Document:

EXHIBIT 4.3

UNLESS THIS  CERTIFICATE  IS PRESENTED BY AN  AUTHORIZED  REPRESENTATIVE  OF THE
DEPOSITORY TRUST COMPANY (55 WATER STREET,  NEW YORK, NEW YORK) (THE DEPOSITORY)
TO PSEG ENERGY  HOLDINGS  INC. (THE  COMPANY) OR ITS AGENT FOR  REGISTRATION  OF
TRANSFER,  EXCHANGE OR PAYMENT, AND SUCH CERTIFICATE ISSUED IS REGISTERED IN THE
NAME  OF  CEDE  &  CO.,  OR  SUCH  OTHER  NAME  AS  REQUESTED  BY AN  AUTHORIZED
REPRESENTATIVE OF THE DEPOSITORY,  ANY TRANSFER,  PLEDGE OR OTHER USE HEREOF FOR
VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL,  SINCE THE REGISTERED  OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.

UNLESS AND UNTIL THIS  CERTIFICATE IS EXCHANGED IN WHOLE OR IN PART FOR NOTES IN
CERTIFICATED  FORM, THIS CERTIFICATE MAY NOT BE TRANSFERRED EXCEPT AS A WHOLE BY
THE DEPOSITORY TO A NOMINEE THEREOF OR BY A NOMINEE THEREOF TO THE DEPOSITORY OR
ANOTHER  NOMINEE OF THE DEPOSITORY OR BY THE DEPOSITORY OR ANY SUCH NOMINEE TO A
SUCCESSOR OF THE DEPOSITORY OR A NOMINEE OF SUCH SUCCESSOR.

<PAGE>

CUSIP NO.                                                          $550,000,000
No. R-1

                            PSEG ENERGY HOLDINGS INC.
                           8.50% Senior Note due 2011

PSEG ENERGY HOLDINGS INC., a New Jersey  corporation  (herein referred to as the
Company,  which term  includes any  successor  corporation  under the  Indenture
hereinafter  referred to), for value received,  hereby promises to pay to Cede &
Co., or registered  assigns,  the principal sum of $550,000,000 on June 15, 2011
(the Stated  Maturity  Date),  unless redeemed or repurchased in accordance with
the  provisions of this Note, and to pay interest on the  outstanding  principal
amount of this Note from June 15, 2001,  semi-annually in arrears on June 15 and
December  15 in each year,  commencing  December  15,  2001  (each,  an Interest
Payment  Date) at 8.50% per annum  until  the  principal  hereof is paid or duly
provided  for.  Interest  payable on each  Interest  Payment  Date will  include
interest  accrued from and including July 5, 2001 or from and including the most
recent  Interest  Payment Date to which  interest has been paid or duly provided
for, as the case may be, to but excluding such Interest  Payment Date.  Interest
will be computed based on a 360-day year consisting of 12 30-day months.

The  interest so  payable,  and  punctually  paid or duly  provided  for, on any
Interest Payment Date will, except as provided below, be paid to the person (the
Holder) in whose name this Note (or one or more Predecessor Notes) is registered
at the close of business on the June 1 and December 1 (whether or not a Business
Day (as defined  below)) next  preceding  such Interest  Payment Date (a Regular
Record  Date).  Any such  interest not so  punctually  paid or duly provided for
(Defaulted  Interest) will  forthwith  cease to be payable to the Holder on such
Regular Record Date and may either be paid to the person in whose name this Note
(or one or more  Predecessor  Notes) is registered at the close of business on a
special  record date (the Special Record Date) for the payment of such Defaulted
Interest to be fixed by the Trustee  hereinafter  referred  to,  notice  whereof
shall be given to the  Holder of this Note not less than ten days  prior to such
Special Record Date, or may be paid at any time in any other lawful manner,  all
as more fully provided in the Indenture.

For purposes of this Note, Business Day means each Monday,  Tuesday,  Wednesday,
Thursday and Friday which is not a day on which banking  institutions  in Newark
New  Jersey  and The City of New  York are  authorized  or  obligated  by law or
executive order to close.

Payment of the principal of and any premium on this Note on the Stated  Maturity
Date  or  date  of  earlier  redemption  or  repurchase  will  be  made  against
presentation of this Note at the office or agency of the Company  maintained for
that purpose in the Borough of Manhattan,  The City of New York, in such coin or
currency  of the  United  States of  America  as at the time of payment is legal
tender for the payment of public and private debts.

Payments of  principal,  premium,  if any,  and interest in respect of this Note
will be made in such coin or currency of the United  States of America as at the
time of payment is legal  tender for the payment of pubic and private  debts (i)
in the  case of  payments  on the  Stated  Maturity  Date  or  date  of  earlier
redemption or repurchase, in immediately available funds and (ii) in the case of
payments on an Interest  Payment  Date,  at the option of the Company,  by check
mailed to the Holder entitled thereto at the applicable address appearing in the
Security  Register or by transfer of immediately  available  funds to an account
maintained  by the payee with a bank  located in the United  States of  America;
provided,  however,  that  so long as Cede & Co.  is the  Holder  of this  Note,
payments of interest on an  Interest  Payment  Date will be made in  immediately
available funds.

Any payment of principal,  premium or interest required to be made on a day that
is not a Business  Day need not be made on such day, but may be made on the next
succeeding  Business  Day with the same  force and effect as if made on such day
and no interest shall accrue as a result of such delayed payment.

General.  This Note is one of a duly authorized issue of debt securities (herein
called the  Securities)  of the Company,  issued and to be issued in one or more
series under an indenture, dated as of October 8, 1999, as it may be modified or
supplemented  from time to time  (herein  called  the  Indenture),  between  the
Company and First Union  National  Bank, as Trustee  (herein called the Trustee,
which term includes any successor  trustee under the Indenture with respect to a
series of which  this Note is a part),  to which  indenture  and all  indentures
supplemental thereto, reference

                                       2
<PAGE>

is hereby made for a statement of the respective  rights,  limitations
of rights,  duties and immunities thereunder of the Company, the Trustee and the
Holders of the Notes,  and of the terms upon which the Notes are, and are to be,
authenticated  and delivered.  This Note is one of a duly  authorized  series of
Notes designated as 8.50% Senior Notes due 2011 (collectively, the Notes), which
such  series is  limited,  subject to the  provisions  of the  Indenture,  to an
aggregate principal amount equal to $550,000,000.

Events of Default.  If an Event of Default  with respect to the Notes shall have
occurred and be  continuing,  the principal of the Notes may be declared due and
payable in the manner and with the effect provided in the Indenture.

Redemption.  This Note will be redeemable at the option of the Company, in whole
or in part at any  time,  on at least 30 days  but not more  than 60 days  prior
written notice mailed to the Holder hereof,  at a price the  (Redemption  Price)
equal to the greater of (i) 100% of the  principal  amount to be  redeemed,  and
(ii) the sum, as determined by the Quotation  Agent (as defined  below),  of the
present  values  of the  principal  amount  to be  redeemed  and  the  remaining
scheduled  payments  of  interest  thereon  from  the  date of  redemption  (the
Redemption Date) to June 15, 2011, (the Remaining  Life),  discounted from their
respective  payment dates to the Redemption Date on a semiannual basis (assuming
a 360-day year  consisting  of twelve  30-day  months) at the Treasury  Rate (as
defined  below) plus 40 basis  points,  plus, in either case,  accrued  interest
thereon to the Redemption Date.

If money  sufficient to pay the Redemption  Price of and accrued interest on all
of this  Note  (or  portion  hereof)  to be  redeemed  on a  Redemption  Date is
deposited with the Trustee or a Paying Agent on or before such  Redemption  Date
and certain other  conditions are satisfied,  then on and after such  Redemption
Date, interest will cease to accrue on this Note (or such portion hereof) called
for redemption.

This Note will not be  entitled to the benefit of, or be subject to, any sinking
fund.

Option to Elect  Repayment Upon Certain Events  Involving PSEG Resources Inc. If
(1) the  Company  shall no longer own 100% of the equity  ownership  interest in
PSEG Resources Inc. (herein referred to as Resources),  or (ii)(a) a transaction
or series of related transactions  involving Resources (a Resources Transaction)
causes the assets of Resources  immediately after such Resources  Transaction to
be at least 20% less  than the  assets of  Resources  immediately  prior to such
Resources  Transaction  (as  measured  from  the  end of the  month  immediately
preceding the Resources  Transaction (or, in the case of a Resources Transaction
involving a series of transactions, the month immediately preceding the first of
such  transactions))  and (b) as a direct result of such Resources  Transaction,
either of Standard & Poor's  Ratings Group or Moody's  Investors  Service,  Inc.
shall downgrade its respective  rating of the Company below BBB- or Baa3(or,  if
either of such ratings immediately  preceding the Resources Transaction is lower
than BBB- or Baa3,  respectively,  such rating shall as a direct  result of such
Resources  Transaction be  downgraded),  then the Holder of this Note shall,  in
accordance  with  the  provisions  hereof  and  subject  to  Article  13 of  the
Indenture,  have the right to require the Company to  repurchase  this Note,  in
whole  or in part,  at a price  (the  Resources  Repayment  Price)  equal to the
greater of (i) 100% of the principal amount to be repurchased, and (ii) the sum,
as  determined by the Quotation  Agent,  of the present  values of the principal
amount to be  repurchased  and the  remaining  scheduled  payments  of  interest
thereon from the date of repayment  (the Resources  Repayment  Date) to June 15,
2011,  discounted from their respective payment dates to the Resources Repayment
Date on a semi-annual basis (assuming a 360-day year consisting of twelve 30-day
months) at the  Treasury  Rate,  plus 40 basis  points,  plus,  in either  case,
accrued interest thereon to the Resources Repayment Date.

