Document:

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                                                                   EXHIBIT 10.14

CONFIDENTIAL AND PROPRIETARY
                                                            Agreement No. 94151V

                     VALUE ADDED RESELLER LICENSE AGREEMENT
                              FOR UNIFACE SOFTWARE
                                  ("Agreement")

THIS AGREEMENT is between:

         JDA Software Group, Inc.
         14400 North 87th Street
         Scottsdale, AZ 85260-3649

hereafter "VAR" and Compuware Corporation, a Michigan corporation, with offices
+at 31440 Northwestern Highway, Farmington Hills, M1 48334, United States,
(hereafter "Compuware") effective April 1, 2000, ("Effective Date") and ending
March 31, 2005, ("Term"). This Term may be extended an additional three (3)
years upon mutual consent of VAR and Compuware.

[LOGO OF COMPUWARE]

                                                               REVIEWED/APPROVED
                                                                   JDA LEGAL

                                      -1-
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                                Table of Contents

<TABLE>
<S>                                                                           <C>
I.       PARTIES............................................................   3

II.      SCOPE OF THIS AGREEMENT............................................   3

III.     DEFINITIONS........................................................   3

IV.      TERMS AND CONDITIONS...............................................   5

V.       ENTIRE AGREEMENT...................................................  19

VI.      EXHIBIT LIST.......................................................  20

VII.     EXHIBIT I. VAR PROFILE.............................................  21

IX.      EXHIBIT II. REMARKETERS LIST.......................................  24

X.       EXHIBIT III. COMPUWARE TRIAL AGREEMENT.............................  26

XI       EXHIBIT IV. VAR QUARTERLY ROYALTY REPORT...........................  27

XII.     EXHIBIT V. NON-DISCLOSURE AGREEMENT................................  28

XIII.    EXHIBIT VI. SAMPLE COMPUWARE LICENSE AGREEMENT AND
         PRODUCT SCHEDULE...................................................  31
</TABLE>

                                                               REVIEWED/APPROVED
                                                                   JDA LEGAL
                                      -2-
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I.   PARTIES

     Compuware designs, develops and licenses computer programs and provides
     related services. VAR is a "value added reseller", as defined herein, of
     computer programs and related services. Each party represents that it is
     engaged in the business described herein and that it has all rights and
     authority to enter into this Agreement and undertake the obligations
     contained herein.

II.  SCOPE OF THIS AGREEMENT

     Subject to the terms and conditions of this Agreement, including the
     Exhibits referenced herein, Compuware agrees to license and provide, and
     VAR agrees to license UNIFACE Software and purchase services on a worldwide
     basis as defined herein during the term of this Agreement. Specifically,
     this Agreement grants VAR the right to incorporate into the VAR Application
     Software and distribute to its customers:

     -  UNIFACE Runtime
     -  Application Server
     -  Component Server
     -  Web Application Server
     -  Polyserver

This Agreement DOES NOT include right to distribute:

     -  UNIFACE Development Licenses
     -  General Use UNIFACE Runtime Licenses
     -  UNIFACE Mainframe Software

III. DEFINITIONS

     (a)  "Annual Maintenance Plan" means the Support Services described herein
          to be provided by Compuware to VAR for UNIFACE Software during a one
          year period.

     (b)  "VAR Application Software" means the specific computer software
          program developed by VAR using UNIFACE Software and containing UNIFACE
          Content as described in Exhibit 1. VAR Application Software includes
          Deployment Software.

     (c)  "UNIFACE Content" means software developed with the UNIFACE
          Development environment or containing elements of the UNIFACE runtime
          system. VAR software that meets the following criteria does not
          contain UNIFACE Content: (i) sold as a separate line item by VAR for
          use with VAR Application Software; (ii) does not use any UNIFACE data
          access mechanisms to access data; (iii) can execute without using any
          element of UNIFACE; (iv) can execute on a system on which UNIFACE is
          not installed; (v) does not access the UNIFACE meta dictionary; and
          (vi) was not built using the UNIFACE development environment.

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         (d)      "UNIFACE Software" means the object code version of the
                  Compuware software program "UNIFACE Application Development
                  and Deployment System", listed in Exhibit I, in such form,
                  version, release and content as initially licensed to VAR
                  under this Agreement including a copy of any user
                  documentation normally supplied by Compuware.

         (e)      "Deployment Software" means the object code, run-time portion
                  of UNIFACE Software incorporated in the VAR Application
                  Software.

         (f)      "Development Software" means the development portion of
                  UNIFACE Software to be accessed and used solely by the VAR
                  only to develop, maintain or modify the VAR Application
                  Software, including VAR Application Software development or
                  enhancements for specific End User installation requirements.

         (g)      "End User" means a VAR Application Software licensee.

         (h)      "Proprietary Information" means UNIFACE Software, VAR
                  Application Software and any other information (including
                  business information) confidential to Compuware or its
                  licensors, or confidential to VAR or its licensors which is
                  disclosed to Compuware by VAR or to VAR by Compuware.

         (i)      "Severity One Defect" means a defect exclusively within the
                  Deployment Software that causes the VAR Application Software
                  to: (i) fail to execute; (ii) malfunction in a manner that
                  adversely affects data integrity in the database or in the
                  reporting of data; or (iii) sustain a highly visible error
                  with no available workaround.

         (j)      "Support Services" as used herein means the standard Compuware
                  software maintenance services for UNIFACE Software, including
                  all copies of Development and Deployment Software. Such
                  Support Services are mandatory for UNIFACE Software licensed
                  to develop and support VAR Application Software and must be
                  procured on an annual bases. If VAR permanently discontinues
                  its use of a product it may elect to discontinue maintenance.

         (k)      "Royalties" means the monies due to Compuware for each license
                  of VAR Application Software as set forth in Exhibit I.

         (l)      "Sales and Marketing Purposes" means Deployment Software used
                  by VAR, its agents or distributors for sales, benchmarking, or
                  demonstrating the VAR Application Software. Said use shall be
                  limited to periods of up to 30 days per perspective End User.

         (m)      "Major Release" is a new version of UNIFACE Software as
                  defined by Compuware that includes new functionality.
                  Typically, a Major Release is indicated by a change in release
                  number to the right of the decimal point (i.e. the conversion
                  from UNIFACE 7.1 to 7.2).

                                                               REVIEWED/APPROVED
                                                                   JDA LEGAL
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         (n)      "Maintenance Release" is a change made within one Major
                  Release that may contain bug fixes and/or improvements (e.g.,
                  from UNIFACE 6.1.d to UNIFACE 6.1 .e; from UNIFACE 7.1.01 to
                  7.1.02, etc.).

IV.      TERMS AND CONDITIONS

         1.       Value Added Reseller License

         (a)      Compuware grants VAR a non-exclusive, non-transferable license
                  to use UNIFACE Software only to market, develop and deploy VAR
                  Application Software upon the terms and conditions herein
                  contained on the platforms and in the operating environments
                  at the location identified on Exhibit I and in Product
                  Schedule(s). Such license for marketing will be limited for
                  use by VAR, its contractors, agents and distributors for Sales
                  and Marketing Purposes. Such license for development will be
                  limited for use by JDA employees or contractors to develop,
                  modify, enhance and maintain the VAR Application Software
                  defined in Exhibit I. Such license for deployment will be
                  limited to an authorized market and territory assignment as
                  defined in Exhibit I. Except as expressly hereby authorized,
                  VAR is not licensed by this Agreement to use the UNIFACE
                  Software for any other purpose. VAR agrees to maintain
                  sufficient development licenses to meet peak usage
                  requirements, such that at no time are there more development
                  licenses installed on VARs, VAR's contractors, or VAR's agents
                  machines than have been purchased by VAR.

                  (b)      The parties hereby agree and undertake at all times
                  during the term of this Agreement:

                  -        conduct business in a businesslike manner and not
                           engage in deceptive, misleading, illegal or unethical
                           business practices.

                  -        VAR will accurately represent the VAR Application
                           Software in terms of function and performance;

                  -        VAR will market the VAR Application Software only
                           pursuant to terms which are consistent with the terms
                           of this Agreement;

                  -        not make any representations, warranties or
                           guarantees that are inconsistent with or in addition
                           to those made in this Agreement;

                  -        VAR will provide End Users with technical and
                           maintenance support;

                  -        notify the other party immediately of any legal or
                           other notices which come to such party's knowledge
                           and which may potentially affect the other party, its
                           licensors and/or vendors and,

                  -        VAR will promptly respond to any verified complaints
                           regarding VAR Application Software received from its
                           End Users.

         (c)      By paying the fees then in effect, minus applicable discounts,
                  the UNIFACE Software may be licensed for use on qualified
                  alternate platforms and in additional operating environments.

                                                               REVIEWED/APPROVED
                                                                   JDA LEGAL
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         (d)      Title to UNIFACE Software will remain with Compuware. VAR will
                  acquire no rights to any UNIFACE Software, except to the
                  extent VAR acquires the right to use the UNIFACE Software to
                  market, develop and deploy VAR Application Software.

         (e)      Title to VAR Application Software will remain with VAR.
                  Compuware will acquire no rights to any VAR Application
                  Software.

         (f)      Except for subsidiaries that are at least fifty-one percent
                  (51%) owned or controlled by VAR, VAR shall not assign or
                  transfer its rights in, or obligations under, this Agreement
                  without the prior written consent of Compuware. In the event
                  of the sale of all or substantially all of VAR's assets,
                  Compuware will allow the new entity to license the UNIFACE
                  Software under substantially the same terms contained herein
                  at the then current published license fee, less the previously
                  paid license fees for the UNIFACE Software licensed to VAR.
                  Compuware reserves the right to withhold this option if the
                  new entity is a direct competitor of Compuware, an entity with
                  which Compuware is involved in litigation, or an entity with
                  which Compuware has encountered a previous incidence of
                  intellectual property right infringement. Any assignment or
                  transfer prohibited by this provision will be void.

         (g)      In no event is VAR authorized hereunder to enter into an
                  agreement with others to distribute, remarket or otherwise
                  sub-license VAR Application Software, other than those
                  distributors identified in Exhibit II, without the prior,
                  written consent of Compuware, which shall not be unreasonably
                  withheld. Any such agreement with others shall be limited to
                  the distribution of VAR Application Software and shall contain
                  no other rights or provisions that may jeopardize the
                  intellectual property rights of Compuware.

         (h)      The VAR Application Software shall not contain Development
                  Software, and nothing in this Agreement shall authorize, grant
                  or otherwise permit the transfer or disclosure of Development
                  Software by VAR to others.

         (i)      VAR shall observe all applicable laws and regulations in
                  respect of and obtain all necessary licenses, consents and
                  permissions required for the marketing and license of VAR
                  Application Software, (including without limitation, the U.S.
                  Export Administration Regulations and U.S. Department of
                  Commerce Regulations and EU dual use legislation and local
                  import and export regulations regarding the export or transfer
                  of goods), and VAR shall provide Compuware with all
                  information reasonably necessary to ensure that the UNIFACE
                  Software complies with local laws and regulations and promptly
                  advise Compuware of any change or proposed change in such laws
                  and regulations known to VAR.

         (j)      VAR and Compuware may modify the Market and Territory
                  Assignment set out in Exhibit I by prior written agreement.

                                                               REVIEWED/APPROVED
                                                                   JDA LEGAL
                                      -6-
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         (k)      VAR acknowledges that each copy of UNIFACE Software and the
                  Deployment Software included in VAR Application Software
                  licensed to an End-User will require a software enabling key
                  ("SEK") that will be issued by Compuware upon receipt of: (i)
                  name and address of End-User, (ii) description of products,
                  (iii) Royalty, and (iv) description of the End-User's
                  infrastructure (i.e. Platforms, databases, etc.).

         (l)      VAR shall include in the VAR Application Software and on the
                  exterior label of every media, a copyright notice in this
                  form: "Portions of this program, Copyright 199___, Compuware,
                  All Rights Reserved." In cases where the VAR Application
                  Software is contained in Read-Only-Memory (ROM) chips, a
                  copyright notice in the form listed above, must be displayed
                  on the exterior of the chip and internally in the chip in
                  ASCII literal form.

         (m)      In order to ensure that VAR will be capable of providing
                  support to End Users and as a condition to the right of VAR to
                  grant sublicenses to End Users pursuant to the terms of this
                  Agreement, VAR agrees that, with respect to each qualified
                  hardware, platform and operating system configuration set
                  forth on Exhibit I for which VAR intends to grant a
                  sublicense, VAR shall purchase a license from Compuware for
                  use of the UNIFACE Software on such designated platform and
                  configurations in the quantities required by VAR to develop
                  deploy, maintain and support VAR Application Software, shall
                  install the UNIFACE Software on such designated platforms and
                  configuration and shall obtain and maintain the Support
                  Services for such UNIFACE Software.

         (n)      VAR shall have the right to use VAR Application Software
                  incorporating the Deployment Software, without incurring any
                  obligation to pay royalties to Compuware in respect thereof,
                  for Sales and Marketing Purposes.

         (o)      VAR may deliver copies of the VAR Application Software to a
                  prospective End User on a trial basis for evaluation purposes
                  only after such prospective End User has signed a trial
                  license with provisions comparable to those contained in the
                  Compuware Trial Agreement, a copy of which is attached as
                  Exhibit III hereto. All such evaluation copies of the VAR
                  Application Software installed by VAR at a prospective End
                  User's site shall be removed by VAR upon completion of the
                  evaluation period. Any evaluation copies not removed and
                  returned to VAR at the end of the evaluation period, which
                  includes any extension of such evaluation period, are deemed
                  to be licensed, and royalties and related maintenance and
                  support fees in respect thereof shall become immediately due
                  to Compuware.

         (p)      Compuware reserves the right to License, support, install and
                  service its products, including without limitation UNIFACE
                  Software, either directly to End Users or through other VAR's,
                  representatives, distributors or other distribution channels.
                  VAR hereby acknowledges that Compuware may independently
                  develop, or have developed for it, sell and market either
                  directly or indirectly, products similar to the VAR
                  Application Software and

                                                               REVIEWED/APPROVED
                                                                   JDA LEGAL
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                  nothing herein shall be deemed to give VAR an exclusive right
                  to develop or sell products similar to the VAR Application
                  Software. Notwithstanding anything in this Agreement to the
                  contrary, Compuware shall not market or license Deployment
                  Software to End Users for incorporation into VAR Application
                  Software. If Compuware does market Deployment Software to End
                  Users for incorporation into VAR Application Software, VAR
                  will not owe Compuware the applicable royalty for the VAR
                  Application Software that VAR licensed to such End User.

         (q)      VAR shall maintain accurate books and records of all dealings
                  under this Agreement including any licensing of UNIFACE
                  Software and VAR Application Software and the furnishing of
                  support services; Such books and records shall be prepared and
                  maintained in a manner that will reasonably facilitate
                  Compuware's verification of each report prepared by VAR. Such
                  books and records shall be kept and maintained by VAR during
                  the term of this Agreement and for a period of not less than
                  three years from the date of the transaction. If this
                  Agreement is terminated, VAR shall transfer copies of all such
                  books and records to Compuware within a period of thirty (30)
                  days of such termination upon Compuware's written request.

         (r)      VAR agrees to provide to Compuware a quarterly report setting
                  out the licensing and services furnished under the Agreement
                  including a reconciliation of royalties due Compuware in a
                  form substantially in the form of Exhibit IV. Such report
                  shall be submitted to Compuware no later than thirty (30) days
                  after the end of each calendar quarter in which this Agreement
                  is in effect.

                  In addition, VAR agrees to provide to Compuware a report of
                  each installation of VAR Application Software that report
                  shall include details of End Users (a purchase order that
                  includes End User name and address, description of products,
                  and description of infrastructure, i.e. platforms, databases,
                  etc.). Such report shall be submitted to Compuware upon the
                  installation and/or the license of the VAR Application
                  Software of the End User, whichever occurs sooner.

         (s)      Compuware shall have the right, not more than once during each
                  of VAR's fiscal years, on reasonable notice and during normal
                  business hours to visit and inspect VAR's place of business
                  and applicable sales records to attempt to verify VAR's
                  compliance with its obligations under this Agreement.
                  Additionally, VAR agrees that Compuware shall have the right
                  to have VAR's books and records of sales audited by an
                  independent auditor of Compuware's choice not more than once
                  during each of VAR's fiscal years, but not during the months
                  of January or February. Such auditor's fees shall be borne by
                  Compuware, unless such audit shows an underpayment of
                  royalties of 5% or more of the royalties actually owing for
                  the period in question, in which event, the auditor's fees
                  shall be paid by VAR.

                                                               REVIEWED/APPROVED
                                                                   JDA LEGAL
                                      -8-
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         2.       Sublicense of Deployment Software

         (a)      VAR agrees to use, market and sublicense the Deployment
                  Software solely and exclusively as part of the VAR Application
                  Software for the exclusive use by its End Users on supported
                  UNIFACE Software platforms.

         (b)      VAR will distribute the Deployment Software as incorporated in
                  the VAR Application Software to End Users only after VAR and
                  such End Users have entered into a software license agreement
                  containing substantially the following terms:

                  (i)      End User will not adapt, translate, decompile,
                           disassemble or create derivative works unless End
                           User licenses Source Code from VAR, in which case,
                           VAR shall 1) notify Compuware of End User's source
                           code license, 2) pay Compuware a royalty rate of
                           seven percent (7%) of the source code license fee,
                           and 3) VAR will require End User to license
                           appropriate number of Development Licenses.

                  (ii)     End User will not sublicense, rent, lease or
                           otherwise assign or transfer this Agreement or the
                           VAR Application Software. Notwithstanding the
                           foregoing, the End User can be permitted to assign or
                           transfer the license for "the VAR Application
                           Software provided that (i) Compuware receives advance
                           written notification, and (ii) the assignee or
                           transferee agrees in writing to be fully bound by the
                           terms and conditions of the software license
                           agreement. Variance with these terms will result in
                           the automatic termination of End User's license;

                  (iii)    End User may make a reasonable number of copies
                           necessary to exercise their license grants. End User
                           shall reproduce and include the copyright notice of
                           VAR and Compuware on any copy of the VAR Application
                           Software;

                  (v)      End User acknowledges and understands that portions
                           of the VAR Application Software are licensed to VAR
                           by Compuware;

                  (vi)     The copyright and other intellectual property rights
                           in the VAR Application Software except for the
                           Deployment Software are and at all times shall remain
                           the property of VAR or its licensors and End Users
                           agrees that the Application Software is for internal
                           data processing purposes of End Users and agrees not
                           to copy nor disclose the VAR Application Software to
                           others.

                  (vii)    Compuware regards the UNIFACE Software as proprietary
                           information and as trade secrets. End User agrees to
                           hold such proprietary information or trade secrets in
                           strictest confidence, not to disclose it to any third
                           party and to exercise the same degree of care (but no
                           less than reasonable care) to safeguard the

                                                               REVIEWED/APPROVED
                                                                   JDA LEGAL
                                      -9-
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                           confidentiality of such information as End User would
                           exercise to safeguard its own proprietary information
                           of a similar nature.

                  (viii)   End User agrees that Compuware shall have the right,
                           as an intended third-party beneficiary of this
                           Agreement, to rely upon and directly enforce the
                           terms set forth in this Agreement.

         (c)      VAR will offer to provide End-User with ongoing support
                  service.

         3.       Orders, Delivery And Acceptance

         (a)      All orders for Development Software issued by VAR will be in
                  writing on a Product Schedule, will refer to and be subject to
                  the terms and conditions of this Agreement, the Product
                  Schedule and any Exhibits, and will be forwarded to the
                  Compuware managing office at the address set forth in Exhibit
                  I. Any additional terms and conditions contained on any
                  purchase order or other VAR order document are of no force or
                  effect, and Compuware hereby gives notice of objection to such
                  additional terms. Orders will bind Compuware only when
                  accepted by written confirmation

         (b)      The UNIFACE Software described in the Product Schedule(s) will
                  be deemed accepted by VAR upon VAR's execution of the Product
                  Schedule(s) or upon VAR's use of the UNIFACE Software,
                  whichever is earlier.

         (c)      Compuware will package and ship UNIFACE Software in accordance
                  with its standard practices. Shipment will be by means
                  selected by Compuware. Risk of loss and damage will pass to
                  VAR upon delivery to VAR's location.

         4.       Fees and Royalties

         (a)      Royalties. In consideration of the rights granted herein, VAR
                  agrees to pay Compuware the license fees for the UNIFACE
                  Software as set out in Exhibit I and royalties for each copy
                  of VAR Application Software as set out in Exhibit I licensed
                  to use or accessed by an End User (except for evaluation
                  copies under Section IV.1(o), whether or not VAR has received
                  payment from End User. The royalties will be calculated as set
                  forth in Exhibit I and payable under the terms of this
                  Agreement.

         (b)      Support Services Fees for UNIFACE Software and VAR Application
                  Software. VAR agrees to pay annual Support Services fees on
                  UNIFACE Software and Deployment Software by paying in advance
                  the Support Services fees set forth in Exhibit I.

         5.       Payment Terms

         (a)      Payment of License Fees and Support Services Fees. Invoices
                  will be issued by Compuware upon execution of the Agreement
                  and subsequent Product Schedules for all UNIFACE Software and
                  for Support Services.

                                                               REVIEWED/APPROVED
                                                                   JDA LEGAL
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                  Support Service fees renew annually after the initial period.
                  Payment terms are net thirty (30) days from the date of
                  invoice and payable in US dollars.

         (b)      Payment of Royalties and Support Services Fees. VAR shall pay
                  royalties and Support Services fees due Compuware within
                  thirty (30) days after the end of each month in which fees for
                  such royalties or End Users support fees were recognized.
                  Royalty and Support Services payments shall be made to
                  Compuware in US dollars.

         (c)      Compuware may impose a late payment charge on all undisputed
                  unpaid fees and royalties equal to the lesser of (i) 1% per
                  month of the outstanding amount due or (ii) the maximum rate
                  allowed by law. If VAR becomes delinquent in the payment of
                  any amount due, Compuware may, among other remedies available
                  at law or in equity, suspend performance under this Agreement.

         (d)      If Compuware fails to remedy Severity One Defects in the
                  UNIFACE Software within a commercially reasonable period, VAR
                  may, among other remedies available at law or in equity under
                  this Agreement, with regard to those End Users who are under a
                  current maintenance program and are experiencing the Severity
                  One Defects problem:

                      (i)      suspend performance;

                      (ii)     cease to pay maintenance; and

                      (iii)    apply one of the following remedies with respect
                               to each End User experiencing the Severity One
                               Defects:

                           a)       withhold payment to Compuware in an amount
                                    equal to UNIFACE Software royalties paid by
                                    such Severity One experiencing End User; or

                           b)       receive a credit of royalty for the Severity
                                    One experiencing End User where VAR issues a
                                    credit as a result of Severity One Defects.

         (e)      If Compuware fails to release a Major Release within 24 months
                  of the previous Major Release, the then current royalty rate
                  shall decrease (0.5%) for each year thereafter in which a
                  Major Release is not released ("Adjustment"). If Compuware has
                  not issued a Major Release within 24 months during a prepay
                  royalty period, the prepaid royalty rate will remain in effect
                  with the Adjustment after the expiration of the pre-paid
                  royalty period, until such time that a Major Release is
                  issued. At such time, the royalty rate will revert to the rate
                  specified in Exhibit I (the non-prepay royalty rate) or JDA
                  may elect to make an additional pre-payment at that time to
                  reinstate the 7% rate. Compuware will provide a credit to JDA
                  towards future royalties equivalent to the amount JDA would
                  have paid if no Adjustment(s) were made, less what JDA
                  actually paid with the Adjustment(s).

                                                               REVIEWED/APPROVED
                                                                   JDA LEGAL
                                      -11-
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         6.       Support and Obligations Of VAR

         (a)      As between Compuware and VAR, VAR shall be responsible for
                  first line support to End Users of the VAR Application
                  Software, whether or not VAR charges End User(s) for support.
                  VAR shall provide End Users on support for which maintenance
                  service was paid with (i) first line technical support by
                  maintaining a qualified support group, (ii) a service to
                  ascertain the nature of problems an End-User may be
                  experiencing and correct such problems, and (iii) other
                  related maintenance services.

         (b)      Annual Maintenance Plan services and fees are mandatory for
                  both UNIFACE Software and for Deployment Software for the
                  first year. Thereafter, VAR shall pay Compuware maintenance
                  for each Deployment Software for which it assesses maintenance
                  fees. Annual Maintenance Plan fees are set out in Exhibit I
                  and are payable annually in advance. If an Annual Maintenance
                  Plan is not continued, no support will be provided, including
                  providing of enhancements, new releases, or fixes and a new
                  version of ODBMS would require a royalty payment based on the
                  license fee charged by VAR.

         7.       Obligations Of Compuware

         (a)      Compuware will make available upon request, with reasonable
                  notice, to VAR's sales and technical staff sales collateral
                  materials as reasonably required regarding UNIFACE Software,
                  to use. Compuware will also make available upon request, with
                  reasonable notice, and at the expense of VAR, training
                  services. The type and cost for such training will be as
                  specified in a Product Schedule.

         (b)      VAR will be entitled to the following services from Compuware:

                  -        the supply of any available Maintenance Release
                           and/or updates of the appropriate UNIFACE Software;

                  -        user documentation on payment of a charge for the
                           media, transportation and handling charges involved;

                  -        copies of Compuware's technical bulletin normally
                           furnished by Compuware to customers as and when the
                           same are published by Compuware;

                  -        non-exclusive access to technical hotline support
                           from Compuware

         (c)      The technical hotline is only for use by employees or
                  contractors of VAR who received training in the use of UNIFACE
                  Software. VAR agrees to have at all times a staff of a minimum
                  of two (2) persons who received such training. The technical
                  hotline will only be used to resolve problems stemming from
                  the demonstrable failure of the UNIFACE Software to work in
                  accordance with Compuware user manuals as updated from time to
                  time. Any other use of the technical hotline by VAR will be
                  chargeable by

                                                               REVIEWED/APPROVED
                                                                   JDA LEGAL
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                  Compuware in accordance with Compuware's normal practice and
                  payable by VAR within thirty (30) days of the date of
                  Compuware's invoice therefor.

         (d)      VAR acknowledges that the technical hotline is not for use by
                  End Users and shall not permit any End User to make direct use
                  of the technical hotline.

         (e)      Compuware will provide VAR with (i) a reasonable quantity of
                  brochures and other sales promotion material at no charge and
                  (ii) periodic marketing communications and updates regarding
                  the UNIFACE Software. At VAR's request, Compuware will furnish
                  additional copies of any available non-proprietary materials
                  regarding the UNIFACE Software at Compuware's then current
                  cost.

         (f)      Additional products and services are available from Compuware
                  at Compuware's then current rates and terms.

         8.       Warranties And Disclaimers

         (a)      Compuware warrants that UNIFACE Software delivered by
                  Compuware to VAR will operate on designated platforms in
                  substantial accordance with the specifications set forth in
                  Compuware user manuals.

         (b)      This warranty does not apply to any UNIFACE Software that: (i)
                  has been altered; (ii) has not been handled, installed,
                  maintained, or operated in substantial accordance with
                  Compuware instructions; or (iii) has been damaged by accident,
                  misuse, negligence, or external factors.

         (c)      Compuware warrants that any services furnished by it pursuant
                  to this Agreement will be performed with reasonable skill and
                  care consistent with industry standards.

         (d)      Compuware warrants that it has all right, title and interest
                  in the UNIFACE Software necessary to grant the rights
                  contained herein.

