Document:

Amended Employment Agreement - B. Huang

 

Exhibit 10.24

AMENDED EMPLOYMENT AGREEMENT

THIS AGREEMENT is made as of the 16st, day of May 2007.

BETWEEN:

Chemokine Therapeutics Corp. a Delaware Corporation and its wholly owned subsidiary
Chemokine Therapeutics (BC) Corp. a company incorporated pursuant to the laws of
the Province of British Columbia and having a business office at 6190 Agronomy Rd.
Suite 405, Vancouver, BC. V6T 1Z3

(the “Company”)

AND:

Ms. Bin Huang of Suite 2407 — 1199 Seymour Street, Vancouver, BC,
V6B 1K3

(the “Employee”)

WHEREAS,

A.     The Company is engaged in the business of the development of biotechnology products.

B.     The Employee is presently employed by the Company on the terms and conditions which are now set
forth in this Agreement.

NOW THEREFORE THIS AGREEMENT WITNESSES that for and in consideration of the Employee’s continued
employment, the premises and mutual covenants and agreements hereinafter contained, the sum of
$1.00 of lawful money of Canada now paid by the Company to the Employee and other good and valuable
consideration (the receipt and sufficiency of which is hereby acknowledged) the parties hereto
covenant and agree as follows:

1.0     Employment

1.1     The Company hereby employs the Employee in the position of Vice-President for Corporate
Development.

1.2     The Employee shall report to C. Richard Piazza (Board Chair & CEO), and shall perform, observe
and conform to such duties and instructions as from time to time are reasonably and lawfully
assigned or communicated to the Employee and are consistent with the position.

1.3     Where the Employee is a new employee, the first three months of the Employee’s employment with
the Company shall

 

			
	Chemokine Therapeutics (BC) Corp. employee/employment contract
	 	1

 

 

constitute a probationary period so that the Company shall have an opportunity to determine the
Employee’s ability to perform the duties of and the suitability for that position. The Company may
terminate the Employee’s employment during the Probationary Period as provided for in section 6
herein.

1.4     Throughout the term of this Agreement the Employee shall:

	 	(a)	 	diligently, honestly and faithfully serve the Company and shall use all
reasonable efforts to promote and advance the interests and goodwill of the Company;
	 
	 	(b)	 	conduct himself/herself at all times in a manner which is not materially
prejudicial to the Company’s interests;
	 
	 	(c)	 	devote all of his/her business time to the business and affairs of the
Company; and
	 
	 	(d)	 	not acquire, directly or indirectly, any interest that constitutes 10% or
more of the voting rights attached to the outstanding shares of any corporation or 10%
or more of the equity or assets in any firm, partnership or association, the business
and operations of which in any manner, directly or indirectly, compete with the trade
or business of the Company.

1.5     The Employee shall disclose all potential conflicts of interest and activities which could
reasonably be seen to compete, indirectly or directly, with the trade or business of the Company,
to the Board of Directors of the Company, as from time to time constituted (the “Board”). The
Board shall determine, in its sole discretion, whether the activity in question constitutes a
conflict of interest or competition with the Company. To the extent that the Board, acting
reasonably, determines a conflict or competition exists, the Employee shall discontinue such
activity forthwith or within such longer period as the Board agrees. The Employee shall
immediately certify in writing to the Company that he has discontinued such activity and that he
has, as required by the Board, cancelled any contracts or sold or otherwise disposed of any
interest or assets over the 10% threshold described in subsection 1.4(d), herein acquired by the
Employee by virtue of engaging in the impugned activity, or where no market exists to enable such
sale or disposition, by transfer of the employee’s beneficial interest into blind trust or other
fiduciary arrangements over which the Employee has no control or direction, or other action that is
acceptable to the Board.

1.6     Notwithstanding sections 1.4 (d) and 11, the Employee is not restricted from nor is required to
obtain the consent of the Company to make investments in any company, which is involved

 

			
	Chemokine Therapeutics (BC) Corp. employee/employment contract
	 	2

 

 

in pharmaceuticals or biotechnology and the securities of which are listed for trading on any
Canadian or U.S. stock exchange, quotation system or the over-the-counter market.

1.7     For the purposes of sections 1.4, 1.5 and 1.6 herein, the Employee includes any firm or company
owned or controlled by the Employee.

1.8     It is understood and agreed that as the Company grows, the Employee’s responsibilities may be
changed to meet the needs of the Company, however, such responsibilities shall be those that are
reasonably assigned to the Employee by the Board and are consistent with the Employee’s position.

2.0     Compensation

2.1     In consideration of the services rendered by the Employee under this Agreement, the Company
shall pay to the Employee the gross sum of $200,000 per annum in equal semi-monthly instalments
(“Base Salary”). Where the Employee is a new employee, on successful completion of the
probationary period, the Employee’s salary will be increased to $N/A per annum. Thereafter,
increases to the Employee’s Salary shall be in the absolute discretion of the Company.

2.2     The Employee shall be eligible to participate in the Company’s pension plan.

2.3     The Company shall have the right to deduct and withhold from the Employee’s compensation any
amounts required to be deducted and withheld under the applicable provincial or federal laws of
Canada.

3.0     Benefits

3.1     Subject to any eligibility requirements, the Employee shall be entitled to such benefits which
the Company offers from time to time to similar employees (the “Benefits”).

3.2     The introduction and administration of the Benefits is within the Company’s sole discretion,
and the introduction, deletion or amendment of the Benefits shall not constitute a breach of this
Agreement.

4.0     Vacation

4.1     The Employee shall be entitled to an annual vacation of three (3) weeks per year. The
Employee’s entitlement to vacation shall not be cumulative from year to year and any vacation
entitlement not taken during the current year in excess of the minimum standard provided for in the
Employment Standards

 

			
	Chemokine Therapeutics (BC) Corp. employee/employment contract
	 	3

 

 

Act, R.S.B.C. 1996, c. 113. as amended, shall be forfeited. The timing of vacations shall be in
accordance with the Company’s policies and practices and with the Company’s needs.

4.2     At the time of termination of this Agreement any accrued vacation time for the current fiscal
year of the Company shall be paid out or taken as time off, at the election of the Employee.

5.0     Term of Employment

5.1     The term of employment of the Employee by the Company pursuant to the terms of this Agreement
shall commence as of the date of this Agreement and shall continue until such time as this
Agreement is terminated pursuant to section 6 herein.

6.0     Termination

6.1     The Company may terminate the Employee’s employment at any time, with no notice, for cause.

6.2     If this Agreement and the Employee’s employment are terminated for cause, no notice, salary,
benefits or allowances shall be paid or payable to the Employee after or as a result of such
termination except in respect of those amounts which were payable in respect of the period ending
immediately prior to such termination.

6.3     The Company may terminate the Employee’s employment, without cause:

	 	(a)	 	at any time during the first, second and third months of the Probationary
Period without notice or pay in lieu of notice;
	 
	 	(b)	 	at any time after the third month of the Probationary Period, without cause,
by providing the Employee with:

	 	(i)	 	one (1) week written notice or pay of in lieu of notice or
any combination of written notice and pay in lieu of notice equal to one (1)
week Base Salary; and
	 
	 	(ii)	 	an additional one (1) week of written notice or pay in lieu
of notice or any combination of written notice and pay in lieu of notice equal
to one (1) week Base Salary for each year of service with the Company,
prorated to the extent that a year of service is incomplete, provided that the
total amount of notice or payment in lieu of notice hereunder does not exceed
eight (8) weeks. If the Employee completed at least one year of

 

			
	Chemokine Therapeutics (BC) Corp. employee/employment contract
	 	4

 

 

	 	 	 	full employment with the Company and his employment was terminated without
cause, then the Company will pay an additional one month severance pay.

6.4     The Employee may terminate this employment Agreement with the Company during the Probationary
Period without notice. Thereafter the Employee may terminate this employment Agreement with the
Company upon giving the Company four (4) weeks notice of resignation. On the giving of such notice
by the Employee, or at any time thereafter, the Company shall have the right to elect to
immediately terminate the Employee’s employment, and upon such election, shall provide to the
Employee a lump sum equal to the Base Salary only for four (4) weeks or to such proportion of the
time that remains outstanding at the time of the election.

7.0     Confidentiality and Company Property

7.1     The Employee understands and acknowledges that the Company is engaged in a continuous program
of research, development and production relating to Chemokine Research and related products
(“Business”). Because of the nature of the Business, the Employee’s employment creates a
relationship of confidence between the Employee and the Company with respect to certain information
that gives the Company an advantage in its business and marketplace. In the course of carrying out
and performing the Employee’s duties and responsibilities to the Company, the Employee will obtain
access to and be entrusted with Confidential and Proprietary Information (as hereinafter defined)
relating to the Business and other affairs of the Company.

7.2     The term “Confidential and Proprietary Information” as used in this Agreement means all trade
secrets, proprietary information and other data or information (and any tangible evidence, record
or representation thereof), whether prepared, conceived or developed by an employee of the Company
(including the Employee) or received by the Company from an outside source which is maintained in
confidence by the Company or any of its customers to obtain a competitive advantage over
competitors who do not have access to such trade secrets, proprietary information, or other data or
information. Without limiting the generality of the foregoing, Confidential and Proprietary
Information includes:

	 	(a)	 	any information, ideas, improvements, know-how, concepts, research,
inventions, innovations, products, services, sales, scientific or other formulas,
systems, strategies, formulae, algorithms, patterns, processes, methods, machines,
manufactures, compositions, processes, procedures, tests, treatments, developments,
data, experimental software, libraries and routines, audio-visual displays

 

			
	Chemokine Therapeutics (BC) Corp. employee/employment contract
	 	5

 

 

	 	 	 	technical specifications, technical data, designs, devices, patterns, concepts,
computer programs, training or service manuals, plans for new or revised services
or products or other plans, items or strategy methods on compilation of
information, or works in process, or any Invention (as defined in Section 8 below),
or parts thereof, and any and all revisions and improvements relating to any of the
foregoing (in each case whether or not reduced to tangible form) that relate to the
Business or affairs of the Company or its subsidiary or affiliated companies, or
that result from its marketing, research and/or development activities;

	 	(b)	 	any information relating to the relationship of the Company with any
consultants, collaborators, associates, clients, customers, suppliers, principals,
contacts or prospects of the Company and any information relating to the requirements,
specifications, proposals, orders, contracts or transactions of or with any such
consultants, collaborators, associates, clients, customers, suppliers, principals,
contacts or prospects of the Company. Including but not limited to client lists;
	 
	 	(c)	 	any sales plan, price schedule, product literature, user documentation,
technical documentation, marketing material, plan or survey, business plan or
opportunity, product or service development plan or specification, business proposal;
and
	 
	 	(d)	 	any information relating to the present Business or proposed business of the
Company.

7.3     The Employee acknowledges and agrees that the Confidential and Proprietary Information is and
will remain the exclusive property of the Company. The Employee also agrees that the Confidential
and Proprietary Information:

	 	(a)	 	constitutes a proprietary right which the Company is entitled to protect; and
	 
	 	(b)	 	constitutes information and knowledge not generally known to the trade.

7.4     The Employee understands that the Company has from time to time in its possession information
belonging to others or which is claimed by others to be confidential or proprietary and which the
Company has agreed to keep confidential. The Employee agrees that all such information shall be
Confidential and Proprietary Information for the purposes of this Agreement.

 

			
	Chemokine Therapeutics (BC) Corp. employee/employment contract
	 	6

 

 

7.5     For purposes of the copyright laws of the United States of America, to the extent, if any, that
such laws are applicable to any Confidential and Proprietary Information, it shall be considered a
work made for hire and the Company shall be considered the author thereof.

7.6     The Employee agrees to maintain securely and hold in strict confidence all Confidential and
Proprietary Information received, acquired or developed by the Employee or disclosed to the
Employee as a result of or in connection with the Employee’s employment with the Company. The
Employee agrees to continue to hold the Confidential and Proprietary Information in strict
confidence at all times after the termination of the Employee’s employment for whatever reason.
The Employee will not disclose any of the Confidential and Proprietary Information to any person,
firm or corporation, nor will the Employee use any of the Confidential and Proprietary Information
for any purpose other than in the normal and proper course of the Employee’s duties either during
the term of the Employee’s employment with the Company or at any time afterwards without the
express written consent of the Company. The Employee will use the Employee’s best efforts to
protect and safeguard Confidential and Proprietary Information from, without limitation, loss,
theft, destruction or seizure.

7.7     The Employee agrees that documents, copies, records and other materials made or received by the
Employee that pertain to the Business and affairs of the Company or its subsidiary or affiliated
companies, including all Confidential and Proprietary Information and which are in the Employee’s
possession or under the Employee’s control are the property of the Company and that the Employee
will return same and any copies of them to the Company forthwith upon the termination of the
Employee’s employment or at any time immediately upon the request of the Company.

7.8     The restrictive obligations set forth above shall not apply to the disclosure or use of any
information which:

	 	(a)	 	is or later becomes publicly known under circumstances involving no breach of
this Agreement by the Employee;
	 
	 	(b)	 	is already known to the Employee outside his work for the Company at the time
of receipt of the Confidential Information;
	 
	 	(c)	 	is disclosed to a third party under an appropriate confidentiality agreement;
	 
	 	(d)	 	is lawfully made available to the Employee by a third party;

 

			
	Chemokine Therapeutics (BC) Corp. employee/employment contract
	 	7

 

 

	 	(e)	 	is independently developed by the Employee who has not been privy to the
Confidential Information provided by the Company, or
	 
	 	(f)	 	is required by law to be disclosed but only to the extent of such requirement
and the Employee shall immediately notify in writing the Chief Executive Officer of
the Company upon receipt of any request for such disclosure.

7.9     The Employee represents and warrants that he has not brought and will not bring with him to the
Company any materials or use, while performing his duties for the Company, any materials or
documents of a former employer which are not generally available to the public. The Employee
understands that, while employed by the Company, the Employee shall not breach any obligation or
confidence or duty the Employee may have to a former employer and the Employee agrees that the
Employee will fulfil all such obligations during the Employee’s employment with the Company.

7.10     The Employee represents and warrants that the Employee will not use or cause to be
incorporated in any of the Employee’s work product any data software, information, designs,
techniques or know-how which the Employee or the Company does not have the right to use.