                                       3
<PAGE>

Within 30 days  following  any Resources  Transaction,  the Company shall mail a
notice to the Holder of this Note (with a copy to the Trustee) stating:

1. that a Resources  Transaction  has occurred and that the Holder has the right
to require  the Company to  repurchase  this Note,  in whole or in part,  at the
Resources Repayment Price in cash (the Resources Offer);

2. the  circumstances  and relevant facts  regarding such Resources  Transaction
(including   information  with  respect  to  balance  sheet  data  of  Resources
immediately  following the Resources  Transaction  and in the month  immediately
preceding the Resources Transaction);

3. the Repayment  Date (which shall be a Business Day and be not earlier than 45
days nor later than 60 days from the date of the  delivery of such notice to the
depository);

4. that any portion of this Note not tendered  for  repayment  will  continue to
accrue interest;

5. that  interest  on this  Note (or  portion  hereof)  tendered  for  repayment
pursuant to the  Resources  Offer shall cease to accrue  after  repayment on the
Resources Repayment Date;

6. that if the Holder of this Note elects to have Notes repurchased  pursuant to
a Resources Offer, such Holder will be required to surrender this Note, with the
form  entitled  Option to Elect  Repayment  attached  hereto  completed,  to the
Trustee at the address  specified in the notice not earlier than 45 days and not
later than 30 days prior to the Resources Repayment Date;

7. that the Holder will be entitled to withdraw its election if the Paying Agent
receives,  not later than the close of  business on the third  Business  Day (or
such  shorter  period  as may be  required  by  applicable  law)  preceding  the
Resources Repayment Date, a telegram,  telex,  facsimile  transmission or letter
setting forth the name of the Holder,  the principal  amount of Notes the Holder
delivered for repayment,  and a statement  that such Holder is  withdrawing  its
election to have such Notes repurchased; and

8.  that the  Holder  of this Note  electing  only a portion  of this Note to be
repurchased  will be issued new Notes in a principal amount equal to the portion
of this Note not subject to such election.

In addition to the  foregoing,  the Company shall also deliver to The Depository
Trust Company within the time periods  specified above, for retransmittal to its
participants,  a notice  substantially  to the effect  specified  in clauses (1)
through  (5) and (7)  above,  which  notice  shall  also  specify  the  required
procedures  (furnished by The Depository Trust Company) for owners of beneficial
interests in this Global Security to tender and receive payment of the Resources
Repayment  Price for such interests  (including The Depository  Trust  Company's
Repayment Option Procedures,  to the extent applicable),  all in accordance with
The Depository Trust Company's rules, regulations and practices.

On the  Resources  Repayment  Date,  the Company  shall deposit with the Trustee
money sufficient  without  reinvestment to pay the Resources  Repayment Price of
this Note (or portion  hereof) to be  repurchased.  The Trustee shall as soon as
practicable  promptly mail to the Holder of this Note payment in an amount equal
to the Resources  Repayment  Price and as soon as practicable  authenticate  and
mail to such  Holder a new Note in a  principal  amount  equal to any portion of
this Note not repurchased.

Option to Elect Repayment Upon a Change of Control.  In the event of a Change of
Control  (as defined in the  Indenture),  the Holder of this Note shall have the
right to require the Company to  repurchase  this Note,  in whole or in part, at
101% of the principal amount thereof

plus accrued  interest to the Repayment  Date in accordance  with the procedures
set forth in the Indenture.

The Company  shall comply with Rule 14e-1 under the  Securities  Act of 1934, as
amended (the Exchange Act), and any other applicable laws and regulations in the
event that a Resources Transaction or Change of Control occurs.

                                       4
<PAGE>

                               Certain Definitions

Comparable  Treasury Issue means the United States Treasury security selected by
the Quotation  Agent as having a maturity  comparable to the Remaining Life that
would be utilized,  at the time of selection  and in accordance  with  customary
financial  practice,  in pricing  new issues of  corporate  debt  securities  of
comparable  maturity  with the  Remaining  Life of the Notes to be  redeemed  or
repurchased, as the case may be.

Comparable  Treasury  Price  means,  with  respect to any  Redemption  Date or a
Repayment Date, the average of four Reference Treasury Dealer Quotations,  after
excluding the highest and lowest of such Reference  Treasury Dealer  Quotations,
or, if the  Trustee  obtains  fewer  than four such  Reference  Treasury  Dealer
Quotations, the average of all such quotations.

Quotation Agent means the Reference  Treasury  Dealer  appointed by the Company.
Reference  Treasury  Dealer means:  (i) lehman  brothers inc. And its respective
successors; provided, however, that if the foregoing shall cease to be a primary
United States Government  securities dealer in New York City (a Primary Treasury
Dealer), the Company shall substitute therefore another Primary Treasury Dealer;
and (ii) any other Primary Treasury Dealer selected by the Company.

Reference  Treasury  Dealer  Quotations  means,  with respect to each  Reference
Treasury  Dealer and any  Redemption  Date or Repayment  Date,  the average,  as
determined  by the  Trustee,  of the bid and  asked  prices  for the  Comparable
Treasury Issue (expressed in each case as a percentage of its principal  amount)
quoted in writing to the Trustee by such Reference Treasury Dealer at 5:00 p.m.,
New York City time, on the third Business Day preceding such  Redemption Date or
Repayment Date, as the case may be.

Treasury Rate means,  with respect to any Redemption Date or Repayment Date, the
rate per annum equal to the  semi-annual  yield to  maturity  of the  Comparable
Treasury  Issue,  calculated on the third Business Day preceding such Redemption
Date or Repayment  Date,  as the case may be,  using a price for the  Comparable
Treasury Issue (expressed as a percentage of its principal  amount) equal to the
Comparable  Treasury Price for such  Redemption  Date or Repayment  Date, as the
case may be.

Reports Upon Request of Holders. During any Registration Default Period (as such
term is  defined  in the  Exchange  and  Registration  Rights  Agreement,  dated
February 10,  2000,  between the Company and Lehman  Brothers  Inc.) the Company
will make available to the Holder of this Note,  upon request,  copies of annual
reports and of the information,  documents, and other reports (Periodic Reports)
that the  Company  would  have been  required  to file with the  Securities  and
Exchange  Commission  (the SEC)  pursuant to Section 13 or Section  15(d) of the
Exchange  Act if the Company was subject to the  reporting  obligations  of such
Sections.  The Company shall make such Periodic Reports  available to the Holder
of this Note within the respective time periods mandated by the Exchange Act for
the filing of such Periodic  Reports with the SEC for issuers subject to Section
13 or 15(d) of the Exchange Act.

Modification  and Waivers;  Obligations of the Company  Absolute.  The Indenture
permits, with certain exceptions as therein provided,  the amendment thereof and
the  modification of the rights and obligations of the Company and the rights of
the Holders of the  Securities  of each series.  Such  amendment may be effected
under the  Indenture at any time by the Company and the Trustee with the consent
of the Holders of a majority in  aggregate  principal  amount of all  Securities
issued under the Indenture at the time  Outstanding  and affected  thereby.  The
Indenture  also  contains  provisions  permitting  the  Holders of a majority in
aggregate principal amount of the Securities at the time Outstanding,  on behalf
of the Holders of all Outstanding Securities, to waive compliance by the Company
with  certain  provisions  of  the  Indenture.  Furthermore,  provisions  in the
Indenture permit the Holders of a majority in aggregate  principal amount of the
Outstanding  Securities of an individual  series,  to waive, on behalf of all of
the Holders of Securities of such individual series, certain past defaults under
the  Indenture  and their  consequences.  Any such  consent  or waiver  shall be
conclusive  and binding upon the Holder of this Note and upon all future Holders
of this Note and of any Note issued upon the  registration of transfer hereof or
in exchange hereof or in lieu hereof, whether or not notation of such consent or
waiver is made upon this Note.

                                       5
<PAGE>

No  reference  herein to the  Indenture  and no provision of this Note or of the
Indenture shall alter or impair the obligation of the Company, which is absolute
and unconditional, to pay the principal of (and premium, if any) and interest on
this  Note at the  times,  place and rate,  and in the coin or  currency  herein
prescribed.

Defeasance  and Covenant  Defeasance.  The  Indenture  contains  provisions  for
defeasance  at any time of (a) the entire  indebtedness  of the  Company on this
Note and (b) certain  restrictive  covenants and the related defaults and Events
of Default,  upon  compliance by the Company with certain  conditions  set forth
therein, which provisions apply to this Note.

Authorized Denominations. The Notes are issuable only in registered form without
coupons in denominations of $1,000 and integral multiples thereof.

Registration  of Transfer or Exchange.  As provided in the Indenture and subject
to certain  limitations  herein and therein set forth, the transfer of this Note
is  registrable  in the  Security  Register  upon  surrender  of this  Note  for
registration  of  transfer  at the office or agency of the  Company in any place
where the  principal  of (and  premium,  if any) and  interest  on this Note are
payable, duly endorsed by, or accompanied by a written instrument of transfer in
form  satisfactory  to the Company and the Security  Registrar duly executed by,
the Holder hereof or his attorney duly authorized in writing,  and thereupon one
or more new  Notes,  of  authorized  denominations  and for the  same  aggregate
principal amount, will be issued to the designated transferee or transferees.

As  provided in the  Indenture  and  subject to certain  limitations  herein and
therein set forth,  the Notes are  exchangeable  for a like aggregate  principal
amount of Notes of  different  authorized  denominations,  as  requested  by the
Holders surrendering the same.