         (e)      YEAR 2000 WARRANTY:

                  Provided payment for maintenance is current and Licensee has
                  installed the latest available Software release, Compuware
                  warrants that all new releases of the Software licensed
                  hereunder, marketed as "Year 2000 Compliant" and made
                  generally available after July 1, 1998 are enabled to process
                  post year 2000 dates. Specifically, Compuware defines year
                  2000 compliant as the Software being functional in a post year
                  2000 environment and will perform substantially as stated in
                  the Software documentation. Compuware Software may display
                  dates in either 2 or 4 digit year formats. If 2 digit year
                  displays are used, it will be clearly evident to the Software
                  user, based on Software function and documentation, that the 2
                  digit "00" represents the year 2000. When required, Software
                  will either process with 4 digit years and/or implement

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                  century windowing techniques to handle and process post year
                  2000 dates.

                  The above Year 2000 warranty shall be incorporated into the
                  Agreement and subject to all terms, conditions, restrictions
                  and limitations contained therein including, but not limited
                  to the Limitation of Liabilities and Indemnification.

         (f)      VIRUS: Compuware warrants that it has taken reasonable steps
                  to test any Software delivered hereunder for Computer Virus
                  and that the Software is free of Computer Viruses as of the
                  date of delivery by Compuware and that Compuware will continue
                  to take such steps with respect to future enhancements or
                  modifications to the Software. "Computer Virus" is defined as
                  computer instructions that alter, destroy or inhibit the
                  Software and/or Licensee's processing environment, including,
                  but not limited to, other programs that self-replicate without
                  manual intervention, instructions programmed to activate at a
                  predetermined time or upon a specific event, and/or programs
                  purporting to do a meaningful function but designed for a
                  different function. Compuware will maintain a master copy of
                  each version of the Software, to the best of Compuware's
                  knowledge to be free and clear of any Computer Virus.

         (g)     VAR is relying on its own skill and judgment in relation to the
                 UNIFACE Software irrespective of any knowledge it or its
                 servants or agents may possess as to the purpose for which the
                 UNIFACE Software is supplied and Compuware makes no warranty
                 that the UNIFACE Software will meet VAR's requirements or those
                 of any End User.

         (h)      Notwithstanding the foregoing, Compuware makes no warranty
                  that operation of the UNIFACE Software will be uninterrupted
                  or error-free, nor that the UNIFACE Software will be
                  compatible with and/or work in conjunction with any VAR
                  Application Software or any other software or hardware.

         (i)      EXCEPT AS EXPRESSLY STATED IN THIS AGREEMENT, THERE ARE NO
                  WARRANTIES, EXPRESS OR IMPLIED, BY OPERATION OF LAW OR
                  OTHERWISE, AND ALL SOFTWARE, SERVICES AND OTHER ITEMS ARE
                  PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. COMPUWARE
                  DISCLAIMS THE IMPLIED WARRANTIES OF MERCHANTABILITY AND
                  FITNESS FOR A PARTICULAR PURPOSE AS TO BOTH COMPUWARE AND
                  NON-COMPUWARE PRODUCTS. ANY WARRANTIES MADE TO VAR UNDER THIS
                  AGREEMENT EXTEND SOLELY TO VAR.

         9.       Limitations Of Liability And Indemnification

         (a)      VAR's sole and exclusive remedies for damages from any cause
                  related to or arising out of this Agreement whether, based on
                  negligence, breach of contract, warranty or other legal
                  theory, will be those provided in this Agreement.

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         (b)      IN NO EVENT WILL EITHER PARTY BE LIABLE FOR: (I) ANY
                  INCIDENTAL, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES
                  INCLUDING, BUT NOT LIMITED TO, LOSS OF USE, LOSS OF GOODWILL
                  OR THE DIMINUTION IN THE VALUE OF VAR'S BUSINESS, REVENUES,
                  PROFITS OR SAVINGS; OR (II) CLAIMS DEMANDS OR ACTIONS AGAINST
                  THE OTHER PARTY BY ANY PERSONS, EXCEPT AS PROVIDED IN SECTION
                  10, AND COMPUWARE'S RIGHT TO COLLECT LICENSE FEE'S OR REVENUE
                  DUE TO UNAUTHORIZED USE OF UNIFACE SOFTWARE. EXCEPT FOR CLAIMS
                  ARISING OUT OF EACH PARTY'S OBLIGATIONS UNDER SECTION 10,
                  VAR'S MISUSE OF COMPUWARE'S UNIFACE SOFTWARE, OR VAR'S
                  VIOLATION OF SECTION 12(A): CONFIDENTIALITY OF UNIFACE,
                  NEITHER PARTY'S LIABILITY FOR ANY AND ALL CAUSES, WHETHER
                  BASED ON NEGLIGENCE, BREACH OF CONTRACT, WARRANTY OR OTHER
                  LEGAL THEORY, SHALL EXCEED CHARGES PAID BY VAR TO COMPUWARE
                  FOR THE UNIFACE SOFTWARE THAT IS THE SUBJECT MATTER OF THE
                  CAUSE OF ACTION ASSERTED DURING THE TWENTY-FOUR (24) MONTH
                  PERIOD IMMEDIATELY PRECEDING NOTICE TO THE OTHER PARTY OF SUCH
                  CLAIM OR CAUSE.

         (c)      Each party acknowledges that any breach of its obligations
                  with respect to proprietary rights of the other party may
                  cause such party irreparable injury for which there are
                  inadequate remedies at law and that Compuware shall be
                  entitled to seek equitable relief in addition to all other
                  remedies available to it.

         (d)      Except for the remedies provided to VAR in this Agreement, and
                  subject to the limitations set forth in 9(b), and provided
                  Compuware provides VAR with prompt written notice, reasonable
                  assistance, and authority to defend or settle all non-UNIFACE
                  product or intellectual property right disputes, VAR will
                  indemnify and hold Compuware harmless against any claims,
                  costs, damages and liabilities arising out of or in any way
                  connected with: (i) any breach of this Agreement by VAR, its
                  employees or agents; and (ii) any claim by End Users or other
                  third parties with respect to VAR's products (excluding claims
                  based exclusively upon UNIFACE components independent of their
                  use with VAR Application Software) or other non-Compuware
                  products provided, recommended or referred by VAR. Such
                  indemnification will include all reasonable legal fees and
                  other costs incurred by Compuware in defending any such
                  claims. Termination or cancellation of this Agreement will not
                  affect VAR's indemnification obligations.

         (e)      Compuware software licensors shall have no liability with
                  respect to any claim of VAR or a third party on account of,
                  resulting from, or arising out of the use of any software,
                  services or products provided by such licensor or derived from
                  such licensor's software. Compuware software licensors shall
                  have no obligation to furnish any assistance, information or
                  documentation with respect to any software, services or
                  products.

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         (f)      Any legal proceeding, regardless of form, arising out of this
                  Agreement must be commenced within two (2) years after the
                  cause of action first occurs or shall forever thereafter be
                  barred.

         10.      Patent, Copyright and Trade Secret Indemnification

         (a)      Compuware, at its own expense, will defend VAR against claims
                  that the UNIFACE Software furnished under this Agreement
                  infringe upon any patent, copyright, trade secret or other
                  intellectual property rights, provided VAR; (i) gives
                  Compuware prompt written notice of such claims pursuant to
                  Section 14(g), (ii) permits Compuware to defend or settle the
                  claims, and (iii) provides all reasonable assistance to
                  Compuware in defending or settling the claims. Termination or
                  cancellation of this Agreement will not affect Compuware's
                  indemnification obligations.

         (b)      Compuware shall have no obligation for or with respect to
                  claims, actions, or demands alleging infringement by VAR
                  Application Software based on any of the following:

                  -        unauthorized modification of the UNIFACE Software;

                  -        a Major Release of the UNIFACE Software other than
                           the current or one prior Major Release if the current
                           or prior Major Release would be non-infringing;

                  -        use of the UNIFACE Software in combination with
                           non-Compuware programs;

                  -        third party-software which form part of, or is
                           bundled with, the UNIFACE Software.

         (c)      As to any UNIFACE Software which is in and of itself, in the
                  opinion of Compuware, subject to a claim of infringement or
                  misappropriation, Compuware may elect to; (i) obtain the right
                  of continued use and remarketing of the UNIFACE Software for
                  VAR as provided under this Agreement, or (ii) replace or
                  modify such UNIFACE Software to avoid such claim. If neither
                  alternative is, in the opinion of Compuware, available on
                  commercially reasonable terms and costs, then any applicable
                  license to VAR will terminate and Compuware will provide a
                  refund of the applicable royalty percentage rate equal to the
                  percentage of the VAR Application License Fee VAR refunds to
                  End User as determined by its negotiated End User agreements.

         (d)      Compuware will not defend or indemnify VAR and shall have no
                  liability or responsibility for any claim of infringement or
                  misappropriation asserted by a parent or subsidiary of VAR.

         (e)      This Section 10 states the entire liability of Compuware and
                  VAR's sole and exclusive remedies for patent or copyright
                  infringement and trade secret misappropriation.

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         11.      Trademarks And Trade Names; Advertising

         (a)      As a value added reseller, VAR shall have the right to use the
                  legend "UNIFACE Software Valued Added Reseller - Compuware
                  Corporation" in advertising, correspondence, proposals or
                  other materials provided that such legend appears in type
                  smaller and less prominent than VAR's own name or mark.

         (b)      Compuware may provide VAR with formats for use by VAR in
                  advertising and promoting the VAR Application Software. In
                  using the formats, VAR will comply with all related
                  instructions provided by Compuware. In addition, Compuware
                  will provide VAR with written guidelines to assist VAR in
                  developing other advertising and promotional programs and
                  materials. All such programs and materials must be submitted
                  to and approved in writing by Compuware (except as to price
                  and terms of sale VAR intends to offer) before use.

         (c)      No right or license is granted by Compuware to VAR to use
                  Compuware trademarks or trade names except as they appear on
                  VAR Application Software marketed by VAR or as authorized by
                  Compuware. VAR will not affix any Compuware trademarks, logos
                  or trade names to any software and will not disturb any
                  legend, notice, label, or designation of any Compuware
                  trademark, logo or trade name.

         12.      Protection Of Proprietary Information

         (a)      VAR information that has not been released publicly and
                  considered to be confidential will be treated in accordance
                  with the terms and conditions of the Non-Disclosure Agreement
                  set out in Exhibit V. The parties will keep in confidence and
                  protect Proprietary Information of the other party from
                  disclosure to third parties and use Proprietary Information
                  only for the purpose of performing under this Agreement. Each
                  party acknowledges that unauthorized disclosure of Proprietary
                  Information may cause substantial economic loss to the
                  non-disclosing party or its licensors. Each party will inform
                  its employees of their obligations under this Section 12 and
                  instruct them so as to insure such obligations are met. This
                  Section 12 will not be construed to grant to either party any
                  license or other rights in the other party's Proprietary
                  Information, except as expressly set forth in this Section.
                  Upon termination or cancellation of this Agreement, Each party
                  will destroy (and, in writing, certify destruction) or return
                  to the other party all copies of the other party's Proprietary
                  Information in such party's possession. VAR's obligations
                  under this Section 12 will survive termination or cancellation
                  of this Agreement.

         13.      Term, Termination and Cancellation

         (a)      This Agreement will begin on the Effective Date, specified on
                  the first page of this Agreement, and continue in effect to
                  the stated Termination

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                  Date, unless extended in accordance with Exhibit I, or
                  canceled or terminated as provided below.

         (b)      Except as provided in Sections 13(d) if either party
                  materially breaches this Agreement, the other may cancel it
                  upon 30 days written notice unless the breach is cured within
                  the notice period.

         (c)      Compuware may cancel this Agreement at any time upon written
                  notice, without providing VAR with any opportunity to cure, if
                  VAR breaches any of its obligations under Sections IV. 1, or
                  IV. 12 or if VAR

                  -        enters into liquidation whether compulsory or
                           voluntarily otherwise than for the purpose of
                           amalgamation or reconstruction without insolvency;

                  -        compound or make any arrangement with creditors;

                  -        have a receiver or manager appointed in respect of
                           any or any part of its assets; or

                  -        be the subject of any application for an
                           administration order.

         (d)      Orders outstanding on the effective date of termination or
                  cancellation will be subject, at the reasonable discretion of
                  Compuware, to acceptance, rejection or performance as if this
                  Agreement remained in force. Payment terms for orders accepted
                  after the date of notice of termination or cancellation will
                  be as specified by Compuware.

         (e)      Upon the effective date of termination or cancellation VAR
                  will pay Compuware for all undisputed UNIFACE Software,
                  Royalties, and Support Services irrespective of the date of
                  delivery, and all other undisputed amounts then owed
                  Compuware. VAR will also discontinue use of its designation as
                  a value added reseller of Compuware.

         (f)      No damages (whether direct, consequential, special or
                  incidental and including expenditures and loss of profit and
                  goodwill or other diminution in the value of VAR's business),
                  indemnities, except as required under Section 10, or other
                  compensation will be due or payable to VAR by reason of
                  termination or cancellation of this Agreement.

14.      Other Provisions

         (a)      This Agreement will be governed by the laws of the State of
                  Michigan.

         (b)      Either party retains the option with respect to the right to
                  apply to a court of competent jurisdiction for equitable
                  relief.

         (c)      The parties shall attempt to resolve claims or controversies
                  arising out of or related to this Agreement in the following
                  manner: A Vice President for each party with full authority to
                  negotiate and resolve issues in question shall meet and
                  attempt to settle all outstanding disputes within ten (10)
                  business days of time dispute arose. After such

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                  initial meeting, if the dispute is not resolved within the
                  next thirty (30) days, the parties shall pursue alternate
                  remedies.

         (d)      The relationship of Compuware and VAR under this Agreement is
                  that of licensor and licensee only and neither is authorized
                  to act as the agent of the other. In all matters relating to
                  this Agreement, VAR will act as an independent contractor. No
                  franchise is intended or created by the relationship of
                  Compuware and VAR under this Agreement. Neither party will
                  make representations purportedly on behalf of the other party,
                  otherwise than as precisely set forth in this Agreement and as
                  set forth in Compuware's supplied user materials.

         (e)      Any failure or delay by either party in exercising any right
                  or remedy will not constitute a waiver. The waiver of any one
                  default will not waive subsequent defaults of the same or
                  different kind.

         (f)      Neither party will be liable for any failure to fulfill its
                  obligations due to causes beyond its reasonable control
                  including, without limitation, the bankruptcy of any supplier
                  or commercial impossibility.

         (g)      All notices required by this Agreement to be given to VAR will
                  be sent by certified or registered mail addressed to its
                  address on the first page of this Agreement. Notices to be
                  given to Compuware will be sent by certified or registered
                  mail addressed to the Compuware Vice President of Sales as
                  identified in Exhibit I.

                  Requests for information and all other notices to Compuware
                  will be sent to the separate Compuware address set out in
                  Exhibit I.

         (h)      Each provision of this Agreement is severable and if one or
                  more provisions are declared invalid, the remaining provisions
                  of the Agreement will remain in full force and effect.

V.       ENTIRE AGREEMENT

This Agreement, including any Product Schedule(s) hereto, and Exhibits
referenced herein, contain the entire understanding and agreement of the parties
with respect to the matters contained herein, and supersede any prior oral or
written agreements relating to the subject matter hereof. This Agreement
supercedes all previous agreements between Compuware and JDA or JDA
subsidiaries, including but not limited to, UNIFACE Corporation Canada License
Agreement, dated May 12, 1995, (reference client #95492) between JDA Software
and UNIFACE Corporation Canada, and Standard Value-Added Reseller Agreement
dated June 27, 1994, between LIOCS Corporation (a wholly-owned subsidiary of
VAR, client #94183) and UNIFACE Corporation. This Agreement may be modified only
in writing signed by an authorized representative of each party. Additional
supplements relating to specific products and services may be added from time to
time as such products and services are offered by Compuware.

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VI. EXHIBIT LIST

The following Exhibits are attached hereto and incorporated by reference:

         Exhibit I.      VAR Profile

         Exhibit II.     Remarketers List

         Exhibit III.    Compuware Trial Agreement

         Exhibit IV.     VAR Quarterly Royalty Report

         Exhibit V.      Non-Disclosure Agreement

         Exhibit VI.     Sample Compuware License Agreement and Product Schedule

VAR ACKNOWLEDGES THAT IT HAS READ AND UNDERSTANDS THIS AGREEMENT AND ALL
ATTACHED EXHIBITS, AND THAT IT IS NOT ENTERING INTO THIS AGREEMENT ON THE BASIS
OF ANY REPRESENTATIONS NOT EXPRESSLY SET FORTH HEREIN.

Accepted by:                                   Accepted by VAR:
COMPUWARE CORPORATION                          JDA SOFTWARE GROUPING INC.

/s/ W. Alan Cantrell                           /s/ James D. Armstrong
---------------------------                    ---------------------------
Authorized Signature                           Authorized Signature

W. ALAN CANTRELL                               James D. Armstrong
---------------------------                    ---------------------------
Name                                           Name

Vice President
Enterprise Solutions                           Chief Executive Officer
---------------------------                    ---------------------------
Title                                          Title

JUNE 23, 2000                                  JUNE 23, 2000
--------------------------                     --------------------------
Date                                           Date

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                                   EXHIBIT I.
                                  VAR PROFILE

1.       The "Payment Address" is:

         Compuware Corporation
         Drawer 64376
         Detroit, MI 48264-0376

2.       Market and Territory assignment: Worldwide

3.       UNIFACE Software:

* UNIFACE Six

                  - UNIFACE Developer;

                  - UNIFACE PolyServer;

                  - UNIFACE DBMS, GUI and Network drivers & Binders;

* UNIFACE Seven

Development:      - UNIFACE Enterprise Development

Deployment        - UNIFACE PolyServer;

                  - UNIFACE Application Server;

                  - UNIFACE Enterprise Server;

                  - UNIFACE DBMS, GUI and Network drivers & Binders;

                  - Solid;

                  Web Application Server

                  - Component Server

                  - Java and Com URBA connectivity options

                  - Across all databases and platforms (except mainframes)

5.       License fees/ Royalties:

LICENSE FEES

- Development License 70% of Compuware's then current U.S. list price ; VAR will
license UNIFACE development licenses for all developers, support staff, and
consultants using UNIFACE source code.

- Deployment License 70% of Compuware's then current U.S. list price; VAR will
license and maintain UNIFACE deployment licenses for its internal use for such
functions as engineering, testing, technical support, etc.

The above referenced license fees shall not increase during the Term, on a
cumulative basis, over the previous year's fees by more than fifteen percent
(15%) for an equivalent computer configuration.

Deployment licenses will cover all representative platforms that VAR sells.

Compuware will provide VAR with temporary Deployment Licenses for Marketing and
Sales Purposes at no charge.

ROYALTIES

The royalty rate is calculated based on the fees paid by JDA's customer for VAR
Application Software. It shall be set at seven percent (7%) for a period of
twenty-four (24) months from the Effective Date of this Agreement, of which 0.6%
is first year maintenance. A total prepayment of $1,250,000 U.S. Dollars due and
payable as follows: an initial prepayment of

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$625,000 ("Initial Payment") shall be due upon execution of this Agreement, a
second prepayment of $625,000 is payable on or before June 30, 2000. Compuware
will apply the Initial Payment accordingly for a twenty-four month term ending
March 31, 2002 for license fees and royalty payments due under the terms and
conditions of this Agreement. After twenty-four (24) months, the royalty rate
will increase to a level not to exceed ten percent (10%), including first year
maintenance. Notwithstanding the foregoing, JDA may at any time during the term
of this Agreement exercise an option to make an additional $1,250,000 prepayment
to extend the seven percent (7%) royalty rate for an additional twenty-four
months from the date of such election ("Pre-pay Option"). JDA will have up to
three (3) Pre-pay Options, provided the total term of this Agreement does not
exceed eight (8) years. Any remaining balance of the Payment at the end of the
designated Pre-pay Option term shall be forfeited by JDA with no right of refund
or credit.

6.       All fees and royalties are exclusive of Value-Added Tax (VAT). VAR
         shall pay all VAT taxes due where applicable.

7.       Annual Support Service Fees

-        VAR DEVELOPMENT AND INTERNAL USE DEPLOYMENT LICENSES

         Annual Support Service fees will be fifteen percent (15%) of the
         license fee as provided in Section 5 of this Exhibit I.

-        END USER DEPLOYMENT LICENSES SUPPORT SERVICES (the first year support
         service fee is included in the royalty rate calculation).

         Thereafter, for End User(s) under support for the VAR Application
         Software, the annual Support Service fee will be 0.6% percent of the
         applicable royalty fee as provided in Section 5 of this Exhibit I.

8.       VAR Application Software:

         a.       ODBMS

                  Application modules within the ODBMS package that utilize the
                  UNIFACE development and deployment environments:

                  Interactive Base System Maintenance

                  Interactive Buyers Workbench (purchase order management)
                  Interactive Pricing
                  Interactive Advanced Expert Pricing
                  Interactive Inventory & Cycle Count Management
                  Interactive Merchandise Category Analysis
                  Interactive Rebate Management
                  Interactive Stock Ledger
                  Interactive Sales Audit
                  Interactive Tax Management
                  Interactive Vendor Submissions
                  Interactive Automated Replenishment Management
                  Interactive Invoice Matching
                  Interactive Signs, Labels, Ticketing

                  Interactive Warehouse Control Center

                  ODBMS is a market-leading open, client/server merchandising
                  system, ODBMS delivers deep, rich merchandising functionality
                  and usability to automate a retailer's information management
                  and operational requirements. Retailers can depend on ODBMS to
                  help them optimize inventory, maintain a profitable product
                  mix, improve price strategies and automate replenishment. By
                  providing

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                  flexibility, adaptability and scalability, ODBMS enables
                  retailers to manage multiple operations without sacrificing
                  data integrity or ease of use.

         b.       Additional VAR Application Software developed by VAR may be
                  incorporated herein upon written notice to Compuware as
                  required for reporting purposes.. In the event that VAR
                  acquires another Compuware Value Added Reseller's VAR
                  Application Software, upon notice to Compuware JDA may
                  incorporate the acquired VAR Application Software into this
                  Agreement at the then current JDA royalty rate by prepaying
                  royalties to Compuware. The amount of the prepayment will be
                  two (2) times the amount of royalties the VAR, from which the
                  VAR Application Software was acquired, paid to Compuware in
                  the previous twelve (12) months.

         c.       VAR shall notify Compuware in writing of any new products, new
                  functionalities, or new versions to the VAR Application
                  Software Compuware. Any new products will be incorporated to
                  this Exhibit by Amendment.

9.       Hardware, Operating Systems and location(s) VAR:

                  JDA Software Group, Inc.
                  14400 North 87th Street
                  Scottsdale, AZ 85260-3649

10.      Development Address VAR:

                  JDA Software Group, Inc.
                  14400 North 87th Street
                  Scottsdale, AZ 85260-3649

11.      Discount on UNIFACE Education:

         VAR will receive up to 25 % discount on UNIFACE Education.

12.      Compuware Managing Office

         Attn: Sally Knoll, ISV Account Manager
         Compuware Corporation
         31440 Northwestern Highway
         Farmington Hills, MI 48334

13.      Notices Address

         Contracts Manager
         Compuware Corporation
         31440 Northwestern Highway
         Farmington Hills, MI 48334

14.      Information Address

         Compuware Corporation
         Products Division
         Contract Administration
         31440 Northwestern Highway
         Farmington Hills, MI 48334

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                                  EXHIBIT II.
                                REMARKETERS LIST
                             CURRENT (AS OF 4/6/00)
                           JDA CORPORATE ORGANIZATION

                            JDA Software Group, Inc.
                                   (Delaware)

<TABLE>
<S>                                               <C>
      JDA Software (Arizon) Inc.)                        JDA Arthur Software Ltd.
(license all products worldwide except MMS                      (Bermuda)
      alone outside No.& So. America)

      JDA Software Australia (Pty.) Ltd.                 JDA Software Brasil Ltds.
                   (Australia)                                    (Brazil)

          JDA Software Canada Ltd.                            JDA Chile S.A.
                    (Canada)                                     (Chile)
(authority to license all products In Canada
with a 35% (previously 10%) royalty to U.S.)

          JDA Software France. S.A.                         JDA Software GmbH
                    (France)                                    (Germany)

            JDA Software Hong, Kong                          JDA Software Italy  S.V.
                   Limited                                           (Italy)
                 (Hong Kong)

           JDA Software Japan Ltd.                     JDA Software Malaysia SDN. Bhd.
                  (Japan)                                      (Malaysia)

           JDA de Mexico S.A. de C.V.                     JDA Software Benelux B.V.
                    (Mexico)                                 (The Netherlands)

              LIOCS Corporation                        JDA Software South Africa (PTY) Ltd,
                   (Nevada)                                      (South Africa)

            JDA Software Nordic AB                           JDA Asia Pte. Ltd.
                  (Sweden)                                      (Singapore)

                                                             JDA Worldwide, Inc.
             JDA International Limited                           (Arizona)
                 (England & Wales)               (sublicense license MMS alone outside No. & So.
                                                 America with a 35% (previously 5O%) royalty)

             JDA Software Spain                          JDA UK Branch
          (Representative Office)                      (United Kingdom)
</TABLE>

                               REMARKETER DETAILS

Company Name ___________________________________________________________________

Contact person __________________________________ Email address ________________

Telephone ____________________________________   Fax ___________________________

                              APPLICATION DETAILS

Application name________________________ No. of end users - Named - Concurrent

State deployed modules _________________________________________________________

Application list price_______________ Invoiced application license price _______

                          END USER ORGANIZATION DETAILS

Company Name ____________________________ Division _____________________________

Contact Person __________________________ Email address ________________________

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Main company address ___________________________________________________________

City _________________ State/province _____________ Postal Code/ZIP ____________

Country _______________________

     Telephone _______________________ Fax _____________________________________

                            UNIFACE LICENSING DETAILS
UNIFACE license type
________________________________________________________________________________

                            UNIFACE TECHNICAL DETAILS

UNIFACE version details:

- UNIFACE 5.2....  - UNIFACE Six....  - UNIFACE Seven....(please specify exact
                                                          version)

Client System(s) details:
________________________________________________________________________________
CPU make & model       (1)        Operating system, version & user interface (1)

________________________________________________________________________________
CPU make & model       (2)        Operating system, version & user interface (2)

________________________________________________________________________________
Network driver(s)

________________________________________________________________________________
Database make & version

Server(s) details:                      - PolyServer - Appl. Server - WebEnabler

________________________________________________________________________________

CPU make & model (1) Operating system & version(1)             UNIFACE Component

                                        - PolyServer - Appl. Server - WebEnabler
________________________________________________________________________________

CPU make & model (2)            Operating system & version (2) UNIFACE Component
________________________________________________________________________________
Network driver(s)

________________________________________________________________________________
Database make & version (1)                          Database make & version (2)

                                                               REVIEWED/APPROVED
                                                                   JDA LEGAL
                                      -25-
<PAGE>

                                  EXHIBIT III.
                           COMPUWARE TRIAL AGREEMENT

                                         Client No.:____________________________
                                 Salesperson No.:_______________________________

                            SOFTWARE TRIAL AGREEMENT

In order to better evaluate the benefits available from using the Software
product(s) indicated below ("Software"), COMPUWARE agrees to license the
Software on a FREE in-house trial under the following conditions:

A.       The trial period will be for sixty (60) days after installation of the
         Software from COMPUWARE.

B.       There will be no charge for the sixty (60) day evaluation period.

C.       Company will respect and protect COMPUWARE's proprietary rights to the
         Software and will not distribute or otherwise disclose the Software to
         third parties. All materials and copies of the Software will be
         returned to COMPUWARE at the expiration of the sixty (60) day trial
         period, and Company will also certify in writing that the Software has
         been removed from the system and is no longer in use, if the Software
         is not licensed. If Company continues to use the Software after the
         expiration of the trial period, the Software will be deemed to be
         accepted by Company under the terms and conditions of COMPUWARE's
         License Agreement and Company shall pay the license fee then in effect.