7.11     The provisions of this section 7 shall survive the termination of this Agreement.

8.0     Inventions

8.1     The Employee agrees that all Confidential and Proprietary Information and all other
discoveries, inventions, ideas, concepts, processes, products, protocols, treatments, methods,
tests and improvements, algorithms, computer programs, or parts thereof, conceived, developed,
reduced to practice or otherwise made by the Employee either alone or with others, and in any way
relates to the present or proposed programs, services, products or Business of the Company, or to
task assigned to the Employee during the period of the Employee’s employment by the Company,
whether or not conceived, developed, reduced to practice or made during the Employee’s employment
(collectively “Inventions”), and any and all services and products which embody, emulate or employ
any such Invention shall be the sole property of the Company and all copyrights, patents, patent
rights, trademarks, service marks and reproduction rights to, and other proprietary rights in, each
such Invention, whether or not patentable or copyrightable, shall belong exclusively to the
Company. For purposes of the copyright laws of the United States of America, to the extent, if
any, that such laws are applicable to any such Invention or any such service or product, it shall
be
considered a work made for hire and the Company shall be considered the author thereof.

 

			
	Chemokine Therapeutics (BC) Corp. employee/employment contract
	 	8

 

 

8.2     The Employee will promptly disclose to the Company, or any persons designated by it, all
Inventions.

8.3     The Employee hereby assigns to the Company or its nominee, their successors or assigns, all the
Employee’s rights, title and interest in and to the Inventions.

8.4     The Employee hereby waives for the benefit of the Company and its successors and assigns all
the Employee’s moral rights in respect of the Inventions.

8.5     The Employee further agrees to assist the Company in every proper way (but at the Company’s
expense) to obtain and from time to time to enforce patents or copyrights in respect of the
Inventions in any and all countries, and to that end the Employee will execute all documents for
use in applying for, obtaining and enforcing patents and copyrights on such Inventions as the
Company may desire, together with any assignments of such Inventions to the Company or persons
designated by it. The Employee’s obligation to assist the Company in obtaining and enforcing
patents and copyrights for the Inventions in any and all countries shall continue beyond the
termination of the Agreement.

8.6     In the event that the Company is unable for any reason whatsoever to secure the Employee’s
signature to any lawful and necessary document required to apply for or execute any patent,
copyright, trademark or other applications with respect to any Invention (including improvements,
renewals, extensions, continuations, divisions or continuations in part thereof), the Employee
hereby irrevocably appoints the Company and its duly authorized officers and agents as the
Employee’s agents and attorneys-in-fact to execute and file any such application and to do all
other lawfully permitted acts to further the prosecution and issuance of patents, copyrights or
other rights thereon with the same legal force and effect as if executed by the Employee.

8.7     The Employee hereby represents and warrants that the Employee is subject to no contractual or
other restriction or obligation, which will in any way limit the Employee’s activities on behalf of
the Company. The Employee hereby represents and warrants to the Company that the Employee has no
continuing obligations to any previous employer (a) with respect to any previous invention,
discovery or other item of intellectual property or (b) which require the Employee not to disclose
any information or data to the Company.

8.8     The provisions of this section 8 shall survive the termination of this Agreement.

 

			
	Chemokine Therapeutics (BC) Corp. employee/employment contract
	 	9

 

 

9.0     Remedies

9.1     The Employee acknowledges and agrees that a breach by the Employee of any of the covenants
contained in sections 7 and 8 of this Agreement herein shall result in damages to the Company and
that the Company could not be adequately compensated for such damages by a monetary award.
Accordingly, in the event of any such breach, in addition to all other remedies available to the
Company at law or in equity, the Company shall be entitled as a matter of right to apply to a court
of competent jurisdiction for such relief by way of restraining order, temporary or permanent
injunction, to cure any such breach, or as may be appropriate, to ensure compliance with the
provisions of this agreement.

10.0     Property Rights of the Company

10.1     Notwithstanding anything else in this Agreement, it is expressly acknowledged and understood
by the Employee that all the work product of the Employee while engaged by the Company pursuant to
the terms hereof shall vest in the Company absolutely and notwithstanding the generality of the
foregoing, all software, product information, improvements, notes, documents, correspondence,
produced by the Employee during the term of employment hereunder shall belong absolutely to the
Company. The Employee further agrees to execute without further consideration any assignments,
conveyances, other documents and assurances as may be necessary to effect the intent of this
provision. Notwithstanding the generality of the foregoing, the Company acknowledges that
intellectual property, know-how and the like known by or in possession of the Employee as of or
prior to the Employee becoming an employee of the Company is hereby expressly excluded from the
foregoing restrictions.

11.0     Non-Competition

11.1     The Employee agrees that following the termination of his employment with the Company for any
reason, he shall not, within Canada, the United States of America and the countries comprising the
European Economic Union, for a period of twelve (12) months from the date of such termination
(without the prior written consent of the Company) either individually or in partnership, or in
conjunction with any person or persons, firm, association, syndicate, company or corporation as
principal, agent, director, officer, employee, consultant, investor or in any other manner
whatsoever carry on or be engaged in or be concerned with or interested in, or advise, lend money
to, guarantee the debts or obligations of or permit his name or any part thereof to be used or
employed by any person or persons, firm, association, syndicate, company or corporation, engaged in
or concerned with any business that is engaged in the field of Chemokine research and development.

 

			
	Chemokine Therapeutics (BC) Corp. employee/employment contract
	 	10

 

 

11.2     The Employee acknowledges that a breach by the Employee of any of the covenants contained in
section 1.4(d) and section 11 herein shall result in damages to the Company and that the Company
could not be adequately compensated for such damages by a monetary award. Accordingly, in the
event of any such breach, in addition to all other remedies available to the Company at law or in
equity, the Company shall be entitled as a matter of right to apply to a Court of competent
jurisdiction for such relief by way of restraining order, temporary or permanent injunction, decree
or otherwise, as may be appropriate to ensure compliance with the provisions of this Agreement.

11.3     The Employee agrees that all documents, copies, records and other materials made or received
by the Employee and which are in his possession or under his control that pertain to the business
and affairs of the Company are the property of the Company and shall be returned to the Company by
the Employee forthwith upon the termination of this Agreement or at any time during the term hereof
immediately upon the request of the Company.

11.4     The Employee hereby agrees that all restrictions in this Agreement are reasonable and valid
and all defences to the strict enforcement thereof by the Company are hereby waived by the
Employee.

12.0     Employment Standards

12.1     In the event that the minimum standards in the Employment Standards Act, as it exists from
time to time, are more favourable to the Employee in any respect, including but not limited to the
provisions herein in respect of notice of termination, minimum wage or vacation entitlement than
provided for herein, the provisions of the Employment Standards Act shall apply.

13.0     General Provisions

13.1     In this Agreement, unless context otherwise requires, words Importing the singular include the
plural and vice versa, and words importing gender include all genders.

13.2     The headings and the clauses of this Agreement have been inserted as a matter of convenience
and for reference only and in no way define, limit or enlarge the scope or meaning of this
Agreement or any of its provisions.

 

			
	Chemokine Therapeutics (BC) Corp. employee/employment contract
	 	11

 

 

13.3     This Agreement may not be assigned by either party. This Agreement shall enure to the benefit
of the parties and shall be binding upon the successors of the Company.

13.4     The waiver of the Company of a breach of any provision of this Agreement by the Employee shall
not operate or be construed as a waiver of any subsequent breach by the Employee.

13.5     This Agreement constitutes the entire agreement between the parties hereto relating to the
employment of the Employee and supersedes any and all employment agreements or understandings, oral
or written, between the Company and the Employee and any such prior agreements relating to the
employment of the Employee by the Company are hereby terminated and cancelled.

13.6     This Agreement shall not be amended except in writing signed by both parties.

13.7     In the event that any provision or portion of this Agreement shall be determined to be invalid
or unenforceable for any reason, the remaining provisions and portions of this Agreement shall not
be affected by such determination and shall remain in full force and effect to the fullest extent
permitted by law.

13.8     The Employee shall, upon the reasonable request of the Company, make, do, execute or cause to
be made, done or executed, all such further and lawful acts, deeds, things, documents and
assurances of whatsoever nature and kind for the better or more perfect or absolute performance of
the terms, conditions and intent of this Agreement.

13.9     Every notice, request, demand or direction (each for the purposes of this section, a “notice”)
to be given pursuant to this Agreement by any party to another shall be in writing and shall be
delivered in person or sent by registered mail postage prepaid or by facsimile addressed as
applicable as follows:

If to the Employee at:

Suite 2407 — 1199 Seymour Street, Vancouver, BC, V6B 1K3

If to the Company at:

6190 Agronomy Rd,

Suite 405,

Vancouver,

BC. V6T 1Z3

 

			
	Chemokine Therapeutics (BC) Corp. employee/employment contract
	 	12

 

 

or at such other address as specified by the particular party by notice to the other.

13.10     Any notes delivered or sent in accordance with section 13.09 will be deemed to have been
given and received:

	 	(a)	 	if personally delivered, on the day of delivery,
	 
	 	(b)	 	if by registered mail, on the earlier of the day of receipt and the fifth
(5th) business day after the day of mailing, or
	 
	 	(c)	 	if by facsimile, on the first business day following the day of transmittal.

If a notice is sent by registered mail and mail service is interrupted between the point of mailing
and the destination by strike, slow down, force majeure or other cause within three (3) days before
or after the time of mailing, the notice will not be deemed to be received until actually received,
and the party sending the notice will use any other service which has not been so interrupted or
will deliver the notice in order to ensure prompt receipt.

13.11     A reference to a statute includes all regulations made pursuant thereto, all amendments to
the statute or regulations in force from time to time, and any statute or regulation which
supplements or supersedes such statute or regulations.

13.12     All sums of money which are referred to in this Agreement are expressed in lawful money of
Canada. This agreement is governed by the laws of Province of British Columbia.

13.13     Time is of the essence of this Agreement.

14.0     Independent Legal Advice

14.1     The Employee acknowledges that this Agreement has been prepared by the Company’s solicitors
and acknowledges that the Employee has had sufficient time to review this Agreement thoroughly,
that the Employee has read and understood the terms of this Agreement and that the Employee has
been given the opportunity to obtain independent legal advice concerning the interpretation and
effect of this Agreement prior to its execution.

 

			
	Chemokine Therapeutics (BC) Corp. employee/employment contract
	 	13

 

 

IN WITNESS WHEREOF this Agreement has been executed by the parties hereto as of the day and year
first above written.

			
	SIGNED SEALED AND DELIVERED
	 	)
	 
By:
	 	)

Employee:  /s/  Bin Huang

 

Name and Address: Bin Huang, Suite 2407 — 1199

Seymour Street, Vancouver, BC, V6B 1K3

			
	in the presence of:
	 	) 
 
 

	 	 
	Witness
	 	)
	 
	 	)
	 	 
	Address
	 	)
	 
	 	) 
 
 
 

	 	 
	The Corporate Seal of
	 	)
	Chemokine Therapeutics Corp.
	 	)
	was hereunto affixed.
	 	)
	Per:
	 	)                    c/s
	 
	 	)
	 
	 	)

/s/  C. Richard Piazza

 

C. Richard Piazza

Board Chair & CEO

 

			
	Chemokine Therapeutics (BC) Corp. employee/employment contract
	 	14Unassociated Document

    Exhibit
      4(b)

     

     

     

    SKY
      FINANCIAL GROUP, INC.
      PROFIT SHARING, 401(K)
AND ESOP PLAN

     

     

     

    (As
      Amended and Restated
      Effective January 1, 2004) 

     

    
    

     

    

    SKY
      FINANCIAL GROUP, INC.
      PROFIT SHARING, 401(K)
AND ESOP PLAN

     

    (As
      Amended and Restated
      Effective January 1, 2004) 

     

     

     

    Table
      of
      Contents

     

     

     

    
      	
            	
            	
            	
            	
            	
            	
            
	
              INTRODUCTION

               

            	  	1
	
            	
            
	
              ARTICLE
                I

               

            	  	 
	
              DEFINITIONS

               

            	  	3
	
            	
            	
            	
            
	 	 	
              1.01  

               

            	  	Account
              or Accounts	  	3
	 	 	
              1.02

               

            	  	Acquired
              Employer	  	3
	 	 	
              1.03

               

            	  	Annual
              Compensation	  	3
	 	 	
              1.04

               

            	  	Annuity
              Starting Date	  	4
	 	 	
              1.05

               

            	  	Applicable
              Period	  	4
	 	 	
              1.06

               

            	  	Break
              in Service	  	4
	 	 	
              1.07

               

            	  	Change
              in Control	  	4
	 	 	
              1.08

               

            	  	Code	  	4
	 	 	
              1.09

               

            	  	Company	  	4
	 	 	
              1.10

               

            	  	Company
              Stock	  	4
	 	 	
              1.11

               

            	  	Company
              Stock Fund	  	4
	 	 	
              1.12

               

            	  	Disability	  	4
	 	 	
              1.13

               

            	  	Dividend
              Reinvestment Account	  	5
	 	 	
              1.14

               

            	  	Employee	  	5
	 	 	
              1.15

               

            	  	Employer	  	6
	 	 	
              1.16

               

            	  	Entry
              Date	  	6
	 	 	
              1.17

               

            	  	ERISA	  	6
	 	 	
              1.18

               

            	  	Hour
              of Service	  	6
	 	 	
              1.19

               

            	  	Investment
              Fund	  	7
	 	 	
              1.20

               

            	  	Named
              Fiduciary	  	7
	 	 	
              1.21

               

            	  	Normal
              Retirement Age	  	7
	 	 	
              1.22

               

            	  	Normal
              Retirement Date	  	7
	 	 	
              1.23

               

            	  	Participant	  	7
	 	 	
              1.24

               

            	  	Plan	  	7
	 	 	
              1.25

               

            	  	Plan
              Administrator	  	7
	 	 	
              1.26

               

            	  	Plan
              Year	  	7
	 	 	
              1.27

               

            	  	Qualified
              Election	  	7
	 	 	
              1.28

               

            	  	Qualifying
              Employer Securities	  	7
	 	 	
              1.29

               

            	  	Related
              Entity	  	7
	 	 	
              1.30

               

            	  	Sky
              ESOP	  	8
	 	 	
              1.31

               

            	  	Spouse	  	8
	 	 	
              1.32

               

            	  	Trust	  	8
	 	 	
              1.33

               

            	  	Trustee	  	8
	 	 	
              1.34

               

            	  	Trust
              Fund	  	8
	 	 	
              1.35

               

            	  	Valuation
              Date	  	8
	 	 	
              1.36

               

            	  	Year
              of Service	  	8

    

     

     

    i

     

    
    

     

    

    Table
      of
      Contents

     

    (Cont’d)

     

     

     

    
      	
            	
            	