This Note is a Global  Security.  If The Depository Trust Company is at any time
unwilling,  unable or  ineligible  to  continue  as  depository  and a successor
depository is not appointed by the Company within 90 days or an Event of Default
under the Indenture has occurred and is continuing, the Company will issue Notes
in  certificated  form in exchange for this Global  Security.  In addition,  the
Company may at any time determine not to have  Securities  represented by one or
more Global Securities and, in such event, will issue Notes in certificated form
in exchange in whole for this Global Security. In any such instance, an owner of
a  beneficial  interest  in this  Global  Security  will be entitled to physical
delivery  in  certificated  form of Notes  equal  in  principal  amount  to such
beneficial  interest  and to have such Notes  registered  in its name.  Notes so
issued  in  certificated  form will be issued  in  denominations  of $1,000  and
integral  multiples thereof and will be issued in registered form only,  without
coupons.

No  service  charge  shall be made  for any such  registration  of  transfer  or
exchange,  but the Company may require  payment of a sum sufficient to cover any
tax or other governmental charge payable in connection therewith.

Prior to due presentment of this Note for registration of transfer, the Company,
the  Trustee and any agent of the Company or the Trustee may treat the Holder of
this Note as the owner  hereof  for all  purposes,  whether  or not this Note be
overdue,  and  neither  the  Company,  the  Trustee  nor any such agent shall be
affected by notice to the contrary.

Defined  Terms.  All terms used in this Note which are defined in the  Indenture
and are not otherwise defined herein shall have the meanings assigned to them in
the Indenture.

Governing  Law. This Note shall be governed by and construed in accordance  with
the law of the State of New Jersey.  Unless the  certificate  of  authentication
hereon has been executed by the Trustee by manual signature, this Note shall not
be entitled to any benefit under the Indenture or be valid or obligatory for any
purpose.

                                       6
<PAGE>

IN WITNESS  WHEREOF,  the Company has caused this instrument to be duly executed
under its facsimile corporate seal.

      Dated:                                          PSEG ENERGY HOLDINGS INC.

      BY: ____________________________
      President

      ATTEST: ________________________
      Secretary

      TRUSTEE'S CERTIFICATE OF AUTHENTICATION

      This is one of the Securities of the series designated therein referred to
      in the within-mentioned Indenture.

                                            FIRST UNION NATIONAL BANK,
                                                    as Trustee

                                         BY: ____________________________
                                               Authorized Signatory

                                       7
<PAGE>

                                 ASSIGNMENT FORM

To assign this Security, fill in the form below:
I or we assign and transfer this Security to

                  (Insert assignee's soc. sec. or tax I.D. No.)

       ___________________________________________________________________

              (Print or type assignee's name, address and zip code)

       ___________________________________________________________________

and irrevocably appoint  ______________________  agent to transfer this Security
on the books of the Company. The agent may substitute another to act for him.

Dated: ____________________________        Signed: _____________________________

                           ___________________________
                           (Sign exactly as your name
                           appears on the other side of
                           this Security)

Signature Guarantee: ___________________________________________________________

                                       8
<PAGE>

                         OPTION TO ELECT REPAYMENT FORM

If you wish to elect to have this Note  repurchased by the Company upon a Change
of Control, check this box: [ ]

If you wish to elect to have only part of this Note  repurchased  by the Company
upon a Change of Control, state the amount: $___________________________________

If you  wish to  elect to have  this  Note  repurchased  by the  Company  upon a
Resources Transaction, check this box: [ ]

If you wish to elect to have only part of this Note  repurchased  by the Company
upon a Resources Transaction, state the amount: $_______________________________

   Dated:                        Signed:
          ----------------------          --------------------------------------
                                          (Sign exactly as your name appears on
                                           the other side of this Security)

Signature Guarantee: ___________________________________________________________

                                       9<PAGE>   1
                                                              Regional Prototype
                                                                Cash or Deferred
                                                             Profit-Sharing Plan
                                                                            #012

                                                                     Exhibit 4.1

                                 NONSTANDARDIZED

                               ADOPTION AGREEMENT

                                    REGIONAL
                    PROTOTYPE CASH OR DEFERRED PROFIT-SHARING
                                 PLAN AND TRUST

                                  Sponsored by

                         MANCHESTER BENEFITS GROUP, LTD

The Employer named below hereby establishes a Cash or Deferred Profit-Sharing
Plan for eligible Employees as provided in this Adoption Agreement and the
accompanying Regional Prototype Plan and Trust Basic Plan Document #R1.

1.      EMPLOYER INFORMATION

        NOTE:      If multiple Employers are adopting the Plan, complete this
                   section based on the lead Employer. Additional Employers may
                   adopt this Plan by attaching executed signature pages to the
                   back of the Employer's Adoption Agreement.

        (a)      NAME AND ADDRESS:

                         Safeguard Scientifics, Inc.
                         800 The Safeguard Building
                         435 Devon Park Drive
                         Wayne, PA  19087-1945

        (b)      TELEPHONE NUMBER:         610-293-0600

        (c)      TAX ID NUMBER:            23-1609753

        (d)      FORM OF BUSINESS:

                 [ ]     (i)      Sole Proprietor

                 [ ]     (ii)     Partnership

                 [x]     (iii)    Corporation

                 [ ]     (iv)     "S" Corporation (formerly known as Subchapter
                                   S)

                 [ ]     (v)      Other:

                                       10

<PAGE>   2
                                                              Regional Prototype
                                                                Cash or Deferred
                                                             Profit-Sharing Plan
                                                                            #012

        (e)      NAME(S) OF INDIVIDUAL(S) AUTHORIZED TO ISSUE
                 INSTRUCTIONS TO THE TRUSTEE/CUSTODIAN:

                 Thomas E. Fleming and/or Dorinda K. Culp and/or Janet L.
                 Hoffman

        (f)      NAME OF PLAN:     Safeguard Scientifics, Inc. Retirement Plan

        (g)      THREE DIGIT PLAN NUMBER
                 FOR ANNUAL RETURN/REPORT:      030

2.      EFFECTIVE DATE

                 (a)     This is a new Plan having an effective date of ______.

                 (b)     This is an amended Plan.

                         The effective date of the original Plan was January 1,
                         1981.

                         The effective date of the amended Plan is December 1,
                         2000.

                 (c)     If different from above, the Effective Date for the
                         Plan's Elective Deferral provisions shall be ________.

3.      DEFINITIONS

        (a)      "Collective or Commingled Funds"

                 [x]              (i)      Not Applicable - Non-Institutional
                                           Trustee.

                 [ ]              (ii)     Investment in collective or
                                  commingled funds as permitted at paragraph
                                  13.3(b) of the Basic Plan Document #R1 shall
                                  only be made to the following specifically
                                  named fund(s):

                                                 _______________

                                                 _______________

                                                 _______________

                 Funds made available after the execution of this Adoption
                 Agreement will be listed on schedules attached to the end of
                 this Adoption Agreement.

        (b)      "Compensation" [paragraph 1.12]

                                  (i)      Compensation Measurement Period -
                         Compensation shall be determined on the basis of the:

                         [x]      (1)      Plan Year.

                         [ ]      (2)      Employer's Taxable Year.

                         [ ]      (3)      Calendar Year.

                                       11
<PAGE>   3
                                                              Regional Prototype
                                                                Cash or Deferred
                                                             Profit-Sharing Plan
                                                                            #012

                                           Compensation shall be determined on
                         the basis of the following safe-harbor definition of
                         Compensation in IRS Regulation Section 1.414(s)-1(c):

                                                   [ ]     (4)      Code Section
                                           6041 and 6051 Compensation,

                                                   [ ]     (5)      Code Section
                                           3401(a) Compensation, or

                                                   [x]     (6)      Code Section
                                           415 Compensation.

                         (ii)     Application of Salary Savings Agreements:

                                  Compensation shall exclude Employer
                 contributions made pursuant to a Salary Savings Agreement
                 under:

                                                   [ ]     (1)      Not
                                           applicable, no such agreement exists.

                                                   [x]     (2)      Not
                                           applicable, no Employer contributions
                                           made pursuant to a Salary Savings
                                           Agreement shall be excluded.

                                                   [ ]     (3)      A Cash or
                                           Deferred Profit-Sharing Plan under
                                           Code Section 401(k) or Simplified
                                           Employee Pension under Code Section
                                           402(h)(1)(B).

                                                   [ ]     (4)      A flexible
                                           benefit plan under Code Section 125.

                                                   [ ]     (5)      A tax
                                           deferred annuity under Code Section
                                           403(b).

        (iii)    Exclusions From Compensation:

                                             (1)   overtime.

                                             (2)   bonuses.

                                             (3)   commissions.

                                             (4)   Foreign service premiums,
                         differentials or allowances (other than shift
                         differentials), relocation payments, tuition payments,
                         patent awards, or any other non-basic form of current
                         compensation.

<TABLE>
<CAPTION>
 Type of Contribution(s)                                      Exclusion(s)
 -----------------------                                      ------------

<S>                                                         <C>
 Elective Deferrals [Section 7(b)]                            __________

 Matching Contributions [Section 7(c)]                        __________
</TABLE>

                                       12
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<TABLE>
<S>                                                                                                                             <C>
                         Qualified Non-Elective Contributions [Section 7(d)]
                         and Non-Elective Contributions [Section 7(e)]           1,2,3,4
                                                                                ---------
</TABLE>

                                  (iv)     Maximum Compensation

                                           For purposes of the Plan,
                         Compensation shall be limited to $ ______, the maximum
                         amount which will be considered for Plan purposes. [If
                         an amount is specified, it will limit the amount of
                         contributions allowed on behalf of higher compensated
                         Employees. Completion of this section is not intended
                         to coordinate with the $200,000 limit of Code Section
                         415(d), thus the amount should be less than the
                         $200,000 limit as adjusted for cost-of-living
                         increases.]