D.       PC SOFTWARE - If applicable, Company may make up to _______________
         copies of the PC component of the Software during the trial period.
         Company will return all copies of the Software at the conclusion of the
         trial period, if the Software is not licensed.

E.       Company will use its best efforts to protect the confidentiality and
         proprietary rights of COMPUWARE's Software.

F.       This Trial Agreement is for the following COMPUWARE Software: _________

G.       Company operating system is __________________________

The undersigned signatories are authorized to execute this Trial Agreement.

Accepted By Compuware:                           Agreed By Licensee:
_________________________                        _________________________
Authorized Signature                             Authorized Signature

_________________________                        _________________________
Name                                             Name

_________________________                        _________________________
Title                                            Title

_________________________                        _________________________
Date                                             Date

                                                               REVIEWED/APPROVED
                                                                   JDA LEGAL
                                      -26-
<PAGE>

                                  EXHIBIT IV.
                          VAR QUARTERLY ROYALTY REPORT

         This reporting form should be used by VAR to comply with quarterly
         royalty reporting obligations as set forth in the Agreement. Please
         complete and return to: Compuware Corporation, Contract Administration
         Dept., 31440 Northwestern Highway, Farmington Hills, Michigan
         48334-2564,
         Tel: (248) 737-7300; Fax (248) 737-0750.

         -----------------------------------------------------------------------
         COMPANY NAME:
         -----------------------------------------------------------------------
         ADDRESS (Street Address;
         City/State; Zip):
         CONTACT NAME & PHONE:
         REPORTING PERIOD:
         PURCHASE ORDER #:
         -----------------------------------------------------------------------

         The following must be completed for all VAR Application Software
         (sub)licensed during the reporting period:

<TABLE>
<CAPTION>
                                                               User
Name             UNIFACE         Hardware       User       Address/City,
Application    Product(s)        Make/Model     Name       State/Country     Ship Date        Quantity     Royalty
------------   ---------         ----------     ----       --------------    ---------        --------     -------
<S>            <C>               <C>            <C>        <C>               <C>              <C>          <C>
</TABLE>

         The undersigned certifies that the information contained on this
         reporting form has been derived from VAR's records and is true and
         correct.

         Accepted by:

________________________                         ________________________
Authorized Signature                             Authorized Signature

________________________                         ________________________
Name                                             Name

________________________                         ________________________
Title                                            Title

________________________                         ________________________
Date                                             Date

                                                               REVIEWED/APPROVED
                                                                   JDA LEGAL
                                      -27-
<PAGE>

                                   EXHIBIT V
                            NONDISCLOSURE AGREEMENT

THIS AGREEMENT (the "Agreement"), is made as of___________________, 2000, (the
"Effective Date") by and between JDA SOFTWARE, INC., an Arizona corporation
("JDA") and COMPUWARE CORPORATION, A Michigan corporation ("Compuware").

                                    RECITALS

1.       In connection with the evaluation or pursuit of certain mutually
         beneficial business opportunities, JDA and Compuware may disclose
         valuable proprietary information to each other relating to their
         respective operations and businesses.

2.       JDA and Compuware would like to protect the confidentiality of,
         maintain their respective rights in and prevent the unauthorized use
         and disclosure of such information.

                                    AGREEMENT

JDA and Compuware hereby agree:

1.       CONFIDENTIAL INFORMATION. As used in this Agreement, "Confidential
         Information" means all information of either party that is not
         generally known to the public, whether of a technical, business or
         other nature (including, without limitation, trade secrets, know-how
         and information relating to the technology, software, designs,
         specifications and prototypes, customers, business plans, promotional
         and marketing activities, finances and other business affairs of such
         party), that is disclosed by one party (the "Disclosing Party") to the
         other party (the "Receiving Party"), and that has been identified as
         being proprietary and/or confidential or that by the nature of the
         circumstances surrounding the disclosure ought to be treated as
         propriety and confidential. Confidential Information also includes all
         information concerning the existence and progress of the parties'
         dealings.

2.       USE OF CONFIDENTIAL INFORMATION. The Receiving Party, except as
         expressly provided in this Agreement, will not disclose it to anyone
         without the Disclosing Party's prior written consent. The Receiving
         Party will not use, or permit other to use, Confidential Information
         for any purpose other than to pursue discussion and evaluation of
         potential business dealings between the parties in accordance with the
         nature of discussions between the parties. The Receiving Party will
         take all reasonable measures to avoid disclosure, dissemination or
         unauthorized use of Confidential Information, including, at a minimum,
         those measures it takes to protect its own confidential information of
         a similar nature.

3.       EXCEPTIONS. The provisions of Section 2 will not apply to any
         information that (i) is or becomes publicly available without breach of
         this Agreement; (ii) can be shown by documentation to have been known
         to the Receiving Party at the time of its receipt from the Disclosing
         Party; (iii) is rightfully received from a third party who did not
         acquire or disclose such information by a wrongful or tortuous act; or
         (iv) can be shown by documentation to have been independently developed
         by the Receiving Party without reference to any Confidential
         information.

4.       RECEIVING PARTY PERSONNEL. The Receiving Party will restrict the
         possession, knowledge, development and use of Confidential Information
         to its employees, agents, subcontractors and entities controlled by or
         controlling it (collectively, "Personnel") who have a need to know
         Confidential Information in connection with the purposes set forth in
         Section 2. The Receiving Party's Personnel will have access only to the
         Confidential Information they need for such purposes. The Receiving
         Party will ensure that its personnel comply with this Agreement.

5.       DISCLOSURES TO GOVERNMENTAL ENTITIES. If the Receiving Party becomes
         legally obligated to disclose Confidential Information by any
         governmental entity with jurisdiction over it, the Receiving Party will
         give the Disclosing Party prompt written notice sufficient to allow the
         Disclosing Party to seek a protective order or other appropriate
         remedy. The Receiving Party will disclose only such information as is
         legally required and will use its reasonable best efforts to obtain
         confidential treatment for any Confidential Information that is so
         disclosed.

                                                               REVIEWED/APPROVED
                                                                   JDA LEGAL
                                      -28-
<PAGE>

6.       OWNERSHIP OF CONFIDENTIAL INFORMATION. All Confidential Information
         will remain the exclusive property of the Disclosing Party, and the
         Receiving Party will have no rights, by license or otherwise, to use
         the confidential Information except as expressly provided herein.

7.       RETURN OF CONFIDENTIAL INFORMATION. Upon the Disclosing Party's written
         request, the Receiving Party promptly will return all tangible material
         embodying Confidential Information (in any form and including, without
         limitation, all summaries, copies and excerpts of Confidential
         Information).

8.       GOVERNING LAW; ETC. This Agreement will be governed by internal laws of
         the State of Arizona, without reference to its choice of law rules, and
         may be executed in counterpart copies. If a provision of this Agreement
         is held invalid under any applicable law, such invalidity will not
         affect any other provision of this Agreement that can be given effect
         without the invalid provision. All terms and conditions of this
         Agreement will be deemed enforceable to the fullest extent permissible
         under applicable law, and, when necessary, the court is requested to
         reform any and all terms or conditions to give them such effect.
         Further, the venue for arbitration or litigation will be in Phoenix,
         Arizona, and the parties consent to such jurisdiction.

9.       NONWAIVER. Any failure by either to enforce the other party's strict
         performance of any provision of this Agreement will not constitute a
         waiver of its right to subsequently enforce such provision or any other
         provision of this Agreement.

10.      TERMINATION. This Agreement will terminate automatically upon the
         completion or termination of dealings between JDA and Compuware;
         provided, however, that each party's obligations with respect to the
         other party's Confidential Information will survive completion or
         termination of the dealings between the parties.

11.      EXPORTATION/TRANSMISSION OF CONFIDENTIAL INFORMATION. The Receiving
         Party acknowledges that the Confidential Information and any related
         materials or information provided hereunder are subject to the export
         control laws and regulations of the U.S., and any amendments thereof.
         The Receiving Party confirms that it will not export or re-export these
         items, directly or indirectly, either to (i) any countries that are
         subject to U.S. export restrictions (currently including, but not
         necessarily limited to, Cuba, the Federal Republic of Yugoslavia
         (Serbia and Montenegro), Iran, Iraq, Libya, North Korea, and Syria);
         and (ii) any development production of nuclear, chemical or biological
         weapons; or (iii) any third party who has been prohibited from
         participating in the U.S. export transactions by any federal agency of
         the U.S. government.

12.      INDEPENDENT DEVELOPMENT. The Disclosing Party acknowledges that the
         Receiving Party may currently or in the future be developing
         information internally, or receiving information from other parties,
         that is similar to the Confidential Information. Accordingly, nothing
         in this Agreement will be construed as a representation or agreement
         that the Receiving Party will not develop or have developed for its
         products, concepts, systems or techniques that are similar to or
         compete with products, concepts, systems or techniques contemplated by
         or embodied in the Confidential Information, provided that the
         Receiving Party does not violate any of its obligations under this
         Agreement in connection with such development.

13.      INJUNCTIVE RELIEF. The Receiving Party acknowledges that disclosure or
         use of Confidential Information in violation of this Agreement could
         cause irreparable harm to the Disclosing Party for which monetary
         damages may be difficult to ascertain or an inadequate remedy. The
         Receiving Party therefore agrees that the Disclosing Party will have
         the right, in addition to its other rights and remedies, to seek
         injunctive relief for any violation of this Agreement.

14.      LIMITED RELATIONSHIP. This Agreement will not create a joint venture,
         partnership or other formal business relationship or entity of any
         kind, or an obligation to form any such relationship or entity. Each
         party will act as an independent contractor and not as an agent of the
         other party for any purpose, and neither will have the authority to
         bind the other.

                                                               REVIEWED/APPROVED
                                                                   JDA LEGAL
                                      -29-
<PAGE>

15       CUMULATIVE OBLIGATIONS. Each party's obligations hereunder are in
         addition to, and not exclusive of, any and all of its other obligations
         and duties to the other party, whether express, implied, and in fact or
         in law.

16.      INTEGRATION/PURCHASE ORDER. This Agreement constitutes the entire
         agreement between the parties with respect to the Confidential
         Information and supersedes all previous proposals (both oral and
         written), negotiations, representations, commitments, writings,
         agreements, and all other communications between the parties. This
         Agreement may only be altered or modified by written instrument duly
         executed by both parties. In the event of any conflict between the
         terms and conditions of this Agreement and the terms and conditions of
         any purchase order, the terms and conditions of this Agreement will
         control.

The undersigned represent that they are duly authorized representatives of the
parties and have full authority to bind the parties, including any indicated
affiliates of the parties, by execution of this Agreement. The parties have
executed and delivered this Agreement, and it will be effective as of the
Effective Date.

COMPUWARE CORPORATION                            JDA SOFTWARE, INC.

Signature ___________________                    Signature _____________________

Name ________________________                    Name __________________________

Title _______________________                    Title _________________________

Date ________________________                    Date __________________________

                                                               REVIEWED/APPROVED
                                                                   JDA LEGAL
                                      -30-
<PAGE>

                                   EXHIBIT VI.

                       SAMPLE COMPUWARE LICENSE AGREEMENT
                              AND PRODUCT SCHEDULE

                                                 Agreement No.__________________

                                LICENSE AGREEMENT

This License Agreement (Agreement), is between COMPUWARE CORPORATION (Compuware)
and Licensee:

Licensee Name: _________________________________________________________________

Street Address: ________________________________________________________________

                ________________________________________________________________

City: __________________________________ State: ________ Zip: __________________

1.       GRANT OF LICENSE

(a)      Upon Compuware's acceptance of each product schedule (Product
         Schedule(s)), Compuware grants to Licensee a non-exclusive,
         non-transferable, personal license to use the proprietary software
         product(s) and related user manuals provided under this Agreement
         (collectively referred to as Software). The Software may be used on the
         computer(s) as described on the Product Schedule(s) (Licensed
         Computer(s)) at the location(s) as described on the Product Schedule(s)
         (Licensed Location(s)), for the term and license type specified,
         subject to the terms and conditions of this Agreement and the Product
         Schedule(s).

(b)      The Software will be supplied to Licensee in machine readable object
         code for use on the Licensed Computer(s).

(c)      A copy of each user manual for the Software will be supplied to
         Licensee without additional charge, unless otherwise specified on the
         Product Schedule(s).

(d)      The Software may be used only (i) by Licensee, (ii) to process
         Licensee's own data and (iii) for Licensee's own internal operations.
         Licensee may not use the Software to offer data processing services to
         third parties, including but not limited to timesharing, facilities
         management, outsourcing or service bureau use, or other third party
         commercial purpose or gain unless Licensee either executes, and pays
         the fees associated with, an appropriate Compuware license for third
         party use or the specific third party use is otherwise authorized in
         writing by Compuware. All restrictions applicable to Licensee will also
         apply to any authorized third party user.

(e)      Licensee shall not make or allow others to make copies or reproductions
         of the Software in any form without Compuware's prior written consent,
         except for a machine readable copy for archival purposes to exercise
         the license granted. All copies or reproductions of the Software made
         by Licensee shall display the same Compuware legends and notices and
         shall be subject to the same conditions and restrictions as the
         original. Licensee shall not sublicense, distribute, modify or create
         derivative works of, reverse assemble or reverse compile, the Software.

(f)      By paying the fee(s) then in effect, the Software may be licensed for:
         additional users, use on additional computers, use on alternate
         platforms or, subject to maintenance being current, use on upgraded
         computers. Alternate locations and computers may be utilized
         temporarily only for back up and disaster recovery purposes for a
         reasonably necessary time period. Licensee may change the facility
         location(s) of the Software with prior written consent from Compuware,
         and shall notify Compuware in writing that all copies of the Software
         at the previous location(s) have been destroyed or transferred to the
         new location(s).

(g)      At Compuware's request, Licensee shall promptly furnish Compuware with
         written certification verifying that the Software is being used in
         accordance with this Agreement, including the number of users and the
         location, platform, model and serial number of the computers) on which
         the Software is installed. Licensee shall give Compuware reasonable
         access to Licensee's records and systems to verify that the Software is
         being used pursuant to this Agreement.

                                                               REVIEWED/APPROVED
                                                                   JDA LEGAL
                                      -31-
<PAGE>

(h)      If the actual number of users exceeds the actual number of licensed
         users of the Software or the Software has been installed on unlicensed
         computers or platforms, Compuware may, at its option, terminate this
         Agreement or allow Licensee to pay the license fee then in effect,
         retroactive to the initial date of unauthorized use.

2.       PAYMENTS

Licensee shall pay to Compuware the total amount set forth in the applicable
Product Schedule(s) (Total Amount) upon invoice. Compuware may impose a late
payment charge equal to the lesser of 1-1/2% per month or the maximum rate
allowed by law.

3.       ACCEPTANCE

The Software described on a Product Schedule(s) will be deemed to be accepted by
Licensee upon Licensee's execution of that Product Schedule(s) or upon
Licensee's use of the Software in a production environment, whichever is sooner.
Licensee shall conduct its evaluation procedures between the time the Software
is delivered and Licensee's execution of the Product Schedule(s).

4.       ENTIRE AGREEMENT

HAVING READ BOTH SIDES OF THIS AGREEMENT, THE PARTIES AGREE TO BE BOUND AND
ABIDE BY ITS TERMS AND CONDITIONS. THIS AGREEMENT, INCLUDING ALL PRODUCT
SCHEDULES, CONSTITUTES THE COMPLETE AND EXCLUSIVE STATEMENT OF THE UNDERSTANDING
BETWEEN THEM, AND SUPERSEDES ALL PRIOR PROPOSALS AND ALL OTHER PRIOR
COMMUNICATIONS BETWEEN THEM RELATING TO THIS LICENSE AND THE USE OF THE
SOFTWARE, WHETHER ORAL OR WRITTEN, AND THE TERMS AND CONDITIONS OF ANY PRIOR,
CONCURRENT OR SUBSEQUENT PURCHASE ORDER(S) PROVIDED BY LICENSEE. THIS AGREEMENT
IS BINDING UPON EXECUTION BY AN AUTHORIZED REPRESENTATIVE OF LICENSEE AND
ACCEPTANCE BY AN AUTHORIZED REPRESENTATIVE OF COMPUWARE, AND MAY ONLY BE ALTERED
OR MODIFIED BY A WRITTEN AGREEMENT SIGNED BY AN AUTHORIZED REPRESENTATIVE OF
EACH PARTY.

5.       TITLE, PROPRIETARY RIGHTS AND NON-DISCLOSURE

(a)      Title and full ownership rights to the Software furnished under this
         Agreement and all intellectual property rights including patent,
         copyright, trademark and trade secret rights remain with Compuware or
         its third party providers where applicable. This Agreement does not
         transfer title to Licensee of the intellectual property contained in
         the Software.

(b)      Licensee acknowledges and agrees that the Software is the property of
         and contains trade secrets of Compuware and agrees that Licensee will,
         and Licensee will cause its employees, to keep in confidence and
         protect the Software from disclosure to third parties and restrict its
         use as provided in this Agreement. Licensee acknowledges that
         unauthorized disclosure may cause substantial economic loss to
         Compuware or its third party providers. Compuware reserves all rights
         granted to it under the copyright, patent and other intellectual
         property laws of the United States and all other statutory and common
         laws.

(c)      Licensee shall not be liable to Compuware for disclosure of the
         Software if the same is (i) now in or subsequently comes into the
         public domain without breach of this Agreement, (ii) known to Licensee
         without obligation of confidentiality prior to receipt of the
         proprietary material from Compuware, (iii) independently developed by
         the Licensee without breach of this Agreement, (iv) disclosed by
         Licensee with the prior written approval of an authorized Compuware
         officer, or (v) rightfully received by Licensee from a third party
         without breach of this Agreement or accompanying secrecy obligations.

(d)      This section 5 shall survive the termination of this Agreement.

6.       TAXES AND DUTIES

Licensee shall pay all applicable taxes due under this Agreement, including but
not limited to federal, state or local sales, use, tariffs, duties and value
added taxes, excluding taxes based on Compuware's net income. Licensee is
responsible for personal property and similar taxes on any Software from the
date the Software is shipped to

                                                               REVIEWED/APPROVED
                                                                   JDA LEGAL
                                      -32-
<PAGE>

Licensee. Written proof of exempt status must be provided to Compuware for
exemption from any tax, tariff or duty.

7.       ASSIGNMENT AND TRANSFER

Licensee shall not assign or transfer its rights or obligations under this
Agreement without the prior written consent of Compuware. Any authorized
assignment or transfer of the Software shall be subject to Licensee paying the
license and maintenance fees due up to the date of assignment or transfer and
under the terms of the most current Compuware license agreement. Compuware
reserves the right to charge a fee for any assignment or transfer. Any
assignment or transfer prohibited by this provision will be void.

8.       INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS

(a)      In the event of an intellectual property right claim, Compuware agrees
         to indemnify and hold Licensee harmless provided Licensee (i) gives
         Compuware prompt written notice of such claim, (ii) permits Compuware
         to defend or settle the claim and (iii) provides all reasonable
         assistance to Compuware in defending or settling the claim.

(b)      In the defense or settlement of such claim, Compuware may (i) obtain
         for Licensee the right to continue using the Software or (ii) replace
         or modify the Software so that it avoids such claim or (iii) if such
         remedies are not reasonably available, accept the return of the
         infringing Software and provide Licensee with a pro-rata refund of the
         license fees paid for such Software based on a five (5) year use
         period.

(c)      Compuware shall have no liability if the alleged infringement is based
         on (i) a modification of the Software by anyone other than Compuware,
         (ii) use of the Software on other than the Licensed Computer(s) or
         (iii) a patent claim for which the existing U.S. patent issue date is
         subsequent to the date of this Agreement. This section states the
         entire liability of Compuware and Licensee's sole and exclusive
         remedies with respect to misappropriation or infringement of
         intellectual property rights.

9.       LIMITED WARRANTIES AND REMEDIES

(a)      Compuware warrants and represents that (i) it has the authority to
         grant the license described in the Agreement, (ii) the Software will
         operate on the Licensed Computer(s) in substantial accordance with the
         specifications set forth in the user manuals applicable to the Software
         at the time the Software is accepted, and (iii) any service rendered by
         Compuware will be performed by qualified personnel. Compuware will make
         reasonable efforts to correct significant deviations from such
         specifications.

(b)      THE WARRANTIES GIVEN IN THIS SECTION ARE IN LIEU OF ALL OTHER
         WARRANTIES WHETHER WRITTEN, ORAL, EXPRESS OR IMPLIED, INCLUDING,
         WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, THE IMPLIED
         WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

10.      LIMITATION OF LIABILITY

(a)      Except as provided in Section 8 of this Agreement, the entire liability
         of Compuware and Licensee's exclusive remedy for damages from any cause
         related to or arising out of this Agreement, regardless of the form of
         action, whether in contract or in tort, will not exceed the charges
         paid by Licensee to Compuware FOR THE SOFTWARE WHICH IS THE SUBJECT
         MATTER OF THE CAUSE OF ACTION ASSERTED during the TWELVE (12) month
         period immediately preceding Licensee's notice to Compuware of such
         claim or cause.

(b)      In no event will Compuware be liable for any incidental, indirect,
         special or consequential damages, including, but not limited to, loss
         of use, revenues, profits or savings, even if Compuware knew or should
         have known of the possibility of such damages; claims, demands or
         actions against Licensee by any third party, except as provided in
         Section 8; or loss of or damage to Licensee's data from any cause.

                                                               REVIEWED/APPROVED
                                                                   JDA LEGAL
                                      -33-
<PAGE>

11.      SOFTWARE MAINTENANCE SERVICE

If Licensee is current in the payment of all license and maintenance fees,
Compuware will maintain unaltered Software in an operable condition and in
substantial accordance with the specifications set forth in the user manuals.
Compuware will also make available to Licensee any generally incorporated
improvements and enhancements to the Software which are not designated as
options. Software maintenance service will be provided at no additional charge
for the period specified, if any, on the Product Schedule(s). Licensee may
continue Software maintenance services on an annual basis by paying in advance
the Software maintenance fees then in effect. Compuware will use its best
efforts to make any correction, replacement or other service after Licensee has
identified an error and notified Compuware in accordance with the reporting
procedures outlined in the user manuals. If a malfunction corrected by Compuware
was attributable to Licensee, Licensee agrees to pay Compuware the fair market
value of the services Compuware provided in making the change or correction.
Unless Licensee provides written notice to Compuware at least sixty (60) days
prior to the renewal period to discontinue Software maintenance service, such
Software maintenance will be renewed.

12.      DEFAULT

Either party may terminate the Agreement if the other fails to cure any material
default within thirty (30) days of written notice. Notwithstanding the above,
Compuware may terminate the Agreement upon written notice for any failure of
Licensee to protect Compuware's intellectual property rights in the Software.
Failure to pay any delinquent amount shall cause all unpaid fees, and fees which
would have become due under this Agreement, to become immediately due and
payable and may cause Compuware to suspend any Software maintenance services.
Any terms of this Agreement which by their nature extend beyond its termination
remain in effect until fulfilled, and apply to respective successors and
assignees. Upon termination of any license granted under this Agreement,
Licensee shall immediately either return the Software to Compuware, or destroy
the Software, and certify in writing to Compuware that all copies of the
Software have been destroyed.

13.      GENERAL

Failure or delay by either party in exercising any right or remedy will not
constitute a waiver. In the event that any provision of this Agreement shall be
declared invalid, the entire Agreement shall not fail on its account, and that
provision shall be severed, with the balance of this Agreement continuing in
full force and effect. Product Schedule(s) may be submitted under this Agreement
for a period of three (3) years from the date this Agreement is signed by
Compuware, unless otherwise agreed to in writing by the parties. All Product
Schedule(s) are subject to acceptance by Compuware. Certain Software products
contain product security keys. All agent code for client server software outside
specifications is external to the Software and is the responsibility of
Licensee. Compuware may provide professional services, including technical and
consultant services other than Software maintenance services, at Compuware's
then current rates on a timely basis subject to availability of qualified
personnel. In no event may Software be assigned or transferred outside of
country boundaries. This Agreement shall be governed by the laws of the State of
Michigan and the parties agree to submit to the jurisdiction of the federal or
state courts in the State of Michigan.

Revised: July, 1995

ACCEPTED BY COMPUWARE:                 AGREED BY LICENSEE:

________________________________       _____________________________________
Authorized Signature                   Authorized Signature

________________________________       _____________________________________
Name                                   Name

________________________________       _____________________________________
Title                                  Title

________________________________       _____________________________________
Date                                   Date

                                                               REVIEWED/APPROVED
                                                                   JDA LEGAL
                                     - 34 -

<PAGE>

PRODUCT SCHEDULE NO. ONE

This Product Schedule will be affixed to and become a part of AGREEMENT NO.
94151V (the "Agreement").

Licensee shall be licensed to use the Software specified below. Such use shall
be governed by the terms and conditions of the Agreement. By paying the fee then
in effect, the Software may be licensed for: additional users, use on additional
computers, use on alternate platforms or, subject to maintenance being current,
use on upgraded computers. In the event that this Product Schedule conflicts
with previous Product Schedule(s) for the specified Software, the most current
Product Schedule(s) will control. In the event that this Product Schedule
conflicts with the Agreement, the Agreement will control.

LICENSEE:                      JDA Software Group, Inc.
SITE NO.: 1                    14400 N. 87th Street
                               Scottsdale, AZ 85260

<TABLE>
<CAPTION>
                                AUTHORIZED                        LICENSED         OS           SUPPORT
         SOFTWARE                LICENSES         AMOUNT        COMPUTER(S)     PLATFORM     SERVICE FEES
         --------               ----------     ------------     -----------     --------     ------------
<S>                             <C>            <C>              <C>             <C>          <C>
VAR Application Deployment          *c         $1,250,000*a          *c            *c             *b
</TABLE>

*b       Support Service fees will be calculated in accordance with Section 6 of
         Exhibit I to the Agreement.

*c       Licensee shall, upon execution of this Product Schedule, pay Compuware
         royalties of $1,250,000 ("Minimum Royalty Payment"). As Licensee
         deploys VAR Application Software to End Users, the Minimum Royalty
         Payment shall be reduced by an amount equal to the VAR Application
         Software license fee multiplied by .07 (6.4% royalty + .6% first year
         maintenance). The Minimum Royalty Payment is a non-refundable payment
         that must be depleted by March 31, 2002. Thereafter, except as provided
         in Section IV, 5(e) of the Agreement, any unused portion shall be
         forever forfeited, with no right of refund or set off. After March 31,
         2002, Licensee has the option to make an additional Minimum Royalty
         Payment of $1,250,000 to extend the 7% royalty rate for an additional
         twenty-four (24) months. Except as provided in Section IV, 5(e) of the
         Agreement, if Licensee does not exercise said option, the royalty rate
         will increase to a level not to exceed 10% (including first year
         maintenance).