            	
            	
            	
            	
            
	 	 	 	  	 	  	Page

              

            
	
              ARTICLE
                II

               

            	  	 
	
              ELIGIBILITY

               

            	  	10
	
            	
            	
            	
            
	 	 	
              2.01  

               

            	  	Eligibility	  	10
	 	 	
              2.02

               

            	  	Eligibility
              Upon Re-employment	  	11
	
            	
            
	
              ARTICLE
                III

               

            	  	 
	
              CONTRIBUTIONS

               

            	  	12
	
            	
            	
            	
            
	 	 	
              3.01

               

            	  	Employer
              Contributions	  	12
	 	 	
              3.02

               

            	  	401(k)
              Contributions	  	12
	 	 	
              3.03

               

            	  	Matching
              Contributions	  	13
	 	 	
              3.04

               

            	  	Profit
              Sharing Contributions	  	14
	 	 	
              3.05

               

            	  	ESOP
              Contributions	  	14
	 	 	
              3.06

               

            	  	Catch-Up
              Contributions	  	15
	 	 	
              3.07

               

            	  	Catch-Up
              Matching Contributions	  	16
	 	 	
              3.08

               

            	  	Rollover
              Contributions	  	16
	 	 	
              3.09

               

            	  	Special
              Rules Relating to Veterans Re-employment Rights Under
              USERRA	  	16
	 	 	
              3.10

               

            	  	Automatic
              401(k) Contributions	  	18
	
            	
            
	
              ARTICLE
                IV

               

            	  	 
	
              ALLOCATIONS

               

            	  	19
	
            	
            	
            	
            
	 	 	
              4.01

               

            	  	Participant
              Accounts	  	19
	 	 	
              4.02

               

            	  	Allocation
              of Profit Sharing Contributions	  	20
	 	 	
              4.03

               

            	  	Allocation
              of ESOP Contributions	  	20
	 	 	
              4.04

               

            	  	Allocation
              of 401(k) Contributions	  	20
	 	 	
              4.05

               

            	  	Allocation
              of Matching Contributions	  	20
	 	 	
              4.06

               

            	  	Allocation
              of Investment Gain or Loss	  	21
	 	 	
              4.07

               

            	  	Allocation
              of Cash Dividends	  	21
	 	 	
              4.08

               

            	  	Valuations	  	21
	 	 	
              4.09

               

            	  	Allocation
              of Gain or Loss	  	21
	 	 	
              4.10

               

            	  	Annual
              Report to Participants	  	21
	
            	
            
	
              ARTICLE
                V

               

            	  	 
	
              BENEFITS
                TO
                PARTICIPANTS

               

            	  	22
	
            	
            	
            	
            
	 	 	
              5.01

               

            	  	Upon
              Retirement or Disability	  	22
	 	 	
              5.02

               

            	  	Upon
              Death	  	22
	 	 	
              5.03

               

            	  	Nonforfeitable
              Interest Upon Termination of Employment	  	22
	 	 	
              5.04

               

            	  	Change
              in Control	  	24
	 	 	
              5.05

               

            	  	Forfeiture
              Upon Termination of Employment	  	24
	
            	
            
	
              ARTICLE
                VI

               

            	  	 
	
              DISTRIBUTIONS

               

            	  	26
	
            	
            	
            	
            
	 	 	
              6.01

               

            	  	Commencement
              of Benefits	  	26
	 	 	
              6.02

               

            	  	Payment
              of Benefits	  	26

    

     

     

    ii

     

    
    

     

    

    Table
      of
      Contents

     

    (Cont’d)

     

     

     

    
      	
            	
            	
            	
            	
            	
            	
            
	 	 	 	  	 	  	Page

              

            
	 	 	6.03	  	Distribution
              Provisions Applicable to ESOP Accounts	  	26
	 	 	6.04	  	Definitions	  	27
	 	 	6.05	  	Mandatory
              Commencement of Benefits	  	29
	 	 	6.06	  	Distributions
              After Death of a Participant	  	30
	 	 	6.07	  	Right
              to Have Accounts Transferred	  	31
	 	 	6.08	  	Restrictions
              on Distributions of 401(k) Contributions and Safe
              Harbor Matching Contributions	  	32
	
            	
            
	
              ARTICLE
                VII

               

            	  	 
	
              LIMITATION
                ON CONTRIBUTIONS
                AND BENEFITS

               

            	  	33
	
            	
            	
            	
            
	 	 	7.01	  	Definitions	  	33
	 	 	7.02	  	Limitation
              on Annual Additions	  	33
	 	 	7.03	  	Limitation
              of Benefits Under All Plans	  	34
	
            	
            
	
              ARTICLE
                VIII

               

            	  	 
	
              NONDISCRIMINATION
                REQUIREMENTS

               

            	  	35
	
            	
            	
            	
            
	 	 	8.01	  	Definitions	  	35
	 	 	8.02	  	Nondiscrimination
              Requirements for 401(k) Contributions.	  	37
	 	 	8.03	  	Nondiscrimination
              Requirements for Matching Contributions and
              Employee Contributions.	  	38
	 	 	8.04	  	Distribution
              Rules for Excess Contributions and Excess Aggregate
              Contributions.	  	39
	 	 	8.05	  	Applicability
              to Safe Harbor Plan	  	40
	
            	
            
	
              ARTICLE
                IX

               

            	  	 
	
              TRUST
                FUND AND INVESTMENT
                FUNDS

               

            	  	41
	
            	
            	
            	
            
	 	 	9.01	  	Individual
              Investment Funds	  	41
	 	 	9.02	  	Direction
              of Individual Investment Funds	  	41
	 	 	9.03	  	Direction
              of ESOP Accounts	  	41
	
            	
            
	
              ARTICLE
                X

               

            	  	 
	
              AMENDMENT
                OR
                TERMINATION

               

            	  	44
	
            	
            	
            	
            
	 	 	10.01	  	Amendment	  	44
	 	 	10.02	  	Plan
              Termination or Discontinuance of Contributions	  	44
	 	 	10.03	  	Merger,
              Consolidation or Transfer of Assets	  	44
	
            	
            
	
              ARTICLE
                XI

               

            	  	 
	
              ADMINISTRATION

               

            	  	45
	
            	
            	
            	
            
	 	 	11.01	  	Plan
              Administrator’s Powers and Duties	  	45
	 	 	11.02	  	Records
              and Reports	  	45
	 	 	11.03	  	Payment
              of Expenses	  	45
	 	 	11.04	  	Claims
              Procedure	  	45
	 	 	11.05	  	Indemnification	  	46

    

     

     

    iii

     

    
    

     

    

    Table
      of
      Contents

     

    (Cont’d)

     

     

     

    
      	
            	
            	
            	
            	
            	
            	
            
	 	 	 	  	 	  	Page

              

            
	
              ARTICLE
                XII

               

            	  	 
	
              PARTICIPATING
                EMPLOYERS

               

            	  	47
	
            	
            	
            	
            
	 	 	
              12.01

               

            	  	Commencement	  	47
	 	 	
              12.02

               

            	  	Termination	  	47
	 	 	
              12.03

               

            	  	Delegation
              of Authority	  	47
	 	 	
              12.04

               

            	  	Disposition
              of Assets or Subsidiary	  	47
	
            	
            
	
              ARTICLE
                XIII

               

            	  	 
	
              SUMMARY
                OF PLAN MERGERS AND
                SPIN-OFFS

               

            	  	48
	
            	
            	
            	
            
	 	 	
              13.01

               

            	  	Merger
              of Sky ESOP Accounts Effective January 15, 2004	  	48
	 	 	
              13.02

               

            	  	Merger
              of Frozen First Western Plan Accounts Effective June 30, 2000	  	48
	 	 	
              13.03

               

            	  	Merger
              of Frozen Picton Cavanaugh Plan Accounts Effective June 30, 2000	  	49
	 	 	
              13.04

               

            	  	Merger
              of Frozen TOB Plan Accounts Effective August 1, 2000	  	49
	 	 	
              13.05

               

            	  	Transfer
              of Defined Benefit Plan Assets	  	50
	 	 	
              13.06

               

            	  	Merger
              of Three Rivers Plan Accounts Effective January 1, 2003	  	50
	 	 	
              13.07

               

            	  	Merger
              of Metropolitan Plan Accounts Effective January 1, 2004	  	51
	 	 	
              13.08

               

            	  	Merger
              of GLB Plan Accounts Effective January 1, 2004	  	51
	 	 	
              13.09

               

            	  	Merger
              of Spencer-Patterson Plan Accounts Effective April 1, 2004	  	52
	 	 	
              13.10

               

            	  	Spin-off
              of Certain Frozen Plan Accounts Effective September 30,
              1999	  	52
	
            	
            
	
              ARTICLE
                XIV

               

            	  	 
	
              LOANS
                AND IN-SERVICE
                WITHDRAWALS

               

            	  	53
	
            	
            	
            	
            
	 	 	
              14.01

               

            	  	Loans
              to Participants	  	53
	 	 	
              14.02

               

            	  	Hardship
              Distributions	  	54
	 	 	
              14.03

               

            	  	In-Service
              Withdrawals Relating to the Adrian State Bank
              Plan.	  	54
	 	 	
              14.04

               

            	  	Hardship
              Distribution from Rollover Accounts	  	55
	 	 	
              14.05

               

            	  	In-Service
              Withdrawals	  	55
	
            	
            
	
              ARTICLE
                XV

               

            	  	 
	
              EMPLOYEE
                STOCK OWNERSHIP PLAN
                PROVISIONS

               

            	  	56
	
            	
            	
            	
            
	 	 	
              15.01

               

            	  	Employee
              Stock Ownership Plan Portion	  	56
	 	 	
              15.02

               

            	  	Operation
              of Employee Stock Ownership Plan Portion.	  	56
	 	 	
              15.03

               

            	  	Election
              to Receive Dividends on Employee Stock Ownership Plan
              Portion.	  	56
	 	 	
              15.04

               

            	  	General
              Rules	  	57
	 	 	
              15.05

               

            	  	Participants’
Right
              to Vote Company Stock	  	58
	 	 	
              15.06

               

            	  	Employee
              Stock Ownership Plan Requirements	  	58
	 	 	
              15.07

               

            	  	Disaggregation
              of Employee Stock Ownership Plan Portion	  	58
	 	 	
              15.08

               

            	  	Exempt
              Loan	  	59
	
            	
            
	
              ARTICLE
                XVI

               

            	  	 
	
              MISCELLANEOUS

               

            	  	60
	
            	
            	
            	
            
	 	 	
              16.01

               

            	  	Participant’s
              Rights	  	60
	 	 	
              16.02

               

            	  	Assignment
              or Alienation of Benefits.	  	60

    

     

     

    iv

     

    
    

     

    

    Table
      of
      Contents

     

    (Cont’d)

     

     

     

    
      	
            	
            	
            	
            	
            	
            	
            
	 	 	 	  	 	  	Page

              

            
	 	 	
              16.03

               

            	  	Reversion
              of Funds to Employer	  	61
	 	 	
              16.04

               

            	  	Action
              by Company	  	61
	 	 	
              16.05

               

            	  	Allocation
              of Responsibilities	  	61
	 	 	
              16.06

               

            	  	Construction
              of Plan	  	61
	 	 	
              16.07

               

            	  	Gender
              and Number	  	62
	 	 	
              16.08

               

            	  	Headings	  	62
	 	 	
              16.09

               

            	  	Incapacity	  	62
	 	 	
              16.10

               

            	  	Employee
              Data	  	62
	 	 	
              16.11

               

            	  	Unclaimed
              Amounts	  	62
	 	 	
              16.12

               

            	  	Reduction
              for Overpayment	  	62
	 	 	
              16.13

               

            	  	Invalidity
              of Certain Provisions	  	62
	 	 	
              16.14

               

            	  	Plan
              Supplements	  	62
	
            	
            
	
              ARTICLE
                XVII

               

            	  	 
	
              TOP
                HEAVY
                PROVISIONS

               

            	  	63
	
            	
            	
            	
            
	 	 	
              17.01

               

            	  	Definitions	  	63
	 	 	
              17.02

               

            	  	Determination
              of Top Heavy Status	  	64
	 	 	
              17.03

               

            	  	Minimum
              Contribution	  	64
	 	 	
              17.04

               

            	  	Minimum
              Vesting	  	65
	
            	
            
	
              ARTICLE
                XVIII

               

            	  	 
	
              MINIMUM
                DISTRIBUTION
                REQUIREMENTS

               

            	  	66
	
            	
            	
            	
            
	 	 	
              18.01

               

            	  	General
              Rules.	  	66
	 	 	
              18.02

               

            	  	Time
              and Manner of Distribution.	  	66
	 	 	
              18.03

               

            	  	Required
              Minimum Distributions During Participant’s
              Lifetime.	  	67
	 	 	
              18.04

               

            	  	Required
              Minimum Distribution After Participant’s Death.	  	67
	 	 	
              18.05

               

            	  	Definitions	  	69

    

     

     

    v

     

    
    

     

    

    EXECUTION
      PAGE

     

     

     

    IN
      WITNESS WHEREOF, on behalf of Sky
      Financial Group, Inc., the undersigned officer has executed this amendment
      and
      restatement of the Sky Financial Group, Inc. Profit Sharing, 401(k) and ESOP
      Plan, effective as of January 1, 2004. 

     

     

     

    Dated
      this 6th
      day of April, 2004. 

     

     

     

    
      	
            	
            	
            
	
              SKY
                FINANCIAL GROUP,
                INC.

               

            
	
            	
            
	
              By:

               

            	 	
              /s/
                Thomas A.
                Sciorilli

               

              

            
	 	 	
              Thomas
                A.
                Sciorilli

               

            
	
              Its:

               

            	 	
              Senior Vice President & Chief Human Resources Officer

               

              

            
	
            	
            
	 	 	(Seal)

    

    
    

     

    

    SKY
      FINANCIAL GROUP, INC.
      PROFIT SHARING, 401(K)
AND ESOP PLAN

     

    (As
      Amended and Restated
      Effective January 1, 2004)

     

     

     

    INTRODUCTION

     

     

     

    The
      Sky Financial Group Inc. Profit
      Sharing, 401(k) and ESOP Plan (the “Plan”) was originally established as the Mid
      American National Bank & Trust Company Profit Sharing Retirement Plan,
      effective January 1, 1966. Effective July 1, 1989, Mid Am, Inc. (“Mid Am”)
      assumed sponsorship of the Plan. Mid Am last amended and restated the Plan
      effective January 1, 1995. Mid Am merged into Citizens Bancshares, Inc.
      (“Citizens”) effective October 2, 1998 (the “Merger Date”), with the resulting
      corporation renamed Sky Financial Group, Inc. (the “Company”). The Company
      became the sponsor of the Mid Am Inc. Profit Sharing and 401(k) Plan on the
      Merger Date. 