        (c)      "Entry Date" [paragraph 1.30]

                                  (i)      The first day of the Plan Year during
                         which an Employee meets the eligibility requirements.

                                  (ii)     The first day of the Plan Year
                         nearest the date on which an Employee meets the
                         eligibility requirements.

                                  (iii)    The earlier of the first day of the
                         Plan Year or the first day of the seventh month of the
                         Plan Year coinciding with or following the date on
                         which an Employee meets the eligibility requirements.

                                  (iv)     The first day of the Plan Year
                         following the date on which the Employee meets the
                         eligibility requirements. If this election is made, the
                         Service requirement at 4(a)(ii) may not exceed 1/2 year
                         and the age requirement at 4(b)(ii) may not exceed
                         20 1/2.

                                  (v)      The first day of the month coinciding
                         with or following the date on which an Employee meets
                         the eligibility requirements.

                                  (vi)     The first day of the Plan Year, or
                         the first day of the fourth month, or the first day of
                         the seventh month or the first day of the tenth month,
                         of the Plan Year coinciding with or following the date
                         on which an Employee meets the eligibility
                         requirements.

                 Indicate Entry Date(s) to be used by specifying option from
                 list above:

<TABLE>
<CAPTION>
                 Type of Contribution(s)                                        Entry Date(s)
                 -----------------------                                        -------------

<S>                                                                          <C>
                 For Discretionary Profit-Sharing Contributions
                 under 7(e), (f) and (g)                                             v
                                                                                -------------

                 For all other contributions (Option (i) not
                 available for these contributions)                                  v
                                                                                -------------
</TABLE>

                 (d)     "Hour of Service" [paragraph 1.41]

                         Shall be determined on the basis of the method selected
                 below. Only one method may be selected. The method selected
                 shall be applied to all Employees covered under the Plan as
                 follows:

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                                           [x]     (i)     On the basis of
                                  actual hours for which an Employee is paid or
                                  entitled to payment.

                                           [ ]     (ii)    On the basis of days
                                  worked.
                                                           An Employee shall be
                                  credited with ten (10) Hours of Service if
                                  under paragraph 1.41 of the Basic Plan
                                  Document #R1 such Employee would be credited
                                  with at least one (1) Hour of Service during
                                  the day.

                                           [ ]     (iii)   On the basis of weeks
                                  worked.
                                                           An Employee shall be
                                  credited with forty-five (45) Hours of Service
                                  if under paragraph 1.41 of the Basic Plan
                                  Document #R1 such Employee would be credited
                                  with at least one (1) Hour of Service during
                                  the week.

                                           [ ]     (iv)    On the basis of
                                  semi-monthly payroll periods.
                                                           An Employee shall be
                                  credited with ninety-five (95) Hours of
                                  Service if under paragraph 1.41 of the Basic
                                  Plan Document #R1 such Employee would be
                                  credited with at least one (1) Hour of Service
                                  during the semi-monthly payroll period.

                                           [ ]     (v)     On the basis of
                                  months worked.
                                                           An Employee shall be
                                  credited with one-hundred-ninety (190) Hours
                                  of Service if under paragraph 1.41 of the
                                  Basic Plan Document #R1 such Employee would be
                                  credited with at least one (1) Hour of Service
                                  during the month.

                 (e)     "Limitation Year" [paragraph 1.44]

                         The 12-consecutive month period commencing on January 1
                 and ending on December 31.

                         If applicable, the Limitation Year will be a short
                 Limitation Year commencing on ____________and ending on
                 ____________.  Thereafter, the Limitation Year shall end on the
                 date last specified above.

                 (f)     "Net Profit"

                                           [x]     (i)     Not applicable
                                  (profits will not be required for any
                                  contributions to the Plan).

                                           [ ]     (ii)    As defined in
                                  paragraph 1.48 of the Basic Plan Document #R1.

                                           [ ]     (iii)   Shall be defined as:

                                                           ____________________

                                                           ____________________
                                                           (Only use if
                                  definition in paragraph 1.48 of the Basic Plan
                                  Document #R1 is to be superseded.)

                 (g)     "Plan Year" [paragraph 1.57]

                         The 12-consecutive month period commencing on January 1
                 and ending on December 31.

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                         If applicable, the Plan Year will be a short Plan Year
                 commencing on __________ and ending on __________. Thereafter,
                 the Plan Year shall end on the date last specified above.

                 (h)     "Qualified Early Retirement Age"

                         For purposes of making distributions under the
                 provisions of a Qualified Domestic Relations Order, the Plan's
                 Qualified Early Retirement Age with regard to the Participant
                 against whom the order is entered [x] shall [ ] shall not be
                 the date the order is determined to be qualified.  If "shall"
                 is elected, this will only allow payout to the alternate
                 payee(s).

                 (i)     "Qualified Joint and Survivor Annuity"

                         The safe-harbor provisions of paragraph 8.7 of the
                 Basic Plan Document #R1 [  ] are [x] are not applicable. If not
                 applicable, the survivor annuity shall be 50% (50%, 66-2/3%,
                 75% or 100%) of the annuity payable during the lives of the
                 Participant and Spouse.  If no answer is specified, 50% will be
                 used.

                 (j)     "Taxable Wage Base" [paragraph 1.63]

                                           [x]     (i)     Not Applicable - Plan
                                  is not integrated with Social Security.

                                           [ ]     (ii)    The maximum earnings
                                  considered wages for such Plan Year under Code
                                  Section 3121(a).

                                           [ ]     (iii)   __________% (not more
                                  than 100%) of the amount considered wages for
                                  such Plan Year under Code Section 3121(a).

                                           [ ]     (iv)    $__________, provided
                                  that such amount is not in excess of the
                                  amount determined under paragraph 3(j)(ii)
                                  above.

                                           [  ]    (v)     For the 1989 Plan
                                  Year $10,000.  For all subsequent Plan Years,
                                  20% of the maximum earnings considered wages
                                  for such Plan Year under Code Section 3121(a).

                 NOTE:   Using less than the maximum at (ii) may result in a
                         change in the allocation formula in Section 7.

                 (k)     "Valuation Date(s)"

                         Allocations to Participant Accounts will be done in
                 accordance with Article V of the Basic Plan Document #R1:

                 (i)     Daily                     (v)     Quarterly

                 (ii)    Weekly                    (vi)    Semi-Annually

                 (iii)   Monthly                   (vii)   Annually

                 (iv)    Bi-Monthly

                                       15
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                 Indicate Valuation Date(s) to be used by specifying option from
                 list above:

<TABLE>
<CAPTION>
                 Type of Contribution(s)                                       Valuation Date(s)
                 -----------------------                                       -----------------

<S>                                                                            <C>
                 After-Tax Voluntary Contributions [Section 6(b)]                    i
                                                                               -------------
                 Elective Deferrals [Section 6(a)]                                   i
                                                                               -------------
                 Matching Contributions [Section 7(c)]                               i
                                                                               -------------
                 Qualified Non-Elective Contributions [Section 7(d)]                 i
                                                                               -------------
                 Non-Elective Contributions [Section 7(e), (f), (g)]                 i
                                                                               -------------
                 Minimum Top-Heavy Contributions [Section 7(i)]                      i
                                                                               -------------
</TABLE>

        (l)      "Year of Service"

                                  (i)      For Eligibility Purposes:  The
                         12-consecutive month period during which an Employee is
                         credited with 1 (not more than 1,000) Hours of Service.

                                  (ii)     For Allocation Accrual Purposes:  The
                         12-consecutive month period during which an Employee is
                         credited with 1000  (not more than 1,000) Hours of
                         Service.

                                  (iii)    For Vesting Purposes:  The
                         12-consecutive month period during which an Employee is
                         credited with 1000 (not more than 1,000) Hours of
                         Service.

4.      ELIGIBILITY REQUIREMENTS [Article II]

        (a)      Service:

                                  (i)      For Elective Deferrals, and Required
                         Voluntary Contributions or Employer Contributions
                         [unless specified otherwise at (ii) below]:

                                                   [x]     (1)      The Plan
                                           shall have no service requirement.

                                                   [ ]     (2)      The Plan
                                           shall cover only Employees having
                                           completed at least  [not more than
                                           three (3)] Years of Service. If more
                                           than one (1) is specified, for Plan
                                           Years beginning in 1989 and later,
                                           the answer will be deemed to be one
                                           (1).

                                       16
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                                                             Profit-Sharing Plan
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                                  (ii)     For contributions [not covered at (i)
                         above] specify the Service requirements below:

<TABLE>
<CAPTION>
                                                                               Service
                         Type of Contribution                                Requirement
                         --------------------                                -----------

<S>                                                                        <C>
                         Employer Matching                                     ____________

                         Qualified Non-Elective                                ____________

                         Descretionary Profit-Sharing                          ____________

                         Required Voluntary                                    ____________
</TABLE>

                                           Not more than three (3) years may be
                         specified.  If more than two (2) years is specified,
                         for Plan Years beginning in 1989 and later, the
                         requirement will be deemed to be two (2) years.

                NOTE:     If the eligibility period selected is or includes a
                          fractional year, an Employee will not be required to
                          complete any specified number of Hours of Service to
                          receive credit for such period.  Participants will be
                          eligible for Top-Heavy minimum contributions after the
                          period in (i) above, assuming they satisfy the other
                          requirements of this Section 4.

        (b)     Age:

                                           [x]     (i)     The Plan shall have
                                  no minimum age requirement.

                                           [ ]     (ii)    The Plan shall cover
                                  only Employees having attained age ___________
                                  (not more than age 21).

                 (c)     Classification:

                         The Plan shall cover all Employees who have met the age
                 and service requirements with the following exceptions:

                                           [ ]     (i)     No exceptions.