              SCHEDULE PRICE AND TERMS VALID THROUGH JUNE 30, 2000

*a Licensee hereby accepts the Software upon execution of this Product Schedule
and agrees to pay Compuware the Total Amount of $1,250,000 U.S. Dollars in
accordance with the payment terms specified as follows: $625,000 due and payable
with the signing of this Product Schedule and $625,000 due and payable on or
before June 30, 2000.

Accepted By Compuware:                      Agreed By Licensee:

/s/ W. Alan Cantrell                        /s/ James D. Armstrong
-----------------------------               ---------------------------------
Authorized Signature                        Authorized Signature

Name W. ALAN CANTRELL                       Name James D. Armstrong

Title Vice President                        Title Chief Executive Officer
      Enterprise solutions

Date June 23, 2000                          Date June 23, 2000

                                                               REVIEWED/APPROVED
                                                                   JDA LEGAL
<PAGE>
9/17/2001 [ILLEGIBLE]

COMPUWARE CORPORATION                                        [COMPUWARE(R) LOGO]

Systoms Software Division
31440 NORTHWESTERN HIGHWAY-FARMINGTON HILLS, MICHIGAN 48334-2564
(248) 737-7300

PRODUCT SCHEDULE NO. TWO

This Product Schedule will be affixed to and become a part of Agreement No.
94151V

Licensee shall be licensed to use the Software specified below. Such use shall
be governed by the terms and conditions of the Agreement. By paying the
[ILLEGIBLE] then in effect, the Software may be licensed for additional users,
use on additional computers, use on alternate platforms or, subject to
maintenance being current, use on upgraded computers. In the event that this
Product Schedule conflicts with previous Product Schedule(s) for the specified
Software, the most current Product Schedule(s) will control.

LICENSEE:           JDA Software Group, Inc.
SITE NO.: 1         14400 N. 87th Street
                    Scottsdale, AZ 85260
<TABLE>
<CAPTION>
                              AUTHORIZED                      LICENSED         OS           MAINTENANCE
      SOFTWARE                 LICENSEE         AMOUNT       COMPUTER(S)    PLATFORM        SERVICE FEES
      --------                -----------       ------       -----------    --------        -------------
<S>                           <C>             <C>            <C>          <C>               <C>
VAR Application Deployment     *a             $1,250,000       *a         *[ILLEGIBLE]            *b
</TABLE>

*a       Amount per VAR Application Software Schedule contained in VAR Agreement
         Exhibit I dated April 1, 2000.

*b       Maintenance service fees per VAR Agreement dated April 1, 2000.

*c       Licensee shall, upon execution of this Product Schedule, pay Compuware
         royalties of $1,250,000 ("Minimum Royalty Payment") As Licensee deploys
         VAR Application Software to End Users, the Minimum Royalty Payment
         shall be reduced by an amount equal to the VAR Application Software
         license fee multiplied by 5.7% (5.5% royalty .2%+ first year
         maintenance). The Minimum Royalty Payment is a non-refundable payment
         that must be depleted by December 31, 2003. Thereafter, any unused
         portion shall be forever forfeited, with no right of refund or set off.
         After December 31, 2003, Licensee has the option to make an additional
         Minimum Royalty Payment of $1,250,000 to extend the 5.7% royalty rate
         for an additional twenty-four (24) months. If Licensee does not
         exercise said option, the royalty rate will increase to a level not to
         exceed 10% (including first year maintenance).

            SCHEDULE PRICE AND TERMS VALID THROUGH SEPTEMBER 28, 2001

Licensee hereby accepts the Software upon execution of this Product Schedule and
agrees to pay Compuware the Total Amount of $1,250,000 U.S. Dollars in
accordance with the payment terms specified as follows: $625,000 due and payable
with the signing of this Product Schedule and $625,000 due and payable on or
before November 30, 2001.

Accepted By Compuware:                   Agreed By Licensee:

/s/ James B. Branch                      /s/ James D. Armstrong
----------------------------             ---------------------------
Authorized Signature                     Authorized Signature

James B. Branch                          James D. Armstrong
----------------------------             ----------------------------
Name                                     Name

Director Business Support                CEO
----------------------------             ----------------------------
Title                                    Title

9/28/01                                  9/27/01
----------------------------             -----------------------------
Date                                     Date
<PAGE>

                                    AMENDMENT
                                       to
                            PRODUCT SCHEDULE NO. TWO
                             (AGREEMENT NO. 94151V)
                                      dated
                               SEPTEMBER 28, 2001
                                     between
                             COMPUWARE CORPORATION
                                       and
                            JDA SOFTWARE GROUP, INC.

This amendment ("Amendment") is hereby affixed to and shall become part of
Product Schedule No. Two dated September 28, 2001 between Compuware Corporation
("Compuware") and JDA Software Group, Inc. ("Licensee") The Amendment, as
incorporated into Product Schedule No. Two, is subject to all terms, conditions,
restrictions and limitations contained in Agreement 94151V. By way of this
Amendment, the following modifications are made:

1)       DELETE *c IN ITS ENTIRETY AND REPLACE WITH THE FOLLOWING:

      *c Licensee shall, upon execution of this Product Schedule, pay Compuware
         royalties of $1,250,000 ("Minimum Royalty Payment"). As Licensee
         deploys VAR Application Software to End Users, the Minimum Royalty
         Payment shall be reduced by an amount equal to the VAR Application
         Software license fee multiplied by a factor of: 1) .057 (5.5% royalty +
         .2% annual maintenance) for the period of September 28, 2001 through
         December 31, 2003; and 2) .125 (12.0% royalty + .5% annual maintenance)
         for the period of January 1, 2004 through March 31, 2005. The Minimum
         Royalty Payment is a non-refundable payment that must be depleted by
         March 31, 2005. Thereafter, any unused portion shall be forever
         forfeited, with no right of refund or set off. It is understood and
         agreed by both parties that should Licensee deplete their inventory and
         therefore License's actual Royalty Payment obligations exceed the
         $1,250,000 ("Minimum Royalty Payment") Licensee has paid Compuware,
         then Licensee shall pay Compuware an amount equal to the VAR
         Application Software license fee multiplied by a factor of: 1) .057
         (5.5% royalty + .2% annual maintenance) for the period of September 28,
         2001 through December 31, 2003; and 2) .125 (12.0% royalty + .5% annual
         maintenance) for the period of January 1, 2004 through March 31, 2005.

2)       ADD THE FOLLOWING AS *d:

      *d For the period of April 1, 2005 through March 31, 2008 Licensee's
         Royalty Payment shall be the VAR Application Software license fee
         multiplied by a factor of .09 (8.7% royalty + .3% annual maintenance).

3)       ADD THE FOLLOWING AS *e:

      *e Both parties consent and agree that the Term of the Agreement (94151V)
         is extended for an additional three (3) years through March 31, 2008.

All other terms and conditions of the Agreement and Product Schedule No. Two
shall remain in full force and effect.

Accepted:                                        Agreed:
COMPUWARE CORPORATION                            JDA SOFTWARE GROUP, INC.

/s/ Don E. Morrison                              /s/ Peter J. Charness
---------------------------------                -------------------------------
Authorized Signature                             Authorized Signature

Don E. Morrison                                  Peter J. Charness
---------------------------------                -------------------------------
Name (Printed or Typed)                          Name (Printed or Typed)

     ILLEGIBLE                                   SR. VP. JDA Software
---------------------------------                -------------------------------
Title                                            Title

12/23/03                                         Dec 19, 2003
---------------------------------                -------------------------------
Date                                             Date

                                                               REVIEWED/APPROVED
                                                                   JDA LEGAL<PAGE>

                                                                   EXHIBIT 10.15

                       NONSTANDARDIZED ADOPTION AGREEMENT
                 PROTOTYPE CASH OR DEFERRED PROFIT-SHARING PLAN

                                  SPONSORED BY

                                 U.S. BANK, N.A.

The Employer named below hereby establishes a Cash or Deferred Profit-Sharing
Plan for eligible Employees as provided in this Adoption Agreement and the
accompanying Basic Plan Document #01.

I.       EMPLOYER INFORMATION

         IF MORE THAN ONE EMPLOYER IS ADOPTING THE PLAN, COMPLETE THIS SECTION
         BASED ON THE LEAD EMPLOYER. ADDITIONAL EMPLOYERS WHO ARE MEMBERS OF THE
         SAME CONTROLLED GROUP OR AFFILIATED SERVICE GROUP MAY ADOPT THIS PLAN
         BY COMPLETING AND EXECUTING SECTION XX(A) OF THE ADOPTION AGREEMENT.

         A.       NAME AND ADDRESS:

                  JDA Software, Inc.
                  14400 North 87th Street
                  Scottsdale, AZ 85260

         B.       TELEPHONE NUMBER: 480-308-3073

         C.       EMPLOYER'S TAX ID NUMBER: 86-0673401

         D.       FORM OF BUSINESS:

                  [ ] 1. Sole Proprietor   [ ]  5. Limited Liability Company

                  [ ] 2. Partnership       [ ]  6. Limited Liability Partnership

                  [X] 3. Corporation       [ ]  7. _____________________________

                  [ ] 4. S Corporation

         E.       IS THE EMPLOYER PART OF A CONTROLLED GROUP?  [X] YES  [ ] NO
                  PART OF AN AFFILIATED SERVICE GROUP?         [ ] YES  [X] NO

         F.       NAME OF PLAN: JDA SOFTWARE, INC. 401(k) PROFIT SHARING PLAN

         G.       THREE DIGIT PLAN NUMBER: 001

         H.       EMPLOYER'S TAX YEAR END: 12/31

         I.       EMPLOYER'S BUSINESS CODE: ____________________________________

II.      EFFECTIVE DATE

         A.       NEW PLAN:

                  This is a new Plan having an Effective Date of ______________.

         B.       AMENDED AND RESTATED PLANS:

                  This is an amendment or restatement of an existing Plan. The
                  initial Effective Date of the Plan was 01/01/1989. The
                  Effective Date of this amendment or restatement is 01/01/2004.

                                                     Section 401(k) Plan AA #010

                                       1

<PAGE>

         C.       AMENDED OR RESTATED PLANS FOR GUST:

                  This is an amendment or restatement of an existing Plan to
                  comply with GUST [The Uruguay Round Agreements, Pub. L.
                  103-465 (GATT); The Uniformed Services Employment and
                  Reemployment Rights Act of 1994, Pub. L. 103-353 (USERRA); The
                  Small Business Job Protection Act of 1996, Pub. L. 104-188
                  (SBJPA) [including Section 414(u) of the Internal Revenue
                  Code]; The Taxpayer Relief Act of 1997, Pub. L. 105-34
                  (TRA'97); The Internal Revenue Service Restructuring and
                  Reform Act of 1998, Pub. L. 105-206 (IRSRRA), and The
                  Community Renewal Tax Relief Act of 2000, Pub. L. 106-554
                  (CRA). The initial Effective Date of the Plan was
                  ________________________________________. Except as provided
                  for in the Plan, the Effective Date of this amendment or
                  restatement is __________________________. (The restatement
                  date should be no earlier than the first day of the current
                  Plan Year. The Plan contains appropriate retroactive Effective
                  Dates with respect to provisions of GUST.)

                  PURSUANT TO CODE SECTION 411(d)(6) AND THE REGULATIONS ISSUED
                  THEREUNDER, AN EMPLOYER CANNOT REDUCE, ELIMINATE OR MAKE
                  SUBJECT TO EMPLOYER DISCRETION ANY CODE SECTION 411(d)(6)
                  PROTECTED BENEFIT. WHERE THIS PLAN DOCUMENT IS BEING ADOPTED
                  TO AMEND ANOTHER PLAN THAT CONTAINS A PROTECTED BENEFIT NOT
                  PROVIDED FOR IN THE BASIC PLAN DOCUMENT #01, THE EMPLOYER MAY
                  COMPLETE SCHEDULE A AS AN ADDENDUM TO THIS ADOPTION AGREEMENT.
                  SCHEDULE A DESCRIBES SUCH PROTECTED BENEFITS AND SHALL BECOME
                  PART OF THIS PLAN. IF A PRIOR PLAN DOCUMENT CONTAINS A PLAN
                  FEATURE NOT PROVIDED FOR IN THE BASIC PLAN DOCUMENT #01, THE
                  EMPLOYER MAY ATTACH SCHEDULE B DESCRIBING SUCH FEATURE.
                  PROVISIONS LISTED ON SCHEDULE B ARE NOT COVERED BY THE IRS
                  OPINION LETTER ISSUED WITH RESPECT TO THE BASIC PLAN DOCUMENT
                  #01.

         D.       EFFECTIVE DATE FOR ELECTIVE DEFERRALS:

                  If different from above, the Elective Deferral provisions
                  shall be effective __________________________.

III.     DEFINITIONS

         A.       "COMPENSATION"

                  Select the definition of Compensation, the Compensation
                  Computation Period, any Compensation Dollar Limitation and
                  Exclusions from Compensation for each Contribution Type from
                  the options listed below. Enter the letter of the option
                  selected on the lines provided below. Leave the line blank if
                  no election needs to be made.

<TABLE>
<CAPTION>
                                      COMPENSATION                        EXCLUSIONS
    EMPLOYER          COMPENSATION    COMPUTATION       COMPENSATION         FROM
CONTRIBUTION TYPE      DEFINITION        PERIOD      DOLLAR LIMITATION    COMPENSATION
-----------------     ------------    ------------   -----------------    ------------
<S>                   <C>             <C>            <C>                  <C>
All Contributions          b               a                 $                 a
Elective Deferrals                                           $
Voluntary After-tax                                          $
Required After-tax                                           $
Safe Harbor                                                  $
Non-Safe Harbor
Match Formula 1                                              $
QNEC/QMAC                                                    $
Discretionary                                                $
Non-Safe Harbor
Match Formula 2                                              $
</TABLE>

<TABLE>
<CAPTION>
ANTIDISCRIMINATION       COMPENSATION      COMPENSATION            COMPENSATION
      TESTS               DEFINITION    COMPUTATION PERIOD      DOLLAR LIMITATION
<S>                      <C>            <C>                     <C>
ADP/ACP                                                                  $
</TABLE>

                                                     Section 401(k) Plan AA #010

                                       2

<PAGE>

                  COMPENSATION COMPUTATION PERIODS MUST BE CONSISTENT FOR ALL
                  CONTRIBUTION TYPES, EXCEPT DISCRETIONARY. IF DIFFERENT
                  COMPUTATION PERIODS ARE SELECTED, THE SELECTION FOR ADP/ACP
                  TESTING WILL BE DEEMED TO BE THE ELECTION FOR ALL PURPOSES
                  EXCEPT FOR DISCRETIONARY CONTRIBUTIONS.

                  1.       Compensation Definition:

                           a.       Code Section 3401(a) - W-2 Compensation
                                    subject to income tax withholding at the
                                    source.

                           b.       Code Section 3401(a) - W-2 Compensation
                                    subject to income tax withholding at the
                                    source, with all pre-tax contributions
                                    added.

                           c.       Code Section 6041/6051 - Income reportable
                                    on Form W-2.

                           d.       Code Section 6041/6051 - Income reportable
                                    on Form W-2, with all pre-tax contributions
                                    added.

                           e.       Code Section 415 - All income received for
                                    services performed for the Employer.

                           f.       Code Section 415 - All income received for
                                    services performed for the Employer, with
                                    all pre-tax contributions excluded.

                           THE CODE SECTION 415 DEFINITION WILL ALWAYS APPLY
                           WITH RESPECT TO SOLE PROPRIETORS AND PARTNERS.

                  2.       Compensation Computation Period:

                           a.       Compensation paid during a Plan Year while a
                                    Participant.

                           b.       Compensation paid during the entire Plan
                                    Year.

                           c.       Compensation paid during the Employer's
                                    fiscal year.

                           d.       Compensation paid during the calendar year.

                  3.       Compensation Dollar Limitation: The dollar limitation
                           section does not need to be completed unless
                           Compensation of less than the Code Section 401(a)(17)
                           limit of $160,000 (as indexed) is to be used.

                  4.       Exclusions from Compensation (non-integrated plans
                           only):

                           a.       There will be no exclusions from
                                    Compensation under the Plan.

                           b.       Any amount included in a Participant's gross
                                    income due to the application of Code
                                    Sections 125, 132(f)(4), 402(h)(1)(B),
                                    402(e) or 403(b) will be excluded from the
                                    definition of Compensation under the Plan.

                           c.       Overtime

                           d.       Bonuses

                           e.       Commissions

                           f.       Exclusion applies only to Participants who
                                    are Highly Compensated Employees.

                           g.       Severance pay

                           h.       Holiday and vacation pay

                           i.       Other: _____________________________________

                                                     Section 401(k) Plan AA #010

                                       3

<PAGE>

         B.       "DISABILITY"

         [X]      1. As defined in paragraph 1.26 of the Basic Plan Document
                  #01.

         [ ]      2.       As defined in the Employer's Disability Insurance
                           Plan.

         [ ]      3.       An individual will be considered to be disabled
                           if he or she is unable to engage in any substantial
                           gainful activity by reason of any medically
                           determinable physical or mental impairment which can
                           be expected to result in death or to be of long
                           continued and indefinite duration. An individual
                           shall not be considered to be disabled unless he or
                           she furnishes proof of the existence thereof in such
                           form and manner as the Secretary may prescribe.

         C.       "HIGHLY COMPENSATED EMPLOYEES - TOP-PAID GROUP ELECTION" For
                  Plans which are being amended and restated for GUST, please
                  complete Schedule C outlining the preamendment operation of
                  the Plan, as well as this section of the Adoption Agreement.
                  The testing elections made below will apply to the future
                  operation of the Plan.

         [X]      1.       Top-Paid Group Election:

                           In determining who is a Highly Compensated Employee,
                           the Employer makes the Top-Paid Group election. The
                           effect of this election is that an Employee (who is
                           not a 5% owner at any time during the determination
                           year or the look-back year) who earned more than
                           $80,000, as indexed for the look-back year, is a
                           Highly Compensated Employee if the Employee was in
                           the Top-Paid Group for the look-back year. This
                           election is applicable for the Plan Year in which
                           this Plan is effective.

         [ ]      2.       Calendar Year Data Election:

                           If the Plan Year is not the calendar year, the prior
                           year computation period for purposes of determining
                           if an Employee earned more than $80,000, as indexed,
                           is the calendar year beginning in the prior Plan
                           Year. This election is applicable for the Plan Year
                           in which this Plan is effective.

         D.       "HOUR OF SERVICE"

                  Hours shall be determined by the method selected below. The
                  method selected shall be applied to all Employees covered
                  under the Plan as follows:

         [ ]      1.       Not applicable. For all purposes under the Plan, a
                           Year of Service (Period of Service) is defined as
                           Elapsed Time.

         [X]      2.       On the basis of actual hours for which an Employee is
                           paid or entitled to payment.

         [ ]      3.       On the basis of days worked. An Employee shall
                           be credited with ten (10) Hours of Service if such
                           Employee would be credited with at least one (1) Hour
                           of Service during the day.

         [ ]      4.       On the basis of weeks worked. An Employee shall
                           be credited with forty-five (45) Hours of Service if
                           the Employee would be credited with at least one (1)
                           Hour of Service during the week.

         [ ]      5.       On the basis of semi-monthly payroll periods. An
                           Employee shall be credited with ninety-five (95)
                           Hours of Service if such Employee would be credited
                           with at least one (1) Hour of Service during the
                           semi-monthly payroll period.

         [ ]      6.       On the basis of months worked. An Employee shall
                           be credited with one-hundred-ninety (190) Hours of
                           Service if such Employee would be credited with at
                           least one (1) Hour of Service during the month.

                                                     Section 401(k) Plan AA #010

                                       4

<PAGE>

         E.       "INTEGRATION LEVEL"

         [X]      1.       Not applicable. The Plan's allocation formula is not
                           integrated with Social Security.

         [ ]      2.       The maximum earnings considered wages for such
                           Plan Year for Social Security withholding purposes
                           without regard to Medicare.

         [ ]      3.       ________% (not more than 100%) of the amount
                           considered wages for such Plan Year for Social
                           Security withholding purposes without regard to
                           Medicare.

         [ ]      4.       $________, provided that such amount is not in excess
                           of the amount determined under paragraph (E)(2)
                           above.

         [ ]      5.       One dollar over 80% of the amount considered wages
                           for such Plan Year for Social Security withholding
                           purposes without regard to Medicare.

         [ ]      6.       20% of the maximum earnings considered wages for such
                           Plan Year for Social Security withholding purposes
                           without regard to Medicare.

         F.       "LIMITATION YEAR"

                  Unless elected otherwise below, the Limitation Year shall be
                  the Plan Year.

                  The 12-consecutive month period commencing on 01/01 and ending
                  on 12/31.

                  If applicable, there will be a short Limitation Year
                  commencing on ___________________________ and ending on
                  ___________________________. Thereafter, the Limitation Year
                  shall end on the date specified above.

         G.       "NET PROFIT"

         [X]      1.       Not applicable. Employer contributions to the Plan
                           are not conditioned on profits.

         [ ]      2.       Net Profits are defined as follows:

                  [ ]      a.       As defined in paragraph 1.61 of Basic Plan
                                    Document #01.

                  [ ]      b.       Net Profits will be defined in a uniform and
                                    nondiscriminatory manner which will not
                                    result in a deprivation of an eligible
                                    Participant of any Employer Contribution.

                           c.       Net Profits are required for the following
                                    contributions:

                           [ ]      i.      Employer Non-Safe Harbor Match
                                            Formula 1.

                           [ ]      ii.     Employer Non-Safe Harbor Match
                                            Formula 2.

                           [ ]      iii.    Employer QNEC and QMAC.

                           [ ]      iv.     Employer discretionary.

                  ELECTIVE DEFERRALS CAN ALWAYS BE CONTRIBUTED REGARDLESS OF
                  PROFITS. TOP-HEAVY MINIMUMS ARE REQUIRED REGARDLESS OF
                  PROFITS.

         H.       "PLAN YEAR"

                  The 12-consecutive month period commencing on 01/01 and ending
                  on 12/31.

                                                     Section 401(k) Plan AA #010

                                       5

<PAGE>

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

         I.       "QDRO PAYMENT DATE"

         [X]      1.       The date the QDRO is determined to be qualified.

         [ ]      2.       The statutory age 50 requirement applies for purposes
                           of making distribution to an alternate payee under
                           the provisions of a QDRO.

         J.       "QUALIFIED JOINT AND SURVIVOR ANNUITY"

         [X]      1.       Not applicable. The Plan is not subject to
                           Qualified Joint and Survivor Annuity rules. The safe
                           harbor provisions of paragraph 8.7 of the Basic Plan
                           Document #01 apply. The normal form of payment is a
                           lump sum. No annuities are offered under the Plan.

         [ ]      2.       The normal form of payment is a lump sum. The
                           Plan does provide for annuities as an optional form
                           of payment at Section XVIII(C) of the Adoption
                           Agreement. Joint and Survivor rules are avoided
                           unless the Participant elects to receive his or her
                           distribution in the form of an annuity.

         [ ]      3.       The Joint and Survivor Annuity rules are
                           applicable and the survivor annuity will be
                           ______________% (50%, 66-2/3%, 75% or 100%) of the
                           annuity payable during the lives of the Participant
                           and his or her Spouse. If no selection is specified,
                           50% shall be deemed elected.

         K.       "QUALIFIED PRERETIREMENT SURVIVOR ANNUITY"

                  DO NOT COMPLETE THIS SECTION IF PARAGRAPH (J)(1) WAS ELECTED.

         [ ]      1.       The Qualified Preretirement Survivor Annuity shall be
                           100% of the Participant's Vested Account Balance in
                           the Plan as of the date of the Participant's death.

         [ ]      2.       The Qualified Preretirement Survivor Annuity shall be
                           50% of the Participant's Vested Account Balance in
                           the Plan as of the date of the Participant's death.

         L.       "VALUATION OF PLAN ASSETS"

                  The assets of the Plan shall be valued on the last day of the
                  Plan Year and on the following Valuation Date(s):

         [ ]      1.       There are no other mandatory Valuation Dates.

         [X]      2.       The Valuation Dates are applicable for the
                           contribution type specified below:

<TABLE>
<CAPTION>
     CONTRIBUTION TYPE                        VALUATION DATE
     -----------------                        --------------
<S>                                           <C>
All Contributions                                   a
Elective Deferrals
Voluntary After-tax
Required After-tax
Safe Harbor
Non-Safe Harbor Match Formula 1
QNEC/QMAC
Discretionary
Non-Safe Harbor Match Formula 2
</TABLE>

                           a.       Daily valued.

                                                     Section 401(k) Plan AA #010

                                       6

<PAGE>

                           b.       The last day of each month.

                           c.       The last day of each quarter in the Plan
                                    Year.

                           d.       The last day of each semi-annual period in
                                    the Plan Year.

                           e.       At the discretion of the Plan Administrator.

                           f.       Other:______________________________ .

IV.      ELIGIBILITY REQUIREMENTS

         Complete the following using the eligibility requirements as specified
         for each contribution type. To become a Participant in the Plan, the
         Employee must satisfy the following eligibility requirements.

<TABLE>
<CAPTION>
                                                         ELIGIBILITY
                       MINIMUM    SERVICE       CLASS    COMPUTATION
CONTRIBUTION TYPE        AGE    REQUIREMENT  EXCLUSIONS    PERIOD     ENTRY DATE
--------------------------------------------------------------------------------
<S>                    <C>      <C>          <C>         <C>          <C>
All Contributions        21         2           1,2,         1           1
                                                 6

Elective Deferrals

Voluntary After-tax

Required After-tax

Safe Harbor
Contribution*

Non-Safe Harbor
Match - Formula 1

QNECs

QMACs

Employer Discretionary

Non-Safe Harbor Match-
Formula 2
</TABLE>

         *IF ANY AGE OR SERVICE REQUIREMENT SELECTED IS MORE RESTRICTIVE THAN
         THAT WHICH IS IMPOSED ON ANY EMPLOYEE CONTRIBUTION, THAT GROUP OF
         EMPLOYEES WILL BE SUBJECT TO THE ADP AND/OR ACP TESTING AS PRESCRIBED
         UNDER IRS NOTICES 98-52, 2000-3 AND ANY APPLICABLE IRS REGULATIONS.

         A.       AGE:

                  1.       No age requirement.

                  2.       Insert the applicable age in the chart above. The age
                           may not be more than 21.

         B.       SERVICE:

                  1.       No Service requirement.

                  2.       1 months of Service (insert number of months
                           applicable to the specified contribution type).

                  3.       _______ months of Service (insert number of months
                           applicable to the specified contribution type).

                                                     Section 401(k) Plan AA #010

                                       7
<PAGE>

                  4.       1 Year of Service or Period of Service.

                  5.       2 Years of Service or Periods of Service.

                  6.       1 Expected Year of Service. May enter after six (6)
                           months of actual Service.

                  7.       1 Expected Year of Service. May enter after
                           __________ months of actual Service [must be less
                           than one (1) Year].

                  8.       1 Expected Year of Service. May enter after
                           __________ months of actual Service [must be less
                           than one (1) Year].

                  9.       Completion of ___________ Hours of Service within the
                           ___________ month(s) time period following an
                           Employee's commencement of employment.

                  NO MORE THAN 83 1/3 HOURS OF SERVICE MAY BE REQUIRED DURING
                  EACH SUCH MONTH; PROVIDED, HOWEVER, THAT THE EMPLOYEE SHALL
                  BECOME A PARTICIPANT NO LATER THAN UPON THE COMPLETION OF
                  1,000 HOURS OF SERVICE WITHIN AN ELIGIBILITY COMPUTATION
                  PERIOD AND THE ATTAINMENT OF THE MINIMUM AGE REQUIREMENT.