     

     

     

    Effective
      January 1, 1999, the
      Company amended and restated the Mid Am, Inc. Profit Sharing and 401(k) Plan
      as
      the Sky Financial Group Inc. Profit Sharing and 401(k) Plan. On this January
      1,
      1999 date, eligible employees of Citizens and The Ohio Bank, and eligible
      employees of their respective subsidiaries, become eligible to participate
      in
      the Plan. 

     

     

     

    Prior
      to June 30, 1999, a portion of
      the Plan (the “ESOP Portion”) was invested in Qualifying Employer Securities and
      designed to qualify as a stock bonus plan and an employee stock ownership plan
      under Code Section 4975(e)(7) and the regulations thereunder. Effective June
      30,
      1999, the ESOP Portion of the Plan was spun-off and merged into the Sky
      Financial Group, Inc. Employee Stock Ownership Pension Plan (the “Sky ESOP”).

     

     

     

    The
      frozen Mid Am, Inc. Profit
      Sharing and 401(k) Plan (the “Frozen Plan”) was merged into this Plan, and
      effective September 30, 1999, the portion of the Plan containing Participant
      Frozen Plan accounts invested in Sky Financial Group, Inc. common stock was
      spun-off and merged into the Sky ESOP. 

     

     

     

    Effective
      June 30, 2000, a portion
      of the First Western Bancorp, Inc. 401(k) Profit-Sharing and Stock Bonus Plan
      (the “First Western Plan”) was merged into, and amended and restated in the form
      of, the Plan. Effective June 30, 2000, the portion of the First Western Plan
      that was intended to constitute an employee stock ownership plan under Code
      Section 4975(e)(7) was spun-off and merged into the Sky ESOP. Also effective
      June 30, 2000, the remaining portion of the First Western Plan was amended,
      restated and merged into this Plan. 

     

     

     

    Effective
      July 1, 2000, the Picton
      Cavanaugh, Inc. Profit-Sharing Retirement Plan (the “Picton Cavanaugh Plan”) was
      merged into, and amended and restated in the form of, the Plan. Eligible
      employees of Picton Cavanaugh, Inc. were eligible to participate in the Plan
      beginning January 1, 2000. 

     

     

     

    Effective
      August 1, 2000, The Ohio
      Bank Employees’ Profit Sharing Plan (the “TOB Plan”) was merged into, and
      amended and restated in the form of, the Plan. The Company acquired The Ohio
      Bank in 1998, and The Ohio Bank became a participating Employer under this
      Plan
      effective January 1, 1999. 

     

    
    

     

    

    Effective
      as of January 1, 2004, the
      Company amended and restated the Plan as the Sky Financial Group Inc. Profit
      Sharing, 401(k) and ESOP Plan. Also effective as of January 1, 2004, the Company
      amended the Plan to add an employee stock ownership plan (“ESOP”) component
      pursuant to Code Section 4975(e)(7), which is intended to be a stock bonus
      plan
      pursuant to Code Section 401(a). The ESOP is intended to invest primarily in
      employer securities, within the meaning of Code Section 409(l), and the ESOP
      and
      profit sharing plan portions of this Plan are intended to constitute a single
      plan under Treasury Regulations Section 1.414(l)-1(b)(1). 

     

     

     

    Effective
      as of January 15, 2004,
      the Sky Financial Group, Inc. Employee Stock Ownership Pension Plan (the “Sky
      ESOP”) was merged into, and amended and restated in the form of, the Plan. Also
      effective as of January 15, 2004, the Sky ESOP was amended to cease any further
      employer contributions and benefit accruals. 

     

     

     

    The
      Sky ESOP was originally
      established as the Mid Am, Inc. Employee Stock Ownership Pension Plan, effective
      on July 1, 1989. Prior to October 2, 1998, Mid Am, Inc. (“Mid Am”) maintained
      the Mid Am Inc. Employee Stock Ownership Pension Plan (the “Mid Am ESOP”). Mid
      Am merged into Citizens Bancshares, Inc. (“Citizens”) effective October 2, 1998
      (the “Merger Date”), with the resulting corporation renamed Sky Financial Group,
      Inc. The Company became the sponsor of the Mid Am ESOP Plan on the Merger Date,
      and amended and completely restated the Mid Am ESOP Plan effective January
      1,
      1999 in the form of the Sky ESOP. Effective on the January 1, 1999 amendment
      and
      restatement date, the eligible employees of Citizens and The Ohio Bank, and
      the
      eligible employees of their respective subsidiaries, become eligible to
      participate in the Sky ESOP. Prior to December 31, 2001 (the “Citizens ESOP
      Merger Date”), the Company maintained the Citizens Bancshares, Inc. Employee
      Stock Ownership Plan (the “Citizens ESOP”) for the benefit of current and former
      employees who were employed by Citizens Bancshares, Inc. and its subsidiaries,
      and their beneficiaries. Effective on the Citizens ESOP Merger Date, the
      Citizens ESOP was merged into, and amended and restated in the form of the
      Sky
      ESOP. 

     

     

     

    Effective
      January 1, 2004, the
      Metropolitan Bank and Trust Company 401(k) Plan (the “Metropolitan Plan”) was
      merged into, and amended and restated in the form of, the Plan. The Metropolitan
      Plan was originally established effective January 1, 1992, and was last amended
      and restated effective January 1, 2002. The Company acquired Metropolitan
      Financial Corp. in 2003, and Metropolitan Financial Corp. became a participating
      Employer under this Plan effective January 1, 2004. 

     

     

     

    Effective
      January 1, 2004, the GLB
      401(k) Plan (the “GLB Plan”) was merged into, and amended and restated in the
      form of, the Plan. The Company acquired Great Lakes Bank in 2003, and Great
      Lakes Bank became a participating Employer under this Plan effective January
      1,
      2004. 

     

     

     

    This
      document is an amendment and
      restatement of the Plan generally effective as of January 1, 2004, except as
      and
      to the extent otherwise provided herein. The Company intends that the Plan,
      together with the Trust Agreement, meet all the pertinent requirements of the
      Internal Revenue Code of 1986, as amended, and the Employee Retirement Income
      Security Act of 1974, as amended, and shall be interpreted, wherever possible,
      to comply with the terms of the Code and ERISA. 

     

     

     

    -
      2 - 

     

    
    

     

    

    ARTICLE
      I

     

    DEFINITIONS

     

     

     

    In
      addition to other terms defined
      elsewhere in this Plan document, the following terms shall have the following
      meanings: 

     

     

     

    1.01
      Account or
      Accounts.“Account” or “Accounts” means the record of a Participant’s
      interest in the Trust Fund, including, where applicable, the Participant’s
      Profit Sharing Contributions Account, 401(k) Contributions Account, Matching
      Contributions Account, Safe Harbor Matching Contributions Account, Prior Plan
      Account, Rollover Contributions Account, Frozen Plan Account, Dividend
      Reinvestment Account and ESOP Account. 

     

     

     

    1.02
      Acquired Employer.
“Acquired Employer” means any organization, corporate or otherwise,
      that is acquired by the Company or a Related Entity, by purchase, merger,
      consolidation or any other method, except for asset purchase. 

     

     

     

    1.03
      Annual
      Compensation.“Annual Compensation” means a Participant’s earned income,
      wages, salaries, fees for professional services, and other amounts received
      for
      personal services actually rendered in the course of employment with the
      Employers (including, but not limited to, commissions paid to salesmen,
      compensation for services on the basis of a percentage of profits, commissions
      on insurance premiums, tips and bonuses), but excluding the following:

     

     

     

    (a)
      Employer contributions to a plan
      of deferred compensation, including this Plan, that are not included in the
      Employee’s gross income for the taxable year in which contributed, Employee
      contributions under a simplified employee pension plan to the extent such
      contributions are deductible by the Employee or any distributions from a plan
      of
      deferred compensation. 

     

     

     

    (b)
      Amounts realized from the
      exercise of a non-qualified stock option, or when restricted stock (or property)
      held by the Employee either becomes freely transferable or is no longer subject
      to a substantial risk of forfeiture; 

     

     

     

    (c)
      Amounts realized from the sale,
      exchange or other disposition of stock acquired under an incentive stock option;
      

     

     

     

    (d)
      Reimbursements or other expense
      allowances, fringe benefits (cash and noncash), moving expenses, deferred
      compensation and welfare benefits (even if included in gross income); and

     

     

     

    (e)
      Other amounts that received
      special tax benefits or contributions made by the Employer (whether or not
      under
      a salary reduction agreement) towards the purchase of an annuity described
      in
      Code Section 403(b) (whether or not the amounts are actually excludible from
      the
      gross income of the Employee). 

     

     

     

    Notwithstanding
      paragraph (a) above,
      Annual Compensation includes a Participant’s voluntary reductions in cash
      consideration made in accordance with arrangements established by the Employer
      under Code Sections 125, 132(f)(4) and 401(k). 

     

     

     

    -
      3 - 

     

    
    

     

    

    In
      addition to other applicable
      limitations set forth in the Plan, and notwithstanding any other provision
      of
      the Plan to the contrary, the Annual Compensation of each Employee taken into
      account under the Plan shall not exceed the limit set forth in Code Section
      401(a)(17)(A) ($205,000 for 2004), as adjusted by the Commissioner of Internal
      Revenue for the cost-of-living in accordance with Code Section 401(a)(17)(B).
      The cost-of-living adjustment in effect for a calendar year applies to any
      period, not exceeding 12 months, over which Compensation is determined
      (determination period) beginning in such calendar year. If a determination
      period consists of fewer than 12 months, the annual compensation limit will
      be
      multiplied by a fraction, the numerator of which is the number of months in
      the
      determination period, and the denominator of which is 12. 

     

     

     

    1.04
      Annuity Starting
      Date.“Annuity Starting Date” is defined in Section 6.04. 

     

     

     

    1.05
      Applicable
      Period. The “Applicable Period” is defined in Section 6.04.

     

     

     

    1.06
      Break in
      Service.“Break in Service” means a Plan Year in which an Employee has
      not completed more than 500 Hours of Service. 

     

     

     

    1.07
      Change in Control.
“Change in Control” means the occurrence of any one or more of the
      following events: (a) the merger or consolidation of the Company with or into
      any other corporation and the Company is not the surviving corporation; (b)
      in
      excess of 24.99% of the outstanding Company Stock is owned, held or controlled
      by an entity, person or group acting in concert with the power to control the
      Company as that term is defined in Rule 405 of the Securities Act of 1933,
      as
      amended; (c) the sale or exchange in excess of 24.99% of the assets of the
      Company to an entity, person or group acting in concert; (d) the
      recapitalization, reclassification of securities or reorganization of the
      Company that has the effect of either subpart (b) or (c) above; (e) the issuance
      by the Company of securities in an amount in excess of 24.99% of the outstanding
      Company Stock to any entity, person or group acting in concert and intending
      to
      exercise control of the Company; or (f) the removal, termination or retirement
      of more than 50% of the members of the Board of Directors of the Company during
      any consecutive 12-month period. 

     

     

     

    1.08
      Code.“Code”
means the Internal Revenue Code of 1986, as amended. 

     

     

     

    1.09
      Company.“Company” means Sky Financial Group, Inc. 

     

     

     

    1.10
      Company Stock.
“Company Stock” means the common stock of Sky Financial Group, Inc.

     

     

     

    1.11
      Company Stock Fund.
“Company Stock Fund” means the Investment Fund established by the
      Trustee within the Trust Fund that is designed to invest solely in shares of
      Company Stock. 

     

     

     

    1.12
      Disability.
“Disability” means a physical or mental condition of a Participant
      resulting from a bodily injury or disease or mental disorder and incurred while
      the Participant was in active employment with an Employer that results in the
      Participant’s cessation of active employment and renders the Participant
      eligible for benefits under the Company’s long-term disability plan.

     

     

     

    -
      4 - 

     

    
    

     

    

    1.13
      Dividend Reinvestment
      Account. “Dividend Reinvestment Account” means a Participant’s Account
      attributable to Company Stock purchased with dividends the Company pays on
      Company Stock held in the Company Stock Funds. 

     

     

     

    1.14
      Employee.
“Employee” means each and every person employed by an Employer who is
      classified by an Employer as a common law employee; provided that, only
      individuals who are paid as common law employees from the payroll of an Employer
      shall be deemed to be Employees for purposes of the Plan. Any person who agrees
      in writing with an Employer that he or she will not be a Participant will not
      be
      eligible to participate in the Plan. 

     

     

     

    For
      purposes of this definition of
      Employee, and notwithstanding any other provisions of the Plan to the contrary,
      individuals who are not classified by an Employer, in its discretion, as
      employees under Code Section 3121(d) (including, but not limited to, individuals
      classified by the Employer as independent contractors and non-employee
      consultants) and individuals who are classified by an Employer, in its
      discretion, as employees of any entity other than an Employer do not meet the
      definition of Employee and are ineligible for benefits under the Plan, even
      if
      the classification by the Employer is determined to be erroneous, or is
      retroactively revised. In the event the classification of an individual who
      is
      excluded from the definition of Employee under the preceding sentence is
      determined by a third party to be erroneous or is retroactively revised, the
      individual shall nonetheless continue to be excluded from the definition of
      Employee and shall be ineligible for benefits for all periods prior to the
      date
      the Employer determines its classification of the individual is erroneous or
      should be revised. The foregoing sets forth a clarification of the intention
      of
      the Company regarding participation in the Plan for any Plan Year, including
      Plan Years prior the amendment of this definition of Employee. 

     

     

     

    No
      person classified by an Employer
      as a temporary, seasonal or summer employee shall be deemed to be an Employee.
      No person who is classified by an Employer as an independent contractor shall
      be
      deemed to be an Employee. No person who is classified by an Employer as a
“leased employee” shall be deemed to be an Employee. “Leased employee” shall
      mean any person who is not an Employee but who provides services to an Employer
      if: 

     

     

     

    (a)
      Such services are provided
      pursuant to an agreement between the Employer and any leasing organization;
      

     

     

     

    (b)
      Such person has performed
      services for the Employer (or for the Employer and any related person within
      the
      meaning of Code Section 414(n)(6)) on a substantially full-time basis for a
      period of at least one (1) year; and 

     

     

     

    (c)
      Such services are performed
      under the primary direction or control of the Employer. 

