Document:

<PAGE>
                                                                   EXHIBIT 10.49
                            FIRST AMENDMENT TO LEASE

         This FIRST AMENDMENT TO LEASE (this "AMENDMENT") is made this 28th day
of September, 2001 by and between FIRST POINT ASSOCIATES, LLC ("LANDLORD"), and
BRIGHTPOINT NORTH AMERICA L.P., a Delaware limited partnership ("TENANT").

                                    RECITALS

         WHEREAS, Tenant and Airtech Parkway Associates, LLC, an Indiana limited
liability company and predecessor-in-interest to Landlord, executed and entered
into that certain Lease dated September 18, 1998 (the "LEASE"); and

         WHEREAS, Landlord and Tenant desire to amend and modify the Lease on
the terms and conditions hereinafter set forth.

         NOW, THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which are acknowledged hereby, Landlord and Tenant agree as
follows:

         1. RECITALS; DEFINED TERMS. The foregoing recitals are hereby
incorporated into the body of this Amendment as if such recitals were more
specifically herein set forth. Capitalized terms used herein and not otherwise
defined shall have the meanings respectively ascribed to such terms in the
Lease.

         2. SECURITY DEPOSIT. Within five (5) business days after Tenant's
receipt of Mortgagees' Approvals, Tenant shall deposit with Landlord a security
deposit in the amount of Two Hundred Fifty Thousand and No/100 Dollars
($250,000) (the "SECURITY DEPOSIT"). The Security Deposit shall be retained by
Landlord as security for the faithful performance and observance by Tenant of
its obligations under the Lease. Provided no Tenant Default, as defined in
SECTION 19(A) of the Lease, occurs and is continuing, Tenant shall be credited,
on a quarterly basis, for interest on the Security Deposit at a per annum rate
of six percent (6%). Landlord shall not be obligated to hold the Security
Deposit in trust or in a separate account and Landlord shall have the right to
commingle the Security Deposit with its other funds. If a Tenant Default, as
defined in SECTION 19(A) of the Lease, occurs and is continuing without limiting
any other right or remedy of Landlord, Landlord may also apply the whole or any
part of the Security Deposit to the extent required for the payment of any Rent
or other sums payable under the Lease pertaining to such Tenant Default or on
account of any sum which Landlord may expend or may be required to expend by
reason of such Tenant Default. If any portion of the Security Deposit is applied
by Landlord for a Tenant Default on account of the failure to pay Base Rent,
Tenant shall, within five (5) business days after demand is made by Landlord,
deposit cash with Landlord in an amount demanded by Landlord to restore the
Security Deposit to its original amount. So long as no uncured Tenant Default
exists on the expiration date of the Lease Term, the Security Deposit (together
with the accrued interest) shall be, at Tenant's sole option, either (a) applied
to the last month's Rent, or (b) returned to Tenant within thirty (30) days
after the expiration date of the Lease Term and the surrender of the Leased
Premises to Landlord. In the event of a sale of the Leased Premises and a
written assumption of the Lease by the purchaser of the Leased Premises as the
successor landlord, Landlord shall have the right to transfer the Security
Deposit to the purchaser, whereupon Landlord shall provide Tenant with a copy of
the

<PAGE>
assumption agreement between Landlord and the purchaser of the Leased Premises
and shall be released by Tenant from all liability for the return of the
Security Deposit and Tenant shall look solely to the successor landlord for its
return.

         3. CONFLICT. Except as amended hereby, the Lease shall be and remain in
full force and effect. In the event of any conflict between the terms of the
Lease and the terms of this Amendment, the terms of this Amendment shall
control.

         4. SUCCESSORS AND ASSIGNS. Subject to the terms of SECTION 14 of the
Lease, this Amendment and all of the covenants, terms and conditions hereof
shall inure to the benefit of, and be binding upon, the respective heirs,
executors, administrators, successors and assigns of Landlord and Tenant.

         5. COUNTERPARTS; FACSIMILE. This Amendment may be executed in any
number of identical counterparts, all of which, when taken together, shall
constitute the same instrument. An executed facsimile copy of this Amendment
shall be deemed an original for all relevant purposes.

         6. MORTGAGEES' APPROVALS. This Amendment is contingent upon and made
subject to Landlord obtaining the written approval of Nationwide Life Insurance
Company (and either a written approval of West Coast Life Insurance Company
("WEST") in its capacity as mortgagee or evidence that West is no longer a
mortgagee as a result of its disposition by Nationwide or otherwise)
("MORTGAGEES' APPROVALS") and delivering such Mortgagees' Approvals to Tenant
(unless such written approvals are not required because the loan is paid in full
in which case the Mortgagees' Approvals shall be deemed obtained when Landlord
delivers reasonable evidence thereof).

                           [Signature Page to Follow]

                                       2

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         IN WITNESS WHEREOF, Landlord and Tenant have entered into this
Amendment as of the date first above written.

                                     LANDLORD:

                                     FIRST POINT ASSOCIATES, LLC

                                     By:  Keystone Operating Partnership, L.P.,
                                          a Delaware limited partnership
                                     Its: Sole Member

                                          By:  Keystone Property Trust
                                          Its: Sole General Partner

                                               By: /s/ TIMOTHY A PETERSON
                                                  ------------------------------
                                               Name: TIMOTHY A PETERSON
                                                    ----------------------------
                                               Title: EXECUTIVE VICE PRESIDENT
                                                     ---------------------------

                                     TENANT:

                                     BRIGHTPOINT NORTH AMERICA L.P.,
                                     a Delaware limited partnership

                                     By:  Brightpoint North America, Inc.
                                     Its: Sole General Partner

                                          By: /s/ STEVEN E. FIVEL
                                             -----------------------------------
                                          Name: STEVEN E. FIVEL
                                               ---------------------------------
                                          Title: EXECUTIVE VICE PRESIDENT
                                                --------------------------------
                                                 AND SECRETARY
                                                --------------------------------

Acknowledged and consented to as of
the date first above written in its
capacity as the Guarantor of the
Lease pursuant to that certain
Lease Guaranty dated September 18,
1998:

BRIGHTPOINT, INC.

By:  /s/ STEVEN E. FIVEL
    ---------------------------------
Name:  STEVEN E. FIVEL
      -------------------------------
Title:  EXECUTIVE VICE PRESIDENT,
       ------------------------------
        GENERAL COUNSEL & SECRETARY
       ------------------------------

                                       S-1<PAGE>
                                                                   EXHIBIT 10.50

                                BRIGHTPOINT, INC.
                                   401(k) PLAN
                               (2001 RESTATEMENT)

<PAGE>

                                BRIGHTPOINT, INC.
                                   401(k) PLAN

                                TABLE OF CONTENTS

                                                                            PAGE
                                                                            ----

ARTICLE I  GENERAL PROVISIONS..................................................1

ARTICLE II  DEFINITIONS........................................................1

ARTICLE III  ELIGIBILITY AND PARTICIPATION....................................12

ARTICLE IV  CONTRIBUTIONS.....................................................12

ARTICLE V  ACCOUNTING AND INVESTMENTS.........................................20

ARTICLE VI  VESTING AND FORFEITURES...........................................23

ARTICLE VII  BENEFITS.........................................................24

ARTICLE VIII  ADMINISTRATION..................................................30

ARTICLE IX  CLAIMS PROCEDURES.................................................33

ARTICLE X  LIMITATIONS ON RIGHTS OF EMPLOYEES AND OTHER PERSONS...............34

ARTICLE XI  PROVISIONS DESIGNED TO COMPLY WITH LIMITATIONS ON
            CONTRIBUTIONS AND OTHER ADDITIONS.................................35

ARTICLE XII  AMENDMENT AND TERMINATION OF PLAN................................37

ARTICLE XIII  PROVISIONS RELATING TO TOP-HEAVY PLAN...........................39

ARTICLE XIV  MISCELLANEOUS PROVISIONS.........................................40

<PAGE>

                                BRIGHTPOINT, INC.
                                   401(k) PLAN

                                    ARTICLE I
                               GENERAL PROVISIONS

          Section 1.01. Designation and Purpose. This Plan is a continuation and
complete restatement of the Brightpoint, Inc. 401(k) Plan, originally effective
January 1, 1996. The effective date of the Plan, as amended and restated, is
January 1, 1999, except as otherwise provided in the Plan. For purposes of Code
paragraph 401(a)(27)(B), the Plan is designated a profit sharing plan. The
purposes of the Plan are to assist Employees in the accumulation of funds for
retirement, to encourage Employees to save, and to enhance the interest of
Employees in the efficient and successful operation of the Employer. The Plan is
designed to meet the requirements of Code subsection 401(a), 401(k), and 501(a)
and the requirements of ERISA.

          Section 1.02. Trust Agreement. Effective as of the date of its
execution, the Employer entered into a Trust Agreement with the Trustee,
providing for a trust to support and implement the operation of the Plan. The
Trust Agreement, as amended from time to time, is part of this Plan.

                                   ARTICLE II
                                   DEFINITIONS

          Section 2.01. Terms Defined. As used in the Plan, the following words
and phrases, when capitalized, have the following meanings, except when used in
a context that plainly requires a different meaning:

          "Account" means the record of a Participant's interest in the Trust
Assets.

          "Active Participant" means a Participant who is an Eligible Employee.

          "Aggregation Group" means a Required Aggregation Group or a Permissive
Aggregation Group.

          "Alternate Payee" means an "alternate payee" within the meaning of
Code paragraph 414(q)(8) who is entitled to receive benefits under the Plan.

          "Annual Addition" means, with respect to a Participant for a Plan
Year, the sum of the following amounts credited to a Participant's accounts in
the Plan and in any other defined contribution plan maintained by the Employer
for the Plan Year: Employer contributions; Employee contributions (other than
Rollover Contributions); forfeitures; amounts allocated, after March 31, 1984,
to an individual medical account, as defined in Code paragraph 415(l)(2), that
is part of a pension or annuity plan maintained by the Employer; and amounts
derived from contributions paid or accrued after March 31, 1984, that are
attributable to post-retirement

<PAGE>

medical benefits, allocated to the separate account of a Key Employee, under a
welfare benefit fund, as defined in Code subsection 419(e), maintained by the
Employer.

          "Beneficiary" means the person or persons designated pursuant to
Section 7.04 to receive benefits under the Plan after a Participant's death.

          "Benefit Participant" means, with respect to a Plan Year, a
Participant who (1) completes any anniversary year of service during which he
has completed 1,000 Hours of Service, (2) completes 1,000 Hours of Service
during the Plan Year, and (3) is an Active Participant on the last day of the
Plan Year or Separates from Service during the Plan Year because of death or
Disability or on or after attaining age 65.

          "Board of Directors" means the Company's Board of Directors.

          "Break in Service" means a Plan Year during which an Employee
completes 500 or fewer Hours of Service.

          "Code" means the Internal Revenue Code of 1986, as amended from time
to time, and interpretive rules and regulations.

          "Company" means Brightpoint, Inc.

          "Company Stock" means common stock of the Company.

          "Compensation" means, with respect to an Employee for a Plan Year, the
Employee's wages, as defined in Code subsection 3401(a), for purposes of income
tax withholding at the source, but determined without regard to any rules under
Code subsection 3401(a) that limit the remuneration included in wages based on
the nature or location of the employment or the services performed, such as the
exception for agricultural labor in Code paragraph 3401(a)(2). For Plan Years
beginning after December 31, 1997, "Compensation" also includes amounts that
would have been paid to the Employee during the Plan Year in the absence of a
salary redirection agreement but are excluded from gross income pursuant to Code
sections 125 or 457 or Code Subsections 132(f) or 402(g).

          "Contribution Percentage" means, with respect to a specified group of
Participants for a Plan Year, the average of the Contribution Ratios for the
Participants in that group, calculated to the nearest one-hundredth of one
percent.

          "Contribution Ratio" means, with respect to a Participant for a Plan
Year, the ratio of (1) to (2), calculated to the nearest one-hundredth of one
percent, where (1) is the sum of (A) Matching Contributions and (B) Salary
Redirection Contributions treated as matching contributions pursuant to
paragraph 1.401(m)-1(b)(2) of the proposed federal income tax regulations paid
to the Trust on behalf of the Participant for the Plan Year and (2) is the
Participant's Plan Compensation for the Plan Year. In determining Contribution
Ratios, the following rules will apply:

                                      -2-
<PAGE>

               (1)  Matching Contributions that are used to meet the
          requirements of Code subparagraph 401(k)(3)(A) will be disregarded;

               (2)  A Matching Contribution will be taken into account only if
          it is made on account of the Employee's Salary Redirection
          Contributions for the Plan Year, allocated to the Employee's Matching
          Contribution Account as of a date within the Plan Year, and paid to
          the Trust not later than 12 months after the Plan Year for which it is
          made.

               (3)  All Matching Contributions made under the Plan and any other
          plan aggregated with it for purposes of Code paragraph 401(a)(4) and
          Code subsection 410(b) (other than Code clause 410(b)(2)(A)(ii)) are
          treated as made under the Plan. If the Plan and any other plan are
          permissively aggregated for purposes of Code subsection 401(m), the
          aggregated plans must separately satisfy Code paragraph 401(a)(4) and
          Code subsection 410(b) as though they were a single plan.

               (4)  In determining the Contribution Ratio for a Highly
          Compensated Participant, all Retirement Plans to which matching
          contributions are made and in which the Highly Compensated Participant
          is eligible to participate (other than plans that may not be
          permissively aggregated with this Plan) will be considered, together
          with this Plan to be a single plan.

          "Deferral Percentage" means, with respect to a specified group of
Participants, the average of the Deferral Ratios for the Participants in that
group, calculated to the nearest one-hundredth of one percent.