                  THE MAXIMUM SERVICE REQUIREMENT FOR ELECTIVE DEFERRALS IS 1
                  YEAR. FOR ALL OTHER CONTRIBUTIONS, THE MAXIMUM IS 2 YEARS. IF
                  A SERVICE REQUIREMENT GREATER THAN 1 YEAR IS SELECTED,
                  PARTICIPANTS MUST BE 100% VESTED IN THAT CONTRIBUTION.

                  A Year of Service for eligibility purposes is defined as
                  follows (choose one):

                  DO NOT ENTER THIS DEFINITION IN THE TABLE ABOVE.

         [X]      10.      Not applicable. There is no Service requirement.

         [ ]      11.      Not applicable.  The Plan is using Expected Year of
                           Service or has a Service requirement of less than one
                           (1) year.

         [ ]      12.      Hours of Service method. A Year of Service will
                           be credited upon completion of ____________ Hours of
                           Service. A Year of Service for eligibility purposes
                           may not be less than 1 Hour of Service nor greater
                           than 1,000 hours by operation of law. If left blank,
                           the Plan will use 1,000 hours.

         [ ]      13.      Elapsed Time method.

         C.       EMPLOYEE CLASS EXCLUSIONS:

                  1.       Employees included in a unit of Employees covered by
                           a collective bargaining agreement between the
                           Employer and Employee Representatives, if benefits
                           were the subject of good faith bargaining and if two
                           percent or less of the Employees are covered pursuant
                           to the agreement are professionals as defined in
                           ss.1.410(b)-9 of the Regulations. For this purpose,
                           the term "employee representative" does not include
                           any organization more than half of whose members are
                           owners, officers, or executives of the Employer.

                  2.       Employees who are non-resident aliens [within the
                           meaning of Code Section 7701(b)(1)(B)] 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)].

                  3.       Employees compensated on an hourly basis.

                  4.       Employees compensated on a salaried basis.

                  5.       Employees compensated on a commission basis.

                  6.       Leased Employees.

                                                     Section 401(k) Plan AA #010

                                       8
<PAGE>

                  7.       Highly Compensated Employees.

                  8.       The Plan shall exclude from participation any
                           nondiscriminatory classification of Employees
                           determined as follows: ____________________________

         D.       ELIGIBILITY COMPUTATION PERIOD: The initial Eligibility
                  Computation Period shall commence on the date on which an
                  Employee first performs an Hour of Service and the first
                  anniversary thereof. Each subsequent Computation Period shall
                  commence on:

                  1.       Not applicable. The Plan has a Service requirement of
                           less than one (1) year or uses the Elapsed Time
                           method to determine eligibility.

                  2.       The anniversary of the Employee's employment
                           commencement date and each subsequent 12-consecutive
                           month period thereafter.

                  3.       The first day of the Plan Year which commences prior
                           to the first anniversary date of the Employee's
                           employment commencement date and each subsequent Plan
                           Year thereafter.

         E.       ENTRY DATE OPTIONS:

                  1.       The first day of the month coinciding with or next
                           following the date on which an Employee meets the
                           eligibility requirements.

                  2.       The first day of the payroll period coinciding with
                           or next following the date on which an Employee meets
                           the eligibility requirements.

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

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

                  5.       The first day of the Plan Year following the date on
                           which the Employee meets the eligibility
                           requirements. If this election is made, the Service
                           waiting period cannot be greater than one-half year
                           and the minimum age requirement may not be greater
                           than age 20-1/2.

                  6.       The first day of the Plan Year nearest the date on
                           which an Employee meets the eligibility requirements.
                           THIS OPTION CAN ONLY BE SELECTED FOR EMPLOYER RELATED
                           CONTRIBUTIONS.

                  7.       The first day of the Plan Year during which the
                           Employee meets the eligibility requirements. THIS
                           OPTION CAN ONLY BE SELECTED FOR EMPLOYER RELATED
                           CONTRIBUTIONS.

                  8.       The Employee's date of hire.

         F.      EMPLOYEES ON EFFECTIVE DATE:

         [X]      1.       All Employees will be required to satisfy both the
                           age and Service requirements specified above.

         [ ]      2.       Employees employed on the Plan's Effective Date do
                           not have to satisfy the age requirement specified
                           above.

         [ ]      3.       Employees employed on the Plan's Effective Date do
                           not have to satisfy the Service requirement specified
                           above.

                                                     Section 401(k) Plan AA #010

                                       9
<PAGE>

         G.       SPECIAL WAIVER OF ELIGIBILITY REQUIREMENTS:

                  The age and/or Service eligibility requirements specified
                  above shall be waived for those eligible Employees who are
                  employed on the following date for the contribution type(s)
                  specified. This waiver applies to either the age or service
                  requirement or both as elected below:

<TABLE>
<CAPTION>
                     WAIVER OF AGE      WAIVER OF SERVICE
WAIVER DATE           REQUIREMENT          REQUIREMENT             CONTRIBUTION TYPE
-----------------------------------------------------------------------------------------------
<S>                  <C>                <C>                     <C>
                                                                All Contributions
                                                                Elective Deferrals
                                                                Employer Discretionary
                                                                Non-Safe Harbor Match Formula 1
                                                                Safe Harbor Contribution
                                                                QNEC
                                                                QMAC
                                                                Non-Safe Harbor Match Formula 2
</TABLE>

V.       RETIREMENT AGES

         A.       NORMAL RETIREMENT:

         [ ]      1.       Normal Retirement Age shall be age ________  (not to
                           exceed 65).

         [X]      2.       Normal Retirement Age shall be the later of
                           attaining age 55 (not to exceed age 65) or the 5TH
                           (not to exceed the fifth) anniversary of the first
                           day of the first Plan Year in which the Participant
                           commenced participation in the Plan.

                  3.       The Normal Retirement Date shall be:

                  [X]      a.       as of the date the Participant attains
                                    Normal Retirement Age.

                  [ ]      b.       the first day of the month next following
                                    the Participant's attainment of Normal
                                    Retirement Age.

         B.       EARLY RETIREMENT:

         [X]      1.       Not applicable.

         [ ]      2.       The Plan shall have an Early Retirement Age of
                           ________ (not less than age 55) and completion of
                           ________ Years of Service.

                  3.       The Early Retirement Date shall be:

                  [ ]      a.       as of the date the Participant attains Early
                                    Retirement Age.

                  [ ]      b.       the first day of the month next following
                                    the Participant's attainment of Early
                                    Retirement Age.

VI.      EMPLOYEE CONTRIBUTIONS

         A.       ELECTIVE DEFERRALS:

         [X]      1.       Up to 50%.

         [ ]      2.       Participants shall be permitted to make Elective
                           Deferrals in any amount from a minimum of _______% to
                           a maximum of _______% of their Compensation not to
                           exceed $__________.

                                                     Section 401(k) Plan AA #010

                                       10
<PAGE>

         [ ]      3.       Participants shall be permitted to make Elective
                           Deferrals in a flat dollar amount from a minimum of
                           $______________ to a maximum of $_____________, not
                           to exceed ______% of their Compensation.

         [ ]      4.       Up to the maximum percentage of Compensation and
                           dollar amount permissible under Section 402(g) of the
                           Internal Revenue Code not to exceed the limits of
                           Code Sections 401(k), 404 and 415.

         B.       BONUS OPTION:

         [X]      1.       Not applicable.

         [ ]      2.       Bonuses paid by the Employer ARE included in the
                           definition of Compensation and the Employer permits a
                           Participant to amend their deferral election to defer
                           to the Plan, an amount not to exceed __________% or
                           $_________ of any bonus received by the Participant
                           for any Plan Year.

         C.       AUTOMATIC ENROLLMENT: The Employer elects the automatic
                  enrollment provisions as follows:

         [ ]      1.       NEW EMPLOYEES.  Employees who have not met the
                           eligibility requirements shall have Elective
                           Deferrals withheld in the amount of ________% of
                           Compensation or $________ of Compensation upon
                           entering the Plan.

         [ ]      2.       CURRENT PARTICIPANTS.  Current Participants who are
                           deferring at a percentage less than the amount
                           selected herein shall have Elective Deferrals
                           withheld in the amount of ________% of Compensation
                           or $________ of Compensation.

         [ ]      3.       CURRENT EMPLOYEES.  Employees who are eligible to
                           participate but not deferring shall have Elective
                           Deferrals withheld in the amount of ______ % of
                           Compensation or $_________ of Compensation.

                  Employees and Participants shall have the right to amend the
                  stated automatic Elective Deferral percentage or receive cash
                  in lieu of deferral into the Plan.

         D.       VOLUNTARY AFTER-TAX CONTRIBUTIONS:

         [X]      1.       The Plan does not permit Voluntary After-tax
                           Contributions.

         [ ]      2.       Participants may make Voluntary After-tax
                           Contributions in any amount from a minimum of
                           ________% to a maximum of ______% of their
                           Compensation or a flat dollar amount from a minimum
                           of $____________ to a -- maximum of $______________.

                  IF RECHARACTERIZATION OF ELECTIVE DEFERRALS HAS BEEN ELECTED
                  AT SECTION XII(D) IN THIS ADOPTION AGREEMENT, VOLUNTARY
                  AFTER-TAX CONTRIBUTIONS MUST BE PERMITTED IN THE PLAN BY
                  COMPLETING THE SECTION ABOVE.

         E.       REQUIRED AFTER-TAX CONTRIBUTIONS (THRIFT SAVINGS PLANS ONLY):

         [X]      1.       The Plan does not permit Required After-tax
                           Contributions.

         [ ]      2.       Participants shall be required to make Required
                           After-tax Contributions as follows:

                  [ ]      a.       ________% of Compensation.

                  [ ]      b.       A percentage determined by the Employee.

         F.       ROLLOVER CONTRIBUTIONS:

         [ ]      1.       The Plan does not accept Rollover Contributions.

                                                     Section 401(k) Plan AA #010

                                       11
<PAGE>

         [ ]      2.       Participants may make Rollover Contributions after
                           meeting the eligibility requirements for
                           participation in the Plan.

         [X]      3.       Employees may make Rollover Contributions prior to
                           meeting the eligibility requirements for
                           participation in the Plan.

         G.       ELECTIVE PLAN TO PLAN TRANSFER CONTRIBUTIONS:

         [ ]      1.       The Plan does not accept Transfer Contributions.

         [ ]      2.       Participants may make Transfer Contributions after
                           meeting the eligibility requirements for
                           participation in the Plan.

         [X]      3.       Employees may make Transfer Contributions prior to
                           meeting the eligibility requirements for
                           participation in the Plan.

         H.       CHANGES TO ELECTIVE DEFERRALS:

                  Participants shall be permitted to terminate their Elective
                  Deferrals at any time upon proper and timely notice to the
                  Employer. Modifications to Participants' Elective Deferrals
                  will become effective on a prospective basis as provided for
                  below:

         [ ]      1.       On a daily basis.

         [ ]      2.       Upon _____ (not to exceed 90) days notice to the Plan
                           Administrator.

         [X]      3.       On the first day of each quarter.

         [ ]      4.       On the first day of the next month.

         [ ]      5.       The beginning of the next payroll period.

         I.       REINSTATEMENT OF ELECTIVE DEFERRALS:

                  Participants who terminate their Elective Deferrals shall be
                  permitted to reinstate their Elective Deferrals on a
                  prospective basis as provided for below:

         [ ]      1.       On a daily basis.

         [ ]      2.       Upon _____ (not to exceed 90) days notice to the Plan
                           Administrator.

         [X]      3.       On the first day of each quarter.

         [ ]      4.       On the first day of the next month.

         [ ]      5.       The beginning of the next payroll period.

VII.     SAFE HARBOR PLAN PROVISIONS

[ ]      The Employer elects to comply with the Safe Harbor Cash or Deferred
         Arrangement provisions of Article XI of Basic Plan Document #01 and
         elects one of the following contribution formulas:

         A.       SAFE HARBOR TESTS:

         [ ]      1.       Only the ADP and not the ACP Test Safe Harbor
                           provisions are applicable.

                                                     Section 401(k) Plan AA #010

                                       12
<PAGE>

         [ ]      2.       Both the ADP and ACP Test Safe Harbor provisions are
                           applicable. If both ADP and ACP provisions are
                           applicable:

                  [ ]      a.       No additional Matching Contributions will be
                                    made in any Plan Year in which the Safe
                                    Harbor provisions are used.

                  [ ]      b.       The Employer may make Matching Contributions
                                    in addition to any Safe Harbor Matching
                                    Contributions elected below. (Complete
                                    provisions in Article VIII regarding
                                    Matching Contributions that will be made in
                                    addition to those Safe Harbor Matching
                                    Contributions made below.)

[ ]      B.       DESIGNATION OF ALTERNATE PLAN TO RECEIVE SAFE HARBOR
                  CONTRIBUTION:

                  If the Safe Harbor Contribution as elected below is not being
                  made to this Plan, the name of the other plan that will
                  receive the Safe Harbor Contribution is:_____________________

[ ]      C.       BASIC MATCHING CONTRIBUTION FORMULA:

                  Matching Contributions will be made on behalf of Participants
                  in an amount equal to 100% of the amount of the Eligible
                  Participant's Elective Deferrals that do not exceed 3% of the
                  Participant's Compensation and 50% of the amount of the
                  Participant's Elective Deferrals that exceed 3% of the
                  Participant's Compensation but that do not exceed 5% of the
                  Participant's Compensation.

[ ]      D.       ENHANCED MATCHING CONTRIBUTION FORMULA:

                  Matching Contributions will be made in an amount equal to the
                  sum of:

         [ ]      1.       _________% (may not be less than 100%) of the
                           Participant's Elective Deferrals that do not exceed
                           _________% (if more than 6% or if left blank, the ACP
                           Test will apply) of the Participant's Compensation,
                           plus

         [ ]      2.       _________% of the Participant's Elective Deferrals
                           that exceed _________% of the Participant's
                           Compensation but do not exceed _________% (if more
                           than 6% or if left blank the ACP Test will apply) of
                           the Participant's Compensation.

                  This section must be completed so that at any rate of Elective
                  Deferrals, the Matching Contribution is at least equal to the
                  Matching Contribution received if the Employer used the Basic
                  Matching Contribution Formula. The rate of match cannot
                  increase as Elective Deferrals increase. If an additional
                  discretionary match is made, the dollar amount may not exceed
                  4% of the Participant's Compensation.

[ ]      E.       GUARANTEED NON-ELECTIVE CONTRIBUTION FORMULA:

                  The Employer shall make a Non-Elective Contribution equal to
                  _________% (not less than 3%) of the Compensation of each
                  Eligible Participant.

[ ]      F.       FLEXIBLE NON-ELECTIVE CONTRIBUTION FORMULA:

                  This provision provides the Employer with the ability to amend
                  the Plan to comply with the Safe Harbor provisions during the
                  Plan Year. To provide such option, the Employer must amend the
                  Plan and indicate on Schedule D that the Safe Harbor
                  Non-Elective Contribution (not less than 3%) will be made for
                  the specified Plan Year. Such election must comply with all
                  the applicable notice requirements.

                  ADDITIONAL NON-SAFE HARBOR CONTRIBUTIONS MAY BE MADE TO THE
                  PLAN PURSUANT TO ARTICLE XI OF BASIC PLAN DOCUMENT #01.

                                                     Section 401(k) Plan AA #010

                                       13
<PAGE>

[ ]      G.       LIMITATIONS ON SAFE HARBOR MATCHING CONTRIBUTIONS:

                  If a Safe Harbor Matching Contribution is made to the Plan:

         [ ]      1.       The Employer will annualize the Safe Harbor Matching
                           Contributions.

         [ ]      2.       The Employer will not annualize the Safe Harbor
                           Matching Contributions and elects to match actual
                           Elective Deferrals made:

                  [ ]      a.       on a  payroll basis.

                  [ ]      b.       on a monthly basis.

                  [ ]      c.       on a Plan Year quarterly basis.

                           If no election is made, the payroll period method
                           will be used. If one of the Matching Contribution
                           calculation periods at Section VII(G)(2) above is
                           selected Matching Contributions must be deposited to
                           the Plan not later than the last day of the calendar
                           quarter next following the quarter following to which
                           they relate.

         IF THE SAFE HARBOR PLAN PROVISIONS ARE ELECTED, THE ANTIDISCRIMINATION
         TESTS AT ARTICLE XI OF THE BASIC PLAN DOCUMENT #01 ARE NOT APPLICABLE.
         SAFE HARBOR CONTRIBUTIONS MADE ARE SUBJECT TO THE WITHDRAWAL
         RESTRICTIONS OF CODE SECTION 401(k)(2)(B) AND TREASURY REGULATIONS
         SECTION 1.401(k)-1(d); SUCH CONTRIBUTIONS (AND EARNINGS THEREON) MUST
         NOT BE DISTRIBUTABLE EARLIER THAN SEPARATION FROM SERVICE, DEATH,
         DISABILITY, AN EVENT DESCRIBED IN CODE SECTION 401(k)(10), OR IN THE
         CASE OF A PROFIT-SHARING OR STOCK BONUS PLAN, THE ATTAINMENT OF AGE
         59 1/2. SAFE HARBOR CONTRIBUTIONS ARE NOT AVAILABLE FOR HARDSHIP
         WITHDRAWALS.

         THE ACP TEST SAFE HARBOR IS AUTOMATICALLY SATISFIED IF THE ONLY
         MATCHING CONTRIBUTION TO THE PLAN IS EITHER A BASIC MATCHING
         CONTRIBUTION OR AN ENHANCED MATCHING CONTRIBUTION THAT DOES NOT PROVIDE
         A MATCH ON ELECTIVE DEFERRALS IN EXCESS OF 6% OF COMPENSATION. FOR
         PLANS THAT ALLOW VOLUNTARY OR REQUIRED AFTER-TAX CONTRIBUTIONS, THE ACP
         TEST IS APPLICABLE WITH REGARD TO SUCH CONTRIBUTIONS.

         EMPLOYEES ELIGIBLE TO MAKE ELECTIVE DEFERRALS TO THIS PLAN MUST BE
         ELIGIBLE TO RECEIVE THE SAFE HARBOR CONTRIBUTION IN THE PLAN LISTED
         ABOVE, TO THE EXTENT REQUIRED BY IRS NOTICES 98-2 AND 2000-3.

                                                     Section 401(k) Plan AA #010

                                       14
<PAGE>

VIII.    EMPLOYER CONTRIBUTIONS

         The Employer shall make contributions to the Plan in accordance with
         the formula or formulas selected below. The Employer's contribution
         shall be subject to the limitations contained in Articles III and X.
         For this purpose, a contribution for a Plan Year shall be limited by
         Compensation earned in the Limitation Year which ends with or within
         such Plan Year.

         Do not complete this Section of the Adoption Agreement if the Plan only
         offers a Safe Harbor Contribution. A Plan that offers both a Safe
         Harbor Matching Contribution as well as an additional Matching
         Contribution which is specified below, must complete both Sections VII
         and VIII of the Adoption Agreement.

         A.       MATCHING EMPLOYER CONTRIBUTION:

                  Select the Matching Contribution Formula, Computation Period
                  and special Limitations for each contribution type from the
                  options listed below. Enter the letter of the option(s)
                  selected on the lines provided. Leave the line blank if no
                  election is required.

<TABLE>
<CAPTION>
                  NON-SAFE                                        NON-SAFE
                   HARBOR        MATCHING                          HARBOR        MATCHING
TYPE OF           MATCHING     COMPUTATION                        MATCHING     COMPUTATION
CONTRIBUTION      FORMULA 1       PERIOD         LIMITATIONS      FORMULA 2       PERIOD         LIMITATIONS
------------------------------------------------------------------------------------------------------------
<S>               <C>          <C>               <C>              <C>          <C>               <C>
Elective               c              g
Deferrals
------------------------------------------------------------------------------------------------------------
Voluntary
After-tax
------------------------------------------------------------------------------------------------------------
Required
After-tax
------------------------------------------------------------------------------------------------------------
403(b)
Deferrals
</TABLE>

                  If any election is made with respect to "403(b) Deferrals"
                  above, and if this Plan is used to fund any Employer
                  Contributions, Employer Contributions will be based on the
                  Elective Deferrals made to an existing 403(b) plan sponsored
                  by the Employer.

                  Name of corresponding 403(b) plan:__________________________

                  1.       MATCHING CONTRIBUTION FORMULAS:

                           ELECTIVE DEFERRAL MATCHING CONTRIBUTION FORMULAS:

                           a.       PERCENTAGE OF DEFERRAL MATCH: The Employer
                                    shall contribute to each eligible
                                    Participant's account an amount equal to
                                    _________% of the Participant's Elective
                                    Deferrals up to a maximum of _________% or
                                    $_________ of Compensation.

                           b.       UNIFORM DOLLAR MATCH: The Employer shall
                                    contribute to each eligible Participant's
                                    account $________ if the Participant who
                                    contributes at least ________% or
                                    $__________ of Compensation. The Employer's
                                    contribution will be made up to a maximum of
                                    _____% of Compensation.

                           c.       DISCRETIONARY MATCH: The Employer's Matching
                                    Contribution shall be determined by the
                                    Employer with respect to each Plan Year. The
                                    Matching Contribution shall be contributed
                                    to each eligible Participant in accordance
                                    with the nondiscriminatory formula
                                    determined by the Employer. If this Plan is
                                    also utilizing a Safe Harbor Contribution,
                                    pursuant to Section VII of this Adoption
                                    Agreement, Discretionary Matching
                                    Contributions may not exceed 4% of
                                    Compensation.

                                                     Section 401(k) Plan AA #010

                                       15
<PAGE>

                           d.       TIERED MATCH: The Employer shall contribute
                                    to each eligible Participant's account an
                                    amount equal to:

                                    ________% of the first ________% of the
                                    Participant's Compensation contributed, and

                                    ________% of the next ________% of the
                                    Participant's Compensation contributed, and

                                    ________% of the next ________% of the
                                    Participant's Compensation contributed.

                                    The Employer's contribution will be made up
                                    to the [ ] greater of [ ] lesser of
                                    _________% of Compensation, or $__________.

                                    THE PERCENTAGES SPECIFIED ABOVE MAY NOT
                                    INCREASE AS THE PERCENTAGE OF PARTICIPANT'S
                                    CONTRIBUTION INCREASES.

                           e.       PERCENTAGE OF COMPENSATION MATCH: The
                                    Employer shall contribute to each eligible
                                    Participant's account ________% of
                                    Compensation if the eligible Participant
                                    contributes at least ________% of
                                    Compensation.

                                    The Employer's contribution will be made up
                                    to the [ ] greater of [ ] lesser of
                                    _________% of Compensation, or $__________.

                           f.       PROPORTIONATE COMPENSATION MATCH: The
                                    Employer shall contribute to each eligible
                                    Participant who defers at least ________% of
                                    Compensation, an amount determined by
                                    multiplying such Employer Matching
                                    Contribution by a fraction, the numerator of
                                    which is the Participant's Compensation and
                                    the denominator of which is the Compensation
                                    of all Participants eligible to receive such
                                    an allocation.

                                    The Employer's contribution will be made up
                                    to the [ ] greater of [ ] lesser of
                                    _________% of Compensation, or $__________.

                           g.       LENGTH OF SERVICE MATCH: The Employer shall
                                    make Matching Contributions equal to the
                                    formula determined under the following
                                    schedule:

<TABLE>
<CAPTION>
Participant's Total                         Matching
Years of Service                            Contribution Formula
-------------------                         --------------------
<S>                                         <C>
______________                              ___________________________
______________                              ___________________________
______________                              ___________________________
</TABLE>

                                    EACH SEPARATE MATCHING PERCENTAGE
                                    CONTRIBUTION MUST SATISFY CODE SECTION
                                    401(a)(4) NONDISCRIMINATION REQUIREMENTS AND
                                    THE ACP TEST.

                           VOLUNTARY AFTER-TAX MATCHING CONTRIBUTION FORMULAS:

                           h.       PERCENTAGE OF DEFERRAL MATCH: The Employer
                                    shall contribute to each eligible
                                    Participant's account an amount equal to
                                    ______% of the Participant's Voluntary
                                    After-tax Contributions up to a maximum of
                                    ______% or $__________ of Compensation.

                           i.       UNIFORM DOLLAR MATCH: The Employer shall
                                    contribute to each eligible Participant's
                                    account $________ if the Participant at
                                    contributes least ________% or $________ of
                                    Compensation. The Employer's contribution
                                    will be made up to a maximum of _____% of
                                    Compensation.

                                                     Section 401(k) Plan AA #010

                                       16
<PAGE>

                           j.       DISCRETIONARY MATCH: The Employer's Matching
                                    Contribution shall be determined by the
                                    Employer with respect to each Plan Year. The
                                    Matching Contribution shall be contributed
                                    to each eligible Participant in accordance
                                    with the nondiscriminatory formula
                                    determined by the Employer.

                           REQUIRED AFTER-TAX MATCHING CONTRIBUTION FORMULAS:

                           k.       PERCENTAGE OF DEFERRAL MATCH: The Employer
                                    shall contribute to each eligible
                                    Participant's account an amount equal to
                                    ________% of the Participant's Required
                                    After-tax Contributions up to a maximum of
                                    ________% or $__________ of Compensation.

                           l.       UNIFORM DOLLAR MATCH: The Employer shall
                                    contribute to each eligible Participant's
                                    account $________ if the Participant
                                    contributes at least _______% or $__________
                                    of Compensation. The Employer's contribution
                                    will be made up to a maximum of ______% of
                                    Compensation.

                           m.       DISCRETIONARY MATCH: The Employer's Matching
                                    Contribution shall be determined by the
                                    Employer with respect to each Plan Year. The
                                    Matching Contribution shall be contributed
                                    to each eligible Participant in accordance
                                    with the nondiscriminatory formula
                                    determined by the Employer.

                           IF THE MATCHING CONTRIBUTION FORMULA SELECTED BY THE
                           EMPLOYER IS 100% VESTED AND MAY NOT BE DISTRIBUTED TO
                           THE PARTICIPANT BEFORE THE EARLIER OF THE DATE THE
                           PARTICIPANT SEPARATES FROM SERVICE, RETIRES, BECOMES
                           DISABLED, ATTAINS 59-1/2, OR DIES, IT MAY BE TREATED
                           AS A QUALIFIED MATCHING CONTRIBUTION.

                           403(b)   MATCHING CONTRIBUTION FORMULAS:

                           n.       PERCENTAGE OF DEFERRAL MATCH: The Employer
                                    shall contribute to each eligible
                                    Participant's account an amount equal to
                                    ________% of the Participant's 403(b)
                                    Deferrals up to a maximum of ________% or
                                    $__________ of Compensation.

                           o.       UNIFORM DOLLAR MATCH: The Employer shall
                                    contribute to each eligible Participant's
                                    account $________ if the Participant
                                    contributes at least ______% or $___________
                                    of Compensation. The Employer's contribution
                                    will be made up to a maximum of ______% of
                                    Compensation.

                           p.       DISCRETIONARY MATCH: The Employer's Matching
                                    Contribution shall be determined by the
                                    Employer with respect to each Plan Year. The
                                    Matching Contribution shall be contributed
                                    to each eligible Participant in accordance
                                    with the nondiscriminatory formula
                                    determined by the Employer.