                                           [x]     (ii)    The Plan shall
                                  exclude Employees included in a unit of
                                  Employees covered by a collective bargaining
                                  agreement between the Employer and Employee
                                  Representatives, if retirement benefits were
                                  the subject of good faith bargaining.  For
                                  this purpose, the term "Employee
                                  Representative" does not include any
                                  organization more than half of whose members
                                  are Employees who are owners, officers, or
                                  executives of the Employer.

                                           [x]     (iii)   The Plan shall
                                  exclude Employees who are nonresident aliens
                                  and who receive no earned income from the
                                  Employer which constitutes income from sources
                                  within the United States.

                                       17
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                                           [x]     (iv)    The Plan shall
                                  exclude from participation any
                                  nondiscriminatory classification of Employees
                                  determined as follows:

                                                           leased employees,

                                                           employees of other
                                                           members of the
                                                           controlled group of
                                                           employers (as defined
                                                           under Code Sections
                                                           414(b), (c), (m) and
                                                           (0)).

        (d)      Employees on Effective Date:

                                           [x]     (i)     Not Applicable.  All
                                  Employees will be required to satisfy both the
                                  age and Service requirements specified above.

                                           [ ]     (ii)    Employees employed on
                                  the Plan's Effective Date do not have to
                                  satisfy the Service requirements specified
                                  above at [  ] (a)(i), [  ] (a)(ii), [  ] both.

                                           [ ]     (iii)   Employees employed on
                                  the Plan's Effective Date do not have to
                                  satisfy the age requirements specified above.

5.      RETIREMENT AGES

                 (a)     Normal Retirement Age:

                         If the Employer imposes a requirement that Employees
                 retire upon reaching a specified age, the Normal Retirement Age
                 selected below may not exceed the Employer imposed mandatory
                 retirement age.

                                           [x]     (i)     Normal Retirement Age
                                  shall be 65  (not to exceed age 65).

                                           [ ]     (ii)    Normal Retirement Age
                                  shall be the later of attaining age __________
                                  (not to exceed age 65) or the __________ (not
                                  to exceed the 5th) anniversary of the first
                                  day of the first Plan Year in which the
                                  Participant commenced participation in the
                                  Plan.

        (b)      Early Retirement Age:

                                           [x]     (i)     Not Applicable.

                                           [ ]     (ii)    The Plan shall have
                                  an Early Retirement Age of __________ (not
                                  less than 55) and completion of _________
                                  Years of Service.

6.      EMPLOYEE CONTRIBUTIONS (Effective January 1, 2001)

                         [x]      (a)      Participants shall be permitted to
                         make Elective Deferrals in any amount from 1 % up to
                         15% of their Compensation.

                                           If (a) is applicable, Participants
                         shall be permitted to amend their Salary Savings
                         Agreements to change the contribution percentage as
                         provided below:

                                       18
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<TABLE>
<S>                                                      <C>
                                                           [ ]      (i)    On the Anniversary
                                           Date of the Plan,

                                                           [ ]      (ii)   On the Anniversary
                                           Date of the Plan and on the first day of the seventh
                                           month of the Plan Year,

                                                           [ ]      (iii)  On the Anniversary
                                           Date of the Plan and on the first day following any
                                           Valuation Date, or

                                                           [x]      (iv)   Upon 30 days notice
                                           to the Employer.

                         [ ]      (b)      Participants shall be permitted to make after tax
                         Voluntary Contributions.

                         [ ]      (c)      Participants shall be required to make after tax
                         Voluntary Contributions as follows (Thrift Savings Plan):

                                                           [ ]      (i)    ______ % of Compensation.

                                                           [ ]      (ii)   A percentage determined
                                           by the Employee on his or her enrollment form.

                         [x]      (d)      If necessary to pass the Average Deferral Percentage Test,
                         Participants [  ] may [x] may not have Elective Deferrals recharacterized as
                         Voluntary Contributions.

                 NOTE:     The Average Deferral Percentage Test will apply to contributions under (a)
                           above.  The Average Contribution Percentage Test will apply to contributions
                           under (b) and (c) above, and may apply to (a).

7.      EMPLOYER CONTRIBUTIONS AND ALLOCATION THEREOF (Effective Jan 1, 2001)

        NOTE:     The Employer shall make contributions to the Plan in accordance with the formula or
                  formulas selected below.  The Employer's contribution shall be subject to the
                  limitations contained in Articles III and X.  For this purpose, a contribution for a
                  Plan Year shall be limited for the Limitation Year which ends with or within such
                  Plan Year. Also, the integrated allocation formulas below are for Plan Years beginning
                  in 1989 and later.  The Employer's allocation for earlier years shall be as specified
                  in its Plan prior to amendment for the Tax Reform Act of 1986.

        (a)      Profits Requirement:

                 (i)     Current or Accumulated Net Profits are required for:

                                                           [ ]      (A)    Matching Contributions.

                                                           [ ]      (B)    Qualified Non-Elective
                                           Contributions.

                                                           [ ]      (C)    Discretionary Contributions.
</TABLE>

                                       19
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                                                             Profit-Sharing Plan
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                 (ii)    No Net Profits are required for:

                         [x]      (A)      Matching Contributions.

                         [x]      (B)      Qualified Non-Elective Contributions.

                         [x]      (C)      Discretionary Contributions.

                 NOTE:     Elective Deferrals can always be contributed
                           regardless of profits.

[x]              (b)     Salary Savings Agreement:

                         The Employer shall contribute and allocate to each
                 Participant's account an amount equal to the amount withheld
                 from the Compensation of such Participant pursuant to his or
                 her Salary Savings Agreement.  If applicable, the maximum
                 percentage is specified in Section 6 above.

                         An Employee who has terminated his or her election
                 under the Salary Savings Agreement other than for Hardship
                 reasons may not make another Elective Deferral:

                                           [ ]     (i)     until the first day
                                  of the next Plan Year.

                                           [ ]     (ii)    until the first day
                                  of the [ ] next valuation period.  [ ] second
                                  valuation period following termination.  [ ]
                                  third valuation period following termination.

                                           [x]     (iii)   for a period of 1
                                  month(s) (not to exceed 12 months).

[x]              (c)     Matching Employer Contribution [See paragraphs (h) and
                 (i)]:

                                           [ ]     (i)     Percentage Match:
                                  The Employer shall contribute and allocate to
                                  each eligible Participant's account an amount
                                  equal to _________ % of the amount contributed
                                  and allocated in accordance with paragraph
                                  7(b) above and (if checked) )________ % of [ ]
                                  the amount of Voluntary Contributions made in
                                  accordance with paragraph 4.1 of the Basic
                                  Plan Document #R1. The Employer shall not
                                  match Participant Elective Deferrals as
                                  provided above in excess of $_____________ or
                                  in excess of _________ % of the Participant's
                                  Compensation or if applicable, Voluntary
                                  Contributions in excess of $ _________ or in
                                  excess of _________ % of the Participant's
                                  Compensation. In no event will the match on
                                  both Elective Deferrals and Voluntary
                                  Contributions exceed a combined amount of $
                                  _________ or _________ %.

                                           [x]     (ii)    Discretionary Match:
                                  The Employer shall contribute and allocate to
                                  each eligible Participant's account a
                                  percentage of the Participant's Elective
                                  Deferral contributed and allocated in
                                  accordance with paragraph 7(b) above. The
                                  Employer shall set such percentage prior to
                                  the end of the Plan Year. The Employer shall
                                  not match Participant Elective Deferrals in
                                  excess of $ _________ or in excess of 5 % of
                                  the Participant's Compensation.

                                           [ ]     (iii)   Tiered Match:  The
                                  Employer shall contribute and allocate to each
                                  Participant's account an amount equal to
                                  _________ % of the first _________ % of the
                                  Participant's Compensation, to the extent
                                  deferred.

                                       20
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<TABLE>
<S>                                                                                  <C>
                                                           _____ % of the next
                                  _________ % of the Participant's Compensation,
                                  to the extent deferred.

                                                           _____ % of the next
                                  _________ % of the Participant's Compensation,
                                  to the extent deferred.

                  NOTE:      Percentages specified in (iii) above may not increase
                             as the percentage of Participant's contribution
                             increases.

                                           [ ]     (iv)    Flat Dollar Match:
                                  The Employer shall contribute and allocate to
                                  each Participant's account $ _________ if the
                                  Participant defers at least 1% of
                                  Compensation.

                                           [ ]     (v)     Percentage of
                                  Compensation Match: The Employer shall
                                  contribute and allocate to each Participant's
                                  account _________ % of Compensation if the
                                  Participant defers at least 1% of
                                  Compensation.

                                           [ ]     (vi)    Proportionate
                                  Compensation Match: The Employer shall
                                  contribute and allocate to each Participant
                                  who defers at least 1% of Compensation, an
                                  amount determined by multiplying such Employer
                                  Matching Contribution by a fraction the
                                  numerator of which is the Participant's
                                  Compensation and the denominator of which is
                                  the Compensation of all Participants eligible
                                  to receive such an allocation. The Employer
                                  shall set such discretionary contribution
                                  prior to the end of the Plan Year.

                                           [x]     (vii)   Qualified Match:
                                  Employer Matching Contributions will be
                                  treated as Qualified Matching Contributions to
                                  the extent specified below:

                                                                    [ ]    (A)     All Matching
                                                   Contributions.

                                                                    [ ]    (B)     None.

                                                                    [ ]    (C)     ______ % of the
                                                   Employer's Matching Contribution.

                                                                    [ ]    (D)     up to ______ % of
                                                   each Participant's Compensation.

                                                                    [x]    (E)     The amount necessary
                                                   to meet the [ ] Average Deferral Percentage (ADP) test,
                                                   [  ] Average Contribution Percentage (ACP) test, [x]
                                                   Both the ADP and ACP tests.