          "Deferral Ratio" means, with respect to a Participant for a Plan Year,
the ratio of (1) to (2), calculated to the nearest one-hundredth of one percent,
where (1) is the Salary Redirection Contributions paid to the Trust on behalf of
the Participant and (2) is the Participant's Plan Compensation. In determining
Deferral Ratios, the following rules will apply:

               (1)  Salary Redirection Contributions that are used to meet the
          requirements of Code paragraph 401(m)(2);

               (2)  A Salary Redirection Contribution will be taken into account
          only if it relates to Plan Compensation that either would have been
          received by the Participant in the Plan Year (but for the election to
          defer it) or is attributable to services performed by the Participant
          in the Plan Year and would have been received by the Participant
          within 2-1/2 months after the close of the Plan Year (but for the
          election to defer it); it is allocated to the Participant's Salary
          Redirection Account as of a date within the Plan Year and it is
          actually paid to the Trust not later than 12 months after the Plan
          Year for which it is made. For purposes of this Paragraph, a Salary
          Redirection Contribution is considered allocated as of a date.

               (3)  All elective contributions under the Plan and any other plan
          aggregated with it for purposes of Code paragraph 401(a)(4) and Code
          subsection 410(b) (other than Code clause 410(b)(2)(A)(ii) are treated
          as made under the Plan. If the Plan and any

                                      -3-
<PAGE>

          other plan are permissively aggregated for purposes of Code subsection
          401(k), the aggregated plans must separately satisfy Code paragraph
          401(a)(4) and Code subsection 410(b) as though they were a single
          plan.

               (4)  In determining the Deferral Ratio for a Highly Compensated
          Participant, all cash or deferred arrangements in Retirement Plans in
          which the Highly Compensated Participant is eligible to participate
          (other than arrangements that may not be permissively aggregated with
          the arrangement under this Plan) will be considered, together with the
          arrangement under this Plan, to be a single cash or deferred
          arrangement.

          "Determination Date" means, for purposes of determining whether a Plan
is a Top-Heavy Plan for any Plan Year, the last day of the preceding Plan Year;
for the first Plan Year, the last day of the Plan Year.

          "Direct Rollover" means a payment by the Plan to the Eligible
Retirement Plan specified by the Distributee.

          "Disability" means the inability to engage in any substantial gainful
activity by reason of any medically determinable physical or mental impairment
that can be expected to last for a continuous period of not less than 12 months.
The Employer's determination with respect to the permanence and degree of the
physical or mental impairment will be supported by competent medical evidence
and will be subject to review in accordance with the provisions of Article IX.

          "Distributee" means an Employee or former Employee. In addition, the
Employee's or former Employee's surviving Spouse and the Employee's or former
Employee's Spouse or former Spouse, who is the alternate payee under a Qualified
Domestic Relations Order, are Distributees with regard to the interest of the
Spouse or former Spouse.

          "Effective Date" means January 1, 1996.

          "Elective Deferrals" has the meaning given to that term by Code
paragraph 402(g)(3).

          "Eligible Employee" means all Employees of an Employer except:

               (1)  Employees who are members of a collective bargaining unit;
          and

               (2)  Employees who are nonresident aliens, within the meaning of
          Code section 7701(b)(1)(B) and who receive no earned income, within
          the meaning of Code section 911(d)(2) from the Employer which
          constitutes income from sources within the United States, within the
          meaning of Code Section 861(a)(3).

          "Eligible Retirement Plan" means an individual retirement account
described in Code subsection 408(a), an individual retirement annuity described
in Code subsection 408(b), an annuity plan described in Code subsection 403(a),
or a qualified trust described in Code subsection 401(a), that accepts the
Distributee's Eligible Rollover Distribution. However, in the

                                      -4-
<PAGE>

case of an Eligible Rollover Distribution to a surviving Spouse, an Eligible
Retirement Plan is an individual retirement account or individual retirement
annuity.

          "Eligible Rollover Distribution" means any distribution of all or any
portion of the balance to the credit of the Distributee, except that an Eligible
Rollover Distribution does not include: any distribution that is one of a series
of substantially equal periodic payments (not less frequently than annually)
made for the life (or life expectancy) of the Distributee or the joint lives (or
joint life expectancies) of the Distributee and the Distributee's Beneficiary,
or for a specified period of 10 years or more; any distribution to the extent
such distribution is required under Code paragraph 401(a)(9); the portion of any
distribution that is not includable in gross income (determined without regard
to the exclusion for net unrealized appreciation with respect to employer
securities); and any hardship distribution described in Code section
401(k)(2)(B)(i)(IV).

          "Employee" means any person employed by the Employer. For purposes of
crediting service for eligibility to participate and vesting and, except as
otherwise provided, for purposes of the rules set out in Articles XI (with
respect to contribution limitations) and XIII (with respect to Top-Heavy Plans),
the term "Employee" includes a "leased employee"; provided, however, that an
individual will not become a Participant unless he is an Employee without regard
to this sentence. For the purpose of this Subsection, a "leased employee" is any
person who performs services for another person, the "recipient," but who is not
an employee of the recipient, if (1) the services are provided pursuant to an
agreement between the recipient and any other person, (2) the person has
performed the services for the recipient (or for the recipient and related
persons) on a substantially full-time basis for a period of at least one year,
and (3) effective January 1, 1997, the services are performed under the primary
direction and control of the recipient. A leased employee will not be considered
an employee of the recipient if:

               (1)  the employee is covered by a money purchase pension plan
          providing:

                    (a) a non-integrated employer contribution rate of at least
               10% of compensation, as defined in Code paragraph Section
               415(c)(3), but including amounts contributed pursuant to a salary
               reduction agreement that are excludable from the employee's gross
               income under Code Section 125, paragraph 402(a)(8), subsection
               402(h) or subsection 403(b),

                    (b) immediate participation, and

                    (c) full and immediate vesting; and

               (2)  leased employees do not constitute more than 20% of the
          recipient's non-highly compensated workforce.

          "Employer" means the Company and any Related Employer that adopts the
Plan. For purposes of crediting service for eligibility to participate and
vesting, the term "Employer" includes Allied Communications, Wireless
Fulfillment Services LLC, and any Related

                                      -5-
<PAGE>

Employer. Except as otherwise provided, for purposes of the rules set out in
Articles XI and XIII, the term "Employer" includes any Related Employer.

          "Entry Date" means each January 1, April 1, July 1 and October 1.

          "ERISA" means the Employee Retirement Income Security Act of 1974, as
amended from time to time, and interpretive rules and regulations.

          "Fund" means a fund described in or established pursuant to Section
5.02.

          "Highly Compensated Participant" means, effective January 1, 1997, a
Participant who is a highly compensated active Employee or highly compensated
former Employee.

               (1)  A highly compensated active Employee includes any Employee
          who performs service for the Employer during the Plan Year and who (A)
          is a 5% owner for that Plan Year or was a 5% owner for the preceding
          Plan Year; or (B) for the preceding Plan Year (i) received
          compensation in excess of $80,000 (as adjusted pursuant to Code
          subsection 415(d)); and was a member of the Top Paid Group for the
          Plan Year.

               (2)  A highly compensated former Employee includes any Employee
          who terminated employment (or was deemed to have terminated
          employment) prior to the Plan Year, performs no service for the
          Employer during the Plan Year, and was a highly compensated active
          Employee for either the Plan Year during which he terminated
          employment or any Plan Year ending on or after the Employee's 55th
          birthday.

          "Hour of Service" means each hour for which an Employee is entitled to
credit under this Subsection.

               (1)  An Employee is entitled to credit for each hour for which he
          is paid, or entitled to payment, for the performance of duties for the
          Employer. Subject to the provisions of Paragraph (6), an Hour of
          Service described in this Paragraph will be credited to an Employee
          for the computation period in which the duties are performed.

               (2)  An Employee is entitled to credit for each hour for which he
          is paid, or entitled to payment, by the Employer on account of a
          period during which no duties are performed (irrespective of whether
          the employment relationship has terminated) due to vacation, holiday,
          illness, incapacity (including disability), layoff, jury duty,
          military duty, or leave of absence; provided, however, that no Hours
          of Service will be credited under this Paragraph if payment is made or
          due solely to reimburse an Employee for medical or medically related
          expenses or solely for the purpose of complying with applicable
          workers' compensation, unemployment compensation, or disability
          insurance laws. Not more than 501 Hours of Service will be credited to
          an Employee on account of any single continuous period during which
          the Employee performs no duties (whether or not this period occurs in
          a single Plan Year) unless the Hours of Service are credited pursuant
          to Paragraph (4). Subject to the provisions of Paragraph (6), an Hour
          of Service

                                      -6-
<PAGE>

          credited to an Employee pursuant to this Paragraph will be credited to
          the computation period or periods during which no duties are
          performed.

               (3)  An Employee is entitled to credit for each hour for which
          back pay, irrespective of mitigation of damages, is either awarded or
          agreed to by the Employer. The same Hour of Service will not be
          credited under Paragraph (1) or Paragraph (2), as the case may be, and
          under this Paragraph. An Hour of Service described in this Paragraph
          will be credited to the computation period or periods to which the
          award or agreement for back pay pertains, rather than to the
          computation period in which the award, agreement, or payment is made.

               (4)  For eligibility and vesting purposes only, "Hours of
          Service" will be credited to an Employee for military leave for
          training or service, or both, if that Employee is entitled to be
          credited for his period of military leave upon his reemployment with
          the Employer under applicable federal law. An Employee will be
          credited with 190 Hours of Service for each month of military leave.

               (5)  Solely for purposes of determining whether a Break in
          Service has occurred in a computation period after 1984 for
          eligibility and vesting purposes, an Employee who is absent from work
          for maternity or paternity reasons will receive credit for the Hours
          of Service that would otherwise have been credited to the individual
          but for the absence, or in any case in which such hours cannot be
          determined, 8 Hours of Service per day of the absence. For purposes of
          this Paragraph, an absence from work for maternity or paternity
          reasons means an absence (A) by reason of the pregnancy of the
          individual, (B) by reason of a birth of a child of the individual, (C)
          by reason of the placement of a child with the individual in
          connection with the adoption of the child by the individual, or (D)
          for purposes of caring for the child for a period beginning
          immediately following its birth or placement. The total number of
          hours treated as Hours of Service under this Paragraph by reason of
          any absence may not exceed 501. The Hours of Service credited under
          this Paragraph will be credited (A) to the computation period in which
          the absence begins if the crediting is necessary to prevent a Break in
          Service in that period, or (B) in all other cases, to the following
          computation period. No Hours of Service will be credited pursuant to
          this Paragraph unless the individual furnishes to the Plan
          Administrator such timely information as the Plan Administrator may
          reasonably require to establish (A) that the absence from work is for
          reasons referred to in this Paragraph and (B) the number of days of
          the absence.

               (6)  All regulations promulgated by the U.S. Secretary of Labor
          or his delegate applicable to the computation and crediting of Hours
          of Service under ERISA, including 29 C.F.R. ss. 2530.200b-2, are
          hereby incorporated as part of the Plan. The provisions of the Plan
          are intended to comply with the regulations and will be construed and
          applied to effect compliance.

                                      -7-
<PAGE>

          "Key Employee" means the following:

               (1)  Any Employee or former Employee (including a Beneficiary of
          the Employee or former Employee) who at any time during the Plan Year
          or any of the 4 preceding Plan Years is included in a classification
          described in Paragraph (2), determined in accordance with the rules of
          Code paragraph 416(i)(1).

               (2)  The following are Key Employee classifications:

                    (A) an officer of the Employer having an annual Top-Heavy
               Compensation greater than 50% of the amount in effect under Code
               subparagraph 415(b)(1)(A) for the Plan Year;

                    (B) one of the 10 Employees having an annual Top-Heavy
               Compensation from the Employer of more than the limitation in
               effect under Code subparagraph 415(c)(1)(A) and owning (or
               considered as owning within the meaning of Code section 318) the
               largest interests of the Employer;

                    (C) a person owning (or considered as owning within the
               meaning of Code section 318) more than 5% of the outstanding
               stock of the Employer or stock possessing more than 5% of the
               total combined voting power of all stock of the Employer; or

                    (D) a person who has an annual Top-Heavy Compensation from
               the Employer of more than $150,000 and who would be described in
               Subparagraph (C) if 1% were substituted for 5%.

          "Matching Account" means a Participant's Account attributable to
Matching Contributions.

          "Matching Contribution" means a contribution made on behalf of a
Participant pursuant to Section 4.04.

          "Non-Highly Compensated Participant" means an Active Participant who
is not a Highly Compensated Participant.

          "Non-Key Employee" means any Employee (including a Beneficiary of the
Employee) who is not a Key Employee.

          "Participant" means an Employee or former Employee who has satisfied
the participation requirements of Section 3.01 and has not ceased to be a
Participant pursuant to Section 3.04.

          "Permissive Aggregation Group" is any group of Retirement Plans
selected by the Employer that includes those Retirement Plans in the Required
Aggregation Group, if the group meets the requirements of Code paragraph
401(a)(4) and Code section 410.

                                      -8-
<PAGE>

          "Plan" means the Brightpoint, Inc. 401(k) Plan, as amended from time
to time.

          "Plan Administrator" means the plan administrator designated in
Section 8.01.

          "Plan Compensation" means, effective January 1, 1997, with respect to
an Employee for a Plan Year, Compensation paid by the Employer to the Employee
during the Plan Year but, in no event will a Participant's Plan Compensation
exceed $150,000, as adjusted to reflect increases in the limitation pursuant to
Code paragraph 401(a)(17).

          "Plan Year" means the calendar year.

          "Profit Sharing Account" means a Participant's Account attributable to
Profit Sharing Contributions.

          "Profit Sharing Contribution" means a contribution made pursuant to
Section 4.06.