                  2.       MATCHING CONTRIBUTION COMPUTATION PERIOD: The
                           Compensation or any dollar limitation imposed in
                           calculating the match will be based on the period
                           selected below. Matching Contributions will be
                           calculated on the following basis:

                           a. Weekly                    e. Quarterly

                           b. Bi-weekly                 f. Semi-annually

                           c. Semi-monthly              g. Annually

                           d. Monthly                   h. Payroll Based

                           The calculation of Matching Contributions based on
                           the Computation Period selected above has no
                           applicability as to when the Employer remits Matching
                           Contributions to the Trust.

                                                     Section 401(k) Plan AA #010

                                       17
<PAGE>

                  3.       LIMITATIONS ON MATCHING FORMULAS:

                           a.       ANNUALIZATION OF MATCHING CONTRIBUTIONS. The
                                    Employer elects to annualize Matching
                                    Contributions made to the Plan.

                                    IF THIS ELECTION IS NOT MADE, MATCHING
                                    CONTRIBUTIONS WILL NOT BE ANNUALIZED.

                           b.       CONTRIBUTIONS TO PARTICIPANTS WHO ARE NOT
                                    HIGHLY COMPENSATED EMPLOYEES: Contribution
                                    of the Employer's Matching Contribution will
                                    be made only to eligible Participants who
                                    are Non-Highly Compensated Employees.

                           c.       DEFERRALS WITHDRAWN PRIOR TO THE END OF THE
                                    MATCHING COMPUTATION PERIOD: Matching
                                    Contributions (whether or not Qualified)
                                    will not be made on Employee contributions
                                    withdrawn prior to the end of the [ ]
                                    Matching Computation Period, or [ ] Plan
                                    Year.

                                    If elected [ ], this requirement shall apply
                                    in the event of a withdrawal occurring as
                                    the result of a termination of employment
                                    for reasons of retirement, Disability or
                                    death.

                  4.       QUALIFIED MATCHING CONTRIBUTIONS (QMAC):

                  [ ]      a.       For purposes of the ADP or ACP Test,
                                    all Matching Contributions made to the Plan
                                    will be deemed "Qualified" for purposes of
                                    calculating the Actual Deferral Percentage
                                    and/or Actual Contribution Percentage. All
                                    Matching Contributions must be fully vested
                                    when made and are not available for
                                    in-service withdrawal.

                  [ ]      b.       For purposes of the ADP or ACP Test,
                                    only Matching Contributions made to the Plan
                                    that are needed to meet the Actual Deferral
                                    Percentage or Actual Contribution Percentage
                                    Test will be deemed "Qualified" for purposes
                                    of calculating the Actual Deferral
                                    Percentage and/or Actual Contribution
                                    Percentage. All such Matching Contributions
                                    used must be fully vested when made and are
                                    not available for in-service withdrawal.

                  5.       QUALIFIED NON-ELECTIVE CONTRIBUTIONS (QNEC):

                  [ ]      a.       For purposes of the ADP or ACP Test, all
                                    Non-Elective Contributions made to the Plan
                                    will be deemed "Qualified" for purposes of
                                    calculating the Actual Deferral Percentage
                                    and/or Actual Contribution Percentage. All
                                    Non-Elective Contributions must be fully
                                    vested when made and are not available for
                                    in-service withdrawal.

                  [ ]      b.       For purposes of the ADP or ACP Test, only
                                    the Non-Elective Contributions made to the
                                    Plan that are needed to meet the Actual
                                    Deferral Percentage or Actual Contribution
                                    Percentage Test will be deemed "Qualified"
                                    for purposes of calculating the Actual
                                    Deferral Percentage and/or Actual
                                    Contribution Percentage. All such
                                    Non-Elective Contributions used must be
                                    fully vested when made and are not available
                                    for in-service withdrawal.

         B.       QUALIFIED MATCHING (QMAC) AND QUALIFIED NON-ELECTIVE (QNEC)
                  EMPLOYER CONTRIBUTION FORMULAS:

         [ ]      1.       QMAC CONTRIBUTION FORMULA:  The Employer may
                           contribute to each eligible Participant's Qualified
                           Matching account an amount equal to (select one or
                           more of the following):

                  [ ]      a.       $________ or _______% of the Participant's
                                    Elective Deferrals.

                  [ ]      b.       $________ or _______% of the Participant's
                                    Voluntary After-tax Contributions.

                  [ ]      c.       $________ or _______% of the Participant's
                                    Required After-tax Contributions.

                                                     Section 401(k) Plan AA #010

                                       18
<PAGE>

         [X]      2.       DISCRETIONARY QMAC CONTRIBUTION FORMULA: The Employer
                           shall have the right to make a discretionary QMAC
                           contribution. The Employer's Matching Contribution
                           shall be determined by the Employer with respect to
                           each Plan Year's eligible Participants. This part of
                           the Employer's contribution shall be fully vested
                           when made.

         [X]      3.       DISCRETIONARY PERCENTAGE QNEC CONTRIBUTION FORMULA:
                           The Employer shall have the right to make a
                           discretionary QNEC contribution which shall be
                           allocated to each eligible Participant's account in
                           proportion to his or her Compensation as a percentage
                           of the Compensation of all eligible Participants.
                           This part of the Employer's contribution shall be
                           fully vested when made. This contribution will be
                           made to:

                  [ ]      a.       All eligible Participants.

                  [X]      b.       Only eligible Participants who are
                                    Non-Highly Compensated Employees.

         [X]      4.       DISCRETIONARY UNIFORM DOLLAR QNEC CONTRIBUTION
                           FORMULA: The Employer shall have the right to make a
                           discretionary QNEC contribution which shall be
                           allocated to each eligible Participant's account in a
                           uniform dollar amount to be determined by the
                           Employer and allocated in a nondiscriminatory manner.
                           This part of the Employer's contribution shall be
                           fully vested when made and not available for
                           in-service withdrawal. This contribution will be made
                           to:

                  [ ]      a.       All eligible Participants.

                  [X]      b.       Only eligible Participants who are
                                    Non-Highly Compensated Employees.

         [X]      5.       CORRECTIVE QNEC CONTRIBUTION FORMULA: The Employer
                           shall have the right to make a QNEC contribution in
                           the amount necessary to pass the ADP/ACP Test or the
                           maximum permitted under Code Section 415. This
                           contribution will be allocated to some or all
                           Non-Highly Compensated Participants designated by the
                           Plan Administrator. The allocation will be the lesser
                           of the amount required to pass the ADP/ACP Test, or
                           the maximum permitted under Code Section 415 and is
                           not available for in-service withdrawal. This part of
                           the Employer's contribution shall be fully vested
                           when made.

[ ]      C.       DISCRETIONARY EMPLOYER CONTRIBUTION - NON-INTEGRATED FORMULA:
                  The Employer shall have the right to make a discretionary
                  contribution. The Employer's contribution for the Plan Year
                  shall be made to the accounts of eligible Participants as
                  follows:

         [ ]      1.       Such contribution shall be allocated as a percentage
                           of the Employer's Net Profits.

         [ ]      2.       Such contribution shall be allocated as a percentage
                           of Compensation of eligible Participants for the Plan
                           Year.

         [ ]      3.       Such contribution shall be allocated in an amount
                           fixed by an appropriate action of the Employer as of
                           the time prescribed by law.

         [ ]      4.       Such contribution shall be allocated equally in a
                           uniform dollar amount to each eligible Participant.

         [ ]      5.       Such contribution shall be allocated in the same
                           dollar amount to each eligible Participant per Hour
                           of Service the Participant is entitled to
                           Compensation.

[ ]      D.       DISCRETIONARY EMPLOYER CONTRIBUTION - EXCESS INTEGRATED
                  ALLOCATION FORMULA: The Employer shall have the right to make
                  a discretionary contribution. The Employer's contribution for
                  the Plan Year shall be allocated to the accounts of eligible
                  Participants as follows:

                  ONLY ONE PLAN MAINTAINED BY THE EMPLOYER MAY BE INTEGRATED
                  WITH SOCIAL SECURITY. ANY PLAN UTILIZING A SAFE HARBOR FORMULA
                  PROVIDED IN SECTION VII OF THIS ADOPTION AGREEMENT MAY NOT
                  APPLY THE SAFE HARBOR CONTRIBUTION TO THE INTEGRATED
                  ALLOCATION FORMULA. IF THE PLAN IS NOT TOP-HEAVY OR IF THE
                  TOP-HEAVY MINIMUM CONTRIBUTION OR BENEFIT IS PROVIDED UNDER
                  ANOTHER PLAN COVERING THE SAME EMPLOYEES, PARAGRAPHS (1) AND
                  (2) BELOW MAY BE

                                                     Section 401(k) Plan AA #010

                                       19
<PAGE>

                  DISREGARDED AND 5.7%, 5.4% OR 4.3% MAY BE SUBSTITUTED FOR
                  2.7%, 2.4% OR 1.3% WHERE IT APPEARS IN PARAGRAPH (3) BELOW.

                  1.       Step One: To the extent contributions are sufficient,
                           all Participants will receive an allocation equal to
                           3% of their Compensation.

                  2.       Step Two: Any remaining Employer contributions will
                           be allocated up to a maximum of 3% of excess
                           Compensation of all Participants to Participants who
                           have Compensation in excess of the Integration Level
                           (excess Compensation). Each such Participant will
                           receive an allocation in the ratio that his or her
                           excess Compensation bears to the excess Compensation
                           of all Participants. If Employer contributions are
                           insufficient to fund to this level, the Employer must
                           determine the uniform allocation percentage to
                           allocate to those Participants who have Compensation
                           in excess of the Integration Level. To determine this
                           uniform allocation percentage, the Employer must take
                           the remaining contribution and divide that amount by
                           the total excess Compensation of Participants.

                  3.       Step Three: Any remaining Employer contributions will
                           be allocated to all Participants in the ratio that
                           their Compensation plus excess Compensation bears to
                           the total Compensation plus excess Compensation of
                           all Participants. Participants may only receive an
                           allocation of up to 2.7% of their Compensation plus
                           excess Compensation, under this allocation step. If
                           the Integration Level defined at Section III(E) is
                           less than or equal to the greater of $10,000 or 20%
                           of the maximum, the 2.7% need not be reduced. If the
                           amount specified is greater than the greater of
                           $10,000 or 20% of the maximum Taxable Wage Base, but
                           not more than 80%, 2.7% must be reduced to 1.3%. If
                           the amount specified is greater than 80% but less
                           than 100% of the maximum Taxable Wage Base, the 2.7%
                           must be reduced to 2.4%. If Employer contributions
                           are insufficient to fund to this level, the Employer
                           must determine the uniform allocation percentage to
                           allocate to those Participants who have Compensation
                           up to the Integration Level and excess Compensation.
                           To determine this uniform allocation percentage, the
                           Employer must take the remaining contribution and
                           divide that amount by the total Compensation
                           including excess Compensation of Participants.

                  4.       Step Four: Any remaining Employer contributions will
                           be allocated to all Participants in the ratio that
                           each Participant's Compensation bears to all
                           Participants' Compensation.

[ ]      E.       DISCRETIONARY EMPLOYER CONTRIBUTION - BASE INTEGRATED
                  ALLOCATION FORMULA: The Employer shall have the right to make
                  a discretionary contribution. To the extent that such
                  contributions are sufficient, they shall be allocated as
                  follows:

                  ________% of each eligible Participant's Compensation, plus

                  ________% of Compensation in excess of the Integration Level
                  defined at Section III(E) hereof.

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

                  ONLY ONE PLAN MAINTAINED BY THE EMPLOYER MAY BE INTEGRATED
                  WITH SOCIAL SECURITY. ANY PLAN UTILIZING A SAFE HARBOR FORMULA
                  AS PROVIDED IN SECTION VII OF THIS ADOPTION AGREEMENT MAY NOT
                  APPLY THE SAFE HARBOR CONTRIBUTIONS TO THE INTEGRATED
                  ALLOCATION FORMULA.

[ ]      F.       UNIFORM POINTS ALLOCATION FORMULA: The allocation for each
                  eligible Participant will be determined by a uniform points
                  method. Each eligible Participant's allocation shall bear the
                  same

                                                     Section 401(k) Plan AA #010

                                       20
<PAGE>

                  relationship to the Employer contribution as the Participant's
                  total points bears to all points awarded. Each eligible
                  Participant will receive _____ points for each of the
                  following:

         [ ]      1.       _____ year(s) of age.

         [ ]      2.       _____ Year(s) of Service determined:

                  [ ]      a.       In the same manner as determined for
                                    eligibility.

                  [ ]      b.       In the same manner as determined for
                                    vesting.

                  [ ]      c.       Points will not be awarded with respect to
                                    Year(s) of Service in excess of _____.

         [ ]      3.       $_________ (not to exceed $200) of Compensation.

[X]      G.       ADDITIONAL ADOPTING EMPLOYERS:

         [X]      1.       All participating Employers' contributions under
                           Section VIII entitled "Employer Contributions" above
                           and forfeitures, if applicable, attributable to each
                           specific contribution source shall be pooled together
                           and allocated uniformly among all eligible
                           Participants.

         [ ]      2.       Each participating Employer's contribution under
                           Section VIII above and forfeitures attributable to
                           each specific contribution source made by such
                           Employer shall be allocated only to eligible
                           Participants of the participating Employer.

                  WHERE CONTRIBUTIONS AND FORFEITURES ARE TO BE ALLOCATED TO
                  ELIGIBLE PARTICIPANTS BY PARTICIPATING EMPLOYERS, EACH SUCH
                  EMPLOYER MUST MAINTAIN DATA DEMONSTRATING THAT THE ALLOCATIONS
                  BY GROUP SATISFY THE NONDISCRIMINATION RULES UNDER CODE
                  SECTION 401(a)(4).

[X]      H.       MINIMUM EMPLOYER CONTRIBUTION FORMULA UNDER TOP-HEAVY PLANS:

                  For any Plan Year during which the Plan is Top-Heavy, the sum
                  of the contributions (excluding Elective Deferrals and/or
                  Matching Contributions) allocated to non-Key Employees shall
                  not be less than the amount required under the Basic Plan
                  Document #01. The eligibility of a Participant to receive
                  Top-Heavy Contributions mirrors the eligibility for any
                  contribution with the earliest Entry Date. Top-Heavy minimums
                  will be allocated to:

         [ ]      1.       all eligible Participants.

         [X]      2.       only eligible non-Key Employees who are Participants.

IX.      ALLOCATIONS TO PARTICIPANTS

         A.       THIS IS A SAFE HARBOR PLAN:

         [ ]      Employer Non-Elective and/or Matching Contributions will be
                  made to all Employees who have satisfied the Safe Harbor
                  eligibility requirements.

         B.       ALLOCATION ACCRUAL REQUIREMENTS:

                  A Year of Service for eligibility to receive an allocation of
                  Employer contributions will be determined on the basis of the:

         [ ]      1.       Elapsed Time method.

                                                     Section 401(k) Plan AA #010

                                       21
<PAGE>

         [ ]      2.       Hours of Service method. A Year of Service will
                           be credited upon completion of the requirements
                           below. A Year of Service for allocation accrual
                           purposes cannot be less than 1 Hour of Service nor
                           greater than 1,000 hours by operation of law. If left
                           blank, the Plan will use 1,000 hours. ENTER WHOLE
                           DIGIT NUMBERS ONLY.

                           a.       Active Participants:

<TABLE>
<CAPTION>
CONTRIBUTION TYPE                       HOURS OF SERVICE REQUIREMENT
--------------------------------------------------------------------
<S>                                     <C>
All contributions
Non-Safe Harbor Match Formula 1
Employer Discretionary
QNECs
QMACs
Non-Safe Harbor Match Formula 2
</TABLE>

                           b.       Terminated Participants:

<TABLE>
<CAPTION>
CONTRIBUTION TYPE                       HOURS OF SERVICE REQUIREMENT
--------------------------------------------------------------------
<S>                                     <C>
All contributions
Non-Safe Harbor Match Formula 1
Employer Discretionary
QNECs
QMACs
Non-Safe Harbor Match Formula 2
</TABLE>

         C.       ALLOCATION OF CONTRIBUTIONS TO PARTICIPANTS:

                  Employer contributions for a Plan Year will be allocated to
                  all Participants who have met the allocation accrual
                  requirements at Section IX(B) above and who have met the
                  following allocation accrual requirements (check all
                  applicable boxes):

<TABLE>
<CAPTION>
                                               Match       Match
                                             Formula 1    Formula 2     QNEC       QMAC      Discretionary
                                             ---------    ---------     ----       ----      -------------
<S>                                          <C>          <C>           <C>        <C>       <C>
1.  For Plans using the Elapsed Time
    method, contributions will be
    allocated to terminated
    Participants who have
    completed __________

    (not more than 12) months
    of Service                                   [ ]        [ ]          [ ]        [ ]           [ ]

2.  Employed on the last day
    of the Plan Year                             [ ]        [ ]          [ ]        [ ]           [ ]

3.  The Hours of Service or Period
    of Service requirement in the
    Plan Year of termination is
    waived due to:

    a.   Retirement                              [ ]        [ ]          [ ]        [ ]           [ ]

    b.   Disability                              [ ]        [ ]          [ ]        [ ]           [ ]

    c.   Death                                   [ ]        [ ]          [ ]        [ ]           [ ]

    d.   Other                                   [ ]        [ ]          [ ]        [ ]           [ ]

         _________________________*

    e.   No last day of the Plan
         Year requirement in Plan
         Year of any of the above
         events                                  [ ]        [ ]          [ ]        [ ]           [ ]
</TABLE>

                                                     Section 401(k) Plan AA #010

                                       22
<PAGE>

                  *        The event designated by the Employer may be applied
                           to all Participants in a nondiscriminatory manner.

[ ]      D.       CONTRIBUTIONS TO DISABLED PARTICIPANTS:

                  The Employer will make contributions on behalf of a
                  Participant who is permanently and totally disabled. These
                  contributions will be based on the Compensation each such
                  Participant would have received for the Limitation Year if the
                  Participant had been paid at the rate of Compensation paid
                  immediately before becoming permanently and totally disabled.
                  Such imputed Compensation for the disabled Participant may be
                  taken into account only if the Participant is not a Highly
                  Compensated Employee. These contributions will be 100% vested
                  when made.

X.       DISPOSITION OF FORFEITURES

[ ]      A.       NOT APPLICABLE.  All contributions are fully vested.

                  If (A) is selected, do not complete (B) or (C) below.

         B.       FORFEITURE ALLOCATION ALTERNATIVES:

                  Select the method in which forfeitures associated with the
                  contribution type will be allocated (number each item in order
                  of use).

<TABLE>
<CAPTION>
                                                           Employer Contribution Type
                                                           --------------------------
                                                       All Non-Safe Harbor       All Other
Disposition Method                                   Matching Contributions    Contributions
------------------                                   ----------------------    -------------
<S>                                                  <C>                       <C>
1.  Restoration of Participant's forfeitures.            1_____________         ___________

2.  Used to reduce the Employer's
    contribution under the Plan.                          _____________         ___________

3.  Used to reduce the Employer's
    Matching Contribution.                               3_____________         ___________

4.  Used to offset Plan expenses.                        2_____________         ___________

5.  Added to the Employer's contribution
    (other than Matching) under the Plan.                ______________         ___________

6.  Added to the Employer's Matching
    Contribution under the Plan.                         ______________         ___________

7.  Allocate to all Participants
    eligible to share in the
    allocations in the same proportion
    that each Participant's Compensation
    for the year bears to the
    Compensation of all other
    Participant's for such year.                         ______________         ___________

8.  Allocate to all NHCEs eligible to
    share in the allocations in
    proportion to each such
    Participant's Compensation for the
    year.                                                ______________         ___________

9.  Allocate to all NHCEs eligible to
    share in the allocations in
    proportion to each such
    Participant's Elective Deferrals for
    the year.                                            ______________         ___________

10. Allocate to all Participants
    eligible to share in the allocations
    in the same proportion that
</TABLE>

                                                     Section 401(k) Plan AA #010

                                       23
<PAGE>

<TABLE>
<S>                                                  <C>                    <C>
each  Participant's Elective
Deferrals for  the year bears to the
Elective Deferrals of all
Participants for such year.                          ______________         ___________
</TABLE>

                  Participants eligible to share in the allocation of other
                  Employer Contributions under Section VIII shall be eligible to
                  share in the allocation of forfeitures except where
                  allocations are only to Non-Highly Compensated Employees.

         C.       TIMING OF ALLOCATION OF FORFEITURES:

                  If no distribution or deemed distribution has been made to a
                  former Participant, nonvested portions shall be forfeited at
                  the end of the Plan Year during which the former Participant
                  incurs his or her fifth consecutive one-year Break in Service.

                  If a former Participant has received the full amount of his or
                  her vested interest, the nonvested portion of his or her
                  account shall be forfeited and shall be disposed of:

         [ ]      1.       during the Plan Year following the Plan Year in which
                           the forfeiture arose.

         [X]      2.       as of any Valuation or Allocation Date during the
                           Plan Year (or as soon as administratively feasible
                           following the close of the Plan Year) in which the
                           former Participant receives payment of his or her
                           vested benefit.

         [ ]      3.       at the end of the Plan Year during which the former
                           Participant incurs his or her ___________ (1st, 2nd,
                           3rd, 4th or 5th) consecutive one-year Break in
                           Service.

         [ ]      4.       as of the end of the Plan Year during which the
                           former Participant received full payment of his or
                           her vested benefit.

         [ ]      5.       as of the earlier of the first day of the Plan Year,
                           or the first day of the seventh month of the Plan
                           Year following the date on which the former
                           Participant has received full payment of his or her
                           vested benefit.

         [ ]      6.       as of the next Valuation or Allocation Date following
                           the date on which the former Participant receives
                           full payment of his or her vested benefit.

XI.      MULTIPLE PLANS MAINTAINED BY THE EMPLOYER, LIMITATIONS ON ALLOCATIONS,
         AND TOP-HEAVY CONTRIBUTIONS

         A.       PLANS MAINTAINED BY THE EMPLOYER:

         [X]      1.       This is the only Plan the Employer maintains. In
                           the event that the allocation formula results in an
                           Excess Amount, such excess, after distribution of
                           Employee contributions pursuant to paragraph 10.2 of
                           the Basic Plan Document #01, shall be:

                  [ ]      a.       Placed in a suspense account for the benefit
                                    of the Participant without the crediting of
                                    gains or losses for the benefit of the
                                    Participant.

                  [X]      b.       Reallocated as additional Employer
                                    contributions to all other Participants to
                                    the extent that they do not have any Excess
                                    Amount.

                  IF NO METHOD IS SPECIFIED, THE SUSPENSE ACCOUNT METHOD WILL BE
USED.

                                                     Section 401(k) Plan AA #010

                                       24

<PAGE>

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

                           a.       If the Participant is covered under another
                                    qualified Defined Contribution Plan
                                    maintained by the Employer, other than a
                                    Master or Prototype Plan:

                           [ ]      i.      The provisions of Article X of
                                            the Basic Plan Document #01 will
                                            apply as if the other plan were a
                                            Master or Prototype Plan.

                           [ ]      ii.     The Employer has specified
                                            below the method under which the
                                            plans will limit total Annual
                                            Additions to the Maximum Permissible
                                            Amount, and will properly reduce any
                                            Excess Amounts in a manner that
                                            precludes Employer discretion.

                                            ____________________________________
                                            ____________________________________
                                            ____________________________________

                                    EMPLOYERS WHO MAINTAINED A QUALIFIED DEFINED
                                    BENEFIT PLAN, PRIOR TO JANUARY 1, 2000,
                                    SHOULD COMPLETE SCHEDULE C TO DOCUMENT THE
                                    PREAMENDMENT OPERATION OF THE PLAN.

                           b.       Allocation of Excess Annual Additions: In
                                    the event that the allocation formula
                                    results in an Excess Amount, such excess,
                                    after distribution of Employee
                                    contributions, shall be:

                           [ ]      i.      Placed in a suspense account for the
                                            benefit of the Participant without
                                            the crediting of gains or losses for
                                            the benefit of the Participant.

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

                           IF NO METHOD IS SPECIFIED, THE SUSPENSE ACCOUNT
                           METHOD WILL BE USED.

         B.       TOP-HEAVY PROVISIONS:

                  In the event the Plan is or becomes Top-Heavy, the minimum
                  contribution or benefit required under Code Section 416
                  relating to Top-Heavy Plans shall be satisfied in the elected
                  manner:

         [X]      1.       This is the only Plan the Employer maintains or
                           ever maintained. The minimum contribution will be
                           satisfied by this Plan.

         [ ]      2.       The Employer does maintain another Defined
                           Contribution Plan. The minimum contribution will be
                           satisfied by:

                  [ ]      a.       this Plan.

                  [ ]      b.       ___________________________________________
                                    (Name of other Qualified Plan)

         [ ]      3.       The Employer maintains a Defined Benefit Plan.  A
                           method is stated below under which the minimum
                           contribution and benefit provisions of Code Section
                           416 will be satisfied.
                           ____________________________________________________
                           ____________________________________________________

                                                     Section 401(k) Plan AA #010

                                       25
<PAGE>

XII.     ANTIDISCRIMINATION TESTING

         FOR PLANS WHICH ARE BEING AMENDED AND RESTATED FOR GUST, PLEASE
         COMPLETE SCHEDULE C OUTLINING THE PREAMENDMENT OPERATION OF THE PLAN,
         AS WELL AS THIS SECTION OF THE ADOPTION AGREEMENT. THE TESTING
         ELECTIONS MADE BELOW WILL APPLY TO THE FUTURE OPERATION OF THE PLAN.

[ ]      A.       The Plan is not subject to ADP or ACP testing. The Plan
                  does not offer Voluntary After-tax or Required After-tax
                  Contributions and it either meets the Safe Harbor provisions
                  of Section VII of this Adoption Agreement, or it does not
                  benefit any Highly Compensated Employees.

[X]      B.       TESTING ELECTIONS:

         [X]      1.       This Plan is using the Prior Year testing method for
                           purposes of the ADP and ACP Tests.

         [ ]      2.       This Plan is using the Current Year testing method
                           for purposes of the ADP and ACP Tests.

                  IF NO ELECTION IS MADE, THE PLAN WILL USE THE CURRENT YEAR
                  TESTING METHOD.

                  This election cannot be rescinded for a Plan Year unless (1)
                  the Plan has been using the Current Year testing method for
                  the preceding 5 Plan Years or, if lesser, the number of Plan
                  Years the Plan has been in existence; or (2) the Plan
                  otherwise meets one of the conditions specified in IRS Notice
                  98-1 (or other superseding guidance) for changing from the
                  Current Year testing method.

                  A PROTOTYPE PLAN MUST USE THE SAME TESTING METHOD FOR BOTH THE
                  ADP AND ACP TESTS FOR PLAN YEARS BEGINNING ON OR AFTER THE
                  DATE THE EMPLOYER ADOPTS ITS GUST-RESTATED PLAN DOCUMENT.

[ ]      C.       TESTING ELECTIONS FOR THE FIRST PLAN YEAR:

                  COMPLETE ONLY WHEN PRIOR YEAR TESTING METHOD ELECTION IS MADE.

         [ ]      1.       If this is not a successor Plan, then for the first
                           Plan Year this Plan permits (a) any Participant to
                           make Employee contributions, (b) provides for
                           Matching Contributions or (c) both, the ACP used in
                           the ACP Test for Participants who are Non-Highly
                           Compensated Employees shall be such first Plan Year's
                           ACP. DO NOT SELECT THIS OPTION IF THE EMPLOYER IS
                           USING THE "DEEMED 3%" RULE.