                                                   (viii)  Matching Contribution Computation Period:
                                  The time period upon which matching contributions will be based shall be

                                                                    [ ]    (A)     weekly

                                                                    [x]    (B)     bi-weekly

</TABLE>

                                       21
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<TABLE>
<S>                                                                                                                             <C>
                                                                    [ ]    (C)     semi-monthly

                                                                    [ ]    (D)     monthly

                                                                    [ ]    (E)     quarterly

                                                                    [ ]    (F)     semi-annually

                                                                    [ ]    (G)     annually

                                                   (ix)    Eligibility for Match:  Employer Matching
                                  Contributions, whether or not Qualified, will only be made on
                                  Employee Contributions not withdrawn prior to the end of the [x]
                                  valuation period [ ] Plan Year.

[x]              (d)     Qualified Non-Elective Employer Contribution - [See paragraphs (h) and (i)]
                 These contributions are fully vested when contributed.

                         The Employer shall have the right to make an additional discretionary
                 contribution which shall be allocated to each eligible Employee in proportion to his
                 or her Compensation as a percentage of the Compensation of all eligible Employees. This
                 part of the Employer's contribution and the allocation thereof shall be unrelated to any
                 Employee contributions made hereunder. The amount of Qualified non-Elective Contributions
                 taken into account for purposes of meeting the ADP or ACP test requirements is:

                                           [ ]     (i)     All such Qualified non-Elective Contributions.

                                           [x]     (ii)    The amount necessary to meet [  ] the ADP test,
                                  [  ] the ACP test, [x] Both the ADP and ACP tests.

                 Qualified non-Elective Contributions will be made to:

                                           [ ]     (iii)   All Employees eligible to participate.

                                           [x]     (iv)    Only non-Highly Compensated Employees eligible to
                 participate.

[x]              (e)     Additional Employer Contribution Other Than Qualified Non-Elective Contributions -
                 Non-Integrated [See paragraphs (h) and (i)]

                         The Employer shall have the right to make an additional discretionary contribution
                 which shall be allocated to each eligible Employee in proportion to his or her Compensation
                 as a percentage of the Compensation of all eligible Employees.  This part of the Employer's
                 contribution and the allocation thereof shall be unrelated to any Employee contributions made
                 hereunder.

[ ]              (f)     Additional Employer Contribution - Integrated Allocation Formula [See paragraphs (h)
                 and (i)]

                         The Employer shall have the right to make an additional discretionary contribution.
                 The Employer's contribution for the Plan Year plus any forfeitures shall be allocated to the
                 accounts of eligible Participants as follows:
</TABLE>

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                                  (i)      First, to the extent contributions
                         and forfeitures are sufficient, all Participants will
                         receive an allocation equal to 3% of their
                         Compensation.

                                  (ii)     Next, any remaining Employer
                         Contributions and forfeitures will be allocated to
                         Participants who have Compensation in excess of the
                         Taxable Wage Base (excess Compensation). Each such
                         Participant will receive an allocation in the ratio
                         that his or her excess compensation bears to the excess
                         Compensation of all Participants. Participants may only
                         receive an allocation of 3% of excess Compensation.

                                  (iii)    Next, any remaining Employer
                         contributions and forfeitures will be allocated to all
                         Participants in the ratio that their Compensation plus
                         excess Compensation bears to the total Compensation
                         plus excess Compensation of all Participants.
                         Participants may only receive an allocation of up to
                         2.7% of their Compensation plus excess Compensation,
                         under this allocation method. If the Taxable Wage Base
                         defined at Section 3(j) is less than or equal to the
                         greater of $10,000 or 20% of the maximum, the 2.7% need
                         not be reduced. If the amount specified is greater than
                         the greater of $10,000 or 20% of the maximum Taxable
                         Wage Base, but not more than 80%, 2.7% must be reduced
                         to 1.3%. If the amount specified is greater than 80%
                         but less than 100% of the maximum Taxable Wage Base,
                         the 2.7% must be reduced to 2.4%.

                 NOTE:     If the Plan is not Top-Heavy or if the Top-Heavy
                           minimum contribution or benefit is provided under
                           another Plan [see Section 11(d)(ii)] covering the
                           same Employees, sub-paragraphs (i) and (ii) above may
                           be disregarded and 5.7%, 4.3% or 5.4%  may be
                           substituted for 2.7%, 1.3% or 2.4% where it appears
                           in (iii) above.

                                  (iv)     Next, any remaining Employer
                         contributions and forfeitures will be allocated to all
                         Participants (whether or not they received an
                         allocation under the preceding paragraphs) in the ratio
                         that each Participant's Compensation bears to all
                         Participants' Compensation.

[  ]             (g)     Additional Employer Contribution-Alternative Integrated
                 Allocation Formula [See paragraph (i)]

                         The Employer shall have the right to make an additional
                 discretionary contribution. To the extent that such
                 contributions are sufficient, they shall be allocated as
                 follows:

                          ______ % of each eligible Participant's Compensation
                 plus ______ % of Compensation in excess of the Taxable Wage
                 Base defined at Section 3(j) hereof. The percentage on excess
                 compensation may not exceed the lesser of (i) the amount first
                 specified in this paragraph or (ii) the greater of 5.7% or the
                 percentage rate of tax under Code Section 3111(a) as in effect
                 on the first day of the Plan Year attributable to the Old Age
                 (OA) portion of the OASDI provisions of the Social Security
                 Act. If the Employer specifies a Taxable Wage Base in Section
                 3(j) which is lower than the Taxable Wage Base for Social
                 Security purposes (SSTWB) in effect as of the first day of the
                 Plan Year, the percentage contributed with respect to excess
                 Compensation must be adjusted. If the Plan's Taxable Wage Base
                 is greater than the larger of $10,000 or 20% of the SSTWB but
                 not more than 80% of the SSTWB, the excess percentage is 4.3%.
                 If the Plan's Taxable Wage Base is greater than 80% of the
                 SSTWB but less than 100% of the SSTWB, the excess percentage is
                 5.4%.

        NOTE:     Only one plan maintained by the Employer may be integrated
                  with Social Security.

                                       23
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                 (h)     Allocation of Excess Amounts (Annual Additions)

                         In the event that the allocation formula above results
                 in an Excess Amount, such excess shall be:

                                           [ ]     (i)     placed in a suspense
                                  account accruing no gains or losses for the
                                  benefit of the Participant.

                                           [x]     (ii)    reallocated as
                                  additional Employer contributions to all other
                                  Participants to the extent that they do not
                                  have any Excess Amount.

                 (i)     Minimum Employer Contribution Under Top-Heavy Plans:

                         For any Plan Year during which the Plan is Top-Heavy,
                 the sum of the contributions and forfeitures as allocated to
                 eligible Employees under paragraphs 7(d), 7(e), 7(f), 7(g) and
                 9 of this Adoption Agreement shall not be less than the amount
                 required under paragraph 14.2 of the Basic Plan Document #R1.
                 Top-Heavy minimums will be allocated to:

                 [ ]     (i)      all eligible Participants.

                 [x]     (ii)     only eligible non-Key Employees who are
                 Participants.

                 (j)     Return of Excess Contributions and/or Excess Aggregate
                 Contributions:

                         In the event that one or more Highly Compensated
                 Employees are subject to both the ADP and ACP tests and the sum
                 of such tests exceeds the Aggregate Limit, the limit will be
                 satisfied by reducing the:

                                           [x]     (i)     the ADP of the
                                  affected Highly Compensated Employees.

                                           [ ]     (ii)    the ACP of the
                                  affected Highly Compensated Employees.

                                           [ ]     (iii)   a combination of the
                                  ADP and ACP of the affected Highly Compensated
                                  Employees.

8.      ALLOCATIONS TO TERMINATED EMPLOYEES [paragraph 5.3]

                         [ ]      (a)      The Employer will not allocate
                         Employer related contributions to Employees who
                         terminate during a Plan Year, unless required to
                         satisfy the requirements of Code Section 401(a)(26) and
                         410(b). (These requirements are effective for 1989 and
                         subsequent Plan Years.)

                                       24
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<TABLE>
<S>                                                                                    <C>

                         [x]      (b)      The Employer will allocate Employer matching and other related
                         contributions as indicated below to Employees who terminate during the Plan Year
                         as a result of:

                         Matching          Other
                         --------          -----

                         [x]               [x]     (i)     Retirement.

                         [x]               [x]     (ii)    Disability.

                         [x]               [x]     (iii)   Death.

                         [ ]               [ ]     (iv)    Other termination of employment provided that the
                                                           Participant has completed a Year of Service as
                                                           defined for Allocation Accrual Purposes.

                         [x]               [ ]     (v)     Other termination of employment even though the
                                                           Participant has not completed a Year of Service.

                         [ ]               [ ]     (vi)    Termination of employment (for any reason) provided
                                                           that the Participant had completed a Year of Service
                                                           for Allocation Accrual Purposes.

9.      ALLOCATION OF FORFEITURES

        NOTE:     Subsections (a), (b) and (c) below apply to forfeitures of amounts other than Excess
                  Aggregate Contributions.

                 (a)     Allocation Alternatives:

                         If forfeitures are allocated to Participants, such allocation shall be done in the same
                 manner as the Employer's contribution.

                                           [ ]     (i)     Not Applicable.  All contributions are always fully
                                  vested.

                                           [ ]     (ii)    Forfeitures shall be allocated to Participants in the
                                  same manner as the Employer's contribution.

