of the Performance Shares earned at the conclusion of the
Performance Cycles in effect at the date of termination, at the time and to the
extent such Performance Shares would otherwise have been earned in accordance
with Section 4 if the individual's employment had not terminated until after the
close of the Performance Cycles. If the Participant has timely filed an
irrevocable election to defer settlement of Performance Shares following a
Termination of Employment in accordance with terms and conditions established by
the Committee, such earned Performance Shares shall be settled in accordance
with such deferral election; provided, however, that any such deferral shall be
made in compliance with a plan designed to comply with the requirements of
Section 409A of the Code.

(b) Change in Control. In the event of a Change in Control prior to the
conclusion of any Performance Cycle, in the absence of a relevant employment or
severance agreement between the Company and a Participant that provides
otherwise, the Participant shall be deemed to have earned and shall be entitled
to receive, in accordance with the applicable provisions of the Program, the Pro
Rata Portion of the Performance Shares relating to Performance Cycles in effect
as of the Change in Control, based on the greater of performance calculated
through the quarter ending immediately prior to the date of the Change in
Control (extrapolating the Performance Goals to such quarter then ending, as
determined by the Committee in its sole discretion) or the Target Performance
Shares.

6.   ADMINISTRATION

(a) Committee. The Committee shall have full discretion to interpret and
administer the Program, and its decision in any matter involving the
interpretation and application of this Program shall be final and binding on all

<PAGE>

parties. Except to the extent prohibited by applicable law or the applicable
rules of a stock exchange, the Committee may allocate all or any portion of its
responsibilities and powers to any one or more of its members, may delegate all
or any part of its responsibilities and powers for administering the Program to
one or more persons as the Committee deems appropriate, and, at any time revoke
the allocation or delegation; provided, however, the Committee may not delegate
its responsibilities under the Program relating to any Covered Employee to the
extent that such Covered Employee's Award is intended to be Qualified
Performance-based Compensation if such delegation would be prohibited under
Section 162(m) of the Code.

(b) Amendment and Termination. The Board reserves the right to amend, modify,
suspend or terminate this Program in whole or in part at any time, so long as
such action is consistent with the provisions of the SAIP.

7.   GENERAL PROVISIONS

(a) Payments to Minors and Incompetents; Death. If any Participant, spouse or
beneficiary entitled to receive any benefits hereunder is a minor or is deemed
by the Committee or is adjudged to be legally incapable of giving valid receipt
and discharge for such benefits, they will be paid to such person or institution
as the Committee may designate or to the duly appointed guardian. Such payment
shall, to the extent made, be deemed a complete discharge of any such payment
under the Program. In the event of a Participant's death prior to payment of any
Award to which Participant is otherwise entitled, payment shall be made to the
Participant's then-effective beneficiary or beneficiaries in accordance with the
beneficiary designation on file with the Company. If no such designation is in
effect, payments will be made to the Participant's estate.

(b) No Contract. This Program shall not be deemed a contract of employment with
any Participant, nor shall any provision hereof affect the right of the Company
to terminate a Participant's employment.

(c) Non-Alienation of Benefits. No amount payable to, or held under the Program
for the account of, any Participant, spouse or beneficiary shall be subject in
any manner to anticipation, alienation, sale, transfer, assignment, pledge,
encumbrance, or charge, and any attempt to so anticipate, alienate, sell,
transfer, assign, pledge, encumber, or charge the same shall be void; nor shall
any amount payable to, or held under the Program for the account of, any
Participant be in any manner liable for such Participant's debts, contracts,
liabilities, engagements, or torts, or be subject to any legal process to levy
upon or attach.

(d) Income Tax Withholding. As a condition to the delivery of any shares of
Stock or other amounts hereunder, the Committee may require that the
Participant, at the time of such payment of shares, pay to the Company an amount
to satisfy any applicable tax withholding obligation as the Committee shall
determine from time to time, or the Committee may take such other action as it
may deem necessary to satisfy any such withholding obligations. The Committee,
in its sole discretion, may permit or require a Participant to satisfy all or a
part of the tax withholding obligations incident to the payment of shares by
having the Company withhold a portion of the shares that would otherwise be
issuable to the Participant equal to the minimum amount of tax required to be
withheld. Such shares shall be valued based on their Fair Market Value (as
defined in the SAIP) on the date the tax withholding is required to be made. Any
such share withholding with respect to a Participant subject to Section 16(a) of
the Exchange Act shall be subject to such limitations as the Committee may
impose to comply with the requirements of Section 16 of the Exchange Act.

(e) Governing Law. The provisions of the Program shall be interpreted,
construed, and administered in accordance with the referenced provisions of the
Code and with the laws of the State of Nevada.

(f) Captions. The captions contained in the Program are inserted only as a
matter of convenience and for reference and in no way define, limit, enlarge, or
describe the scope or intent of the Program, nor in any way affect the
construction of any provision of the Program.

 (g) Severability; Entire Agreement. If any of the provisions of this Program or
any award document is finally held to be invalid, illegal or unenforceable
(whether in whole or in part), such provision shall be deemed modified to the
extent, but only to the extent, of such invalidity, illegality or
unenforceability, and the remaining provisions shall not be affected thereby;
provided, that, if any of such provisions is finally held to be invalid,
illegal, or unenforceable because it exceeds the maximum scope determined to be
acceptable to permit such provision to be enforceable, such provision shall be
deemed to be modified to the minimum extent necessary to modify such scope in

<PAGE>

order to make such provision enforceable hereunder. The Program, the SAIP and
any award documents contain the entire agreement of the parties with respect to
the subject matter thereof and, unless specified otherwise, supersede all prior
agreements, promises, covenants, arrangements, communications, representations
and warranties between them, whether written or oral, with respect to the
subject matter thereof.

(h) Nonexclusivity of the Program. This Program shall not be construed as
creating any limitations on the power of the Board or a committee thereof to
adopt such other incentive arrangements, apart from the Program, as it may deem
desirable.

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