     

     

     

    Except
      as provided below, a “leased
      employee” shall be treated as an employee of an Employer for nondiscrimination
      testing and other purposes specified in Code Section 414(n). However,
      contributions or benefits provided by the leasing organization that are
      attributable to services performed for an Employer shall be treated as provided
      by the Employer. A “leased employee” shall not be treated as an employee if such
“leased employee” is covered by a money purchase pension plan of the leasing
      organization, and the number of leased employees does not 

     

     

     

    -
      5 - 

     

    
    

     

    

    constitute
      more than 20% of the
      Employers’ “non-highly compensated work force” as defined by Code Section
      414(n)(5)(C). The money purchase pension plan of the leasing organization must
      provide benefits equal to or greater than: (i) a non-integrated employer
      contribution rate of at least 10% of compensation, (ii) immediate participation,
      and (iii) full and immediate vesting. 

     

     

     

    1.15
      Employer.“Employer” means any Related Entity with respect to the
      Company that adopts this Plan pursuant to Article XII. The term also includes
      the Company, unless the context otherwise requires. 

     

     

     

    1.16
      Entry
      Date.“Entry Date” means the first day of each calendar month in the
      Plan Year. 

     

     

     

    1.17
      ERISA.“ERISA”
means the Employee Retirement Income Security Act of 1974, as amended.
      

     

     

     

    1.18
      Hour of
      Service.“Hour of Service” means: 

     

     

     

    (a)
      Each hour for which an Employee
      is directly or indirectly paid or entitled to payment by either the Company
      or
      the Employer for the performance of duties; 

     

     

     

    (b)
      Each hour for which an Employee
      is directly or indirectly paid, or entitled to payment, by either the Company
      or
      the Employer for reasons (such as vacation, sickness, disability, or similar
      leave of absence) other than for the performance of duties, and for military
      leaves, maternity/paternity leaves or leaves for jury duty; and 

     

     

     

    (c)
      Each hour for which back pay,
      irrespective of mitigation of damages, has been either awarded or agreed to
      by
      either the Company or the Employer provided that the same Hours of Service
      shall
      not be credited under this Section (c) and Sections (a) or (b) above, as the
      case may be. 

     

     

     

    (d)
      An Employee shall also be
      credited with one Hour of Service for each hour that otherwise would normally
      have been credited to the Employee but during which such Employee is absent
      from
      work for any period (i) by reason of the Employee’s pregnancy, (ii) by reason of
      the birth of the Employee’s child, (iii) by reason of the placement of a child
      with such Employee in connection with an adoption of such child by the Employee
      or (iv) for purposes of caring for a child for a period beginning immediately
      following birth or placement, provided that an Employee shall be credited with
      no more than 501 Hours of Service on account of any single continuous period
      of
      absence by reason of any such pregnancy, birth or placement and provided further
      that Hours of Service credited to an individual on account of such a period
      of
      absence shall be credited only for the Break in Service computation period
      in
      which such absence begins if an Employee would otherwise fail to be credited
      with 501 or more Hours of Service in such period or, in any other case, in
      the
      immediately following computation period. 

     

     

     

    Hours
      of Service computed hereunder
      shall be computed in accordance with Section 2530.200b-2(b) and (c) of the
      Department of Labor Regulations, which is incorporated herein by reference.
      In
      no event shall more than 501 Hours of Service be credited for any one continuous
      period of absence during or for which the employee receives payment for
      nonperformance of duties whether or not such period occurs in a single
      computation period. 

     

     

     

    -
      6 - 

     

    
    

     

    

    1.19
      Investment
      Fund.“Investment Fund” means the funds established from time to time by
      the Plan Administrator in accordance with Section 9.02 for the investment of
      Participants’ Accounts. 

     

     

     

    1.20
      Named
      Fiduciary.“Named Fiduciary” means a fiduciary named in this document,
      or who, pursuant to a procedure specified in the Plan, is identified as a Named
      Fiduciary. 

     

     

     

    1.21
      Normal Retirement
      Age.“Normal Retirement Age” means age 65 years. 

     

     

     

    1.22
      Normal Retirement
      Date.“Normal Retirement Date” means the first day of the month
      coinciding with or next following the date on which a Participant attains Normal
      Retirement Age. If an Employee first performs an Hour of Service after attaining
      age 65, his or her Normal Retirement Date shall be the date of hire.

     

     

     

    1.23
      Participant.“Participant” means an Employee who has satisfied the
      eligibility requirements for the participation in the Plan. 

     

     

     

    1.24
      Plan.“Plan”
means the Sky Financial Group, Inc. Profit Sharing, 401(k) and ESOP
      Plan.

     

     

     

    1.25
      Plan
      Administrator.“Plan Administrator” means the Sky Financial Group, Inc.
      Benefit Plans Committee (the “Committee”). The Plan Administrator shall be the
      Plan’s Named Fiduciary. The Plan Administrator shall have no responsibility for
      the custody or management of the Trust Fund. 

     

     

     

    1.26
      Plan
      Year.“Plan Year” means the 12-month period beginning on January 1 and
      ending on the following December 31 of each year. 

     

     

     

    1.27
      Qualified
      Election.“Qualified Election” is defined in Section 6.04(e).

     

     

     

    1.28
      Qualifying Employer
      Securities.“Qualifying Employer Securities” means an Employer security
      that is common stock issued by the Company having a combination of voting power
      and dividend rights equal to or in excess of the class of Company common stock
      having the greatest voting power and the class of Company common stock having
      the greatest dividend rights, within the meaning of Code Section 4975(e)(8).
      

     

     

     

    1.29
      Related
      Entity.“Related Entity” means: (a) all corporations that are members
      with the Company in a controlled group of corporations within the meaning of
      Code Section 1563(a), determined without regard to Code Sections 1563(a)(4)
      and
      (e)(3)(c); (b) all trades or businesses (whether or not incorporated) that
      are
      under common control with the Company as determined by regulations promulgated
      under Code Section 414(c); (c) all trades or businesses that are members of
      an
      affiliated service group with the Company within the meaning of Code Section
      414(m); and (d) any other entity required to be aggregated with the Company
      in
      accordance with regulations under Code Section 414(o); provided, however, for
      purposes of Article VII, the definition shall be modified to substitute the
      phrase “more than 50%” for the phrase “at least 80%” each place it appears in
      Code Section 1563(a)(1). The term “Related Entity” shall include the predecessor
      of the Company and any Related Entity. 

     

     

     

    -
      7 - 

     

    
    

     

    

    1.30
      Sky ESOP.“Sky
      ESOP” means the Sky Financial Group, Inc. Employee Stock Ownership Pension Plan
      that was merged into, and amended and restated in the form of, the Plan,
      effective as of January 15, 2004. 

     

     

     

    1.31
      Spouse.“Spouse” means the person to whom a Participant is legally
      married as determined under the Defense of Marriage Act. 

     

     

     

    1.32
      Trust.“Trust”
means one or more Trusts established to fund the Plan. The Trustee
      shall receive
      any contributions paid to it. All contributions so received together with the
      income thereon shall be held, managed and administered in the Trust pursuant
      to
      the terms of the Plan. 

     

     

     

    1.33
      Trustee.“Trustee” means Sky Trust, N.A. The Trustee shall have the
      authority and discretion to manage and control the assets of the Plan. The
      Trustee is a Named Fiduciary. 

     

     

     

    1.34
      Trust
      Fund.“Trust Fund” means all assets of whatever kind or nature held by
      the Trustee pursuant to the terms of the Plan, unless indicated otherwise.
      The
      Trust Fund may consist of more than one trust agreement with more than one
      Trustee. 

     

     

     

    1.35
      Valuation
      Date.“Valuation Date” shall mean each business day on which the Nasdaq
      Stock Market is open. 

     

     

     

    1.36
      Year of
      Service. For purposes of determining eligibility to participate in the
      Plan in accordance with Sections 2.01(b) and 2.01(c) hereof, “Year of Service”
means a 12-consecutive month period, commencing on the date of an Employee’s
      first Hour of Service with an Employer, during which the Employee is
      continuously employed by an Employer. 

     

     

     

    (a)
      For purposes of determining a
      Participant’s nonforfeitable interest pursuant to Section 5.03, “Year of
      Service” means a Plan Year during which such Participant is credited with at
      least 1,000 Hours of Service. For purposes of Section 5.03, a Participant will
      be credited with a Year of Service if the Participant completes 1,000 Hours
      of
      Service during said period, even though the Participant is not employed for
      the
      full 12-month period. 

     

     

     

    (b)
      An Employee who does not
      initially meet the eligibility requirements of Section 2.01 and later becomes
      a
      Participant will have all Years of Service counted for Plan purposes, both
      prior
      to and subsequent to becoming a Participant, subject to paragraphs (e) and
      (f)
      below. 

     

     

     

    (c)
      In the event a terminated
      Participant is re-hired by an Employer, all Years of Service with an Employer
      shall be counted for purposes of Sections 2.01 and 5.03 hereof, subject to
      paragraphs (e) and (f) below. 

     

     

     

    (d)
      Solely for purposes of
      determining a Participant’s nonforfeitable interest pursuant to Section 5.03
      hereof, “Year of Service” means any Plan Year during which an individual was a
      leased employee (as defined in Code Section 414(n)) of the Company or any entity
      that must be aggregated with the Company under Code Sections 414(b), (c) or
      (m)
      and during which the individual earned at least 1,000 Hours of Service.

     

     

     

    -
      8 - 

     

    
    

     

    

    (e)
      If a Participant who has no
      nonforfeitable rights under Article V has five consecutive Breaks in Service,
      then the Plan shall not take into account Years of Service after such
      consecutive Breaks in Service for purposes of determining the nonforfeitable
      percentage of the Participant’s Accounts that accrued before the Break in
      Service. 

     

     

     

    (f)
      If a Participant who has no
      nonforfeitable rights incurs a Break in Service for the greater of (i) five
      or
      more consecutive Plan Years or (ii) the Participant’s accumulated Years of
      Service prior to the Break in Service, then the Plan shall not take into account
      Years of Service prior to such consecutive Breaks in Service for the purpose
      of
      determining the nonforfeitable percentage of the Participant’s Accounts that
      accrues after the Break in Service. 

     

     

     

    (g)
      Effective for Plan Years
      beginning on and after January 1, 2001, all hours, years and/or other periods
      of
      service that an Employee had with an Acquired Employer shall be credited toward
      Years of Service under the terms and conditions of this Section solely for
      purposes of determining the Employee’s (i) eligibility to participate in the
      Plan under Section 2.01, and (ii) nonforfeitable interest in his or her Accounts
      under Section 5.03. 

     

     

     

     

     

    -
      9 - 

     

    
    

     

    

    ARTICLE
      II

     

    ELIGIBILITY

     

     

     

    2.01
      Eligibility.
      Subject to the terms of this Section 2.01 and the remainder of the Plan, each
      Employee who was a Participant in the Plan as of December 31, 2003, shall
      continue to participate in the Plan on and after January 1, 2004. Each other
      Employee will become a Participant according to the following: 

     

     

     

    (a)
      Each Employee shall be eligible
      to make 401(k) Contributions provided for under Section 3.02 hereof and receive
      Employer Matching Contributions provided for under Section 3.03, beginning
      with
      the first day the Employee completes an Hour of Service, or on the first Entry
      Date thereafter, if the Employee meets both of the following requirements:
      

     

     

     

    (i)
      the Employee has attained age 18
      years; and 

     

     

     

    (ii)
      the Employee is not a member of
      a collective bargaining unit unless the collective bargaining agreement between
      the Employer and the union provides for participation in this Plan.

     

     

     

    (b)
      Except as set forth below, with
      respect to ESOP Contributions provided for under Section 3.05 of the Plan,
      each
      Employee shall participate in the Plan on the first Entry Date coincident with
      or next following the date the Employee meets all of the following requirements:
      

     

     

     

    (i)
      the Employee is credited with
      one Year of Service; 

     

     

     

    (ii)
      the Employee has attained age
      18 years; 

     

     

     

    (iii)
      the Employee is not a member
      of a collective bargaining unit unless the collective bargaining agreement
      between the Employer and the union provides for participation in this Plan;
      and

     

     

     

    (iv)
      the Employee is not subject to
      an employment agreement that provides that the Employee is not entitled to
      contributions under an employer-sponsored profit sharing or employee stock
      ownership plan. 

     

     

     

    Notwithstanding
      the foregoing, an
      Employee who completes the requirements of this Section 2.01(b) during the
      month
      of December in a Plan Year shall be eligible to participate in the Plan as
      of
      the December 1 in that Plan Year. 

     

     

     

    (c)
      Except as set forth below, with
      respect to Profit Sharing Contributions provided for under Section 3.04 of
      the
      Plan, each Employee shall participate in the Plan on the first Entry Date
      coincident with or next following the date the Employee meets all of the
      following requirements: 

     

     

     

    (i)
      the Employee is credited with
      one Year of Service; 

     

     

     

    (ii)
      the Employee has attained age
      18 years; and 

     

     

     

    -
      10 - 

     

    
    

     

    

    (iii)
      the Employee is not a member
      of a collective bargaining unit unless the collective bargaining agreement
      between the Employer and the union provides for participation in this Plan.
      

     

     

     

    Notwithstanding
      the foregoing, no
      Employee of Sky Insurance, Inc. or of any company acquired by Sky Insurance,
      Inc. by purchase, merger, consolidation or any other method will be eligible
      to
      receive Profit Sharing Contributions provided for under Section 3.04 of the
      Plan, unless such Employee’s employment agreement explicitly provides for such
      contributions. 

     

     

     

    Also
      notwithstanding the foregoing,
      an Employee who completes the requirements of this Section 2.01(c) during the
      month of December in a Plan Year shall be eligible to participate in the Plan
      as
      of the December 1 in that Plan Year. 

     

     

     

    2.02
      Eligibility Upon
      Re-employment. A former Participant, or former Employee who met the
      eligibility requirements of Sections 2.01(b) or 2.01(c) for participation in
      the
      Plan at the time he or she terminated employment, and who is subsequently
      rehired by an Employer, shall participate in the Plan on the Entry Date
      coinciding with or next following his or her re-employment by the Employer,
      if
      the Employee then meets the requirements for participation described in Section
      2.01. 

     

     

     

    -
      11 - 

     

    
    

     

    

    ARTICLE
      III

     

    CONTRIBUTIONS

     

     

     

    3.01
      Employer
      Contributions. The Plan is designed to qualify as a profit sharing plan
      for purposes of Code Sections 401(a), 402, 412 and 417. The Employer may make
      contributions to the Plan without regard to current or accumulated earnings
      and
      profits for any taxable year or years ending with or within such Plan Year.
      