         [ ]      2.       If this is not a successor Plan, then for the first
                           Plan Year this Plan permits any Participant to make
                           Elective Deferrals, the ADP used in the ADP Test for
                           Participants who are Non-Highly Compensated Employees
                           shall be such first Plan Year's ADP. DO NOT SELECT
                           THIS OPTION IF THE EMPLOYER IS USING THE "DEEMED 3%"
                           RULE.

[ ]      D.       RECHARACTERIZATION:

                  Elective Deferrals may be recharacterized as Voluntary
                  After-tax Contributions to satisfy the ADP Test. The Employer
                  must have elected to permit Voluntary After-tax Contributions
                  in the Plan for this election to be operable.

XIII.    VESTING

         Participants shall always have a fully vested and nonforfeitable
         interest in their Employee contributions (including Elective Deferrals,
         Required After-tax and Voluntary After-tax Contributions), Qualified
         Matching Contributions ("QMACs"), Qualified Non-Elective Contributions
         ("QNECs") or Safe Harbor Matching or Non-Elective Contributions and
         their investment earnings.

         Each Participant shall acquire a vested and nonforfeitable percentage
         in his or her account balance attributable to Employer contributions
         and their earnings under the schedule(s) selected below except in any
         Plan Year during which the Plan is determined to be Top-Heavy. In any
         Plan Year in which the Plan is Top-Heavy, the Two-twenty vesting
         schedule [option (B)(4)] or the three-year cliff schedule [option
         (B)(3)] shall automatically apply unless the Employer has already
         elected a faster vesting schedule. If the Plan is

                                                     Section 401(k) Plan AA #010

                                       26
<PAGE>

         switched to option (B)(4) or (B)(3), because of its Top-Heavy status,
         that vesting schedule will remain in effect even if the Plan later
         becomes non-Top-Heavy until the Employer executes an amendment of this
         Adoption Agreement.

         A.       VESTING COMPUTATION PERIOD:

                  A Year of Service for vesting will be determined on the basis
                  of the (choose one):

         [ ]      1.       Not applicable.  All contributions are fully vested.

         [ ]      2.       Elapsed Time method.

         [X]      3.       Hours of Service method. A Year of Service will be
                           credited upon completion of 1000 Hours of Service. A
                           Year of Service for vesting purposes will not be less
                           than 1 Hour of Service nor greater than 1,000 hours
                           by operation of law. If left blank, the Plan will use
                           1,000 hours.

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

         [ ]      4.       shall not be applicable since Participants are always
                           fully vested.

         [ ]      5.       shall not be applicable, as the Plan is using Elapsed
                           Time.

         [ ]      6.       shall commence on the date on which an Employee first
                           performs an Hour of Service for the Employer and each
                           subsequent 12-consecutive month period shall commence
                           on the anniversary thereof.

         [X]      7.       shall commence on the first day of the Plan Year
                           during which an Employee first performs an Hour of
                           Service for the Employer and each subsequent
                           12-consecutive month period shall commence on the
                           anniversary thereof.

                  For Plans not using Elapsed Time, a Participant shall receive
                  credit for a Year of Service if he or she completes the number
                  of hours specified above at any time during the 12-consecutive
                  month computation period. A Year of Service may be earned
                  prior to the end of the 12-consecutive month computation
                  period and the Participant need not be employed at the end of
                  the 12-consecutive month computation period to receive credit
                  for a Year of Service.

         B.       VESTING SCHEDULES:

                  Select the appropriate schedule for each contribution type and
                  complete any blank vesting percentages from the list below and
                  insert the option number in the vesting schedule chart below.

                                              Years of Service
                           -----------------------------------------------------
                           1        2       3       4       5       6       7
                           --       --      --      --      --      --     --

                  1.       Full and immediate Vesting

                  2.       0 % 100%

                  3.       ___% ___% 100%

                  4.       0% 20% 40% 60% 80% 100%

                  5.       ___% ___% 20% 40% 60% 80% 100%

                  6.       10% 20% 30% 40% 60% 80% 100%

                  7.       ___% ___%___%___% 100%

                  8.       ___% ___%___%___% ___% ___% 100%

                                                     Section 401(k) Plan AA #010

                                       27
<PAGE>

                  THE PERCENTAGES SELECTED FOR SCHEDULE (8) MAY NOT BE LESS FOR
ANY YEAR THAN THE PERCENTAGES SHOWN AT SCHEDULE (5).

<TABLE>
<CAPTION>
Vesting Schedule Chart         Employer Contribution Type
----------------------         --------------------------
<S>                            <C>
_________2___________          All Employer Contributions

_____________________          Safe Harbor Contributions (Matching or Non-Elective)

_________1___________          QMACs and QNECs

_____________________          Non-Safe Harbor Match - Formula 1

_____________________          Non-Safe Harbor Match - Formula 2

_____________________          Match on Voluntary After-tax Contributions

_____________________          Match on Required After-tax Contributions

_____________________          Discretionary Contributions

_________2___________          Top-Heavy Minimum Contribution

_____________________          Other Employer Contribution
</TABLE>

         C.       SERVICE DISREGARDED FOR VESTING:

         [X]      1.       Not applicable. All Service is recognized.

         [ ]      2.       Service prior to the Effective Date of this Plan
                           or a predecessor plan is disregarded when computing a
                           Participant's vested and nonforfeitable interest.

         [ ]      3.       Service prior to a Participant having attained age 18
                           is disregarded when computing a Participant's vested
                           and nonforfeitable interest.

[ ]      D.       FULL VESTING OF EMPLOYER CONTRIBUTIONS FOR CURRENT
                  PARTICIPANTS:

                  Notwithstanding the elections above, all Employer
                  contributions made to a Participant's account shall be 100%
                  fully vested if the Participant is employed on the Effective
                  Date of the Plan (or such other date as entered herein):_____.

XIV.     SERVICE WITH PREDECESSOR ORGANIZATION

                  [ ]      A.       Not applicable.  The Plan does not recognize
                                    Service with any predecessor organization.

                  [X]      B.       The Plan recognizes Service with all
                                    predecessor organizations.

                  [ ]      C.       Service with the following organization(s)
                                    will be recognized for the Plan purpose
                                    indicated:

<TABLE>
<CAPTION>
                                                       Allocation
                                          Eligibility   Accrual     Vesting
                                          -----------   -------     -------
<S>                                       <C>          <C>          <C>
___________________________                   [ ]         [ ]         [ ]
___________________________                   [ ]         [ ]         [ ]
</TABLE>

                  Attach additional pages as necessary.

XV.      IN-SERVICE WITHDRAWALS

         A.       IN-SERVICE WITHDRAWALS:

         [ ]      1.       In-service withdrawals are not permitted in the Plan.

                                                     Section 401(k) Plan AA #010

                                       28
<PAGE>

         [X]      2.       In-service withdrawals are permitted in the Plan.
                           Participants may withdraw the following contribution
                           types after meeting the following requirements
                           (select one or more of the following options):

<TABLE>
<CAPTION>
                                               WITHDRAWAL RESTRICTIONS
CONTRIBUTION TYPES             A        B        C        D       E        F        G
------------------             -------------------------------------------------------
<S>                           <C>      <C>      <C>      <C>     <C>      <C>      <C>
a.  All Contributions         [ ]      n/a      n/a      [ ]     [X]      n/a      n/a

b.  Voluntary After-tax       [ ]      [ ]      [ ]      [ ]     [ ]      [ ]      n/a

c.  Required After-tax        [ ]      [ ]      [ ]      [ ]     [ ]      [ ]      n/a

d.  Rollover                  [ ]      [ ]      [ ]      [ ]     [ ]      [ ]      n/a

e.  Transfer                  [ ]      [ ]      [ ]      [ ]     [ ]      [ ]      [ ]

f.  Elective Deferrals        [ ]      n/a      n/a      [ ]     [ ]      n/a      n/a

g.  Qualified Non-Elective    [ ]      n/a      n/a      [ ]     [ ]      n/a      n/a

h.  Qualified Matching        [ ]      n/a      n/a      [ ]     [ ]      n/a      n/a

i.  Safe Harbor Matching      [ ]      n/a      n/a      [ ]     [ ]      n/a      n/a

j.  Safe Harbor Non-
    Elective                  [ ]      n/a      n/a      [ ]     [ ]      n/a      n/a

k.  Vested Non-Safe Harbor
    Matching Formula 1        [ ]      [ ]      [ ]      [ ]     [ ]       [ ]     [ ]

l.  Vested Non-Safe Harbor
    Matching Formula 2        [ ]      [ ]      [ ]      [ ]     [ ]       [ ]     [ ]

m.  Vested Discretionary      [ ]      [ ]      [ ]      [ ]     [ ]       [ ]     [ ]
</TABLE>

                           WITHDRAWAL RESTRICTION KEY

                           A.       Not available for in-service withdrawals.

                           B.       Available for in-service withdrawals.

                           C.       Participants having completed five years of
                                    Plan participation may elect to withdraw all
                                    or any part of their Vested Account Balance.

                           D.       Participants may withdraw all or any part of
                                    their Account Balance after having attained
                                    the Plan's Normal Retirement Age.

                           E.       Participants may withdraw all or any part of
                                    their Vested Account Balance after having
                                    attained age 59.5 (not less than age
                                    59 1/2).

                           F.       Participants may elect to withdraw all or
                                    any part of their Vested Account Balance
                                    which has been credited to their account for
                                    a period in excess of two years.

                           G.       Available for withdrawal only if the
                                    Participant is 100% vested.

         B.       HARDSHIP WITHDRAWALS:

         [ ]      1.       Hardship withdrawals are not permitted in the Plan.

         [X]      2.       Hardship withdrawals are permitted in the Plan and
                           will be taken from the Participant's account as
                           follows (select one or more of these options):

                                                     Section 401(k) Plan AA #010

                                       29
<PAGE>

                  [X]      a.       Participants may withdraw Elective
                                    Deferrals.

                  [ ]      b.       Participants may withdraw Elective Deferrals
                                    and any earnings credited as of December 31,
                                    1988 (or if later, the end of the last Plan
                                    Year ending before July 1, 1989).

                  [X]      c.       Participants may withdraw Rollover
                                    Contributions plus their earnings.

                  [X]      d.       Participants may withdraw Transfer
                                    Contributions plus their earnings.

                  [ ]      e.       Participants may withdraw fully vested
                                    Employer contributions plus their earnings.

                  [X]      f.       Participants may withdraw vested Non-Safe
                                    Harbor Matching Formula 1 Contributions plus
                                    their earnings.

                  [ ]      g.       Participants may withdraw vested Non-Safe
                                    Harbor Matching Formula 2 Contributions plus
                                    their earnings.

                  [X]      h.       Participants may withdraw Qualified
                                    Matching Contributions and Qualified
                                    Non-Elective Contributions plus their
                                    earnings, and the earnings on Elective
                                    Deferrals which have been credited to the
                                    Participant's account as of December 31,
                                    1988 (or if later, the end of the last Plan
                                    Year ending before July 1, 1989).

XVI.     LOAN PROVISIONS

[X]      A.       Participant loans are permitted in accordance with the
                  Employer's established loan procedures.

[X]      B.       Loan payments will be suspended under the Plan as permitted
                  under Code Section 414(u) in compliance with the Uniformed
                  Services Employment and Reemployment Rights Act of 1994.

XVII.    INVESTMENT MANAGEMENT

         A.       INVESTMENT MANAGEMENT RESPONSIBILITY:

         [ ]      1.       The Employer shall appoint a discretionary Trustee to
                           manage the assets of the Plan.

         [ ]      2.       The Employer shall retain investment management
                           responsibility and/or authority.

         [X]      3.       The party designated below shall be responsible for
                           the investment of the Participant's account.

                           By selecting a box, the Employer is making a
                           designation as to whom will have authority to issue
                           investment directives with respect to the specified
                           contribution type (check all applicable boxes):

<TABLE>
<CAPTION>
                                            Trustee        Employer      Participant
                                            -------        --------      -----------
<S>                                         <C>            <C>           <C>
a. All Contributions                          n/a            n/a             [X]

b. Employer Contributions                     [ ]            [ ]             [ ]

c. Elective Deferrals                         [ ]            [ ]             [ ]

d. Voluntary After-tax                        [ ]            [ ]             [ ]

e. Required After-tax                         [ ]            [ ]             [ ]
</TABLE>

                                                     Section 401(k) Plan AA #010

                                       30
<PAGE>

<TABLE>
<S>                                           <C>            <C>             <C>
f. Safe Harbor Contributions                  [ ]            [ ]             [ ]

g. Non-Safe Harbor Match Formula 1            [ ]            [ ]             [ ]

h. QMACs                                      [ ]            [ ]             [ ]

i. QNECs                                      [ ]            [ ]             [ ]

j. Non-Safe Harbor Match Formula 2            [ ]            [ ]             [ ]

k. Rollover Contributions                     [ ]            [ ]             [ ]

l. Transfer Contributions                     [ ]            [ ]             [ ]
</TABLE>

                  TO THE EXTENT THAT PARTICIPANT SELF-DIRECTION WAS PREVIOUSLY
                  PERMITTED, THE EMPLOYER SHALL HAVE THE RIGHT TO EITHER MAKE
                  THE ASSETS PART OF THE GENERAL FUND, OR LEAVE THEM AS
                  SELF-DIRECTED SUBJECT TO THE PROVISIONS OF THE BASIC PLAN
                  DOCUMENT #01.

         B.       LIMITATIONS ON PARTICIPANT DIRECTED INVESTMENTS:

         [X]      1.       Participants are permitted to invest among only
                           those investment alternatives made available by the
                           Employer under the Plan.

         [ ]      2.       Participants are permitted to invest in any
                           investment alternative permitted under the Basic Plan
                           Document #01.

[ ]      C.       INSURANCE:

                  The Plan permits insurance as an investment alternative.

[X]      D.       ERISA SECTION 404(c):

                  The Employer intends to be covered by the fiduciary liability
                  provisions with respect to Participant directed investments
                  under ERISA Section 404(c).

XVIII.   DISTRIBUTION OPTIONS

         A.       TIMING OF DISTRIBUTIONS [BOTH (1) AND (2) MUST BE COMPLETED]:

                  1.       Distributions payable as a result of termination for
                           reasons other than death, Disability or retirement
                           shall be paid A [select from the list at (A)(3)
                           below].

                  2.       Distributions payable as a result of termination for
                           death, Disability or retirement shall be paid A
                           [select from the list at (A)(3) below].

                  3.       Distribution Options:

                           a.       As soon as administratively feasible on or
                                    after the Valuation Date following the date
                                    on which a distribution is requested or is
                                    otherwise payable.

                           b.       As soon as administratively feasible
                                    following the close of the Plan Year during
                                    which a distribution is requested or is
                                    otherwise payable.

                           c.       As soon as administratively feasible
                                    following the date on which a distribution
                                    is requested or is otherwise payable. (This
                                    option is recommended for daily valuation
                                    plans.)

                           d.       As soon as administratively feasible after
                                    the close of the Plan Year during which the
                                    Participant incurs ___________ (cannot be
                                    more than 5) consecutive one-year Breaks in
                                    Service. [This formula can only be used in
                                    (A)(1).]

                                                     Section 401(k) Plan AA #010

                                       31
<PAGE>

                           e.       As soon as administratively feasible after
                                    the close of the Plan Year during which the
                                    Participant incurs ___________ (cannot be
                                    more than 5) consecutive one-year Breaks in
                                    Service. [This formula can only be used in
                                    (A)(2).]

                           f.       Only after the Participant has attained the
                                    Plan's Normal Retirement Age or Early
                                    Retirement Age, if applicable.

         B.       REQUIRED BEGINNING DATE:

                  The Required Beginning Date of a Participant with respect to a
                  Plan is (select one from below):

         [ ]      1.       The April 1 of the calendar year following the
                           calendar year in which the Participant attains age
                           70 1/2.

         [ ]      2.       The April 1 of the calendar year following the
                           calendar year in which the Participant attains age
                           70 1/2 except that distributions to a Participant
                           (other than a 5% owner) with respect to benefits
                           accrued after the later of the adoption of this Plan
                           or Effective Date of the amendment of this Plan must
                           commence no later than the April 1 of the calendar
                           year following the later of the calendar year in
                           which the Participant attains age 70 1/2 or the
                           calendar year in which the Participant retires.

         [X]      3.       The later of the April 1 of the calendar year
                           following the calendar year in which the Participant
                           attains age 70 1/2 or retires except that
                           distributions to a 5% owner must commence by the
                           April 1 of the calendar year following the calendar
                           year in which the Participant attains age 70 1/2.

                           Except that such Participant [X] may [ ] may not
                           elect to begin receiving distributions as of April 1
                           of the calendar year following the calendar year in
                           which the Participant attains age 70 1/2. Any
                           distributions made pursuant to such an election will
                           not be considered required minimum distributions.
                           Such distributions will be considered in-service
                           distributions and as such, will be subject to
                           applicable withholding.

                  PLANS WHICH ARE AN AMENDMENT OR RESTATEMENT OF AN EXISTING
                  PLAN WHICH PROVIDED FOR THE PROVISIONS OF CODE SECTION
                  401(a)(9) CURRENTLY IN EFFECT PRIOR TO THE AMENDMENT OF THE
                  SMALL BUSINESS JOB PROTECTION ACT OF 1996 MUST COMPLETE
                  SCHEDULE C.

         C.       FORMS OF PAYMENT (SELECT ALL THAT APPLY):

         [X]      1.       Lump sum.

         [X]      2.       Installment payments.

         [ ]      3.       Partial payments; the minimum amount will be
                           $___________.

         [ ]      4.       Life annuity.

         [ ]      5.       Term certain annuity with payments guaranteed for
                           ___________ years (not to exceed 20).

         [ ]      6        Joint and [ ] 50%, [ ] 6-2/3%, [ ] 75% or [ ] 100%
                           survivor annuity.

         [ ]      7.       The default form of payment will be a direct rollover
                           into an individual retirement account or annuity for
                           any "cash out" distribution made pursuant to Code
                           Sections 411(a)(7), 411(a)(11) and 417(e)(1).

         [X]      8.       Cash.

         [ ]      9.       Employer securities.

         [ ]      10.      Other marketable securities.

                  THE NORMAL FORM OF PAYMENT IS DETERMINED AT SECTION III(J) OF
                  THIS ADOPTION AGREEMENT.

                                                     Section 401(k) Plan AA #010
                                       32
<PAGE>

         D.       RECALCULATION OF LIFE EXPECTANCY:

         [ ]      1.       Recalculation is not permitted.

         [X]      2.       Recalculation is permitted. When determining
                           installment payments in satisfying the minimum
                           distribution requirements under the Plan, and life
                           expectancy is being recalculated:

                  [ ]      a.       only the Participant's life expectancy shall
                                    be recalculated.

                  [X]      b.       both the Participant's and Spouse's life
                                    expectancy shall be recalculated.

                  [ ]      c.       the Participant will determine whose life
                                    expectancy is recalculated.

XIX.     SPONSOR INFORMATION AND ACCEPTANCE

         This Plan may not be used and shall not be deemed to be a Prototype
         Plan unless an authorized representative of the Sponsor has
         acknowledged the use of the Plan. Such acknowledgment that the Employer
         is using the Plan does not represent that the Adoption Agreement (as
         completed) and Basic Plan Document have been reviewed by a
         representative of the Sponsor or constitute a qualified retirement
         plan.

         Acknowledged and accepted by the Sponsor this 4th day of December,
         2002.

         Name:             U.S. Bank, N.A.

         Title:            Account Manager

         Signature:        /s/ Sherry Glanville

         Questions concerning the language contained in and qualification of the
         Prototype should be addressed to: U.S. Bank, N.A.

         (Position): ACCOUNT MANAGER        (Phone Number): 503-275-4637

         In the event that the Sponsor amends, discontinues or abandons this
         Prototype Plan, notification will be provided to the Employer's address
         provided on the first page of this Adoption Agreement.

                                                     Section 401(k) Plan AA #010
                                       33
<PAGE>

XX.      SIGNATURES

         THE SPONSOR RECOMMENDS THAT THE EMPLOYER CONSULT WITH ITS LEGAL COUNSEL
         AND/OR TAX ADVISOR BEFORE EXECUTING THIS ADOPTION AGREEMENT. THE
         EMPLOYER UNDERSTANDS THAT ITS FAILURE TO PROPERLY COMPLETE OR AMEND
         THIS ADOPTION AGREEMENT MAY RESULT IN FAILURE OF THE PLAN TO QUALIFY OR
         DISQUALIFICATION OF THE PLAN. THE EMPLOYER BY EXECUTING THIS ADOPTION
         AGREEMENT ACKNOWLEDGES THAT THIS IS A LEGAL DOCUMENT WITH SIGNIFICANT
         TAX AND LEGAL RAMIFICATIONS.

         A.       EMPLOYER:

                  This Adoption Agreement and the corresponding provisions of
                  Basic Plan Document #01 are adopted by the Employer this 6th
                  day of December, 2002.

                  Name of Employer:                          JDA Software, Inc.

                  Executed on behalf of the Employer by:     Margie Jones

                  Title:                                     Benefits Manager

                  Signature:                                 /s/ Margie Jones

                  PARTICIPATING EMPLOYER:

                  Name and address of any Participating Employer.

                  LIOCS CORPORATION
                  801 WARRENVILLE RD, STE 500
                  LISLE, IL 60532

                  This Adoption Agreement and the corresponding provisions of
                  Basic Plan Document #01 are adopted by the Participating
                  Employer this__________ day of _____________________,
                  ___________.

                  Executed on behalf of the
                  Participating Employer by:         ___________________________

                  Title:                             ___________________________

                  Signature:                         ___________________________

                  Attach additional signature pages as necessary.

                  EMPLOYER'S RELIANCE: The adopting Employer may rely on an
                  Opinion Letter issued by the Internal Revenue Service as
                  evidence that the Plan is qualified under Section 401 of the
                  Internal Revenue Code only to the extent provided in
                  Announcement 2001-77, 2001-30 I.R.B. The Employer may not rely
                  on the Opinion Letter in certain other circumstances or with
                  respect to certain qualification requirements, which are
                  specified in the Opinion Letter issued with respect to the
                  Plan and in Announcement 2001-77. In order to obtain reliance
                  in such circumstances or with respect to such qualification
                  requirements, application for a determination letter must be
                  made to Employee Plans Determinations of the Internal Revenue
                  Service.

                  This Adoption Agreement may only be used in conjunction with
                  Basic Plan Document #01.

                                                     Section 401(k) Plan AA #010

                                       34
<PAGE>

         B.       TRUSTEE:

                  Trust Agreement:

                  [ ]      Not applicable. Plan assets will be invested in
                           Group Annuity Contracts. There is no Trustee and the
                           terms of the contract(s) will apply.

                  [X]      The Trust provisions used will be as contained in the
                           Basic Plan Document #01.

                  [ ]      The Trust provisions used will be as contained in
                           the accompanying executed Trust Agreement between the
                           Employer and the Trustee attached hereto.

                  Complete the remainder of this section only if the Trust
                  provisions used are as contained in the Basic Plan Document
                  #01.

                  Name and address of Trustee:

                  U. S. BANK, N. A.
                  425 WALNUT ST
                  CINCINNATI, OH 45201

                  The assets of the Plan shall be invested in accordance with
                  Article XIII of the Basic Plan Document #01. The Employer's
                  Plan and Trust as contained herein is accepted by the Trustee
                  this 4th day of December, 2002.

                  Accepted on behalf of the Trustee by:   Sherry Glanville

                  Title:                                  Vice President

                  Signature:                              /s/ Sherry Glanville

                  Accepted on behalf of the Trustee by:  _______________________

                  Title:                                 _______________________

                  Signature:                             _______________________

                  Accepted on behalf of the Trustee by:  _______________________

                  Title:                                 _______________________

                  Signature:                             _______________________

                                                     Section 401(k) Plan AA #010

                                       35
<PAGE>

         C.       CUSTODIAN:

                  Custodial Agreement:

                  [X]      Not applicable. There is no Custodian.

                  [ ]      Not applicable. Plan assets will be invested in
                           Group Annuity Contracts. There is no Custodian and
                           the terms of the contract(s) will apply.

                  [ ]      The Custodial provisions used will be as contained in
                           Basic Plan Document #01.

                  [ ]      The Custodial provisions used will be as contained in
                           the accompanying executed Custodial Agreement between
                           the Employer and the Custodian attached hereto.

                  Complete the remainder of this section only if the Custodial
                  provisions used are as contained in the Basic Plan Document
                  #01.

                  Name and address of Custodian:

                  ______________________________________________________________
                  ______________________________________________________________
                  ______________________________________________________________
                  ______________________________________________________________

                  The assets of the Plan shall be invested in accordance with
                  Article XIII of the Basic Plan Document #01. The Employer's
                  Plan and Custodial Account as contained herein are accepted by
                  the Custodian this __________ day of ____________________,
                  _____________.

                  Accepted on behalf of the Custodian by: ______________________

                  Title:                                  ______________________

                  Signature:                              ______________________

                                                     Section 401(k) Plan AA #010

                                       36
<PAGE>

                                   SCHEDULE A

                               PROTECTED BENEFITS

This Schedule includes any prior Plan protected benefits which are not available
in Basic Plan Document #01. Complete as applicable.

1.       PLAN PROVISION:

         PARTICIPANTS IN THE LIOCS CORPORATION PROFIT SHARING PLAN PRIOR TO
         DECEMBER 31, 1997 HAVE A NORMAL RETIREMENT AGE OF THE EARLIER OF AGE 55
         AND 5 YEARS OF PLAN PARTICIPATION OR AGE 59.5

         EFFECTIVE DATE:______________________________________

2.       PLAN PROVISION:

         _______________________________________________________________________
         _______________________________________________________________________
         _______________________________________________________________________
         _______________________________________________________________________

         EFFECTIVE DATE:______________________________________

3.       PLAN PROVISION:

         _______________________________________________________________________
         _______________________________________________________________________
         _______________________________________________________________________
         _______________________________________________________________________

         EFFECTIVE DATE:______________________________________

4.       PLAN PROVISION:

         _______________________________________________________________________
         _______________________________________________________________________
         _______________________________________________________________________
         _______________________________________________________________________

         EFFECTIVE DATE:______________________________________

5.       PLAN PROVISION:

         _______________________________________________________________________
         _______________________________________________________________________
         _______________________________________________________________________
         _______________________________________________________________________

         EFFECTIVE DATE:______________________________________

                                                     Section 401(k) Plan AA #010

                                       37
<PAGE>

                                   SCHEDULE B

                              PRIOR PLAN PROVISIONS

This Schedule should be used if a prior plan contains provisions not found in
Basic Plan Document #01, or where the Employer wishes to document transactions
or historical provisions of the Employer's Plan.