                                                           If allocation to other Participants is selected, the
                                  allocation shall be as follows:

                                                                    [1]   Amount attributable to Employer
                                           Discretionary Contributions and Top-Heavy minimums will be allocated
                                           to:

                                                                                [ ]     all eligible Participants
                                                   under the Plan.
</TABLE>

                                       25
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<TABLE>
<S>                                                                                                      <C>
                                                                                [ ]     only those Participants
                                                   eligible for an allocation of Employer contributions in the
                                                   current year.

                                                                                [ ]     only those Participants
                                                   eligible for an allocation of matching contributions in the
                                                   current year.

                                                                    [2]    Amounts attributable to Employer Matching
                                           contributions will be allocated to:

                                                                                [ ]     all eligible Participants.

                                                                                [ ]     only those Participants eligible
                                                   for allocations of matching contributions in the current year.

                                           [x]     (iii)   Forfeitures shall be applied to reduce the Employer's
                                  contribution for such Plan Year.

                                           [ ]     (iv)    Forfeitures shall be applied to offset administrative expenses
                                  of the Plan.  If forfeitures exceed these expenses, (iii) above shall apply.

        (b)      Date for Reallocation:

        NOTE:      If no distribution has been made to a former Participant, sub-section (i) below will apply to such
                   Participant even if the Employer elects (ii), (iii) or (iv) below as its normal administrative policy.

                                           [ ]     (i)     Forfeitures shall be reallocated at the end of the Plan Year
                                  during which the former Participant incurs his or her fifth consecutive one year Break
                                  In Service.

                                           [x]     (ii)    Forfeitures will be reallocated immediately (as of the next
                                  Valuation Date).

                                           [ ]     (iii)   Forfeitures shall be reallocated at the end of the Plan Year
                                  during which the former Employee incurs his or her          (1st, 2nd, 3rd, or 4th)
                                  consecutive one year Break In Service.

                                           [ ]     (iv)    Forfeitures will be reallocated immediately (as of the Plan
                                  Year end).

                 (c)     Restoration of Forfeitures:

                         If amounts are forfeited prior to five consecutive 1-year Breaks in Service, the Funds for
                 restoration of account balances will be obtained from the following resources in the order indicated
                 (fill in the appropriate number):

                                           [1]     (i)     Current year's forfeitures.
</TABLE>

                                       26
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                                           [2]     (ii)     Additional Employer
                                  contribution.

                                           [ ]     (iii)    Income or gain to
                                  the Plan.

        (d)      Forfeitures of Excess Aggregate Contributions shall be:

                                           [x]     (i)     Applied to reduce
                                  Employer contributions.

                                           [ ]     (ii)    Allocated, after all
                                  other forfeitures under the Plan, to the
                                  Matching Contribution account of each
                                  non-Highly Compensated Participant who made
                                  Elective Deferrals or Voluntary Contributions
                                  in the ratio which each such Participant's
                                  Compensation for the Plan Year bears to the
                                  total Compensation of all Participants for
                                  such Plan Year.  Such forfeitures cannot be
                                  allocated to the account of any Highly
                                  Compensated Employee.

                         Forfeitures of Excess Aggregate Contributions will be
                 so applied at the end of the Plan Year in which they occur.

10.     CASH OPTION (Effective January 1, 2001)

                         [x]      (a)      The Employer may permit a Participant
                         to elect to defer to the Plan, an amount not to exceed
                         15 % of any Employer paid cash bonus made for such
                         Participant for any year. A Participant must file an
                         election to defer such contribution at least fifteen
                         (15) days prior to the end of the Plan Year. If the
                         Employee fails to make such an election, the entire
                         Employer paid cash bonus to which the Participant would
                         be entitled shall be paid as cash and not to the Plan.
                         Amounts deferred under this section shall be treated
                         for all purposes as Elective Deferrals. Notwithstanding
                         the above, the election to defer must be made before
                         the bonus is made available to the Participants.

                         [ ]      (b)      Not Applicable.

11.     LIMITATIONS ON ALLOCATIONS [Article X]

                 [  ]    This is the only Plan the Employer maintains or ever
                 maintained; therefore, this section is not applicable.

                 [x]     The Employer does maintain or has maintained another
                 Plan (including a Welfare Benefit Fund or an individual medical
                 account [as defined in Code Section 415(l)(2)], under which
                 amounts are treated as Annual Additions) and has completed the
                 proper sections below.

                         Complete (a), (b) and (c) only if the Employer
                 maintains or ever maintained another qualified plan, including
                 a Welfare Benefit Fund or an individual medical account [as
                 defined in Code Section 415(l)(2)] in which any Participant in
                 this Plan is (or was) a participant or could possibly become a
                 participant.

                 (a)     If the Participant is covered under another qualified
                 Defined Contribution Plan maintained by the Employer, other
                 than a Regional Prototype Plan:

                                           [x]     (i)     the provisions of
                                  Article X of the Basic Plan Document #R1 will
                                  apply, as if the other plan were a Regional
                                  Prototype Plan.

                                       27
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                                           [ ]     (ii)    Attach provisions
                                  stating the method under which the plans will
                                  limit total Annual Additions to the Maximum
                                  Permissible Amount, and will properly reduce
                                  any Excess Amounts, in a manner that precludes
                                  Employer discretion.

                 (b)     If a Participant is or ever has been a participant in a
                 Defined Benefit Plan maintained by the Employer:

                         Attach provisions which will satisfy the 1.0 limitation
                 of Code Section 415(e). Such language must preclude Employer
                 discretion. The Employer must also specify the interest and
                 mortality assumptions used in determining Present Value in the
                 Defined Benefit Plan.

                 (c)     The minimum contribution or benefit required under Code
                 Section 416 relating to Top-Heavy Plans shall be satisfied by:

                                           [x]     (i)     This Plan.

                                           [ ]     (ii)    __________________
                                                           (Name of other
                                                           qualified plan of the
                                                           Employer).

                                           [ ]     (iii)   Attach provisions
                                  stating the method under which the minimum
                                  contribution and benefit provisions of Code
                                  Section 416 will be satisfied. If a Defined
                                  Benefit Plan is or was maintained, an
                                  attachment must be provided showing interest
                                  and mortality assumptions used in the
                                  Top-Heavy Ratio.

12.     VESTING [Article IX]

        Employees shall have a fully vested and nonforfeitable interest in any
        Employer contribution and the investment earnings thereon made in
        accordance with paragraphs (select one or more options) [x] 7(c), [ ]
        7(e), [ ] 7(f), [ ] 7(g) and [ ] 7(i) hereof. Contributions under
        paragraph 7(b), 7(c)(vii) and 7(d) are always fully vested. If one or
        more of the foregoing options are not selected, such Employer
        contributions shall be subject to the vesting table selected by the
        Employer.

        Each Participant shall acquire a vested and nonforfeitable percentage in
        his or her account balance attributable to Employer contributions and
        the earnings thereon under the procedures selected below except with
        respect to any Plan Year during which the Plan is Top-Heavy, in which
        case the Two-twenty vesting schedule [option (b)(iv)] shall
        automatically apply unless the Employer has already elected a faster
        vesting schedule. If the Plan is switched to option (b)(iv), because of
        its Top-Heavy status, that vesting schedule will remain in effect even
        if the Plan later becomes non-Top-Heavy until the Employer executes an
        amendment of this Adoption Agreement indicating otherwise.

                 (a)     Computation Period:

                         The computation period for purposes of determining
                 Years of Service and Breaks in Service for purposes of
                 computing a Participant's nonforfeitable right to his or her
                 account balance derived from Employer contributions:

                                           [ ]     (i)     shall not be
                                  applicable since Participants are always fully
                                  vested,

                                       28
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                                           [ ]     (ii)    shall commence on the
                                  date on which an Employee first performs an
                                  Hour of Service for the Employer and each
                                  subsequent 12-consecutive month period shall
                                  commence on the anniversary thereof, or

                                           [x]     (iii)   shall commence on the
                                  first day of the Plan Year during which an
                                  Employee first performs an Hour of Service for
                                  the Employer and each subsequent
                                  12-consecutive month period shall commence on
                                  the anniversary thereof.

                         A Participant shall receive credit for a Year of
                 Service if he or she completes at least 1,000 Hours of Service
                 [or if lesser, the number of hours specified at 3(l)(iii) of
                 this Adoption Agreement] at any time during the 12-consecutive
                 month computation period. Consequently, a Year of Service may
                 be earned prior to the end of the 12-consecutive month
                 computation period and the Participant need not be employed at
                 the end of the 12-consecutive month computation period to
                 receive credit for a Year of Service.

        (b)      Vesting Schedules:

        NOTE:      The vesting schedules below only apply to a Participant who
                   has at least one Hour of Service during or after the 1989
                   Plan Year. If applicable, Participants who separated from
                   Service prior to the 1989 Plan Year will remain under the
                   vesting schedule as in effect in the Plan prior to amendment
                   for the Tax Reform Act of 1986.

                  (i)      Full and immediate vesting.

<TABLE>
<CAPTION>
                                                            Years of Service
                                                            ----------------

                                    1            2            3            4            5            6          7
                                   ---          ---          ---          ---          ---          ---        ---
<S>                            <C>         <C>         <C>             <C>        <C>           <C>         <C>
                  (ii)               %         100%
                  (iii)              %            %         100%
                  (iv)               %          20%          40%          60%          80%          100%
                  (v)                %            %          20%          40%          60%           80%       100%
                  (vi)             10%          20%          30%          40%          60%           80%       100%
                  (vii)            20%          40%          60%          80%         100%
                  (viii)             %            %            %            %            %             %       100%
</TABLE>

        NOTE:      The percentages selected for schedule (viii) may not be less
                   for any year than the percentages shown at schedule (v).

                                  [ ]      All contributions other than those
                         which are fully vested when contributed will vest under
                         schedule __________.above.