     

     

     

    Prior
      to January 1, 1999, Employers’
Profit Sharing Contributions were made and invested solely in Qualifying
      Employer Securities. On and after January 1, 1999, Employers’ Profit Sharing
      Contributions could be made in cash. Each Participant’s Profit Sharing
      Contributions Account as of December 31, 1998 (including any Profit Sharing
      Contribution for the 1998 Plan Year), was renamed the Participant’s “ESOP
      Account” effective January 1, 1999, and a new Profit Sharing Contributions
      Account was established for each Participant on January 1, 1999, pursuant to
      Section 4.01. Effective June 30, 1999, the portion of the Plan consisting of
      all
      ESOP Accounts was spun off from this Plan and merged into the Sky ESOP.

     

     

     

    3.02
      401(k)
      Contributions. Each Employee who becomes eligible to participate may
      elect to defer a percentage of his or her Annual Compensation for each pay
      period that he or she remains a Participant in accordance with procedures
      established by the Plan Administrator. The Participant’s election shall be made
      at such time and in such manner as the Plan Administrator shall determine.
      The
      Participant’s election shall remain in effect until revoked or superseded by a
      subsequent election pursuant to procedures established by the Plan
      Administrator. 

     

     

     

    (a)
      Amount. A
      Participant may specify a 401(k) Contribution amount equal to any whole
      percentage of his or her Annual Compensation; provided that a Participant may
      not elect a 401(k) Contribution from his or her annual salary of more than
      seventy-five percent (75%) of such annual salary (or such other maximum
      percentage as the Plan Administrator may from time to time specify).

     

     

     

    (b)
      Change. A
      Participant may change the specified percentage of 401(k) Contributions at
      any
      time, but not retroactively, by making a revised election, unless the Plan
      Administrator shall specify that changes are permitted less frequently.

     

     

     

    (c)
      Suspension. A
      Participant may suspend his or her election to make 401(k) Contributions at
      any
      time, but not retroactively. 

     

     

     

    (d)
      Compensation
      Reduction. A Participant’s Annual Compensation for a Plan Year shall be
      reduced by the amount of the 401(k) Contribution that the Participant elects
      for
      such Plan Year. 

     

     

     

    (e)
      Election. All
      elections shall be made at the time, in the manner, and subject to the
      conditions specified by the Plan Administrator, who shall prescribe uniform
      and
      nondiscriminatory rules for such elections. 

     

     

     

    (f)
      Timing of
      Contributions. The Employers shall pay over to the Trust Fund all
      Participants’ 401(k) Contributions made under this Section 3.02 with respect to
      a Plan Year as of the earliest day on which such amounts can reasonably be
      segregated from the Employer’s 

     

     

     

    -
      12 - 

     

    
    

     

    

    general
      assets; provided, however
      that such contributions shall be made no later than the fifteenth business
      day
      of the month following the date on which such amounts would otherwise have
      been
      payable to the Participant in cash, or as of such earlier or later date (in
      the
      case of any available extensions of time) as may be required or permitted by
      regulations issued pursuant to ERISA. Contributions made by Employers under
      this
      Section shall be allocated to the 401(k) Accounts of the Participants from
      whose
      Annual Compensation the contributions were withheld in an amount equal to the
      amount withheld. Such contributions shall be deemed to be employer contributions
      made on behalf of Participants to a qualified cash or deferred arrangement
      (within the meaning of Code Section 401(k)(2)). 

     

     

     

    (g)
      Nondiscrimination
      Limitations. For each Plan Year in which the Employer makes Safe Harbor
      Matching Contributions pursuant to Section 3.03 that satisfy the requirements
      of
      Code Sections 401(k)(12), Sections 8.01 through 8.04 hereof will not apply.
      In
      any Plan Year in which the Employer does not make Safe Harbor Matching
      Contributions pursuant to Section 3.03 that comply with Code Section 401(k)(12),
      Sections 8.01 through 8.04 hereof will apply. 

     

     

     

    (h)
      Exclusion
      Limitations. Except as provided herein, the Employer shall contribute
      to the Plan on behalf of the Participant the full amount of the 401(k)
      Contribution authorized by each Participant. In no event, however, shall a
      Participant’s 401(k) Contributions to the Plan for any calendar year exceed the
“Applicable Dollar Amount” specified in Code Section 402(g)(1)(B) ($13,000 for
      2004). The Employer shall automatically discontinue 401(k) Contributions for
      the
      remainder of the year on behalf of a Participant who reaches this limitation.
      If
      due to a mistake in fact, a 401(k) Contribution in excess of the Applicable
      Dollar Amount is allocated in a calendar year to the 401(k) Contribution Account
      of any Participant, the expectation is that the Trustee will return to such
      Participant the portion of his or her 401(k) Contribution in excess of the
      Applicable Dollar Amount plus any earnings and less any losses attributable
      to
      such excess not later than the April 15 immediately following the calendar
      year
      during which such excess contribution was made. If in a calendar year a
      Participant’s 401(k) Contributions under the Plan, when aggregated with any
      other elective deferrals made by such Participant in such calendar year to
      any
      other qualified retirement plan under Code Sections 401(k), 403(b), 408(k)
      and
      414(p), whether or not maintained by an Employer, would otherwise exceed the
      Applicable Dollar Amount, such Participant may before the March 1 immediately
      following such calendar year notify the Plan Administrator in writing as to
      the
      portion of the amount in excess of the Applicable Dollar Amount to be allocated
      to the Plan, and the Plan Administrator may, but is not required to, direct
      the
      Trustee to pay to such Participant the amount of the excess that was allocated
      to the Plan by such Participant plus any earnings allocated to such excess
      amount before the April 15 immediately following the calendar year during which
      the excess contribution was made. The Applicable Dollar Amount contained in
      this
      Section shall be automatically adjusted in accordance with Code Sections
      402(g)(4). 

     

     

     

    3.03
      Matching
      Contributions. For each pay period beginning on or after the first
      Entry Date on which the Participant has satisfied the eligibility requirements
      of Section 2.01(a) the Employer shall contribute to the Trust Fund on behalf
      of
      each Participant an amount equal to (i) 100% of the first 3% of the 401(k)
      Contributions for the pay period, and (ii) 50% of the next 2% of 401(k)
      Contributions made for the pay period. Matching Contributions made pursuant
      to
      this Section 3.03 shall be deemed “Safe Harbor Matching Contributions” and are
      intended to satisfy the requirements of Code Sections 401(k)(12) and 401(m)(11).
      For each Plan Year in 

     

     

     

    -
      13 - 

     

    
    

     

    

    which
      the Employer makes Safe Harbor
      Matching Contributions pursuant to this Section 3.03 that satisfy the
      requirements of Code Sections 401(m)(11), Sections 8.01 through 8.04 hereof
      will
      not apply. Matching Contributions shall be periodically contributed by the
      Employer to the Trust Fund in accordance with the Employer’s established payroll
      procedures in a manner uniformly applied to all Participants similarly situated.
      

     

     

     

    Notwithstanding
      the foregoing, no
      later than the end of each Plan Year, if any Participant’s account was not
      credited with the full amount of Matching Contributions to which he or she
      was
      entitled under the terms of the Plan (for example, where the Participant did
      not
      make 401(k) Contributions of at least 3% during a pay period because such
      Participant had already made 401(k) Contributions for the Plan Year up to the
      limit prescribed under Code Section 402(g)), such Participant shall receive
      an
      adjusted Matching Contribution as soon as administratively feasible after
      December 31 of such Plan Year. The adjusted Matching Contribution shall equal
      the amount that would have been credited on behalf of the Participant under
      the
      terms of the Plan absent the fact that the Participant did not make 401(k)
      Contributions of at least 3% during a pay period, less the amount actually
      credited to him or her. 

     

     

     

    (a)
      Nondiscrimination
      Limitations. Contributions to a Participant’s Matching Contributions
      Account must meet the nondiscrimination requirements of Code Section 401(m)
      pursuant to Section 8.03 hereof. 

     

     

     

    (b)
      Timing of
      Contributions. Matching Contributions shall be periodically contributed
      by the Employer to the Trust Fund in accordance with the Employer’s established
      payroll procedures in a manner uniformly applied to all Participants similarly
      situated. 

     

     

     

    3.04
      Profit Sharing
      Contributions. Each year the Employers may make a Profit Sharing
      Contribution to the Trust Fund in such amounts as the Company, in its sole
      discretion, shall determine. Profit Sharing Contributions shall be held and
      administered in trust by the Trustee according to the terms and conditions
      of
      the Plan and Trust. To the extent that the Trust has obligations arising from
      an
      extension of credit to the Trust that is payable in cash within one year of
      the
      date of the Employer’s contribution is made, such contribution will be paid to
      the Trust in cash. Any such contribution shall be allocated in accordance with
      Section 4.02 hereof, to those Participants eligible to receive such contribution
      in accordance with Section 2.01(c). 

     

     

     

    The
      Employer’s Profit Sharing
      Contribution, if any, shall be made to the Trustee in full within such time
      as
      may be permitted for Federal Income Tax purposes to obtain a deduction for
      the
      contribution by the Employer for such taxable year. 

     

     

     

    3.05
      ESOP
      Contributions. Each year the Employer will make an ESOP Contribution to
      the Trust Fund on behalf of each Participant eligible to receive such
      contribution, including a Participant who continues in the employ of the
      Employer after his or her Normal Retirement Date, in an amount equal to three
      percent (3%) of the eligible Participant’s Annual Compensation. ESOP
      Contributions shall be held and administered in trust by the Trustee according
      to the terms and conditions of the Plan and Trust. Any such contribution shall
      be allocated in accordance with Section 4.02 hereof, to those Participants
      eligible to receive such contribution in accordance with Section 2.01(b).

     

     

     

    -
      14 - 

     

    
    

     

    

    ESOP
      Contributions will be paid in
      cash or shares of Company Stock. Shares of Company Stock will be valued at
      their
      current fair market value. To the extent that the Trust has obligations arising
      from an extension of credit to the Trust which is payable in cash within one
      year of the date the Employer’s contribution is made, such contribution will be
      paid to the Trust in cash. 

     

     

     

    The
      annual contribution of the
      Employer shall be made to the Trustee in full within such time as may be
      permitted for Federal Income Tax purposes to obtain a deduction for the
      contribution by the Employer for such taxable year. 

     

     

     

    3.06
      Catch-Up
      Contributions. The Plan will permit each “Catch-Up Eligible
      Participant” to make 401(k) Contributions in excess of the applicable limits set
      forth in paragraph (c) below (“Catch-Up Contributions”) in any Plan Year.
      Catch-up Contributions may be pro-rated over the course of the Plan Year and
      shall only be available if a Participant’s 401(k) Contribution election would
      cause the Participant to exceed the applicable limits set forth in paragraph
      (c)
      below. Whether a contribution by a Participant qualifies as a Catch-up
      Contribution will be determined at the end of the Plan Year, and any
      Contribution that was intended to be a Catch-up Contribution but fails to
      qualify as such shall be recharacterized as a 401(k) Contribution. 

     

     

     

    (a)
      The Plan shall not permit a
      Participant to make Catch-Up Contributions in any Plan Year that exceed the
      lesser of: 

     

     

     

    (i)
      the applicable dollar limit
      prescribed by Code Section 414(v) (e.g., $3,000 for Plan Year 2004); and

     

     

     

    (ii)
      the excess (if any) of (A) the
      Participant’s compensation (as defined in Code Section 415(c)(3)) for the year,
      over (B) any other 401(k) Contributions the Catch-Up Eligible Participant makes
      for the Plan Year, other than Catch-Up Contributions under this Section 3.06.
      

     

     

     

    (b)
      Catch-Up Contributions to the
      Plan under this Section 3.06 shall not, with respect to the Plan Year in which
      the contribution is made: 

     

     

     

    (i)
      be taken into account in
      applying the limits of Code Sections 401(a)(30), 401(k)(11), 402(h), 402A(c)(2),
      403(b)(1)(E), 404(h), 408(k), 408(p), 415 or 457 to other contributions or
      benefits under the Plan or under any other plan of the Employers; 

     

     

     

    (ii)
      cause the Plan to be treated as
      failing to meet the requirements of Code Sections 401(a)(4), 401(k)(3),
      401(k)(8), 402(g), 403(b)(12), 408(k), 410(b) or 416 by reason of the making
      of
      (or the right to make) Catch-Up Contributions. 

     

     

     

    For
      all other purposes of the Plan,
      Catch-Up Contributions shall be treated as 401(k) Contributions. 

     

     

     

    (c)
      For purposes of this Section
      3.06, the term “Catch-Up Eligible Participant” means, with respect to any Plan
      Year, each Participant in the Plan who: (i) has attained, or will attain, age
      50
      before the close of the Plan Year, and (ii) who is otherwise eligible to make
      401(k) 

     

     

     

    -
      15 - 

     

    
    

     

    

    Elections
      during the Plan Year,
      except by reason of the application of any limitation or other restriction
      described in Code Section 401(a)(30), 402(h), 403(b)(1)(E), 404(h), 408(k),
      408(p), 415, 457, 401(k)(8)(C) or 408(k)(6) or any comparable limitation or
      restriction contained in the terms of the Plan. 

     

     

     

    3.07
      Catch-Up Matching
      Contributions. Effective for Plan Years beginning after December 31,
      2001, each Employer may contribute for each Catch-Up Eligible Participant in
      its
      employ at the end of the Plan Year an amount (“Catch-Up Matching Contributions”)
      based on the Catch-Up Contributions, if any, made by the Catch-Up Eligible
      Participant during such Plan Year. Each Employer will determine the amount
      of
      any Catch-Up Matching Contribution in its discretion, subject to the limitations
      described in Section 7.02. Any Catch-Up Matching Contributions shall be paid
      to
      the Trustee no later than the time required for the filing of the Employer’s
      federal income tax returns for its fiscal year in which such Plan Year ends,
      including extensions of time thereof. For all other purposes of the Plan,
      Catch-Up Matching Contributions shall be treated as Matching Contributions.
      