          "QNEC" means a contribution made to the plan pursuant to Section 4.08.

          "Qualified Domestic Relations Order" means a qualified domestic
relations order within the meaning of Code subsection 414(p).

          "Related Employer" means any employer that together with the Employer
is under common control or a member of an affiliated service group, as
determined under Code subsections 414(b), (c), (m), and (o). In determining
whether an Employer is a member of a controlled group for purposes of Article
XI, the rules of Code subsections 414(b) and (c) will be applied as modified by
Code subsection 415(h).

          "Required Aggregation Group" is a group of Retirement Plans
comprising:

               (1)  each Retirement Plan of the Employer, including any
          terminated Retirement Plan, in which a Key Employee has been a
          Participant in the Plan Year containing the Determination Date or any
          of the 4 preceding Plan Years;

               (2)  each other Retirement Plan of the Employer that has enabled
          a Retirement Plan described in Paragraph (1) to meet the requirements
          of Code paragraph 401(a)(4) or Code section 410 during the period
          described in Paragraph (1).

          "Retirement Plan" means a retirement program of the Employer intended
to qualify under Code subsection 401(a).

          "Rollover Account" means a Participant's Account attributable to
Rollover Contributions.

          "Rollover Contribution" means a contribution made by an Eligible
Employee pursuant to Section 4.07.

                                      -9-
<PAGE>

          "Salary Redirection Account" means a Participant's Account
attributable to Salary Redirection Contributions.

          "Salary Redirection Contribution" means a contribution made on behalf
of an Active Participant pursuant to Section 4.02.

          "Secretary" means the U.S. Secretary of Treasury or his delegate.

          "Separates from Service" or "Separation from Service" means any
termination of the employment relationship between an Employee and the Employer;
provided, however, that it does not mean:

               (1)  temporary absence of the Employee due to vacation, sickness,
          strike, seasonal layoff, or similar cause,

               (2)  a leave of absence for any reason approved by the Employer
          on a nondiscriminatory basis, or

               (3)  military leave to the extent that the Employee is credited
          with Hours of Service for the leave.

For purposes of this Subsection, the term "Employer" includes all Related
Employers, and an Employee or former Employee will not be treated as having
incurred a Separation from Service until the employment relationship between the
Employee and all Related Employers is terminated.

          "Spouse" means a person legally married to a Participant. Except as
otherwise required by ERISA or the Code, neither common law marriage nor any
similar relationship will be recognized as marriage for purposes of the Plan. A
former Spouse will also be considered a Spouse to the extent provided under a
Qualified Domestic Relations Order.

          "Top-Heavy Compensation" means, with respect to an Employee for a Plan
Year, the Employee's Plan Compensation for the Plan Year, plus the Employee's
elective contributions to a cafeteria plan (within the meaning of Code section
125), any simplified employee pension plan (within the meaning of Code
subsection 408(k)), any cash or deferred arrangement (within the meaning of Code
subsection 401(k)), or any tax-sheltered annuity (within the meaning of Code
subsection 403(b)).

          "Top-Heavy Group" means an Aggregation Group described in Subsection
13.02(b).

          "Top-Heavy Plan" means a Retirement Plan described in Subsection
13.02(a).

          "Top Paid Group" means the group consisting of the top twenty percent
of Employees when ranked on the basis of Compensation paid during the Plan Year.

          "Trust" means the trust established by the Employer under the Plan.

                                      -10-
<PAGE>

          "Trust Agreement" means the agreement between the Employer and the
Trustee establishing the Trust to implement and support the operation of the
Plan.

          "Trust Assets" means the assets of the Trust regardless of the Fund in
which those assets are invested.

          "Trustee" means the original trustee of the Trust and any person
becoming successor trustee of the Trust.

          "Valuation Date" means each business day during the Plan Year.

          "Year of Vesting Service" means, for any Employee, a Plan Year during
which the Employee has completed not fewer than 1,000 Hours of Service;
provided, however, that the following will not be considered Years of Vesting
Service:

               (1)  For purposes of determining the vested percentage of a
          Participant's Accounts that accrued before five or more consecutive
          Breaks in Service, Years of Vesting Service occurring after the Breaks
          in Service;

               (2)  For purposes of determining the vested percentage of a
          Participant's Accounts, Years of Vesting Service before 5 or more
          consecutive Breaks in Service, if the number of consecutive Breaks in
          Service equals or exceeds the Years of Vesting Service credited to the
          Employee before the Breaks in Service occurred, and the Participant
          was not vested in any portion of his Accounts at the time the Breaks
          in Service occurred.

          Section 2.02. Rules of Construction. The following rules of
construction will govern in interpreting the Plan:

          (a)  In resolving any conflict between provisions of this Plan and in
resolving any other uncertainty as to the meaning or intention of any provision
of this Plan, the interpretation that will prevail is the interpretation that
(1) causes the Plan to constitute a qualified plan under the provisions of Code
section 401, with the contributions of the Employer to the Trust as items
deductible by the Employer from net income for federal income tax purposes, (2)
causes the Plan to contain a qualified cash or deferred arrangement described in
Code subsection 401(k), and (3) causes the Plan to comply with all applicable
requirements of ERISA.

          (b)  Other than as specified in Subsection (a), the provisions of this
Plan will be construed and governed in all respects under and by the internal
laws of the State of Indiana.

          (c)  Words used in the masculine gender will be construed to include
the feminine gender, where appropriate, and vice versa.

          (d)  Words used in the singular will be construed to include the
plural, where appropriate, and vice versa.

                                      -11-
<PAGE>

          (e)  The headings and subheadings in the Plan are inserted for
convenience of reference only and are not to be considered in the construction
of any provision of the Plan.

          (f)  If any provision of this Plan will be held to violate the Code or
ERISA or be illegal or invalid for any other reason, that provision will be
deemed to be null and void, but the invalidation of that provision will not
otherwise impair or affect the Plan.

                                   ARTICLE III
                          ELIGIBILITY AND PARTICIPATION

          Section 3.01. Date of Participation. An Eligible Employee will begin
participation in the Plan as follows:

          (a)  An Eligible Employee will become a Participant as of the first
Entry Date on or after he has both reached age 18 and completed 120 days of
service.

          (b)  A former Eligible Employee who has previously reached age 18 and
completed 120 days of service, but who is not a Participant, will become a
Participant on the date he first completes an Hour of Service after his
reemployment as an Eligible Employee.

          Section 3.02. Notification of Eligibility. Within a reasonable time
before each Entry Date, the Plan Administrator will give notice to Employees
expected to become Participants on that Entry Date informing them of their
status.

          Section 3.03. Completion of Forms by Participants and Beneficiaries.
Each Participant and Beneficiary will complete any forms and furnish any proofs
or information required by the Plan Administrator.

          Section 3.04. Cessation of Participation. A Participant will cease to
be a Participant on the date as of which (1) he is no longer an Eligible
Employee and (2) all of his vested Accounts have been distributed.

                                   ARTICLE IV
                                  CONTRIBUTIONS

          Section 4.01. Trust Fund. All contributions under the Plan will be
paid or transferred to the Trustee to be held, managed, invested, and
distributed in accordance with the provisions of the Plan and Trust Agreement.
All benefits under the Plan will be distributed solely from the Trust Assets,
and the Employer will have no liability for those benefits.

          Section 4.02. Salary Redirection Contributions. An Active Participant
may elect to have Salary Redirection Contributions made to the Plan as follows:

                                      -12-
<PAGE>

          (a)  The Active Participant may elect to have Salary Redirection
Contributions made on his behalf by entering into a written salary redirection
agreement with the Employer that authorizes payroll deductions equal to a
selected whole percentage from 1% to 15% of his Plan Compensation, but not more
than the elective deferral limitation set forth in Code paragraph 402(g)(1) (as
adjusted from time to time pursuant to Code paragraph 402(g)(5)) for a Plan
Year; provided, however, that any election will be subject to reduction by the
Plan Administrator in accordance with Section 4.03.

          (b)  To begin, or change the rate of, Salary Redirection Contributions
as of a particular Entry Date, an Active Participant must deliver a completed
salary redirection agreement to the Plan Administrator at least 15 days before
that Entry Date. The Plan Administrator may, however, accept late elections if
it failed to give the Active Participant adequate notice of his eligibility to
make Salary Redirection Contributions or under other extenuating circumstances
deemed appropriate by the Plan Administrator. An Active Participant may
discontinue his Salary Redirection Contributions any time by giving written
notice to the Plan Administrator. No election to make, discontinue, or change
the rate of Salary Redirection Contributions will be given retroactive effect.

          (c)  A former Eligible Employee who is or becomes an Active
Participant upon reemployment may elect to have Salary Redirection Contributions
made on his behalf by signing and delivering to the Plan Administrator a salary
redirection agreement within 10 days of his reemployment date, in which case the
election will be given effect as of the next payroll period.

          (d)  Salary Redirection Contributions will be paid in cash to the
Trustee by the Employer within a reasonable period after they are withheld from
an Active Participant's pay and in no event later than the 15th business day of
the month following the month in which they were withheld.

          (e)  Salary Redirection Contributions made on behalf of an Active
Participant with respect to a Plan Year will be allocated to the Participant's
Salary Redirection Account as of the earlier of the date on which they are
contributed to the Trust or the last day of the Plan Year.

          (f)  The Plan Administrator may establish additional nondiscriminatory
rules and procedures governing the manner and timing of an Active Participant's
elections to make, change, or discontinue Salary Redirection Contributions,
provided that the rules and procedures are consistent with the Plan.

          (g)  Effective January 1, 1996, and notwithstanding any other
provisions of this Plan, a Participant who is credited with Hours of Service
because of a period of service in the uniformed services of the United States
may elect to contribute to the Plan the Salary Redirection Contributions that
would have been made on the Participant's behalf pursuant to this Section had he
remained an Active Participant throughout that period of military service
("make-up contributions"). The amount of make-up contributions will be
determined based on Plan Compensation in effect immediately prior to the period
of military service and the terms of the Plan in effect at that time. Any
make-up contributions will be limited as provided in Section 4.03 with respect
to the Plan Year to which the contributions relate rather than the Plan

                                      -13-
<PAGE>
Year in which the make-up contributions are made. Any make-up contributions
pursuant to this Subsection will be made during the period, beginning on the
date of reemployment, the duration of which is the lesser of 3 times the period
of absence or 5 years. Investment earnings and losses on make-up contributions
will be credited under Article V commencing with the date the make-up
contribution is made. Make-up contributions will be treated as Annual Additions
with respect to the Plan Year to which the contributions relate rather than the
Plan Year in which they are paid to the Trust.

         Section 4.03. Limitation on Salary Redirection Contributions. Effective
January 1, 1997, the amount of Salary Redirection Contributions made on behalf
of Participants will be subject to the following limitations:

         (a) Salary Redirection Contributions made on behalf of Highly
Compensated Participants for a Plan Year will not result in a Deferral
Percentage for Highly Compensated Participants that exceeds the greater of:

                  (1) 1.25 times the Deferral Percentage for Non-Highly
         Compensated Participants for the preceding Plan Year; or

                  (2) the lesser of (A) two times the Deferral Percentage for
         Non-Highly Compensated Participants for the preceding Plan Year or (B)
         two percentage points more than the Deferral Percentage for Non-Highly
         Compensated Participants for the preceding Plan Year.

In determining the Deferral Percentage for a group for a Plan Year, all
"eligible employees" will be taken into account. For this purpose, an "eligible
employee" for a Plan Year is any Employee who is directly or indirectly eligible
to make a Salary Redirection Contribution for all or a portion of the Plan Year
and includes an Employee who would be eligible to make a Salary Redirection
Contribution but does not because he failed to make an election pursuant to
Section 4.02, his contributions were suspended on account of his inability to
make a withdrawal pursuant to Section 7.05, or the Salary Redirection
Contribution would cause the limitation of Article XI to be exceeded.

         (b) At such other times as it deems advisable, the Plan Administrator
will evaluate the Plan's operation to assure that Salary Redirection
Contributions elected by Highly Compensated Participants do not cause the
limitations of Subsection (a) to be exceeded. To the extent that Highly
Compensated Participants' elected Salary Redirection Contributions cause the
limitations of Subsection (b) to be exceeded, the excess Salary Redirection
Contributions will be determined, allocated, and distributed as follows:

                  (1) The Deferral Ratio of the Highly Compensated Participant
         with the highest Deferral Ratio will be reduced to the higher of (A)
         the Deferral Ratio necessary to enable the Plan to satisfy the
         limitations of Subsection (a) or (B) the Deferral Ratio of the Highly
         Compensated Participant with the next highest Deferral Ratio. The
         foregoing process will be repeated until the limitations of Subsection
         (a) are satisfied.

                                      -14-
<PAGE>

                  (2) The total dollar amount of excess Salary Redirection
         Contributions determined under Paragraph (1) will be allocated among
         Highly Compensated Participants by reducing the Salary Redirection
         Contributions of the Highly Compensated Participant with the highest
         dollar amount of Salary Redirection Contributions until (A) the total
         amount of the excess Salary Redirection Contributions have been
         allocated or (B) his remaining Salary Redirection Contributions are
         equal in dollar amount to the Salary Redirection Contributions of the
         Highly Compensated Participant with the next highest dollar amount.
         That process will be repeated until all excess Salary Redirection
         Contributions are allocated. The excess Salary Redirection
         Contributions allocated to a Highly Compensated Participant, together
         with all income allocable thereto, will be distributed to him within
         one year after the end of the Plan Year for which the contributions
         were made.