                                  [x]      Contributions other than those which
                         are fully vested when contributed will vest as provided
                         below:

                                       29
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<TABLE>
<CAPTION>

                     Vesting
                 Option Selected           Type Of Employer Contribution
                 ---------------           -----------------------------
<S>                                       <C>
                        I                  7(c) Employer Match on Salary Savings
                 --------------
                                           7(c) Employer Match on Employee Voluntary
                 --------------
                       vii                 7(e) Employer Discretionary
                 --------------
                                           7(f) & (g) Employer Discretionary -Integrated
                 --------------
</TABLE>

        (c)      Service disregarded for Vesting:

                                           [x]     (i)     Not Applicable.  All
                                  Service shall be considered.

                                           [ ]     (ii)    Service prior to the
                                  Effective Date of this Plan or a predecessor
                                  plan shall be disregarded when computing a
                                  Participant's vested and nonforfeitable
                                  interest.

                                           [ ]     (iii)   Service prior to a
                                  Participant having attained age 18 shall be
                                  disregarded when computing a Participant's
                                  vested and nonforfeitable interest.

13.     SERVICE WITH PREDECESSOR ORGANIZATION

        For purposes of satisfying the Service requirements for eligibility,
        Hours of Service shall include Service with the following predecessor
        organization(s): (These hours will also be used for vesting purposes.)

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

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

14.     ROLLOVER/TRANSFER CONTRIBUTIONS

                 (a)     Rollover Contributions, as described at paragraph 4.3
                 of the Basic Plan Document #R1, [x] shall [ ] shall not be
                 permitted. If permitted, Employees [x] may [ ] may not make
                 Rollover Contributions prior to meeting the eligibility
                 requirements for participation in the Plan.

                 (b)     Transfer Contributions, as described at paragraph 4.4
                 of the Basic Plan Document #R1, [x] shall [ ] shall not be
                 permitted. If permitted, Employees [x] may [ ] may not Transfer
                 Contributions prior to meeting the eligibility requirements for
                 participation in the Plan.

        NOTE:      Even if available, the Employer may refuse to accept such
                   contributions if its Plan meets the safe-harbor rules of
                   paragraph 8.7 of the Basic Plan Document #R1.

15.     HARDSHIP WITHDRAWALS

        Hardship withdrawals, as provided for in paragraph 6.9 of the Basic Plan
        Document #R1, [x] are [ ] are not permitted.

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16.     PARTICIPANT LOANS

        Participant loans, as provided for in paragraph 13.4 of the Basic Plan
        Document #R1, [x] are [ ] are not permitted. If permitted, repayments of
        principal and interest shall be repaid to [x] the Participant's
        segregated account or [ ] the general Fund.

17.     INSURANCE POLICIES

        The insurance provisions of paragraph 13.5 of the Basic Plan Document
        #R1 [ ] shall [x] shall not be applicable.

18.     EMPLOYER INVESTMENT DIRECTION

        The Employer investment direction provisions, as set forth in paragraph
        13.6 of the Basic Plan Document #R1, [x] shall [ ] shall not be
        applicable.

19.     EMPLOYEE INVESTMENT DIRECTION

                 (a)     The Employee investment direction provisions, as set
                 forth in paragraph 13.7 of the Basic Plan Document #R1, [x]
                 shall [ ] shall not be applicable.

                 If applicable, Participants may direct their investments:

                                           [ ]     (i)     among funds offered
                                  by the Trustee.

                                           [x]     (ii)    among any allowable
                                  investments.

                 (b)     Participants may direct the following kinds of
                 contributions and the earnings thereon (check all applicable):

                                           [ ]     (i)     All Contributions.

                                           [x]     (ii)    Elective Deferrals.

                                           [x]     (iii)   Employee Voluntary
                                  Contributions (after-tax).

                                           [x]     (iv)    Employee Mandatory
                                  Contributions (after-tax).

                                           [x]     (v)     Employer Qualified
                                  Matching Contributions.

                                           [x]     (vi)    Other Employer
                                  Matching Contributions.

                                           [x]     (vii)   Employer Qualified
                                  Non-Elective Contributions.

                                           [ ]     (viii)  Employer
                                  Discretionary Contributions.

                                       31
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                                           [x]     (ix)    Rollover
                                  Contributions.

                                           [x]     (x)     Transfer
                                  Contributions.

                                           [ ]     (xi)    All of above which
                                  are checked, but only to the extent that the
                                  Participant is vested in those contributions.

        NOTE:      To the extent that Employee investment direction was
                   previously allowed, it shall continue to be allowed on those
                   amounts and the earnings thereon.

20.     EARLY PAYMENT OPTION

                 (a)     A Participant who separates from Service prior to
                 retirement, death or Disability [x] may [ ] may not make
                 application to the Employer requesting an early payment of his
                 or her vested account balance.

                 (b)     A Participant who has not separated from Service [x]
                 may [ ] may not obtain a distribution of his or her vested
                 Employer contributions. Distribution can only be made if the
                 Participant is 100% vested.

                 (c)     A Participant who has attained the Plan's Normal
                 Retirement Age and who has not separated from Service [x] may
                 [ ] may not receive a distribution of his or her vested account
                 balance.

        NOTE:      If the Participant has had the right to withdraw his or her
                   account balance in the past, this right may not be taken
                   away. Notwithstanding the above, to the contrary, required
                   minimum distributions will be paid. For timing of
                   distribution see item 21(a) below.

21.     DISTRIBUTION OPTIONS

                 (a)     Timing of Distributions:

                         In cases of termination for other than death,
                 Disability or retirement, benefits shall be paid:

                                           [ ]     (i)     As soon as
                                  administratively feasible, following the close
                                  of the valuation period during which a
                                  distribution is requested or is otherwise
                                  payable.

                                           [ ]     (ii)    As soon as
                                  administratively feasible following the close
                                  of the Plan Year during which a distribution
                                  is requested or is otherwise payable.

                                           [x]     (iii)   As soon as
                                  administratively feasible, following the date
                                  on which a distribution is requested or is
                                  otherwise payable.

                                           [ ]     (iv)    As soon as
                                  administratively feasible, after the close of
                                  the Plan Year during which the Participant
                                  incurs ________ consecutive one-year Breaks in
                                  Service.

                                           [ ]     (v)     Only after the
                                  Participant has achieved the Plan's Normal
                                  Retirement Age, or Early Retirement Age, if
                                  applicable.

                                       32
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                                           In cases of death, Disability or
                                  retirement, benefits shall be paid:

                                           [ ]     (vi)    As soon as
                                  administratively feasible, following the close
                                  of the valuation period during which a
                                  distribution is requested or is otherwise
                                  payable.

                                           [ ]     (vii)   As soon as
                                  administratively feasible following the close
                                  of the Plan Year during which a distribution
                                  is requested or is otherwise payable.

                                           [x]     (viii)  As soon as
                                  administratively feasible, following the date
                                  on which a distribution is requested or is
                                  otherwise payable.

        (b)      Optional Forms of Payment:

                                           [x]     (i)     Lump Sum.

                                           [x]     (ii)    Installment Payments.

                                           [x]     (iii)   Life Annuity*.

                                           [x]     (iv)    Life Annuity  Term
                                  Certain*.
                                                           Life Annuity with
                                  payments guaranteed for 10 years (not to
                                  exceed 20 years, specify all applicable).

                                           [x]     (v)     Joint and [x] 50%,
                                  [x] 66-2/3%, [x] 75% or [x] 100% survivor
                                  annuity* (specify all applicable).

                                           [ ]     (vi)    Other form(s)
                                  specified:

                         *Not available in Plan meeting provisions of paragraph
                 8.7 of Basic Plan Document #R1.

                 (c)     Recalculation of Life Expectancy:

                         In determining required distributions under the Plan,
                 Participants and/or their Spouse (Surviving Spouse) [x] shall
                 [ ] shall not have the right to have their life expectancy
                 recalculated.

                 If  "shall",

                                  [ ]      only the Participant shall be
                         recalculated.

                                  [x]      both the Participant and Spouse shall
                         be recalculated.

                                  [ ]      who is recalculated shall be
                         determined by the Participant.

22.     SIGNATURES

        (a)      EMPLOYER:

                 Name and address of Employer if different than specified in
        Section 1 above.

                                       33
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                         This agreement and the corresponding provisions of the
                 Plan and Trust Basic Plan Document #R1 were adopted by the
                 Employer the ____ day of _________, 19__ .

                 Signed for the Employer by:

                 Title:

                 Signature:
                             ---------------------------------------------------

                         The Employer understands that its failure to properly
                 complete the Adoption Agreement may result in disqualification
                 of its Plan.

                         Employer's Reliance:  The adopting Employer may not
                 rely on a notification letter issued by the National Office of
                 the Internal Revenue Service as evidence that the Plan is
                 qualified under Code Section 401. In order to obtain reliance
                 with respect to Plan qualification, the Employer must apply to
                 the appropriate Key District Office for a determination letter.

                         This Adoption Agreement may only be used in conjunction
                 with Basic Plan Document #R1.

        (b)      TRUSTEE:

                 Name of Trustee:

                 Thomas E. Fleming, Dorinda K. Culp and Janet L. Hoffman

                         The Employer's Plan as contained herein was accepted by
                 the Trustee(s) the ___ day of __________, 20___.

        Signed for the Trustee by:

        Title:
        Signature:
                                           --------------------------------

        (c)      SPONSOR:

                         The Employer's Agreement and the corresponding
                 provisions of the Plan and Trust/Custodial Account Basic Plan
                 Document #R1 were accepted by the Sponsor the ____ day of
                 ______________ , 20__.

        Signed for the Sponsor by:         John M. Van Buren

        Title:                             President

        Signature:
                                           --------------------------------

                                       34

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00029-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00029-of-00352.parquet"}]]