     

     

     

    3.08
      Rollover
      Contributions. The Trustee may accept transfers on behalf of a
      Participant from: 

     

     

     

    (a)
      a qualified pension, profit
      sharing or stock bonus plan maintained by a former employer of the Participant;
      

     

     

     

    (b)
      a previously qualified pension,
      profit sharing or stock bonus plan maintained by the Employer; 

     

     

     

    (c)
      a “rollover” Individual
      Retirement Account as that term is defined in Code Section 408(d)(3)(A)(ii);
      

     

     

     

    (d)
      a plan in which assets are held
      on behalf of an Owner-Employee as defined in Code Section 401(c)(3), which
      satisfies the applicable requirements of Code Sections 401(a) and 401(d) and
      with respect thereto: (i) the transferred funds shall be maintained in separate
      accounts in the name of the respective Participants; and (ii) a Participant’s
      interest in the separate account shall be nonforfeitable; 

     

     

     

    (e)
      an annuity contract described in
      Code Section 403(b); or 

     

     

     

    (f)
      an eligible plan under Code
      Section 457(b) that is maintained by a state, political subdivision of a state,
      or any agency or instrumentality of a state or political subdivision of a state.
      

     

     

     

    Notwithstanding
      the above, no direct
      transfer may be made from a plan maintained by the Company that is subject
      to
      the requirements of Code Section 401(a)(11)(A). 

     

     

     

    3.09
      Special Rules Relating
      to Veterans Re-employment Rights Under USERRA. Effective December 12,
      1994, the following special provisions shall apply to an Employee or Participant
      who is re-employed in accordance with the re-employment provisions of the
      Uniformed Services Employment and Re-employment Rights Act (USERRA) following
      a
      period of qualifying military service (as determined under USERRA):

     

     

     

    (a)
      Each period of qualifying
      military service served by an Employee or Participant shall, upon such
      re-employment with an Employer, be deemed to constitute service with the
      Employer for all purposes of the Plan. 

     

     

     

    -
      16 - 

     

    
    

     

    

    (b)
      The Participant shall be
      permitted to make up 401(k) Contributions missed during the period of qualifying
      military service. The Participant shall have a period of time beginning on
      the
      date of the Participant’s re-employment with an Employer following his or her
      period of qualifying military service and extending over the lesser of (i)
      the
      Participant’s period of qualifying military service multiplied by three, and
      (ii) 5 years, to make up such missed 401(k) Contributions. 

     

     

     

    (c)
      If the re-employed Participant
      elects to make up 401(k) Contributions in accordance with paragraph (b) above,
      the Employer shall make any Matching Contributions that would have been made
      on
      behalf of such Participant had the Participant made such 401(k) Contributions
      during the period of qualifying military service. 

     

     

     

    (d)
      If the Employer made any Profit
      Sharing Contributions to the Plan during the period of qualifying military
      service, the Employer shall make a Profit Sharing Contribution on behalf of
      the
      Participant upon the Participant’s re-employment following his or her period of
      qualifying military service, in the amount that would have been made on behalf
      of such Participant had the Participant been employed during the period of
      qualifying military service. 

     

     

     

    (e)
      If the Employer made any ESOP
      Contributions to the Plan during the period of qualifying military service,
      the
      Employer shall make an ESOP Contribution on behalf of the Participant upon
      the
      Participant’s re-employment following his or her period of qualifying military
      service, in the amount that would have been made on behalf of such Participant
      had the Participant been employed during the period of qualifying military
      service. 

     

     

     

    (f)
      The Plan shall not (i) credit
      earnings to a Participant’s Accounts with respect to any 401(k) or Matching
      Contribution before such contribution is actually made, or (ii) make up any
      allocation of forfeitures, with respect to the period of qualifying military
      service. A re-employed Participant shall be entitled to accrued benefits
      attributable to 401(k) Contributions only if such contributions are actually
      made. 

     

     

     

    (g)
      For all purposes under the Plan,
      including an Employer’s liability for making contributions on behalf of a
      re-employed Participant as described above, the Participant shall be treated
      as
      having received Annual Compensation from the Employer based on the rate of
      Annual Compensation the Participant would have received during the period of
      qualifying military service, or if that rate is not reasonably certain, on
      the
      basis of the Participant’s average rate of Annual Compensation during the
      12-month period immediately preceding such period. 

     

     

     

    (h)
      If a Participant makes a 401(k)
      Contribution or the Employer makes a Matching Contribution in accordance with
      the foregoing provisions of this Section 3.09: 

     

     

     

    (i)
      such contributions shall not be
      subject to any otherwise applicable limitation under Code Section 402(g), 404(a)
      or 415, and shall not be taken into account in applying such limitations to
      other Participant or Employer contributions under the Plan or any other plan
      with respect to the year in which such contributions are made, and such

     

     

     

    -
      17 - 

     

    
    

     

    

    contributions
      shall be subject to
      these limitations only with respect to the year to which such contributions
      relate and only in accordance with regulations prescribed by the Internal
      Revenue Service; and 

     

     

     

    (ii)
      the Plan shall not be treated
      as failing to meet the requirements of Code Section 401(a)(4), 401(a)(26),
      401(k)(3), 401(k)(11), 401(k)(12), 401(m), 410(b) or 416 by reason of such
      contributions. 

     

     

     

    3.10
      Automatic 401(k)
      Contributions. The Company may, in its sole discretion, implement an
      automatic 401(k) Contribution feature as to all Employees who first become
      eligible under Section 2.01(a) of the Plan, effective as of any date the Company
      specifies in the future. Pursuant to this automatic 401(k) Contribution feature,
      the Plan Administrator will withhold a 401(k) Contribution amount equal to
      3% of
      the Annual Compensation of each Employee who first becomes eligible under
      Section 2.01(a) after the effective date the Company specifies for the automatic
      401(k) Contribution feature, as if the Participant had elected to defer that
      percentage of his or her Annual Compensation for each pay period. The
      Participant’s deemed election shall remain in effect until the Participant files
      a subsequent election revoking or superseding the deemed election, pursuant
      to
      procedures established by the Plan Administrator. 

     

     

     

    (a)
      A Participant may suspend his or
      her deemed election to make 401(k) Contributions at any time, but not
      retroactively. A Participant may change the deemed election percentage at any
      time, but not retroactively, by making a revised election, unless the Plan
      Administrator specifies that changes are permitted less frequently.

     

     

     

    (b)
      401(k) Contributions deemed
      authorized by each Participant and contributed by the Employer pursuant to
      Section 3.02 hereof, shall be credited to the Participant’s 401(k) Contributions
      Account. If the Participant does not direct the manner in which such
      Contributions are to be invested among the Investment Funds, the Plan
      Administrator shall specify an Investment Fund or Funds into which such
      Contributions will be invested. 

     

     

     

    (c)
      The Company intends that this
      Section 3.05 comply, and be administered in accordance with, the provisions
      of
      Revenue Ruling 2000-8, and any successor Revenue Ruling thereto. 

     

     

     

    -
      18 - 

     

    
    

     

    

    ARTICLE
      IV

     

    ALLOCATIONS

     

     

     

    4.01
      Participant Accounts.
The Plan Administrator shall direct the Trustee to maintain such
      separate Accounts for each Participant as the Plan Administrator shall from
      time
      to time determine, including the following: 

     

     

     

    (a)
Profit
      Sharing
      Contributions Account. The amount of the Employer’s Profit Sharing
      Contribution to the Trust Fund pursuant to Section 3.04 hereof and allocated
      pursuant to Section 4.02(a) hereof, and any amount allocated to a Participant’s
      Profit Sharing Account pursuant to Article XIII, together with such
      Participant’s share of all income, gains and accumulations thereon, shall be
      credited and losses debited to each Participant’s Profit Sharing Contributions
      Account. 

     

     

     

    (b)
401(k)
      Contributions
      Account. 401(k) Contributions authorized by each Participant and
      contributed by the Employer pursuant to Section 3.02 or 3.06 hereof, and any
      amount allocated to a Participant’s 401(k) Contributions Account pursuant to
      Article XIII, together with such Participant’s share of all income, gains and
      accumulations thereon, shall be credited and losses debited to each
      Participant’s 401(k) Contributions Account. 

     

     

     

    (c)
Matching
      Contributions
      Account. Matching Contributions made by the Employer pursuant to
      Section 3.03 or 3.07 hereof, and any amount allocated to a Participant’s
      Matching Contribution Account pursuant to Article XIII, together with such
      Participant’s share of all income, gains and accumulations thereon, shall be
      credited and losses debited to such Participant’s Matching Contributions
      Account. Notwithstanding the foregoing, Safe Harbor Matching Contributions
      made
      on or after January 1, 2003, pursuant to Section 3.03 hereof, together with
      such
      Participant’s share of all income, gains and accumulations thereon, shall be
      credited and losses debited to such Participant’s Safe Harbor Matching
      Contributions Account, which will be a subaccount of his or her Matching
      Contributions Account.

     

     

     

    (d)
Prior
      Plan
      Account. Amounts transferred from a previous qualified plan of an
      Employer, together with such Participant’s share of income, gains and
      accumulations thereon, shall be credited and losses debited to each
      Participant’s Prior Plan Account. 

     

     

     

    (e)
Rollover
      Contributions
      Account. Rollover Contributions made by a Participant pursuant to
      Section 3.08 hereof, together with such Participant’s shares of all income,
      gains and accumulations thereon, shall be credited and losses debited to such
      Participant’s Rollover Contributions Account. 

     

     

     

    (f)
Frozen
      Plan
      Account. Amounts transferred to this Plan as a result of the merger of
      the frozen Mid Am, Inc. Profit Sharing and 401(k) Plan (the “Frozen Plan”) into
      this Plan, and remaining in this Plan under the terms of Section 13.10, together
      with such Participant’s share of income, gains and accumulations thereon, shall
      be credited and losses debited to each Participant’s Frozen Plan Account.

     

     

     

    (g)
ESOP
      Account.
      The amount of the Employer’s ESOP Contribution to the Trust Fund pursuant to
      Section 3.05 hereof and allocated pursuant to Section 4.03 hereof, and any
      amount allocated to a Participant’s ESOP Account pursuant to Section 13.01,
      together with such Participant’s share of all income, gains and accumulations
      thereon, shall be credited and losses debited to each Participant’s ESOP
      Account. 

     

     

     

    -
      19 - 

     

    
    

     

    

    4.02
      Allocation of Profit
      Sharing Contributions. Effective as of the last day of each Plan Year,
      any amount contributed by the Employers pursuant to Section 3.04 hereof shall
      be
      allocated and credited to the Profit Sharing Contributions Account of each
      eligible Participant. An allocation will be made only if the Participant was
      employed by the Employer on the last day of such Plan Year and was credited
      with
      at least 1,000 Hours of Service during such Plan Year, except that any
      Participant who incurred a Disability, died or terminated employment with the
      Employer on or after attaining Normal Retirement Age during such Plan Year
      shall
      receive an allocation. 

     

     

     

    Allocations
      of Profit Sharing
      Contributions shall be determined in the same proportion that such Participant’s
      Annual Compensation bears to the total Annual Compensation of all Participants
      eligible to share in the Employers’ Profit Sharing Contribution for such Plan
      Year. For this purpose, Annual Compensation shall (i) only include compensation
      earned while the Participant was an Employee of an Employer, and (ii) include
      compensation for the entire Plan Year, even if the Participant first became
      a
      Participant during the Plan Year.

     

     

     

    4.03
      Allocation of ESOP
      Contributions. Effective as of the last day of each Plan Year, any
      amount contributed by the Employers pursuant to Section 3.05 hereof shall be
      allocated and credited to the ESOP Account of each eligible Participant. An
      allocation will be made only if the Participant was employed by the Employer
      on
      the last day of such Plan Year and was credited with at least 1,000 Hours of
      Service during such Plan Year, except that any Participant who incurred a
      Disability, died or terminated employment with the Employer on or after
      attaining Normal Retirement Age during such Plan Year shall receive an
      allocation. 

     

     

     

    Allocations
      of ESOP Contributions
      shall be determined in the same proportion that such Participant’s Annual
      Compensation bears to the total Annual Compensation of all Participants eligible
      to share in the Employers’ ESOP Contribution for such Plan Year. For this
      purpose, Annual Compensation shall (i) only include compensation earned while
      the Participant was an Employee of an Employer, and (ii) include compensation
      for the entire Plan Year, even if the Participant first became a Participant
      during the Plan Year.

     

     

     

    4.04
      Allocation of 401(k)
      Contributions. All 401(k) Contributions made by the Employers pursuant
      to Section 3.02 for any pay period shall be allocated and credited to the 401(k)
      Contributions Account of each eligible Participant who made 401(k) Contributions
      for that pay period, according to such Participant’s 401(k) Contributions for
      the pay period. All Catch-Up Contributions made by the Employer pursuant to
      Section 3.06 for any pay period shall be allocated and credited to the 401(k)
      Contributions Account of each Catch-Up Eligible Participant who made Catch-Up
      Contributions for that pay period, according to such Catch-Up Eligible
      Participant’s Catch-Up Contributions for the pay period. 

     

     

     

    4.05
      Allocation of Matching
      Contributions. Any Matching Contributions made by the Employers
      pursuant to Section 3.03 or 3.07 for any pay period shall be allocated and
      credited to the Matching Contributions Account of each eligible Participant
      who
      made 401(k) Contributions for that pay period, according to such Participant’s
      401(k) Contributions for the 

     

     

     

    -
      20 - 

     

    
    

     

    

    pay
      period. Any Catch-Up Matching
      Contributions made by the Employers pursuant to Section 3.07 for any pay period
      shall be allocated and credited to the Matching Contributions Account of each
      eligible Participant who made Catch-Up Contributions for that period. Such
      allocations shall be determined in the same proportion that such Participant’s
      Annual Compensation bears to the total Annual Compensation of all Participant’s
      eligible to share in the Employer’s Catch-Up Matching Contribution for such pay
      period. For this purpose, Annual Compensation shall (i) only include
      compensation earned while the Participant was an Employee of an Employer, and
      (ii) include compensation for the entire Plan Year, even if the Participant
      first became a Participant during the Plan Year. 

     

     

     

    4.06
      Allocation of
      Investment Gain or Loss. Any net gain or net loss resulting from the
      operation of the Investment Funds of the Trust for such year, determined in
      accordance with Article IX hereof, shall be allocated by the Trustee to the
      respective Participant’s Accounts in proportion to the value of the respective
      interests in the Investment Fund immediately preceding such revaluation.

     

     

     

    4.07
      Allocation of Cash
      Dividends. Cash dividends on Company Stock allocated to a Participant’s
      Company Stock Funds shall be credited to the Participant’s Dividend Reinvestment
      Account, to the extent the Cash Dividends are not distributed directly to the
      Participant outside of the Plan pursuant to a Dividend Payment Election under
      Section 15.03. 