         (c) If Elective Deferrals with respect to a Participant for a calendar
year exceed the limitation of Code paragraph 402(g)(1) (as adjusted from time to
time pursuant to Code paragraph 402(g)(5)), the Participant will notify the Plan
Administrator not later than March 1 of the following year of the portion of the
excess Elective Deferrals allocable to the Plan. If the Plan Administrator
receives notice from a Participant pursuant to the preceding sentence, the Plan
Administrator will cause the Trustee to distribute to the Participant not later
than the following April 15 the portion of the excess Elective Deferrals
allocable to the Plan and any income attributable to that portion.

         Section 4.04.  Matching Contributions.  The Employer will make Matching
Contributions to the Plan as provided in this Section.

         (a) Except as otherwise provided in this Section, for each Plan Year,
the Employer will contribute to the Plan on behalf of each Benefit Participant a
Matching Contribution equal to 25% of the Benefit Participant's Salary
Redirection Contributions not in excess of 6% of the Benefit Participant's Plan
Compensation.

         (b) Effective for Plan Years beginning January 1, 2000, the Employer
will contribute to the Plan on behalf of each Benefit Participant a Matching
Contribution equal to a designated percentage of the Benefit Participant's
Salary Redirection Contribution for the Plan Year not in excess of a designated
percentage of the Participant's Plan Compensation for the Plan Year. The
percentages referred to in the preceding sentence will be uniform with respect
to all Participants entitled to a Matching Contribution, will be determined by
the Board of Directors prior to the beginning of the Plan Year, and will be
announced to Active Participants within a reasonable period prior to the
beginning of the Plan Year. The Employer may also contribute to the Plan on
behalf of each Benefit Participant an additional Matching Contribution equal to
a designated percentage of the Participant's Salary Redirection Contribution for
the Plan Year not in excess of a designated percentage of the Participant's
Compensation for the Plan Year. The percentages referred to in the preceding
sentence will be uniform with respect to all Participants entitled to a Matching
Contribution and will be determined by the Board of Directors prior to the end
of the Plan Year.

                                      -15-
<PAGE>

         (c) Notwithstanding the foregoing, the Employer will not make a
Matching Contribution on behalf of a Highly Compensated Participant for a Plan
Year to the extent that it would cause the limitations of Subsection 4.05(a) or
(b) to be exceeded for the Plan Year. Matching Contributions will be allocated
to the Matching Account of the Benefit Participant on whose behalf they were
made. Matching Contributions for a Plan Year will be paid to the Trustee not
later than the tax return due date for the Employer's tax year beginning with or
during the Plan Year and will be allocated as of the last day of the Plan Year.

         (d) Matching Contributions may be made in cash or Company Stock,
including treasury shares or newly issued shares, as determined by the Board of
Directors in its sole discretion.

         Section 4.05. Limitation on Matching Contributions. Effective January
1, 1997, the amount of Matching Contributions that may be allocated to the
Accounts of Highly Compensated Participants will be subject to the following
limitations:

         (a) Matching Contributions allocated to the Accounts of Highly
Compensated Participants for a Plan Year will not result in a Contribution
Percentage for Highly Compensated Participants that exceeds both:

                  (1) 1.25 times the Contribution Percentage for Non-Highly
         Compensated Participants for the preceding Plan Year; and

                  (2) the lesser of (A) two times the Contribution Percentage
         for Non-Highly Compensated Participants for the preceding Plan Year, or
         (B) two percentage points more than the Contribution Percentage for
         Non-Highly Compensated Participants for the preceding Plan Year.

         (b) Matching Contributions allocated to the Accounts of Highly
Compensated Participants for a Plan Year will not cause the sum of the Deferral
Percentage and the Contribution Percentage for Highly Compensated Participants
to exceed the greater of (1) or (2) where:

                  (1) is the sum of (A) plus (B), where (A) is 1.25 times the
         greater of the Deferral Percentage for Non-Highly Compensated
         Participants for the preceding Plan Year or the Contribution Percentage
         for Non-Highly Compensated Participants for the preceding Plan Year;
         and (B) is the lesser of (i) two percentage points plus the lesser of
         the Deferral Percentage of the Non-Highly Compensated Participants or
         the Contribution Percentage of the Non-Highly Compensated Participants,
         and

                  (2) is the sum of (A) plus (B), where (A) is 1.25 times the
         lesser of the Deferral Percentage for Non-Highly Compensated
         Participants or the Contribution Percentage for Non-Highly Compensated
         Participants and (B) is the lesser is (i) two percentage points plus
         the greater of the Deferral Percentage of the

                                      -16-
<PAGE>
         Non-Highly Compensated Participants or the Contribution Percentage of
         the Non-Highly Compensated Participants or (ii) two times the greater
         of the Deferral Percentage of the Non-Highly Compensated Participants
         or the Contribution Percentage of the Non-Highly Compensated
         Participants.

The provisions of this Subsection (b) will apply only if the Deferral Percentage
for Highly Compensated Participants for the Plan Year exceeds 1.25 times the
Deferral Percentage for Non-Highly Compensated Participants for the preceding
Plan Year and the Contribution Percentage for Highly Compensated Participants
for the Plan Year exceeds 1.25 times the Contribution Percentage for Non-Highly
Compensated Participants for the preceding Plan Year.

         (c) To the extent that, due to an error, the limitations of Subsection
(a) are exceeded for a Plan Year, the excess Matching Contributions will be
determined, allocated and distributed as follows:

                  (1) The Contribution Ratio of the Highly Compensated
         Participant with the highest Contribution Ratio will be reduced to the
         higher of (A) the Contribution Ratio necessary to enable the Plan to
         satisfy the limitations of subsection (a) or (B) the Contribution Ratio
         of the Highly Compensated Participant with the next highest
         Contribution Ratio. The foregoing process will be repeated until the
         limitations of subsection (a) are satisfied. The portion of any
         Matching Contribution attributable to a reduction in a Participant's
         Contribution Ratio pursuant to this Paragraph will be regarded as an
         Excess Matching Contribution.

                  (2) The total dollar amount of excess Matching Contributions
         will be allocated among Highly Compensated Participants by reducing the
         Matching Contributions of the Highly Compensated Participant with the
         highest dollar amount of Matching Contributions until (A) the total
         amount of excess Matching Contributions have been allocated or (B) his
         remaining Matching Contributions are equal in dollar amount to the
         Matching Contributions of the Highly Compensated Participant with the
         next highest dollar amount. This process should be repeated until all
         excess Matching Contributions are allocated.

                  (3) The Trustee will distribute any vested excess Matching
         Contribution, together with all income allocable thereto, to the Highly
         Compensated Participant to whom they were allocated pursuant to
         Paragraph (2) within one year after the end of the Plan Year for which
         they were made. Any non-vested excess Matching Contribution allocated
         to a Highly Compensated Participant for a Plan Year pursuant to
         paragraph (2), together with all income allocable thereto, will be
         forfeited as of the last day of the Plan Year and treated as provided
         in Section 6.04.

         (d) To the extent that, due to an error, after the application of
Subsection (c), the limitations of Subsection (b) are exceeded for a Plan Year,
excess Matching Contributions will be determined, allocated, and distributed as
follows:

                  (1) The Contribution Ratio of the Highly Compensated
         Participant with the highest Contribution Ratio will be reduced to the
         higher of (A) the Contribution Ratio necessary to enable the Plan to
         satisfy the limitations of Subsection (b) and (B) the

                                      -17-
<PAGE>
         Contribution Ratio of the Highly Compensated Participant with the next
         highest Contribution Ratio. The foregoing process will be repeated
         until the limitations of Subsection (b) are satisfied. The portion of
         any Matching Contribution attributable to a reduction in a
         Participant's Contribution Ratio pursuant to this Paragraph (1) will be
         regarded as an excess Matching Contribution.

                  (2) To the extent necessary to ensure compliance with
         Subsection (b), the total dollar amount of excess Matching
         Contributions will be allocated to some or all Highly Compensated
         Participants by reducing the Matching Contributions of the Highly
         Compensated Participant with the highest dollar amount of Matching
         Contributions by the lesser of (A) the amount required to cause that
         Participant's Matching Contributions to equal the Matching
         Contributions of the Highly Compensated Participant with the next
         highest dollar amount or (B) an amount equal to the total amount of
         excess Matching Contributions. This process will be repeated until all
         excess Matching Contributions are allocated.

                  (3) The vested excess Matching Contributions allocated to a
         Highly Compensated Participant pursuant to Paragraph (2), together with
         all income allocable to them, will be distributed to the Participant
         within one year after the end of the Plan Year for which they were
         made. Any non-vested excess Matching Contributions allocated to a
         Highly Compensated Participant pursuant to Paragraph (2), together with
         all income allocable to them, will be forfeited as of the last day of
         the Plan Year for which the contributions were made and treated as
         provided in Section 6.04.

         (e) In determining the Contribution Percentage for any group of
Participants, the Contribution Ratios of all "eligible employees" will be taken
into account. For this purpose, an "eligible employee" is any Employee who is
directly or indirectly eligible to receive a Matching Contribution and includes
an Employee who would be eligible to receive a Matching Contribution but for his
failure to make an election pursuant to Section 4.02.

         Section 4.06. Profit Sharing Contributions. The Employer will
contribute to the Trust for each Plan Year that amount, if any, determined by
the Board of Directors, provided that the amount of the Profit Sharing
Contribution, when added to all Salary Redirection Contributions and Matching
Contributions for the Plan Year, will not exceed the amount allowable as a
deduction from the Employer's income for federal income tax purposes. Profit
Sharing Contributions for a Plan Year will be paid to the Trustee not later than
the tax return due date for the Employer's tax year ending with or during the
Plan Year and will be allocated as of the last day of the Plan Year among the
Profit Sharing Accounts of Benefit Participants in proportion to their Plan
Compensation. Notwithstanding the foregoing provisions of this Section, the
Employer will not make a Profit Sharing Contribution on behalf of a Participant
to the extent that it would cause the limitations of Section 11.02 to be
exceeded with respect to that Participant for the Plan Year.

         Section 4.07. Rollover Contributions. At any time during a Plan Year,
an Eligible Employee (regardless of whether he has satisfied the requirements
for participation) may make a cash Rollover Contribution to the Trust, provided
that the Eligible Employee establishes to the

                                      -18-
<PAGE>
satisfaction of the Plan Administrator that the contribution satisfies all
applicable requirements of Code sections 402 and 408 and any other criteria that
the Plan Administrator may establish from time to time to ensure that the
contribution will not adversely affect the Plan's qualified status. Amounts will
be allocated to the Rollover Account of the Eligible Employee who made the
contribution as of the date it is received by the Trustee.

         Section 4.08. Qualified Nonelective Contributions. In lieu of
distributing excess contributions as provided in Subsection 4.03(b), the
Company, in its sole discretion, may make a QNEC to the Plan. The QNEC will
first be allocated to the Account of the Participant with the lowest amount of
Compensation for the Plan Year being tested until the Annual Addition to that
Participant's Account for the Plan Year reaches the Code subsection 415(c)
limit. Any remaining QNEC will then be allocated to the Account of the
Participant with the next lowest amount of Compensation in the Plan Year being
tested until the Annual Additions to that Participant's Account for the Plan
Year reach the Code subsection 415(c) limit. This process will be repeated until
the QNEC has been entirely allocated. For purposes of this Section 4.08, a
"qualified nonelective contribution" means an Employer contribution that (1)
Participants may not elect to receive in cash in lieu of a contribution to the
Plan on their behalf, and (2) satisfies the distribution and nonforfeitability
requirements of Code subparagraphs 401(k)(2)(B) and (C) and 26 C.F.R.
ss.1.401(k)-1(b)(5).

         Section 4.09.  Minimum Contribution Requirement.  If the Plan is a
Top-Heavy Plan for a Plan Year, the minimum benefit requirements of Code
subsection 416(c) will be satisfied by the Employer as follows:

         (a) the Employer will contribute on behalf of each Non-Key Employee who
is both a Participant and an Employee on the last day of the Plan Year
(regardless of the Participant's Hours of Service during the Plan Year) a
contribution that, together with any contribution otherwise made on behalf of
the Employee to the Plan or another defined contribution plan of the Employer,
is not less than the lesser of (1) 3% of the Employee's Plan Compensation for
the Plan Year or (2) the percentage at which contributions are made (or required
to be made) under the Plan and under any other defined contribution plan for the
Plan Year for the Key Employee for whom the percentage is the highest for the
Plan Year. That percentage will be determined for each Key Employee by dividing
the contributions for that Employee by his Plan Compensation for the Plan Year.

         (b) A Non-Key Employee who is a Participant at the end of the Plan Year
and who has at least 1,000 Hours of Service for the Plan Year under a top-heavy
defined benefit plan of the Employer will receive, instead of the minimum
contribution provided in Subsection (a), an accrued benefit under the defined
benefit plan that is at least as large as the defined benefit provided for in
the following sentence. The minimum accrued benefit required by the preceding
sentence, together with the balance of the Employee's Accounts attributable to
Employer contributions under this Plan and the balance, if any, of the
Employee's accounts attributable to Employer contributions under any defined
contribution plan of the Employer, must equal at all times at least the product
of the Employee's average Plan Compensation for the 5 consecutive years when the
Employee had the highest aggregate Plan Compensation from the Employer and the
lesser of 2% per Year of Vesting Service (excluding years when neither plan was
top-heavy

                                      -19-
<PAGE>
for any Plan Year ending during or concurring with that Year of Vesting Service
and Years of Vesting Service completed in a Plan Year beginning before January
1, 1984) or 20%.