1.       PLAN PROVISION:

         _______________________________________________________________________
         _______________________________________________________________________
         _______________________________________________________________________
         _______________________________________________________________________

         EFFECTIVE DATE:______________________________________

2.       PLAN PROVISION:

         _______________________________________________________________________
         _______________________________________________________________________
         _______________________________________________________________________
         _______________________________________________________________________

         EFFECTIVE DATE:______________________________________

3.       PLAN PROVISION:

         _______________________________________________________________________
         _______________________________________________________________________
         _______________________________________________________________________
         _______________________________________________________________________

         EFFECTIVE DATE:______________________________________

4.       PLAN PROVISION:

         _______________________________________________________________________
         _______________________________________________________________________
         _______________________________________________________________________
         _______________________________________________________________________

         EFFECTIVE DATE:______________________________________

5.       PLAN PROVISION:

         _______________________________________________________________________
         _______________________________________________________________________
         _______________________________________________________________________
         _______________________________________________________________________

         EFFECTIVE DATE:______________________________________

                                                     Section 401(k) Plan AA #010

                                       38
<PAGE>

                                   SCHEDULE C

                       PREAMENDMENT OPERATION OF THE PLAN

The following are the adopting Employer's elective Plan provisions which conform
the terms of this Prototype Plan to the preamendment operation of the Plan
during the transition period between the earliest effective date under GUST (as
defined below) and the effective date of adoption of this Prototype Plan and
Trust which takes into account all of the changes in the qualification
requirements made by the following: The Uruguay Round Agreements, Pub. L.
103-465 (GATT); The Uniformed Services Employment and Reemployment Rights Act of
1994, Pub. L. 103-353 (USERRA); The Small Business Job Protection Act of 1996,
Pub. L. 104-188 (SBJPA) [including Section 414(u) of the Internal Revenue Code];
The Taxpayer Relief Act of 1997, Pub. L. 105-34 (TRA'97); and The Internal
Revenue Service Restructuring and Reform Act of 1998, Pub. L. 105-206 (IRSRRA);
and The Community Renewal Tax Relief Act of 2000, Pub. L. 106-554 (CRA),
hereinafter referred to collectively as GUST.

Complete as applicable and appropriate.

I.       PLAN PROVISION:   HIGHLY COMPENSATED EMPLOYEES

         For Plan Years beginning after 1996, the Employer may elect a "Top-Paid
         Group" election and the Calendar Year Data election to determine the
         definition of Highly Compensated Employee:

         [X]      A.       Top-Paid Group Election: A Participant (who is not
                           a 5% owner at any time during the determination year
                           or the look-back year) who earned more than $80,000
                           as indexed for the look-back year is a Highly
                           Compensated Employee if the Employee was in the
                           Top-Paid Group for the look-back year. The election
                           was applicable for:

                           [X]      1.      1997 Plan Year.
                           [X]      2.      1998 Plan Year.
                           [X]      3.      1999 Plan Year.
                           [X]      4.      2000 Plan Year.
                           [X]      5.      2001 Plan Year.
                           [ ]      6.      2002 Plan Year.

         [ ]      B.       Calendar Year Data Election:  In determining who is a
                           Highly Compensated Employee (other than a 5% owner)
                           the Employer makes a calendar year data election. The
                           look-back year is the calendar year beginning with or
                           within the look-back year. The election was
                           applicable for:

                           [ ]      1.      1998 Plan Year.
                           [ ]      2.      1999 Plan Year.
                           [ ]      3.      2000 Plan Year.
                           [ ]      4.      2001 Plan Year.
                           [ ]      5.      2002 Plan Year.

                  If the elections above are made, such election shall apply to
                  all Plans maintained by the Employer.

         [ ]      C.       Calendar Year Calculation Election (for 1997 Plan
                           Year only): Indicate below whether the Calendar Year
                           calculation election was made for Plan Years
                           beginning in 1997:

                           [ ]      Yes              [ ]      No

II.      PLAN PROVISION:   FAMILY AGGREGATION

         Did the Pre-SBJPA Family Aggregation rules of Code Sections
         401(a)(17)(a) and 414(q)(6), both in effect for Plan Years beginning
         before January 1, 1997, continue to apply for any purpose for Plan
         Years beginning after 1996?

         [X]      No

                                                     Section 401(k) Plan AA #010
                                       39
<PAGE>

         [ ]      Yes; explain the application:_________________________________
                  ______________________________________________________________
                  ______________________________________________________________

                  If this rule was subsequently discontinued, indicate when rule
                  no longer applied:

                  ______________________________________________________________
                  ______________________________________________________________

         EMPLOYERS WHO ADOPT THIS PROTOTYPE PLAN MAY NOT ELECT TO CONTINUE TO
         APPLY THE PRE-SBJA FAMILY AGGREGATION RULES.

III.     PLAN PROVISION: COMBINED PLAN LIMIT OF CODE SECTION 415(e)

         Did the Employer maintain a Defined Benefit Plan prior to January 1,
         2000?

         [ ]      Yes               [X]     No

         Did the Plan continue to apply the combined Plan limit of Code Section
         415(e) (as in effect for Limitation Years beginning before January 1,
         2000) in limitation years beginning after December 31, 1999, to the
         extent that such election conforms to the Plan's operation?

         [ ]      Yes               [ ]     No

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

         _______________________________________________________________________
         _______________________________________________________________________
         _______________________________________________________________________
         _______________________________________________________________________

         EMPLOYERS WHO ADOPT THIS PROTOTYPE PLAN MAY NOT ELECT TO CONTINUE TO
         APPLY THE COMBINED PLAN LIMIT OF CODE SECTION 415(e) IN YEARS BEGINNING
         AFTER THE DATE THE EMPLOYER ADOPTS ITS GUST-RELATED PLAN.

IV.      PLAN PROVISION:  NONDISCRIMINATION TESTING

         The Small Business Job Protection Act permits the Employer to use the
         ADP and/or ACP of Non-Highly Compensated Employees for the prior year
         or current year in determining whether the plan satisfied the
         nondiscrimination tests.

         Employers who adopt this Prototype Plan must use the same testing
         method for both the ADP and ACP tests for Plan Years beginning on or
         after the date the Employer adopts this GUST-restated Plan. This
         restriction does not apply with respect to Plan Years beginning before
         the date the Employer adopts this GUST-restated plan.

1.       ADP TESTING ELECTION:

         [ ]      a.       Current year data for all Participants was used.

                           [ ]      1.      1997 Plan Year.
                           [ ]      2.      1998 Plan Year.
                           [ ]      3.      1999 Plan Year.
                           [ ]      4.      2000 Plan Year.
                           [ ]      5.      2001 Plan Year.
                           [ ]      6.      2002 Plan Year.

         [X]      b.       Prior year data for Participants who are Non-Highly
                           Compensated Employees was used.

                           [ ]      1.      1997 Plan Year.
                           [ ]      2.      1998 Plan Year.

                                                     Section 401(k) Plan AA #010

                                       40
<PAGE>

                           [X]      3.      1999 Plan Year.
                           [X]      4.      2000 Plan Year.
                           [X]      5.      2001 Plan Year.
                           [ ]      6.      2002 Plan Year.

         2.       ACP TESTING ELECTION:

         [ ]      a.       Current year data for all Participants was used.

                           [ ]      1.      1997 Plan Year.
                           [ ]      2.      1998 Plan Year.
                           [ ]      3.      1999 Plan Year.
                           [ ]      4.      2000 Plan Year.
                           [ ]      5.      2001 Plan Year.
                           [ ]      6.      2002 Plan Year.

         [X]      b.       Prior year data for Participants who are Non-Highly
                           Compensated Employees was used.

                           [ ]      1.      1997 Plan Year.
                           [ ]      2.      1998 Plan Year.
                           [X]      3.      1999 Plan Year.
                           [X]      4.      2000 Plan Year.
                           [X]      5.      2001 Plan Year.
                           [ ]      6.      2002 Plan Year.

V.       PLAN PROVISION:   FIRST PLAN YEAR TESTING ELECTIONS

         For a new 401(k) Plan, the Employer could use either the current or
         prior year testing methods as well as a rule that deems the prior year
         ADP/ACP to be 3%.

         1.       ADP TESTING ELECTION:

         [ ]      a.       Current year data for all Participants was used.

                           [ ]      1.      1997 Plan Year.
                           [ ]      2.      1998 Plan Year.
                           [ ]      3.      1999 Plan Year.
                           [ ]      4.      2000 Plan Year.
                           [ ]      5.      2001 Plan Year.
                           [ ]      6.      2002 Plan Year.

         [ ]      b.       Current year data for Participants who are Highly
                           Compensated Employees will be used. The ADP for
                           Participants who are Non-Highly Compensated Employees
                           was assumed to be 3% or the actual ADP if greater.

                           [ ]      1.      1997 Plan Year.
                           [ ]      2.      1998 Plan Year.
                           [ ]      3.      1999 Plan Year.
                           [ ]      4.      2000 Plan Year.
                           [ ]      5.      2001 Plan Year.
                           [ ]      6.      2002 Plan Year.

         2.       ACP TESTING ELECTION:

         [ ]      a.       Current year data for all Participants was used.

                           [ ]      1.      1997 Plan Year.
                           [ ]      2.      1998 Plan Year.
                           [ ]      3.      1999 Plan Year.
                           [ ]      4.      2000 Plan Year.
                           [ ]      5.      2001 Plan Year.

                                                     Section 401(k) Plan AA #010

                                       41
<PAGE>

                           [ ]      6.      2002 Plan Year.

         [ ]      b.       Current year data for Participants who are Highly
                           Compensated Employees will be used. The ACP for
                           Participants who are Non-Highly Compensated Employees
                           was assumed to be 3% or the actual ACP if greater.

                           [ ]      1.      1997 Plan Year.
                           [ ]      2.      1998 Plan Year.
                           [ ]      3.      1999 Plan Year.
                           [ ]      4.      2000 Plan Year.
                           [ ]      5.      2001 Plan Year.
                           [ ]      6.      2002 Plan Year.

VI.      PLAN PROVISION: DISTRIBUTION ALTERNATIVES FOR PARTICIPANTS WHO ARE NOT
         A MORE THAN 5% OWNER

         Select (A), (B), (C) and/or (D), whichever is applicable. Subsection
         (D) must be selected to the extent that there would otherwise be an
         elimination of a pre-retirement age 70 1/2 distribution option for
         Employees other than those listed above.

         [ ]      A.       Any Participant who has not had a separation
                           from Service who had attained age 70 1/2 in years
                           after 1995 may elect by April 1 of the calendar year
                           following the calendar year in which the Participant
                           attained age 70 1/2 (or by December 31, 1997, in the
                           case of a Participant attaining age 70 1/2 in 1996)
                           to defer distributions until the calendar year in
                           which the Participant retires. If no such election is
                           made, the Participant will begin receiving
                           distributions by the April 1 of the calendar year
                           following the calendar year in which the Participant
                           attained age 70 1/2 (or by December 31, 1997, in the
                           case of a Participant attaining age 70 1/2 in 1996).

         [ ]      B.       Any Participant who has not had a separation
                           from Service and is currently in benefit payment
                           status because of attainment of age 70 1/2 in years
                           prior to 1997 may elect to stop distributions and
                           recommence by the April 1 of the calendar year
                           following the calendar year in which the Participant
                           retires. There is either (select one):

                           [ ]      1.      a new Annuity Starting Date upon
                                            recommencement, or

                           [ ]      2.      no new Annuity Starting Date upon
                                            recommencement.

         [ ]      C.       Any Participant who has not had a separation
                           from Service, and is currently in benefit payment
                           status because of attainment of age 70 1/2 in 1997 or
                           in a later year (or attained age 70 1/2 in 1996, but
                           had not commenced required minimum distributions in
                           1996) may elect to stop distributions and recommence
                           by the April 1 of the calendar year following the
                           calendar year in which the Participant retires. There
                           is either (select one):

                           [ ]      1.      a new Annuity Starting Date upon
                                            recommencement, or

                           [ ]      2.      no new Annuity Starting Date upon
                                            recommencement.

         [ ]      D.       The pre-retirement distribution option is only
                           eliminated with respect to Employees who reach age
                           70 1/2 in or after a calendar year that begins after
                           the later of December 31, 1998, or the adoption of
                           the amendment to the Plan. The pre-retirement age
                           70 1/2 distribution option is an optional form of
                           benefit under which benefits are payable in a
                           particular distribution form (including any
                           modifications that may be elected after benefit
                           commencement) and commencing at a time during the
                           period that begins on or after January 1 of the
                           calendar year following the calendar year in which an
                           Employee attains age 70 1/2 and ends April 1 of the
                           immediately following calendar year.

VII.     PLAN PROVISION:   MANDATORY CASH-OUT RULE

         [X]      For Plan Years beginning after August 5, 1997, the $3,500
                  cash-out limit is increased to $5,000.

                                                     Section 401(k) Plan AA #010

                                       42
<PAGE>

VIII.    PLAN PROVISION:   30-DAY WAIVER PERIOD

         For Plan Years beginning after December 31, 1996, if the Plan is
         subject to the Joint and Survivor rules did the Plan provide
         distributions prior to the expiration of the 30-day waiting period?

         [ ]      Yes               [ ]     No

IX.      PLAN PROVISION:   SUSPENSION OF LOAN REPAYMENTS

         On or after December 12, 1994, did the Employer permit the suspension
         of loan repayments due to qualified military leave?

         [X] Yes  [ ] No

         Effective Date: 12/12/1994

X.       PLAN PROVISION: HARDSHIP DISTRIBUTIONS TREATED AS ELIGIBLE ROLLOVER
         DISTRIBUTIONS

         The Employer had the option with respect to Hardship distributions made
         after December 31, 1998 to treat as eligible rollover distributions, or
         to delay the Effective Date until January 1, 2000. Hardship
         distributions were not treated as eligible rollover distributions
         effective as of:

         [ ]      January 1, 1999
         [X]      January 1, 2000
         [ ]      Other (specify date):  ______________________________________

XI.      PLAN PROVISION:   401(k) SAFE HARBOR PROVISIONS

         For Plan Years beginning after 1998, the Employer may implement safe
         harbor provisions under Code Sections 401(m)(11) and 401(k)(12). Did
         the Plan elect safe harbor status?

                  [ ]      Yes

                  [X]      No

         If yes, enter the formulas below:

<TABLE>
<CAPTION>
DATE PLAN YEAR BEGINS              SECTION 401(k)       SECTION 401(m)
----------------------------------------------------------------------
<S>                                <C>                  <C>
  ______/_______/99

  ______/_______/00

  ______/_______/01

  ______/_______/02
</TABLE>

XII.     OTHER PLAN PROVISIONS:

         _______________________________________________________________________
         _______________________________________________________________________
         _______________________________________________________________________
         _______________________________________________________________________

         EFFECTIVE DATE: _______________________________________________________

                                                     Section 401(k) Plan AA #010

                                       43
<PAGE>

                                   SCHEDULE D

          SAFE HARBOR ELECTIONS FOR FLEXIBLE NON-ELECTIVE CONTRIBUTION

The following elections are made with regard to the Plan's Safe Harbor status
pursuant to Section VII herein. For Plan Years indicated below, the Plan hereby
invokes a Safe Harbor status in accordance with IRS Notices 98-52 and 2000-3.

For all Plan Years in which this Safe Harbor election is being made, the
limitations and restrictions found in Section VII herein apply.

1.   For the Plan Year beginning _____ and ending _____, the Employer hereby
     invokes a Safe Harbor status as provided in IRS Notice 2000-3. The Safe
     Harbor Contribution will be an amount equal to _____% (not less than 3%) of
     Compensation. This election is made on this _____ day of _____, _____ (date
     may not be later than 30 days prior to the end of the Plan Year in which
     such election is being made).

2.   For the Plan Year beginning _____ and ending _____, the Employer hereby
     invokes a Safe Harbor status as provided in IRS Notice 2000-3. The Safe
     Harbor Contribution will be an amount equal to _____% (not less than 3%) of
     Compensation. This election is made on this _____ day of _____, _____ (date
     may not be later than 30 days prior to the end of the Plan Year in which
     such election is being made).

3.   For the Plan Year beginning _____ and ending _____, the Employer hereby
     invokes a Safe Harbor status as provided in IRS Notice 2000-3. The Safe
     Harbor Contribution will be an amount equal to _____% (not less than 3%) of
     Compensation. This election is made on this _____ day of _____, _____ (date
     may not be later than 30 days prior to the end of the Plan Year in which
     such election is being made).

4.   For the Plan Year beginning _____ and ending _____, the Employer hereby
     invokes a Safe Harbor status as provided in IRS Notice 2000-3. The Safe
     Harbor Contribution will be an amount equal to _____% (not less than 3%) of
     Compensation. This election is made on this _____ day of _____, _____ (date
     may not be later than 30 days prior to the end of the Plan Year in which
     such election is being made).

5.   For the Plan Year beginning _____ and ending _____, the Employer hereby
     invokes a Safe Harbor status as provided in IRS Notice 2000-3. The Safe
     Harbor Contribution will be an amount equal to _____% (not less than 3%) of
     Compensation. This election is made on this _____ day of _____, _____ (date
     may not be later than 30 days prior to the end of the Plan Year in which
     such election is being made).

                                                     Section 401(k) Plan AA #010

                                       44
<PAGE>

                                   SCHEDULE E

                         COLLECTIVE AND COMMINGLED FUNDS

The Trustee is authorized to invest all or any part of the Fund in the following
Collective and Commingled Funds as provided for in the Basic Plan Document #01:

1.   All funds under the following declarations of trust, as amended:

2.   U.S. Bank, N.A. Collective Investment Funds for EB Retirement Trusts

3.   Firstar Investment Trust for EB Plans

4.   Collective Investment Funds of Firstar Bank Wisconsin

                                                     Section 401(k) Plan AA #010

                                       45
<PAGE>

                                    AMENDMENT
                                     TO THE
                                 NONSTANDARDIZED
                      CASH OR DEFERRED PROFIT-SHARING PLAN
                             ADOPTION AGREEMENT #010

1.       Except as otherwise noted, effective as of the first day of the first
         Plan Year beginning after December 31, 2001, Section VI of the
         Nonstandardized Cash or Deferred Profit-Sharing Plan Adoption Agreement
         #010 entitled "EMPLOYEE CONTRIBUTIONS" is amended by adding the
         following new sections:

         "J".     CATCH-UP CONTRIBUTIONS (SELECT ONE):

                  [X] 1.   Shall apply to contributions after 12/31/2001.
                           (enter December 31, 2001 or a later date).

                  [ ] 2.   Shall not apply.

         K.       DIRECT ROLLOVERS:

                  The Plan will accept a Direct Rollover of an Eligible Rollover
                  Distribution from (check each that apply):

         [ ]      1.       A Qualified Plan described in Code Section 401(a) or
                           403(a), excluding Voluntary After-tax Contributions.

         [X]      2.       A Qualified Plan described in Code Section 401(a) or
                           403(a), including Voluntary After-tax Contributions.

         [ ]      3.       An annuity contract described in Code Section 403(b),
                           excluding Voluntary After-tax Contributions.

         [ ]      4.       An eligible plan under Code Section 457(b) which is
                           maintained by a state, political subdivision of a
                           state, or an agency or instrumentality of a state or
                           political subdivision of a state.

         L.       PARTICIPANT ROLLOVER CONTRIBUTIONS FROM OTHER PLANS:

                  The Plan will accept a Participant Rollover Contribution of an
                  Eligible Rollover Distribution from (check only those that
                  apply):

         [X]      1.       A Qualified Plan described in Code Section 401(a) or
                           403(a).

         [ ]      2.       An annuity contract described in Code Section 403(b).

         [ ]      3.       An eligible plan under Code Section 457(b) which is
                           maintained by a state, political subdivision of a
                           state, or any agency or instrumentality of a state or
                           political subdivision of a state.

         M.       PARTICIPANT ROLLOVER CONTRIBUTIONS FROM IRAS:

                  The Plan (select one):

                  [ ]      1.       will

                                                     Section 401(k) Plan AA #010

                                        1
<PAGE>

                  [X]      2.       will not

                  accept a Participant Rollover Contribution of the portion of a
                  distribution from an Individual Retirement Account [which was
                  not used as a conduit] or Annuity described in Code Section
                  408(a) or 408(b) that is eligible to be rolled over and would
                  otherwise be includable in gross income.

         N.       EFFECTIVE DATE OF DIRECT ROLLOVER AND PARTICIPANT ROLLOVER
                  CONTRIBUTION PROVISIONS:

         The provisions of (K), (L) and (M) above as they apply to Paragraph 4.4
         of the Basic Plan Document #01 entitled "Rollover Contributions" shall
         be effective _____________________________ (enter a date no earlier
         than January 1, 2002)."

2.       Section VIII(A) of the Nonstandardized Cash or Deferred Profit-Sharing
         Plan Adoption Agreement #010 entitled, "Matching Employer
         Contributions" will be amended effective ___________________________ by
         the addition of a new paragraph 6, which shall read as follows:

         "6.      CATCH-UP CONTRIBUTIONS:

                  [ ]      a.       Catch-Up contributions made by the
                                    Participants will not be matched by the
                                    Employer.

                  [X]      b.       Catch-Up Contributions made by the
                                    Participants will be matched on the same
                                    formula, terms and conditions as provided in
                                    Section VIII of the Adoption Agreement. A
                                    Matching Contribution will be made on the
                                    basis of the contribution type(s) selected
                                    below:

                           [X]      i.       Elective Deferrals
                           [ ]      ii.      403(b) Deferrals"

3.       Section XI of the Nonstandardized Cash or Deferred Profit-Sharing Plan
         Adoption Agreement #010 entitled, "MULTIPLE PLANS MAINTAINED BY THE
         SAME EMPLOYER, LIMITATIONS ON ALLOCATIONS, AND TOP-HEAVY CONTRIBUTIONS"
         will be amended effective _____________ by the addition of a new
         paragraph (C) which shall read as follows:

         "C.      MINIMUM BENEFITS FOR EMPLOYEES ALSO COVERED UNDER ANOTHER
                  PLAN:

                  The Employer should describe below the extent, if any, to
                  which the Top-Heavy Minimum Benefit requirements of Code
                  Section 416(c) and paragraph 14.2 of the Basic Plan Document
                  #01 shall be met in another plan. Please list the name of the
                  other plan, the minimum benefit that will be provided under
                  such other plan, and the Employees who will receive the
                  minimum benefit under such other plan."

                  ______________________________________________________________
                  ______________________________________________________________
                  ______________________________________________________________
                  ______________________________________________________________

4.       Section XIII of the Nonstandardized Cash or Deferred Profit-Sharing
         Plan Adoption Agreement #010 entitled, "VESTING" will be amended
         effective __________________ by the addition of a new paragraph (E)
         which shall read as follows:

         NOTE:    First select to whom the vesting schedule will apply. Number 1
                  should be elected if only active Participants' Matching
                  Contributions accounts will be affected. Letter (a) should be
                  selected if the Employer wishes only to change the vesting
                  schedule for contributions made to the Plan after December 31,
                  2001. Letter (b) should be selected if the Employer

                                                     Section 401(k) Plan AA #010

                                       2
<PAGE>

                  wants to change the vesting schedule for all Matching
                  Contributions to the Plan (regardless of when made). Number 2
                  should be selected if the Employer wants to change the vesting
                  schedule on Matching Contributions for all Participants -
                  regardless of whether they are active or inactive. The
                  applicable vesting schedule shall be selected from number 3
                  through 7 below.

         "E.      VESTING OF EMPLOYER MATCHING CONTRIBUTIONS:

                   [ ]     1.       Participants who have completed one Hour of
                                    Service after 2001

                           [ ]      a.      The vesting schedule of
                                            Employer Matching Contributions as
                                            described in paragraph 9.2 of the
                                            Basic Plan Document #01 shall be
                                            selected below and shall apply only
                                            to account balances derived from
                                            Employer Matching Contributions
                                            attributable to a Plan Year
                                            beginning after December 31, 2001.

                           [ ]      b.      The vesting schedule of Employer
                                            Matching Contributions as described
                                            in paragraph 9.2 of the Basic Plan
                                            Document #01 shall be selected below
                                            and shall apply to all Participants
                                            with an account balance derived from
                                            Employer Matching Contributions.

                  [ ]      2.       All Plan Participants:

                           The vesting schedule of Employer Matching
                           Contributions as described in paragraph 9.2 of the
                           Basic Plan Document #01 shall be selected below and
                           shall apply to all Participants with an account
                           balance derived from Employer Matching Contributions.

                  The vesting schedule for Employer Matching Contributions shall
                  be as follows:

                  [ ]      3.       Not applicable.  There are no Matching
                                    Contributions made to the Plan.

                  [X]      4.       Not applicable. The current formula(s) are
                                    equal to or greater than the three year
                                    cliff or six year graded vesting schedules.

                  [ ]      5.       A Participant's account balance derived from
                                    Employer Matching Contributions shall be
                                    fully and immediately vested.

                  [ ]      6.       A Participant's account balance derived from
                                    Employer Matching Contributions shall be
                                    nonforfeitable upon the Participant's
                                    completion of three (3) years of vesting
                                    Service.

                  [ ]      7.       A Participant's account balance derived from
                                    Employer Matching Contributions shall vest
                                    according to the following schedule:

<TABLE>
<CAPTION>
Years of Vesting Service   Vested Percentage
------------------------   -----------------
<S>                        <C>
           2                        20%
           3                        40%
           4                        60%
           5                        80%
           6                       100%
</TABLE>

                                                     Section 401(k) Plan AA #010

                                        3
<PAGE>

5.       Section XV of the Nonstandardized Cash or Deferred Profit-Sharing Plan
         Adoption Agreement #010 entitled, "IN-SERVICE WITHDRAWALS" will be
         amended by the addition of a new paragraph (C) which shall read as
         follows:

         "C.      SUSPENSION PERIOD FOR HARDSHIP DISTRIBUTION (SELECT ONE):

         [X]      1.       A Participant who receives a distribution in
                           calendar year 2001 on account of Hardship shall be
                           prohibited from making Elective Deferrals and
                           Voluntary After-tax Contributions under this and all
                           other plans of the Employer for six (6) months after
                           receipt of the distribution or until January 1, 2002,
                           if later.

         [ ]      2.       A Participant who receives a distribution in
                           calendar year 2001 on account of Hardship shall be
                           prohibited from making Elective Deferrals and
                           Voluntary After-tax Contributions under this and all
                           other plans of the Employer for the period specified
                           in the provisions of the Plan relating to suspension
                           of Elective Deferrals that were in effect prior to
                           this Amendment."

6.       Section XVIII of the Nonstandardized Cash or Deferred Profit-Sharing
         Plan Adoption Agreement #010 entitled, "DISTRIBUTION OPTIONS" will be
         amended effective __________________ by the addition of the following:

         "E.      TREATMENT OF ROLLOVERS IN APPLICATION OF INVOLUNTARY CASH-OUT
                  PROVISIONS:

                  The Plan (select one):

                  [X]      Elects to exclude Rollover Contributions in
                           determining the value of the Participant's
                           nonforfeitable account balance for purposes of the
                           Plan's involuntary cash-out rules.

                  [ ]      Does not elect to exclude Rollover Contributions in
                           determining the value of the Participant's
                           nonforfeitable account balance for purposes of the
                           Plan's involuntary cash-out rules.

                  If the Employer has elected to exclude Rollover Contributions,
                  the election shall apply with respect to distributions made
                  after _________________________ (enter a date no earlier than
                  December 31, 2001) with respect to Participants who separated
                  from Service after __________________________ (enter the date;
                  this date may be earlier than December 31, 2001)."

         F.       DISTRIBUTION UPON SEVERANCE FROM EMPLOYMENT:

                  Distribution upon severance from employment as described in
                  paragraph 6.6(d) of the Basic Plan Document #01 shall apply
                  for distributions after ___________________ (enter a date no
                  earlier than December 31, 2001):

                  [X]      regardless of when the severance from employment
                           occurred.

                  [ ]      for severance from employment occurring after
                           _______________ (enter the Effective Date if
                           different than the Effective Date above)."

                                                     Section 401(k) Plan AA #010

                                        4
<PAGE>

         Executed this 4th day of December, 2002.

                                    JDA Software, Inc.
                                    -------------------------
                                    Name of Employer

                                    Margie Jones
                                    -------------------------
                                    Signed by

                                    /s/ Margie Jones
                                    -------------------------
                                    Signature

                                                     Section 401(k) Plan AA #010
                                        5

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