         Section 4.10. Nondiversion and Exclusive Benefit. Except as expressly
provided in this Section, the Trust Assets will not revert to the Employer and
will be devoted exclusively to the payment of benefits to Participants,
Beneficiaries, and other persons and for the payment of reasonable
administration expenses as provided in the Plan and the Trust Agreement. The
Trustee will, however, return to the Employer a contribution to the Plan under
the following circumstances:

         (a) If the Plan receives an adverse determination letter from the
Internal Revenue Service regarding initial qualification of the Plan under Code
subsection 401(a), and an Employer requests in writing that its prior
contributions be returned, the Trustee will comply with the Employer's request;
provided, however, that no contribution will be returned to an Employer pursuant
to this Subsection more than one year after receipt of the determination and,
provided further, that the Employer filed a complete application for
determination within the time prescribed by law for filing its return for the
taxable year in which the Plan was adopted or any later date prescribed by the
Secretary.

         (b) If any contribution is made to the Plan by mistake of fact and the
Employer requests in writing that the contribution be returned, the Trustee will
comply with the Employer's request; provided, however, that no contribution may
be returned to the Employer pursuant to this Subsection more than one year after
the date on which the contribution is made.

         (c) To the extent that the deduction for a contribution made by the
Employer is disallowed, the contribution will be returned to the Employer (to
the extent disallowed) within one year after the disallowance of the deduction,
if the Employer so requests in writing. If a Salary Redirection Contribution is
returned to the Employer pursuant to this Section, the Employer will return the
contribution to the Participant on whose behalf the contribution was made.

                                    ARTICLE V
                           ACCOUNTING AND INVESTMENTS

         Section 5.01. Participants' Accounts. The Plan Administrator will
create and maintain adequate records to disclose the interest in the Trust of
each Participant, Beneficiary, and Alternate Payee. Records will be in the form
of individual bookkeeping accounts, and credits and charges will be made to
those accounts pursuant to Article IV and the following provisions of this
Article V. Each Participant will have a separate Salary Redirection Account,
Matching Account and Profit Sharing Account. Each Eligible Employee who makes a
Rollover Contribution will also have a separate Rollover Account. Each
Beneficiary and, to the extent required by a Qualified Domestic Relations Order,
each Alternate Payee, will have the same separate accounts maintained for the
Participant from whom their Plan benefits derived. The maintenance of individual
Accounts is for accounting purposes only, and a segregation of Trust Assets to
each Account will not be required. The Plan Administrator will also maintain
records to indicate the amount of each individual Accounts in each Fund.

                                      -20-
<PAGE>

         Section 5.02. Separate Investment Funds. The Trust Assets will be kept
in the common Funds that the Company may designate from time to time by written
addendum to this Plan. The respective assets of each Fund will be accounted for
separately from those of each other Fund and will be invested in the manner
prescribed in the addendum. The Trustee's discretion in investing the assets of
the Funds will be subject only to the provisions of this Article, the Trust
Agreement, and ERISA. The Trustee may invest the assets of any Fund and
commingle funds to the extent that the investment is consistent with the
purposes of the Fund.

         Section 5.03. Valuation Dates. In addition to regular Valuation Dates,
the Plan Administrator will have the discretion to declare special Valuation
Dates by giving the Trustee not fewer than 15 days' written notice. As of each
Valuation Date, the Trustee will determine the fair market value of the Trust
Assets and of each separate Fund. Based on the Trustee's valuation, the Plan
Administrator will determine the value of each Participant's Accounts.

         Section 5.04. Valuation Standards. If the value of the Trust Assets is
not readily ascertainable from the transactions of a securities exchange, the
Trust Assets will be valued in accordance with the Trustee's best judgment. In
determining the value of the Trust Assets, the Trustee will exercise its best
judgment, using generally accepted trust and accounting principles, and all such
determinations of value will be binding upon all persons claiming benefits under
the provisions of the Plan.

         Section 5.05. General Method of Determining Values of Participants'
Accounts. The value of each Account of a Participant will be the value of the
Account as of the preceding Valuation Date, increased by the dollar amount of
any contributions and forfeitures allocated to the Account after the preceding
Valuation Date and decreased by the amount of any payments made from the Account
after the preceding Valuation Date. On each Valuation Date, each Account will be
adjusted by the dollar amount of any earnings or losses, loan interest accruals,
contributions, and forfeitures allocated to that Account as of that Valuation
Date.

         Section 5.06.  Allocation of Earnings to Accounts.  On each Valuation
Date, earnings will be allocated as follows:

         (a) The earnings of a Fund, whether positive or negative, will be
allocated among all Accounts in proportion to the relative value of those
Accounts invested in the Fund as of the end of the preceding Valuation Date (as
adjusted pursuant to Subsection (b)). Accounts terminated since the end of the
preceding Valuation Date will be disregarded for purposes of this Subsection.

         (b) For purposes of determining the allocation of investment earnings
pursuant to Subsection (a), the value of a Participant's Accounts as of the
preceding Valuation Date will be adjusted as follows:

                  (1) The value of a Participant's Salary Redirection Account
         invested in a Fund as of the preceding Valuation Date will be increased
         by one-half of the Salary

                                      -21-
<PAGE>
         Redirection Contributions made on behalf of that Participant and
         invested in that Fund since the preceding Valuation Date.

                  (2) The value of a Participant's Accounts invested in a Fund
         as of the preceding Valuation Date will be decreased by any amounts
         distributed or loaned from the Participant's Accounts invested in that
         Fund since the preceding Valuation Date (excluding any amounts
         distributed as of the date on which the investment earnings are
         allocated).

                  (3) The value of a Participant's Accounts invested in a Fund
         as of the preceding Valuation Date will be increased by the amount of
         any Rollover Contributions allocated to the Participant's Accounts
         invested in that Fund since the preceding Valuation Date multiplied by
         a fraction, the numerator of which is the number of days occurring
         after the contribution is made and before the day after the current
         Valuation Date and the denominator of which is the number of days from
         the preceding Valuation Date to the current Valuation Date.

         (c) The investment earnings of each Fund between Valuation Dates will
be equal to the difference between the fair market value of the Fund as of the
preceding Valuation Date and the current Valuation Date; plus (1) the amount of
benefits paid from the Fund and (2) amounts transferred from the Fund to another
Fund since the preceding Valuation Date; and less (1) any contributions made to
the Fund and (2) any amounts transferred to the Fund from another Fund since the
preceding Valuation Date.

         Section 5.07.  Crediting of Contributions and Forfeitures to Particular
Funds.

         (a) The Trustee will invest a Participant's Matching Account and Profit
Sharing Account entirely in the Company Stock Fund.

         (b) A Participant's Salary Redirection Account and Rollover Account
will be invested in a particular Fund or Funds according to his written
designation. Subject to any rules the Plan Administrator may reasonably
establish, a Participant may invest in more than one Fund. If the Participant
does not designate a particular Fund, contributions and forfeitures allocated to
his Accounts will be invested in a Fund designated by addendum to the Plan as
the Fund to receive such allocations.

         Section 5.08. Transfers Among Funds. To the extent permitted by the
Plan Administrator, a Participant may cause a transfer of all or a part of his
Salary Redirection Account and Rollover Account invested in one Fund to be
transferred to another Fund. A Participant who desires such a transfer will
execute a written form provided by the Plan Administrator and will file it with
the Plan Administrator within the time limits specified by the Plan
Administrator. Every transfer election will be irrevocable and will specify the
Fund from which the transfer is to be made and the Fund into which the transfer
is to be made.

                                      -22-
<PAGE>

         Section 5.09. Investment Discretion of Beneficiaries. If a Participant
dies, his Beneficiary will be entitled to exercise investment discretion with
respect to his Salary Redirection Account and Rollover Account pursuant to the
foregoing provisions.

                                   ARTICLE VI
                             VESTING AND FORFEITURES

         Section 6.01.  Nonforfeitability.  For all purposes of the Plan, a
"vested" interest is an interest that is nonforfeitable in the sense that it
constitutes a claim that is legally enforceable against the Plan.

         Section 6.02. Vesting of Salary Redirection Account and Rollover
Account. A Participant's interest in his Salary Redirection Account and his
Rollover Account will be 100% vested at all times.

         Section 6.03. Vesting of Matching Account and Profit Sharing Account. A
Participant's interest in his Matching Account and his Profit Sharing Account
will be forfeitable, except as that interest becomes vested under the following
provisions:

         (a) A Participant's interest in his Matching Account and his Profit
Sharing Account will be 100% vested upon the occurrence of any of the following
events:

                  (1)      his attainment of the normal retirement age of 65;

                  (2)      his death or Disability while an Employee;

                  (3)      a complete discontinuance of contributions under the
         Plan;

                  (4)      partial termination of the Plan (within the meaning
         of the Code) with respect to the Participant; or

                  (5)      termination of the Plan.

         (b) Except as otherwise provided in this Section, a Participant's
interest in his Matching Account and his Profit Sharing Account will become
vested in accordance with the following schedule:

                                      -23-
<PAGE>

                    Number of Years                        Vested
                  of Vesting Service                     Percentage

                 Fewer than 2                                  0%
                            2                                 20%
                            3                                 40%
                            4                                 60%
                            5                                 80%
                            6 or more                        100%

         Section 6.04.  Forfeitures.

         (a) Except as provided in Subsection (b), no amount credited to a
Participant will be forfeited upon Separation from Service until he incurs five
consecutive Breaks in Service or dies while not an Employee. When a Participant
incurs five consecutive Breaks in Service or dies while not an Employee, the
nonvested portion of his Matching Account and the nonvested portion of his
Profit Sharing Account will be forfeited.

         (b) Notwithstanding Subsection (a), if a Participant's entire vested
Accounts are distributed (or deemed distributed pursuant to Section 7.01) before
the end of the Plan Year following the Plan Year in which the Participant
Separates from Service, the nonvested portion of the Participant's Accounts will
be forfeited immediately upon the distribution. If a former Participant is
reemployed by the Employer, the amount forfeited pursuant to the preceding
sentence will be restored if the Participant repays to the Trust the full amount
distributed to him before the date on which he incurs 5 consecutive Breaks in
Service after the date of the distribution. Amounts restored will come from
Trust income and, to the extent necessary, forfeitures. If Trust income and
forfeitures are insufficient to restore the forfeited amounts, the Employer will
make an additional contribution sufficient to restore the forfeited amount. The
additional Employer contribution will not constitute an Annual Addition.

         (c) The total dollar amount of all interests forfeited during a Plan
Year will be held in a separate suspense account until the last day of the Plan
Year. Forfeited amounts will be applied to reduce Employer contributions or to
pay Plan administrative expenses.

                                   ARTICLE VII
                                    BENEFITS

         Section 7.01.  Termination Benefits.  If a Participant Separates from
Service for any reason other than death, his vested Accounts will be distributed
as provided in this Section:

         (a) If the value of a Participant's vested Accounts does not exceed
$5,000 (or $3,500, for distributions occurring in a Plan Year beginning before
January 1, 1998), his Accounts will be distributed in a lump sum payment as soon
as administratively feasible following his Separation from Service. If the
present value of a Participant's vested benefit in an Account is zero, the
Participant will be deemed to have received a distribution of that Account.

                                      -24-
<PAGE>

         (b) If the value of a Participant's vested Accounts exceeds $5,000 (or
$3,500, for distributions occurring in a Plan Year beginning before January 1,
1998), the Participant may elect at any time after incurring a Separation from
Service to receive the vested portion of his Accounts in a lump sum. If a
Participant files a written election with the Plan Administrator pursuant to the
preceding sentence, the Plan Administrator will cause his vested Accounts to be
distributed to him as soon as administratively feasible after it receives his
election.

         Section 7.02. Death Benefits. If a Participant dies before distribution
of his Accounts has been made, his vested Accounts will be distributed to his
Beneficiary in a lump sum as soon as administratively feasible after the
Participant's death.

         Section 7.03. Form of Benefits. To the extent a Participant's Accounts
are invested in the Company Stock Fund, distribution will be made in Company
Stock, except that any fractional shares will be paid in cash, unless the
Participant elects to receive distribution entirely in cash. Accounts not
invested in the Company Stock Fund will be distributed in cash.

         Section 7.04.  Beneficiaries.  A Participant's Beneficiary will be
determined pursuant to this Section.

         (a) A Participant's Spouse will be his Beneficiary, unless the Spouse
has consented to the appointment of another Beneficiary in accordance with
Subsection (c). Except as provided in the preceding sentence, "Beneficiary"
means the person or persons, including a trustee, designated in writing by a
Participant pursuant to practices of, or rules prescribed by, the Plan
Administrator, as the recipient of a benefit payable under the Plan following
the Participant's death. To be effective, a Beneficiary designation must be
filed with the Plan Administrator during the Participant's life and acknowledged
by the Plan Administrator in writing.

         (b) If no person has been designated as the Beneficiary of a
Participant, or if no person so designated survives the Participant, then the
Beneficiary will be determined as follows:

                  (1)      If the Participant is survived by a Spouse, the
         Spouse will be the Participant's Beneficiary.

                  (2)      If the Participant is not survived by a Spouse, the
         Participant's estate will be the Participant's Beneficiary.

If any amount becomes payable under the Plan to a Beneficiary who survives the
Participant but dies before receiving the benefit due him, and if the
Participant has not named a contingent Beneficiary who survives the Participant,
the Participant's remaining vested Accounts will be paid in a lump sum to the
Beneficiary's estate as soon as administratively feasible following the
Beneficiary's death.

         (c) A Participant's designation of someone other than his Spouse as his
Beneficiary will not be given effect unless the Participant's Spouse consents to
the designation in writing, the consent acknowledges the effect of the
Participant's designation and the consent is witnessed by

                                      -25-
<PAGE>
a Plan representative or a notary public. Notwithstanding this consent
requirement, if the Participant establishes to the Plan Administrator's
satisfaction that the written consent cannot be obtained because there is no
Spouse or the Spouse cannot be located, the designation will be deemed to have
the Spouse's consent. If a Participant is legally separated from or has been
abandoned by his Spouse (within the meaning of local law) and the Participant
has a court order to that effect, the Spouse's consent will not be required
unless a Qualified Domestic Relations Order provides otherwise. Any spousal
consent will be valid only with respect to the Spouse who signs the consent, or
in the case of a deemed consent, the designated Spouse. If a Participant's
Spouse is legally incompetent to give consent, the Spouse's legal guardian (even
if the guardian is the Participant) may give consent. A Participant may revoke a
prior designation of a non-Spouse Beneficiary without his Spouse's consent at
any time before the distribution of his Accounts begins.

         Section 7.05. Permitted Withdrawals from Salary Redirection Account.
Except to the extent a Participant's Salary Redirection Account is invested in
the Company Stock Fund, a Participant may withdraw some or all of the balance of
his Salary Redirection Account upon the showing, satisfactory to the Plan
Administrator, that the requested withdrawal is on account of an immediate and
heavy financial need of the Participant and is necessary to satisfy such
financial need; provided, however, that the amount withdrawn by the Participant
will not exceed the amount of the Participant's Salary Redirection Contributions
that have not been previously withdrawn. A withdrawal will be permitted only if
it satisfies the requirements of the following Subsections:

         (a) The requested withdrawal must be on account of (1) expenses for
medical care described in Code subsection 213(d) previously incurred by the
Participant, the Participant's Spouse, or any of the Participant's dependents
(as defined in Code section 152) or necessary for these persons to obtain the
medical care; (2) costs directly related to the purchase (excluding mortgage
payments) of a principal residence for the Participant; (3) payment of tuition
and related educational fees for the next 12 months of post-secondary education
for the Participant, his Spouse, children, or dependents; or (4) the need to
prevent the Participant's eviction from his principal residence or foreclosure
on the mortgage of the Participant's principal residence.

         (b) A distribution satisfies the requirements of this Paragraph (b)
only if it is necessary to satisfy an immediate and heavy financial need (as
defined under Paragraph (a) above). A distribution is necessary to satisfy an
immediate and heavy financial need if the Plan Administrator determines, on the
basis of all relevant facts and circumstances, that the need cannot be relieved:

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

                  (2) by reasonable liquidation of the Participant's assets
         (including those assets of the Participant's Spouse and minor children
         that are reasonably available to the Participant), to the extent that
         such liquidation would not itself cause an immediate and heavy
         financial need;

                                      -26-
<PAGE>
                  (3) by cessation of the Participant's Salary Redirection
         Contributions under the Plan; or

                  (4) by other distributions or nontaxable loans from plans
         maintained by the Employer (to the extent the Plan Administrator
         determines that the Participant is able to repay those loans) or by any
         other employer, or by borrowing from commercial sources on reasonable
         commercial terms.

To the extent permitted by the applicable regulations, the Plan Administrator,
in determining whether the relevant facts and circumstances are present, will
rely on the representations of the Participant made under the penalties for
perjury.

In granting or refusing any request for withdrawal under this Section, the Plan
Administrator will apply the standards set forth in this Section consistently,
and the Plan Administrator's discretion will not be exercised so as to
discriminate in favor of officers, shareholders, or Highly Compensated
Participants.

         Section 7.06. Other Distribution Rules Imposed by Federal Law. This
Section has been included in the Plan to comply with the limitations imposed by
Code paragraphs 401(a)(9) and 401(a)(14), and it will not be construed as
providing for a form of benefit not otherwise provided for under the Plan.
Notwithstanding any provision of this Plan to the contrary, any distribution
under the Plan will be made in accordance with regulations under Code paragraph
401(a)(9), including proposed federal income tax regulation 1.401(a)(9)-2, and
will comply with the following rules:

         (a) Unless a Participant elects otherwise, the payment of his benefits
under the Plan must begin not later than the 60th day after the end of the Plan
Year in which occurs the latest of (1) the Participant's 65th birthday, (2) the
10th anniversary of the Plan Year in which the Participant began participation
in the Plan, or (3) termination of the Participant's employment with the
Employer.

         (b) For purposes of this Section, "required beginning date" means, with
respect to a Participant who is not a 5% owner as described in Code section 416
and who did not reach age 70-1/2 before January 1, 2000, April 1 of the calendar
year following the later of (1) the calendar year in which the Participant
reaches age 70-1/2, or (2) the calendar year in which the Participant retires.
If a Participant reaches age 70 1/2 on or after January 1, 1997, but before
January 1, 2000, the Plan will deem the Participant's "required beginning date"
to be April 1 of the calendar year following the calendar year in which the
Participant reaches age 70 1/2 unless the Participant elects [with his spouse's
consent in a Qualified Election] to defer commencement of Plan benefits until a
date no later than April 1 of the calendar year following the calendar year in
which the Participant retires. With respect to a Participant who is a 5% owner
as described in Code section 416, or any Participant who reached age 70-1/2
before January 1, 1997, "required beginning date" means April 1 of the calendar
year following the calendar year in which the Participant reaches age 70-1/2.

                                      -27-
<PAGE>

         (c) Notwithstanding any other provision of this Plan, the entire
interest of each Participant will be distributed either (1) in a single, lump
sum payment not later than the required beginning date, or (2) in a series of
payments beginning not later than the required beginning date over the life of
the Participant or over the lives of the Participant and a designated
Beneficiary (or over a period not extending beyond the life expectancy of the
Participant or the life expectancy of the Participant and a designated
Beneficiary). If a Participant's entire interest is to be distributed in other
than a lump sum, then the amount to be distributed each year must be at least an
amount equal to the quotient obtained by dividing the Participant's entire
interest by the life expectancy of the Participant or joint and last survivor
expectancy of the Participant and designated Beneficiary. Life expectancy and
joint and last survivor expectancy are computed by the use of the expected
return multiples contained in Tables V and VI of 26 C.F.R. ss. 1.72-9. For
purposes of this computation, life expectancies will not be recalculated.

         (d) If (1) the distribution of a Participant's interest has begun in
accordance with Subsection (c) and (2) the Participant dies before his entire
interest has been distributed to him, the remaining portion of his interest will
be distributed at least as rapidly as under the method of distribution being
used under Subsection (c) as of the date of his death.

         (e) Except as provided in Subsection (f), if a Participant dies before
the distribution of his interest has begun in accordance with Subsection (c),
the entire interest of the Participant will be distributed within 5 years after
his death.

         (f) For purposes of Subsection (e), any portion of a distribution that
is payable to (or for the benefit of) a designated Beneficiary will be treated
as completely distributed on the date the distributions begin if:

                  (1) that portion is to be distributed (in accordance with
         regulations prescribed by the Secretary) over the life of the
         designated Beneficiary (or over a period not extending beyond the life
         expectancy of the Beneficiary), and

                  (2) those distributions begin by the latest of (i) one year
         after the date of the Participant's death, (ii) any later date that the
         Secretary may establish by regulations, or (iii) if the Beneficiary is
         the Participant's surviving Spouse, the date that the Participant would
         have reached age 70-1/2.

         (g) If the designated Beneficiary is the surviving Spouse of the
Participant, and if the surviving Spouse dies before the distributions to the
Spouse begin, Subsections (d), (e), and (f) will be applied as if the surviving
Spouse were the Participant.

         (h) For purposes of Subsection (f), payments will be calculated by use
of the expected return multiples specified in Tables V and VI of 26 C.F.R.ss.
1.72-9. Life expectancies of Beneficiaries will be calculated at the time
payment first commences without further recalculation.

                                      -28-
<PAGE>
         (i) For purposes of Subsections (c), (d), (e), and (f), if any amount
paid to a child of the Participant becomes payable to the surviving Spouse when
the child reaches the age of majority, that amount will be treated as if it had
been paid to the surviving Spouse.

         (j) The method of distribution selected must assure that at least 50%
of the present value of the amount available for distribution is paid within the
life expectancy of the Participant.

         Section 7.07. Effect of Government Regulation on Payment of Benefits.
If any regulation of the federal government or a federal agency prohibits or
prevents the payment or distribution of benefits in the manner provided in the
Plan, the Plan Administrator will conform to the regulation without amendment of
the Plan.

         Section 7.08.  Inalienability of Benefits.

         (a) Except as provided in this Section, no Plan benefit will be subject
in any manner to anticipation, alienation, sale, transfer, assignment, pledge,
encumbrance, or charge, whether voluntary or involuntary, and any attempt to
anticipate, alienate, sell, transfer, assign, pledge, encumber, or charge a Plan
benefit will be void.

         (b) The prohibition set out in the preceding sentence will not apply to
the creation, assignment, or recognition of a right to any benefit payable with
respect to a Participant pursuant to a Qualified Domestic Relations Order, or to
any offset of a Participant's Accounts against an amount that the Participant is
ordered or required to pay to the Plan pursuant to Code subparagraph
401(a)(13)(C).

         (c) On or after August 5, 1997, the benefits of a Participant will be
offset by any amount that the Participant is ordered to pay to the Plan if:

                  (1) the order or requirement to pay arises (A) under a
         judgment or conviction for a crime involving the Plan, (B) under a
         civil judgment (including a consent order or decree) entered by a court
         in an action brought in a connection with a violation (or alleged
         violation) of ERISA's fiduciary responsibility provisions, or (C)
         pursuant to a settlement agreement between the Secretary of Labor or
         the Pension Benefit Guaranty Corporation and the Participant in
         connection with a violation (or alleged violation) or ERISA's fiduciary
         responsibility provisions.

                  (2) the judgment, order, decree, or settlement agreement
         expressly provides for the offset against the Participant's Plan
         benefit.

         Section 7.09. Payments for Benefit of Incompetents. If any benefit is
payable to a minor or other person legally incompetent and the Plan
Administrator is aware of that person's status, the Plan Administrator will
direct that payments be made to the legal guardian of that person or to such
other person or organization as a court of competent jurisdiction may direct.

         Section 7.10. Qualified Domestic Relations Orders. In the event that a
Qualified Domestic Relations Order provides for the payment of all or a portion
of a Participant's Accounts

                                      -29-
<PAGE>
to an Alternate Payee, distribution to the Alternate Payee may be made at any
time specified in the Qualified Domestic Relations Order, irrespective of
whether the Participant has reached the "earliest retirement age," as defined in
Code subsection 414(p). In the event that a Qualified Domestic Relations Order
provides for the payment of all or a portion of a Participant's Accounts to an
Alternate Payee before the earliest retirement age, distribution will be made
pursuant to the order as soon as administratively feasible following the later
of (a) the date provided in the order or (b) the first Valuation Date that
coincides with or follows the Plan Administrator's determination that the order
is a Qualified Domestic Relations Order.

         Section 7.11. Direct Rollovers. Notwithstanding any provision of the
Plan to the contrary that would otherwise limit a Distributee's election under
this Section, a Distributee may elect, at the time and in the manner prescribed
by the Plan Administrator, to have any portion of an Eligible Rollover
Distribution paid directly to an Eligible Retirement Plan specified by the
Distributee in a Direct Rollover.

         Section 7.12. Waiver of Notice Period. Except as provided in the
following sentence, if the value of a Participant's vested Accounts exceeds
$5,000 (or $3,500, for distributions occurring before January 1, 1998), the
Participant's election to receive a distribution will not be given effect unless
the written election is made after the Participant has received the notice
required under 26 C.F.R. ss. 1.411(a)-11(c) and within a reasonable time before
the distribution begins as prescribed by those regulations. Notwithstanding the
foregoing, the distribution may begin less than 30 days after the notice is
given, provided that the following requirements are satisfied:

                   (a) The Plan Administrator clearly informs the Participant
that he has a right to a period of at least 30 days after receiving the notice
to consider whether to elect a distribution (and, if applicable, a particular
distribution option), and

                   (b) The Participant, after receiving the notice,
affirmatively elects the distribution.

         Section 7.13. Voting Rights. To the extent that a Fund is invested in
Company Stock, each Participant, as a named fiduciary, will have the right to
direct the Trustee as to the manner of voting and the exercise of all other
rights that a shareholder of record has with respect to the Participant's pro
rata interest in such Fund. In the event that a Participant fails to direct the
Trustee as to the manner of voting of his pro rata interest in such Fund, or as
to the exercise of other rights in respect of his pro rata interest in such
Fund, such shares will not be voted and no exercise of rights will be made.

                                  ARTICLE VIII
                                 ADMINISTRATION

         Section 8.01. Administrator. The Plan Administrator will be the
administrator of the Plan. The Plan Administrator will be appointed by the Board
of Directors and will be an Employee or officer of the Employer. In the event
the Board of Directors does not appoint a Plan Administrator, the Company will
be the Plan Administrator.

                                      -30-
<PAGE>
         Section 8.02. Removal and Replacement of Committee Members. The Plan
Administrator will serve at the pleasure of the Board of Directors and may be
removed by the Board of Directors with or without cause. Any vacancy will be
filled by the Board of Directors.

         Section 8.03. Disqualification and Resignation. On the date when the
Plan Administrator is not an Employee or an officer of the Employer, he will be
disqualified from serving. The Plan Administrator may resign by delivering his
written resignation to the Company. A resignation will become effective on the
date specified in the instrument of resignation.

         Section 8.04. Notice to Trustee of Changes in Membership. The Trustee
will not be charged with notice of any change of the Plan Administrator unless
and until it has received a certified copy of the resolution or vote of the
Board of Directors effecting the change.

         Section 8.05. Correction of Defects. The Plan Administrator may correct
any defect or supply any omission or reconcile any error or inconsistency in its
previous proceedings, decisions, orders, directions, or other actions in such
manner and to such extent as it will deem advisable to carry out the purposes of
the Plan.

         Section 8.06. Reliance Upon Legal Counsel. The Plan Administrator, and
the Employer and its officers and directors, will be entitled to rely upon all
opinions given by legal counsel selected by the Plan Administrator.

         Section 8.07. Expenses. In the performance of its duties, the Plan
Administrator is authorized to incur reasonable expenses, including counsel
fees, which will, to the extent permitted by ERISA, be chargeable against the
funds of the Trust if the expenses are not paid by the Employer.
         Section 8.08. Powers and Duties of Plan Administrator. Subject to the
specific limitations stated in this Plan, the Plan Administrator will have the
following powers, duties, and responsibilities:

         (a)      To carry out the general administration of the Plan;

         (b)      To cause to be prepared all forms necessary or appropriate for
the administration of the Plan;

         (c)      To keep appropriate books and records, including minutes of
the meetings of the Committee;

         (d)      To determine, consistent with the provisions of this Plan, the
manner in which the Trust Assets will be allocated and disbursed;

         (e)      To give directions to the Trustee as to the amounts to be
disbursed to Participants and others under the provisions of the Plan;

                                      -31-
<PAGE>
         (f)      To establish written procedures for determining, and to
determine in accordance with those procedures, whether a domestic relations
order is a Qualified Domestic Relations Order.

         (g)      To exercise all other powers and duties specifically conferred
upon the Plan Administrator elsewhere in this Plan and the Trust Agreement;

         (h)      To exercise all duties and responsibilities imposed by ERISA
upon the Plan Administrator as administrator of the Plan;

         (i)      To interpret, with discretionary authority, the provisions of
the Plan and to resolve, with discretionary authority, all disputed questions of
Plan interpretation including eligibility, rights, and status of Participants
and others under the Plan; and

         (j)      To employ agents to assist it in performing its administrative
duties.

The Plan Administrator will at all times make similar decisions on similar
questions involving similar circumstances. Subject to the provisions of ERISA
and to the provisions of Article IX relating to claims, all decisions of the
Plan Administrator made in good faith on all matters within the scope of its
authority under the provisions of this instrument will be final and binding upon
all persons.

         Section 8.09. Matters Specifically Excluded from Jurisdiction.
Notwithstanding any other provision of this Plan, the Plan Administrator will
have no power, duty, or authority with respect to determination of the amounts
to be contributed by the Employer to the Trust.

         Section 8.10. Investment Manager. The Company may appoint an investment
manager or managers to manage (including the power to acquire and dispose of any
Trust Assets) those Trust Assets specified by the Company, subject to the
conditions of this Section.

         (a) An appointed investment manager must (1) be registered as an
investment advisor under the Investment Advisors Act of 1940; (2) be a bank as
defined in that Act; or (3) be an insurance company qualified to perform
investment management services in more than one state.

         (b) An appointed investment manager must, prior to acting with respect
to the Trust Assets, acknowledge in writing that he accepts the duties given him
under the Plan and that he is a fiduciary with respect to the Plan.

         (c) Upon the appointment of an investment manager, the Company will
notify the Trustee of such appointment in writing and will deliver to the
Trustee a copy of the instruments evidencing the appointment, copies of the
written acknowledgment referred to in Subsection (b), and written directions
concerning the proper segregation of the Trust Assets into separate investment
accounts, as appropriate. The Company's written notification will constitute a
warranty as to the investment manager's qualifications under section 3(38) of
ERISA, and the Trustee will be fully protected in relying on the investment
manager's continued qualification and authority until otherwise notified in
writing by the Company. The Trustee will follow the

                                      -32-
<PAGE>
 directions of an appointed investment manager regarding investment and
reinvestment of Trust Assets. The Trustee will be under no obligation to review
or give advice with respect to the investment manager's directions.

         (d) The Trustee will not be liable for the acts or omissions of the
investment manager or be under an obligation to invest or otherwise manage any
Trust Assets that are subject to management by the investment manager. The
Trustee will have no liability arising out of following the directions of the
investment manager.

         (e) The Company may remove an investment manager upon written notice to
the Trustee, in which case the Trustee will, until notified of the appointment
of a successor investment manager, accept and manage the Trust Assets previously
managed by the investment manager.

                                   ARTICLE IX
                                CLAIMS PROCEDURES

         Section 9.01. Presentation of Claims. Any person believing himself to
be entitled to a benefit under the Plan may file an application or claim for the
benefit with the Plan Administrator. The Plan Administrator may adopt and supply
forms for benefit applications, but no claim will be adversely affected because
the claimant has not used the form adopted by the Plan Administrator. A claim
for a benefit will be deemed to have been made upon receipt by any member of the
Plan Administrator of a written request for the benefit, signed by the claimant
or his representative.

         Section 9.02. Denial of Claim. Failure of a majority of the members of
the Plan Administrator to agree as to the allowance of a claim or any part of it
within 90 days after receipt of the claim by the Plan Administrator will be
considered to be a denial of the claim or the part of it as to which an
agreement has not been reached. If a claim is denied in whole or in part, the
Plan Administrator, within 90 days after receipt of the claim, will give the
claimant written notice of the denial. If special circumstances require
extension of the 90-day response period, the Plan Administrator may extend the
period for up to 90 additional days by notifying the claimant, within the
original 90-day period, of the extension, the reason for it, and when a decision
can be expected. The notice of a claim denial will state, in a manner calculated
to be understood by the claimant, the following:

         (a)      The specific reason or reasons for the denial;

         (b)      Specific reference to the Plan provision or provisions on
which the denial is based;

         (c)      A description of any additional material or information that
the claimant may need to perfect the claim, with an explanation of why the
material or information is necessary; and

         (d)      An explanation of the appeal right and procedure described in
the next Section.

                                      -33-
<PAGE>

         Section 9.03. Claimant's Right to Appeal Denial of Claim. A claimant
whose claim is denied, in whole or in part, will have the right of an appeal to
the Plan Administrator for review of the denial. The following provisions will
apply to such right of appeal:

         (a) The request for review must be filed with the Plan Administrator
within 90 days after written notice of denial of the claim.

         (b) The request will be in writing signed by the claimant or his
authorized representative.

         (c) The claimant will have the right, upon request, to review records
and documents in the possession of the Plan Administrator relating to the claim.

         (d) The claimant may submit issues, arguments, and other comments in
writing to the Plan Administrator, with any documentary evidence in support of
his claim.

         (e) The decision by the Plan Administrator will be given to the
claimant in writing within 60 days after receipt by the Plan Administrator of
the claimant's request for review. If special circumstances require extension of
the 60-day period, the Plan Administrator may extend the 60-day period for up to
60 additional days by notifying the claimant, within the original 60-day period,
of the extension, the reason for it, and when a decision can be expected. If the
decision denies the claim, in whole or in part, the decision will state the
specific reasons for the denial, including specific references to the Plan
provision or provisions on which the denial is based, all stated in language
calculated to be understood by the claimant.

                                    ARTICLE X
              LIMITATIONS ON RIGHTS OF EMPLOYEES AND OTHER PERSONS

         Section 10.01. In General. The Plan is strictly a voluntary obligation
on the part of the Employer and will not be deemed to constitute a contract
between the Employer and any Employee or to be a consideration for, an
inducement to, or a condition of the employment of any Employee. Neither the
Employer, the Plan Administrator, nor the Trustee in any way guarantees against
loss or depreciation of any Trust Assets or guarantees the payment of any
benefit or amount that may become due under the Plan to any Participant, his
Beneficiaries, or to any creditor of the Trust. Except as may be otherwise
provided by ERISA, neither the Employer nor the Plan Administrator will be
liable to any person for any act or omission of the Trustee, nor will the
Trustee be liable to any person for any act or omission of the Employer or the
Plan Administrator.

         Section 10.02. No Increase or Impairment of Other Rights. Nothing
contained in the Plan will be deemed to give any Employee the right to be
retained in the Employer's service or will interfere with the Employer's right
to discharge or otherwise terminate any Employee's employment.

                                      -34-
<PAGE>

         Section 10.03. Trust Sole Source of Benefits. Except as may be
otherwise provided by ERISA, no person will be entitled to any right or claim to
benefits except to the extent that the right is specifically fixed under the
terms of the Plan and there are Trust Assets available for payment of the
benefits.

         Section 10.04. Other Limitations of Liability. Except as may be
otherwise provided by ERISA, neither the Employer, the Plan Administrator, nor
the Trustee will be under any liability or responsibility for the validity or
effectiveness of the Plan or the Trust Agreement, or for any failure of this
Plan or the Trust to qualify at any time or for any period as a tax-exempt plan
or trust under the provisions of the Code or any applicable law or for any tax
or increase in tax on a Participant or Beneficiary because of any benefits.

                                   ARTICLE XI
        PROVISIONS DESIGNED TO COMPLY WITH LIMITATIONS ON CONTRIBUTIONS
                              AND OTHER ADDITIONS

         Section 11.01. Purpose and Construction of This Article. This Article
is included in the Plan to comply with limitations imposed by Code section 415,
and all provisions of this Article will be construed and applied accordingly.

         Section 11.02. General Statement of Limitation. Notwithstanding any
other provision of the Plan, a Participant's Annual Addition will not exceed the
lesser of (a) $30,000, as adjusted to reflect increases in the limitation
pursuant to Code subsection 415(d), or (b) 25% of the Participant's Compensation
for that Plan Year.

         Section 11.03. Special Limitation Pursuant to Code Subsection 415(e).
This Section applies only to Plan Years beginning before January 1, 2000.
Notwithstanding any other provision of the Plan, for any individual who is a
Participant in this Plan and has been a participant in a defined benefit plan of
the Employer, the sum of the defined benefit plan fraction and the defined
contribution plan fraction for any Plan Year will not exceed one. The defined
benefit plan fraction for any year is a fraction with a numerator that is the
projected annual benefit of the individual under all defined benefit plans of
the Employer and with a denominator that is the lesser of (a) the product of
1.25 multiplied by the dollar limitation in effect under Code subparagraph
415(b)(1)(A) for that year or (b) the product of 1.4 multiplied by the amount of
the limitation in effect under Code subparagraph 415(b)(1)(B) with respect to
that individual for that year. The defined contribution plan fraction for any
year is a fraction with a numerator that is the sum of the Annual Additions for
all years to the individual's accounts in all defined contribution plans of the
Employer and with a denominator that is the sum of the lesser of the following
amounts determined for that year and for each prior year of service with the
Employer: (a) the product of 1.25 multiplied by the dollar limitation in effect
under Code subparagraph 415(c)(1)(A) for that year (determined without regard to
Code paragraph 415(c)(6)), or (b) the product of 1.4 multiplied by the amount of
the limitation in effect under Code subparagraph 415(c)(1)(B) with respect to
the individual for that year. Notwithstanding the foregoing provisions, for any
Plan Year for which the Plan is a Top-Heavy Plan, 1.0 will be substituted for
1.25. Also, with respect to an individual who was a Participant as of the end of
the first day of the first Plan Year beginning on or after January 1, 1987, the

                                      -35-
<PAGE>
numerator of the defined contribution fraction will be adjusted if the sum of
the fraction and the defined benefit fraction would otherwise exceed 1.0. Under
the adjustment, an amount equal to the product of (1) the excess of the sum of
the fractions over 1.0 times (2) the denominator of the defined contribution
fraction, will be permanently subtracted from the numerator of the defined
contribution fraction. The adjustment is calculated using the fractions as they
would be computed as of the Plan Year beginning on or immediately after January
1, 1986, and disregarding any changes in the Plan made after May 5, 1986, but
using the Code section 415 limitation applicable to the Plan beginning on or
immediately after January 1, 1987. To the extent that the limitations of this
Section 11.03 are exceeded, the appropriate adjustments will be made under this
Plan first.

         Section 11.04. Adjustments to Allocation of Contributions. If a
Participant's Annual Addition would exceed the limitations of this Article for a
Plan Year as a result of the allocation of forfeitures or a reasonable error in
estimating a Participant's Compensation, a reasonable error in determining the
amount of elective deferrals (within the meaning of Code section 402(g)(5)) that
may be made with respect to any individual under the limits of Code section 415,
or under other limited facts and circumstances that the Commissioner of Internal
Revenue finds justify the availability of the rules set forth in this Section,
then the Participant's Annual Addition will be adjusted to the extent necessary
to comply with the applicable limitation. Any adjustment to components of the
Annual Addition pursuant to the preceding sentence will be made in the following
order: forfeitures, Salary Redirection Contributions (together with any
associated Matching Contributions), Matching Contributions and Profit Sharing
Contributions. Any excess Salary Redirection Contribution adjusted pursuant to
this Section, and the earnings attributable to them, will be returned to the
affected Participant not later than the last day of the Plan Year following the
Plan Year for which the limitations were exceeded. Any excess Matching
Contribution, Profit Sharing Contribution, or forfeitures adjusted pursuant to
this Section will be applied first to reduce the Matching Contribution for the
Plan Year and, then, to the extent they exceed the Matching Contribution for the
Plan Year, they will be allocated as of the last day of the Plan Year among the
Profit Sharing Accounts of Benefit Participants as provided in Section 4.07 for
the allocation of Profit Sharing Contributions. If the reallocation required by
the preceding sentence would cause the amounts allocated to the Accounts of all
Participants to exceed the limitation set out in Section 11.02 for a Plan Year,
then the excess amounts will be held unallocated in a suspense account in the
Trust and allocated in succeeding Plan Years, in order of time, to the maximum
extent permitted by Section 11.02, until the account is exhausted. If a suspense
account is in existence at any time during a Plan Year, other than the Plan Year
described in the preceding sentence, all amounts in the suspense account must be
allocated and reallocated to Participants' Accounts (subject to the limitations
of this Article) before any contributions that would constitute Annual Additions
may be made for the Plan Year.

                                   ARTICLE XII
                        AMENDMENT AND TERMINATION OF PLAN

         Section 12.01. Amendments in General. The Company reserves the right to
modify or amend the Plan in whole or in part at any time or from time to time by
action of its Board of Directors. The Company may not, however, make any
modification or amendment that materially affects the rights, duties, or
responsibilities of the Trustee, unless the Trustee consents

                                      -36-
<PAGE>
in writing to the modification or amendment. Moreover, except as otherwise
permitted by the Code and ERISA, the Company may not make a modification or
amendment that:

         (a)      will reduce the Accounts of any Participant;

         (b)      will eliminate an optional form of distribution with respect
to benefits accrued before the amendment;

         (c) will make it possible for any part of the principal or income of
the Trust to be used for, or diverted to, purposes other than the exclusive
benefit of Participants, Beneficiaries, and other persons entitled to benefits
under the Plan; or

         (d)      will permit any part of the principal or income of the Trust
to revert to the Employer.

         Section 12.02. Amendments Necessary to Bring Plan into Compliance with
the Code and ERISA. Notwithstanding any other provision of the Plan, any
modification or amendment of the Plan may be made, retroactively if necessary,
that may be required (a) to cause the Trust to constitute a qualified trust
under the provisions of Code section 401, (b) to cause the Plan to contain a
qualified cash or deferred arrangement under Code subsection 401(k), or (c) to
comply in every respect with ERISA.

         Section 12.03. Amendments to Vesting Provisions. No amendment to the
vesting provisions of the Plan will deprive a Participant of his nonforfeitable
rights to benefits accrued before the date of the amendment. Further, if the
Plan's vesting provisions are amended, each Participant with at least 3 Years of
Vesting Service may elect, within the period specified in the following
sentence, to have his nonforfeitable percentage computed under the Plan without
regard to the amendment. The period during which the election may be made will
begin with the date the amendment is adopted and will end 60 days after the
latest of the following events occurs: (1) the amendment is adopted, (2) the
amendment becomes effective, or (3) the Participant is issued written notice of
the amendment by the Employer.

         Section 12.04. Termination of Plan. The Plan is intended to be
permanent, and the Trust created in support of the Plan is intended to be
irrevocable, except in the manner and to the extent otherwise provided in this
instrument or in the Trust Agreement. The Employer hopes to maintain the Plan
indefinitely and to continue contributions to the Trust under the Plan, but the
Employer has no obligation or liability whatsoever to maintain the Plan or to
continue contributions to the Trust for any given length of time. The Plan and
Trust will terminate upon the occurrence of any of the following circumstances:

         (a) termination of the business of the Employer without provision for
continuing the Plan, except that provision may be made by which the Plan will be
continued by the successor to the Employer or any transferee of all or
substantially all of its assets and business, and, in the event that an election
is made to continue the Plan, the successor or purchaser will automatically
become substituted for the Employer;

                                      -37-
<PAGE>
         (b)      legal adjudication of the Employer as a bankrupt; a general
assignment by the Employer to or for the benefit of its creditors; or the
voluntary or involuntary dissolution of the Employer; or

         (c)      termination of the Plan by the Employer upon notice delivered
to the Trustee as provided in the following Section.

         Section 12.05. Effect of Termination on Trust. Upon termination of the
Plan, no further contributions to the Trust will be made, except that the
Employer will thereupon promptly pay to the Trust the unpaid balance, if any, of
any contribution required of the Employer with respect to the last completed
Plan Year preceding the date of termination. If the Plan is terminated by fewer
than all Employers, it will continue in effect for Participants employed by the
remaining Employers.

         Section 12.06. Payment of Benefits Upon Termination. Upon termination
of the Plan, the Trust will continue in existence for the purpose of
administering the Trust Assets and the payment in full of all benefits pursuant
to the provisions of Article VII. A Participant's Salary Redirection Account
will not be distributed earlier than upon one of the following events:

         (a)      The Participant's retirement, death, disability, attainment of
age 59-1/2, or Separation from Service.

         (b)      The termination of the Plan without establishment of a
successor plan.

         (c)      The date of the sale or other disposition by the Employer to
an unrelated corporation, which does not maintain the Plan, of substantially all
of the assets (within the meaning of Code paragraph 409(d)(2)) used by the
Employer in its trade or business. The preceding sentence will apply only with
respect to a Participant who continues employment with the corporation acquiring
the Employer's assets.

         Section 12.07. Post-Termination Powers of Trustees, Plan Administrator,
Company, and Employer. Notwithstanding the termination of the Plan and the
Trust, the Trustee, the Plan Administrator, the Company, and the Employer will
have and retain thereafter all requisite power and authority to take every step
and to do all acts and things necessary, requisite, or appropriate to complete
distribution of the Trust Assets as provided in this Plan, including, but not
limited to, the power of the Trustee to sell or transfer the Trust Assets in the
process of liquidation.

                                  ARTICLE XIII
                      PROVISIONS RELATING TO TOP-HEAVY PLAN

         Section 13.01. Construction of this Article. This Article will be
construed in accordance with Code section 416 and the regulations thereunder.

         Section 13.02. Top-Heavy Determination. For each Plan Year, the Plan
Administrator will determine whether the Plan is a Top-Heavy Plan.

                                      -38-
<PAGE>
         (a)      The Plan will be determined to be a Top-Heavy Plan if it
satisfies either Paragraph (1) or Paragraph (2).

                  (1) Except as provided in Paragraph (3), the Plan will be a
         Top-Heavy Plan for a Plan Year if, as of the Determination Date, the
         aggregate of the Accounts of Key Employees exceeds 60% of the aggregate
         of all the Accounts of all Employees.

                  (2) Except as provided in Paragraph (3), the Plan will be a
         Top-Heavy Plan for a Plan Year if it is included in a Required
         Aggregation Group that is a Top-Heavy Group for the Plan Year.

                  (3) The Plan will not be a Top-Heavy Plan for a Plan Year if
         it is included in an Aggregation Group (whether a Required Aggregation
         Group or a Permissive Aggregation Group) that is not a Top-Heavy Group
         for the Plan Year.

         (b) An Aggregation Group will be a Top-Heavy Group for the Plan Year if
(as of the respective Determination Dates that occur in the same calendar year
for each of the plans in the Aggregation Group) the sum of:

                  (1)      the present value of the cumulative accrued benefits
         for Key Employees under all defined benefit Retirement Plans included
         in the Aggregation Group, and

                  (2)      the aggregate balances of the accounts of Key
         Employees under all defined contribution Retirement Plans included in
         the Aggregation Group,

exceeds 60% of a similar sum determined for all Employees.

         (c)      In making the determinations required by this Section, the
rules of Section 13.03 will apply.

         Section 13.03.  Special Rules Relating to Determination of Top-Heavy
Status.  In making the determinations required by this Article, the following
rules will apply:

         (a) In determining the present value of an Employee's accrued benefits
under any defined benefit Retirement Plan, the mortality table and interest rate
set out in that Retirement Plan will be used.

         (b) For purposes of determining the present value of an Employee's
accrued benefit and accounts under this Article, distributions made with respect
to the Employee during the 5-year period ending on the Determination Date will
be taken into account. The preceding sentence will also apply to distributions
under a terminated Retirement Plan that would have been required to be included
in the Aggregation Group if the Retirement Plan had not been terminated.

                                      -39-
<PAGE>

         (c) All Retirement Plans included in the Required Aggregation Group
must be aggregated to determine whether they constitute a Top-Heavy Group.

         (d) If an individual is a Non-Key Employee with respect to any
Retirement Plan for a Plan Year, but the individual was a Key Employee with
respect to the Retirement Plan for any prior Plan Year, no accrued benefit or
account of the Employee will be taken into account in determining top-heavy
status.

         (e) If an individual has not performed any service for the Employer at
any time during the 5-year period ending on the Determination Date, the accrued
benefits and accounts of that individual will not be taken into account.

         (f) For purposes of determining the present value of the accrued
benefit of an Employee other than a Key Employee, the accrued benefit will be
determined (1) under the method used for accrual purposes for all Retirement
Plans of the Employer, or (2) if there is no method described in Clause (1), as
if the benefit accrued not more rapidly than the slowest accrual rate permitted
under Code subparagraph 411(b)(1)(C).

                                   ARTICLE XIV
                            MISCELLANEOUS PROVISIONS

         Section 14.01. Merger, Consolidation, or Transfer of Assets or
Liabilities. The Plan will not merge with, consolidate with, or transfer any of
its assets or liabilities to any other plan unless each Participant in the Plan
would, if the Plan then terminated, receive a benefit immediately after the
merger, consolidation, or transfer that is equal to or greater than the benefit
he would have been entitled to receive immediately before the merger,
consolidation, or transfer, if the Plan had then terminated.

         Section 14.02. No Duplication of Benefits. Nothing in this Plan will be
construed to permit any duplication of the benefits of a former Participant upon
his re-entry into the Plan as a Participant after retirement or Separation from
Service. Any such duplication of benefits is specifically prohibited.

         Section 14.03. Named Fiduciaries. The Company, the Plan Administrator
and the Trustee are hereby designated as named fiduciaries with respect to the
Plan. Each named fiduciary will have only such authority as to the control and
management of the operation and administration of the Plan as is specifically
given to it by the provisions of the Plan. No named fiduciary will be subject to
the direction or control of another named fiduciary except to the extent, and in
the manner, specifically provided in the Plan or in the Trust Agreement. Each
named fiduciary will discharge its duties with respect to the Plan in accordance
with the applicable provisions of ERISA.

         Section 14.04. Bonding. Each fiduciary of the Plan and Trust and each
person who handles funds of the Plan and Trust will be bonded, except a
corporate Trustee who is exempt from the ERISA bonding requirements.

                                      -40-
<PAGE>
         Section 14.05.  Military Service.  Notwithstanding any other provision
in the Plan to the contrary, the Plan will be administered and construed in a
manner that complies with the applicable provisions of the Uniformed Services
Employment and Reemployment Rights Act of 1994 (43 U.S.C. 4301 et seq.), as
amended from time to time.

         Section 14.06. Prohibition Against Receipt of Transfers From Certain
Qualified Plans. No transfer of funds with respect to a Participant will be
accepted by the Plan if the transfer would cause the Plan to be a direct or
indirect transferee (within the meaning of Code clause 401(a)(11)(B)(III)) of a
Plan to which Code paragraph 401(a)(11) applies. This Section will not be
construed to authorize the acceptance by the Plan of a transfer not otherwise
authorized under the terms of the Plan.

                                            BRIGHTPOINT, INC.

                                            By /s/ STEVEN E. FIVEL
                                              ----------------------------
                                                       (Signature)
                                               STEVEN E. FIVEL
                                              ----------------------------
                                                        (Printed)
                                               EXECUTIVE VICE PRESIDENT
                                              ----------------------------
                                               AND GENERAL COUNSEL
                                              ----------------------------
                                                         (Office)

ATTEST:

 /s/ PHILLIP A. BOUNSALL
----------------------------
         (Signature)
     PHILLIP A. BOUNSALL
-----------------------------
         (Printed)
EXECUTIVE VICE PRESIDENT,
----------------------------
CHIEF FINANCIAL OFFICER
----------------------------
         (Office)

                                      -41-
<PAGE>

                              ADDENDUM TO ARTICLE V

         Pursuant to Section 5.02 of the Plan, the assets of the Plan will be
invested in one or more of the following common Funds:

         Company Stock Fund.  The assets of the Company Stock Fund will be
invested primarily in the common stock of the Company.

         The Cash Management Trust of America.  Invests in short term money
market funds including (but not limited to) commercial paper, commercial bank
and savings obligations, corporate bonds and notes, and U.S. government
securities.

         The Bond Fund of America. Invests the majority of its assets (at least
60%) in securities initial rated A or better by Moody's or Standard and Poor's
while investing in lower rated, higher risk securities and non-U.S. bonds when
appropriate.

         American High-Income Trust. Focuses on the high-yield, high-risk
segment of the bond market with a highly diversified portfolio of corporate
bonds rated Ba and BBB or lower by Moody's or Standard and Poor's.

         Washington Mutual Investor's Fund. Purchases only those securities
which meet specified guidelines for return of capital, financial strength, and
dividend payment. Does not invest in tobacco or alcohol companies.

         The New Economy Fund.  Invests in a range of companies in the services
and information area of the U.S. and other economies.  Has the flexibility to
invest up to 40% of its assets in companies based outside the U.S. which may
involve special risks such as currency fluctuations, political instability,
differing securities regulations, and periods of illiquidity.  These risks,
inherent in investment outside the U.S. may be reduced through global
diversification.

         SMALLCAP World Fund.  Emphasizes the smallest 20% of U.S. companies and
companies of similar size around the world.  Invests in companies both in high
growth industries as well as exceptional stocks in mature industries.  Smaller
capitalization stocks may be subject to greater price fluctuations and stocks
outside the U.S. involve special risks.  (see above)

         The Growth Fund of America. Invests in more than 130 companies from
fields as diverse as health care, financial services, retailing, and
manufacturing. Has the flexibility to invest; wherever the best growth
opportunities are, including cyclical companies, depressed industries,
turnarounds, value situations, and growth stocks.

         EuroPacific Growth Fund.  Invests in the stocks of non-U.S. companies
of all sizes.  May invest in major world markets as well as in smaller,
developing countries.  Investments outside the U.S. involve special risks. (see
above)

                                      -42-
<PAGE>

While pending investment in designated instruments, amounts in any Fund may be
invested by the Trustee in secure, short-term investments. Where necessary to
meet current cash requirements of the Plan and Trust, the Trustee may retain a
portion of any Fund's assets in cash.

         Pursuant to Section 5.07 of the Plan, the Cash Management Trust of
America Fund is designated as the Fund in which a Participant's Salary
Redirection Account and Rollover Account will be invested in the absence of the
Participant's direction.

                                      -43-

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