     

     

     

    4.08
      Valuations.
      The Trust Fund and each Investment Fund shall be valued by the Trustee at fair
      market value as of each Valuation Date. The “adjusted net worth” of an
      Investment Fund as of any Valuation Date means the net worth of that Investment
      Fund as determined by the Trustee in accordance with the provisions of the
      Trust
      Agreement. 

     

     

     

    4.09
      Allocation of Gain or
      Loss. Any increase or decrease in the market value of each Investment
      Fund of the Trust Fund since the preceding Valuation Date and all income earned,
      expenses incurred and realized profits and losses, shall be determined in
      accordance with accounting methods uniformly and consistently applied and shall
      be added to or deducted from the Account of each Participant based on the amount
      of a Participant’s Account in such Investment Fund at the prior Valuation Date
      in accordance with non-discriminatory procedures and rules adopted by the Plan
      Administrator. Before reallocation, the Accounts of the Participants shall
      be
      reduced by any payments made thereon in the period. At the Plan Administrator’s
      discretion uniformly applied, administrative expenses directly connected or
      associated with a particular Participant’s Account may be charged to the
      Account. Notwithstanding the foregoing, allocation shall not be required to
      the
      extent the Trust Fund, or any Investment Fund thereof, is administered in a
      manner that permits separate valuation of each Participant’s interest therein
      without separate incremental cost to the Plan or the Plan Administrator
      otherwise provides for separate valuation. 

     

     

     

    4.10
      Annual Report to
      Participants. The Plan Administrator shall notify each Participant in
      writing of the financial status of his or her Accounts as of the last day of
      each Plan Year. 

     

     

     

    -
      21 - 

     

    
    

     

    

    ARTICLE
      V

     

    BENEFITS
      TO
      PARTICIPANTS

     

     

     

    5.01
      Upon Retirement or
      Disability. When a Participant attains Normal Retirement Age, or incurs
      a Disability, the entire interest in the Participant’s Accounts, including the
      amount of any contributions for the Plan Year in which the Participant’s
      termination of employment with the Employers on or after his or her Normal
      Retirement Date or Disability occurs, shall become nonforfeitable. A Participant
      who remains in the employment of the Employers after the Participant attains
      Normal Retirement Age shall continue to participate in the Plan. 

     

     

     

    5.02
      Upon Death.
      Upon the death of a Participant, the entire interest in the Participant’s
      Accounts, including the amount of any contributions for the Plan Year in which
      the Participant’s death occurs, shall become nonforfeitable. The Plan
      Administrator, in accordance with the provisions of Article VI of the Plan,
      shall then direct the Trustee to distribute the entire interest in the
      Participant’s Accounts to such Participant’s designated beneficiary or
      beneficiaries. The Plan Administrator may require proper proof of death and
      evidence of the right of any person to receive payment of the entire interest
      in
      the Accounts of the deceased Participant as the Plan Administrator deems
      desirable and the Plan Administrator’s determination shall be conclusive. The
      Trustee shall make such distribution as soon as administratively feasible
      following the Participant’s death and in accordance with the rules and
      procedures established by the Plan Administrator. 

     

     

     

    Unless
      the Participant has made a
      Qualified Election, the Trustee shall make all payments to the Participant’s
      spouse in a lump sum, or, if applicable, in a ESOP Qualified Pre-Retirement
      Survivor Annuity pursuant to Section 6.02. Each Participant, by written
      instrument delivered to the Plan Administrator, shall have the unqualified
      right
      to designate, and from time to time change, the beneficiary or beneficiaries
      to
      receive the entire interest in his Accounts in the event of his death, subject
      to the Qualified Election requirements in Section 6.04(e). 

     

     

     

    In
      the event that (i) the
      Participant fails to designate a beneficiary or beneficiaries or (ii) the Plan’s
      records of beneficiary designations are lost or destroyed, then the entire
      interest in the Participant’s Accounts shall be distributed first to the
      Participant’s spouse if then living, or second to the Participant’s estate. In
      the event that the Participant (i) designates a beneficiary who predeceases
      the
      Participant or (ii) designates a beneficiary who disclaims the benefit under
      the
      Plan, then such beneficiary’s entire interest in the Participant’s Accounts
      shall be distributed first to the Participant’s spouse if then living, or second
      to the Participant’s estate. 

     

     

     

    5.03
      Nonforfeitable Interest
      Upon Termination of Employment. Upon termination of a Participant’s
      employment for any reason other than Disability, death or termination of
      employment with the Employer after attaining the Normal Retirement Age, the
      Trustee shall, in accordance with the provisions of Section 6.01 of the Plan
      and
      at the instruction of the Plan Administrator, distribute to the Participant
      the
      entire interest then constituting his or her 401(k) Contributions Account,
      Safe
      Harbor Matching Contributions Account, Dividend Reinvestment Account and
      Rollover Contributions Account, which are always nonforfeitable, and the
      nonforfeitable interest in the Participant’s Matching Contributions Account,
      Profit Sharing Contributions Account, ESOP Account, Frozen Plan Account and
      Prior Plan Account based on the Participant’s Years of Service determined in
      accordance with the applicable schedule below: 

     

     

     

    
      	
            	
            	
            
	Years of Service

              

            	 	Nonforfeitable Interest

              

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

    

     

     

    -
      22 - 

     

    
    

     

    

    (a)
      Any Participant who, prior to
      January 1, 1999, was a Participant in the Mid Am, Inc. Profit Sharing and 401(k)
      Plan, and who has completed at least three Years of Service as of January 1,
      1999, may elect in writing to have his or her nonforfeitable interest computed
      under the Plan’s five year cliff vesting schedule in effect prior to January 1,
      1999, by the later of: (i) the Participant’s termination of employment with the
      Employers, or (ii) the date that is 60 days after the day the Plan Administrator
      gives written notice of the Plan amendment to the Participant. 

     

     

     

    (b)
      In the event the nonforfeitable
      interest schedule is amended, or the nonforfeitable interest schedule of an
      existing plan is amended by the Plan, then any Participant who has completed
      at
      least three Years of Service on the later of the date the amendment is adopted,
      or the date the amendment is effective may elect in writing to have his or
      her
      nonforfeitable interest computed under the prior applicable nonforfeitable
      interest schedule, beginning on the date the Plan amendment is adopted and
      ending on the later of: (i) the Participant’s termination of employment with the
      Employers, (ii) the date that is 60 days after the day the Plan amendment is
      adopted, (iii) the date that is 60 days after the day the Plan amendment becomes
      effective, or (iv) the date that is 60 days after the day the Plan Administrator
      gives written notice of the Plan amendment to the Participant. 

     

     

     

    (c)
      Notwithstanding any contrary
      provision of this Plan, each Participant who was an employee of Sky Investments,
      Inc. on March 7, 2001, the effective date of the sale of Sky Investments, Inc.,
      acquired a 100% nonforfeitable interest in his or her Accounts under the Plan
      as
      of that date. 

     

     

     

    (d)
      Notwithstanding any contrary
      provision of this Plan, a Participant shall always be 100% vested in his or
      her
      Dividend Reinvestment Account without regard to the vested percentage of
      underlying stock. 

     

     

     

    (e)
      Each Participant in the Mid Am
      Inc. Employee Stock Ownership Pension Plan and/or the Mid Am, Inc. Profit
      Sharing and 401(k) Plan on October 2, 1998, the effective date of the merger
      of
      Mid Am, Inc. into Citizens Bancshares, Inc., acquired a 100% nonforfeitable
      interest in his or her Account under the Mid Am Inc. Employee Stock Ownership
      Pension Plan and the Mid Am, Inc. Profit Sharing and 401(k) Plan as of that
      date. The Employer contributions made under the Mid Am Inc. Employee Stock
      Ownership Pension Plan, Mid Am, Inc. Profit Sharing and 401(k) Plan, the Sky
      ESOP and this Plan, on and after October 2, 1998, shall be subject to the
      vesting schedule contained in this Section, based on the Participant’s Years of
      Service. 

     

     

     

    -
      23 - 

     

    
    

     

    

    5.04
      Change in
      Control. In the event of a Change in Control, each Participant who is
      employed by an Employer on the effective date of a Change in Control shall
      acquire a 100% nonforfeitable interest in his or her Accounts as of that date.
      

     

     

     

    5.05
      Forfeiture Upon
      Termination of Employment. If a Participant terminates employment with
      the Employers, and the value of the Participant’s vested Accounts is not (or at
      the time of any prior, periodic distribution was not) greater than $5,000,
      the
      Participant will receive a distribution of the value of the entire vested
      portion of his or her Accounts and the nonvested portion will be treated as
      a
      forfeiture. The value of the Participant’s vested Accounts shall be determined
      without regard to that portion of his or her Account that is attributable to
      rollover contributions (and earnings allocable thereto) within the meaning
      of
      Code Sections 402(c), 403(a)(4), 403(b)(8), 408(d)(3)(A)(ii) and 457(e)(16).
      

     

     

     

    (a)
      If a Participant terminates
      service and elects to receive a distribution of the vested portion of his or
      her
      Accounts pursuant to Article VI of the Plan, the nonvested portion will be
      treated as a forfeiture. 

     

     

     

    (b)
      If distribution is made to a
      Participant on account of termination of employment, which is less than the
      value of the Participant’s Account, prior to the date on which the Participant
      has a Break in Service for five consecutive Plan Years, and the Participant
      returns to employment covered by the Plan, the Participant’s Account shall
      subsequently be determined without regard to the portion thereof derived from
      predistribution employment, provided the Participant (i) received distribution
      of the entire present value of the nonforfeitable portion of his or her Account
      at the time of distribution, (ii) the amount of the distribution did not exceed
      the dollar limit under Code Section 411(a)(11)(A) or the Participant (with
      spousal consent, if applicable) voluntarily elected to receive the distribution,
      and (iii) the Participant upon return to employment covered by the Plan does
      not
      repay the full amount of the distribution before the earlier of suffering five
      consecutive one year Breaks in Service, or at the close of the first period
      of
      five consecutive one year Breaks in Service commencing after the distribution.
      If the Participant makes a timely repayment, the Participant’s Account shall
      equal the sum of the repayment and the forfeitable portion of the Participant’s
      Account on the date of distribution, unadjusted by gains or losses subsequent
      to
      the distribution. Restoration of forfeitures under this paragraph shall be
      made,
      to the extent necessary, first from forfeitures in the Plan Year of repayment
      and second from Employer contributions. 

     

     

     

    (c)
      If a Participant does not
      receive a distribution pursuant to Article VI, the nonvested portion of the
      Participant’s Accounts will be treated as a forfeiture on the last day of the
      Plan Year in which the Participant terminated employment. 

     

     

     

    (d)
      Except as provided in paragraph
      (b) above, forfeitures will be used to reduce the contribution due from the
      Employer for the Plan Year in which the forfeiture occurs, or for the
      immediately following Plan Year. 

     

     

     

    (e)
      For purposes of this Section
      5.05, if a Participant does not have any nonforfeitable interest in his or
      her
      Accounts, the Participant will be deemed to have received a distribution of
      the
      entire vested portion of his or her Accounts in accordance with the provisions
      of subparagraph (a) above without having submitted any application for benefits
      to the Plan 

     

     

     

    -
      24 - 

     

    
    

     

    

    Administrator.
      If such Participant
      returns to active service with an Employer prior to incurring five consecutive
      Breaks in Service, the Participant will be deemed to have paid back the
      distribution and his or her Accounts will be restored as provided in
      subparagraph (b) above. 

     

     

     

    -
      25 - 

     

    
    

     

    

    ARTICLE
      VI

     

    DISTRIBUTIONS

     

     

     

    6.01
      Commencement of
      Benefits. The Plan shall distribute a Participant’s Account as soon as
      administratively feasible after the Participant’s termination of employment with
      the Employers, except as provided below. If the nonforfeitable portion of the
      Participant’s Account exceeds (or at the time of any prior, periodic
      distribution ever exceeded) $5,000, the Plan shall not distribute the
      Participant’s Account before the Participant attains Normal Retirement Date,
      unless the Participant consents to such distribution in writing. The value
      of a
      Participant’s nonforfeitable Account shall be determined without regard to that
      portion of his or her Account that is attributable to rollover contributions
      (and earnings allocable thereto) within the meaning of Code Sections 402(c),
      403(a)(4), 403(b)(8), 408(d)(3)(A)(ii) and 457(e)(16). 

     

     

     

    With
      respect to distributions of
      amounts held in a Participant’s ESOP Account only, the notice of the right to
      defer distributions shall also give a general description of the material
      features, and an explanation of the relative values, of the normal and optional
      forms of benefit available under the Plan in a manner that would satisfy the
      notice requirements of Code Section 417(a)(3). The Plan Administrator must
      give
      such notice no less than 30 days and no more than 90 days prior to the Annuity
      Starting Date, unless the Participant waives the notice requirement as provided
      in Code Section 417(a)(7)(B) or the requirements of Code Section 417(a)(7)(A)
      are met. 

     

     

     

    If
      the Participant does not consent
      to distribution, the Participant’s Account shall be retained in the Trust Fund
      until such later date as the Participant requests distribution. If the
      Participant does not request distribution prior to the Participant’s Normal
      Retirement Date or death, the Plan shall distribute the Participant’s Account as
      soon as administratively feasible after the Valuation Date next following the
      first to occur of the Participant’s Normal Retirement Date or death (provided
      the Plan Administrator receives notice of the Participant’s death).

     

     

     

    6.02
      Payment of
      Benefits. A Participant, or his or her designated beneficiary, may
      elect to have the vested balance of the Participant’s Account distributed in
      either (i) a lump sum payment, or (ii) substantially equal monthly, quarterly,
      semi-annual or annual installments over any period of time not exceeding the
      Participant’s then life expectancy or the joint and last survivor expectancy of
      the Participant and a designated beneficiary. If there is any remaining balance
      in the Participant’s Account upon his or her death, such balance shall be
      payable as a death benefit in accordance with Section 6.06 below. If a
      Participant elects to receive distribution of his or her Account in the form
      of
      a lump sum payment, the Participant may elect to receive his or her ESOP Account
      and that portion of his or her other Accounts that is invested in the Company
      Stock Fund in Company Stock. 

     

     

     

    6.03
      Distribution Provisions
      Applicable to ESOP Accounts. Notwithstanding the provisions of Section
      6.02, the following provisions shall apply to ESOP Accounts. 

     

     

     

    (a)
      Payment of Benefits. The normal
      form of benefit under the Plan with respect to amounts held in the ESOP Accounts
      is the ESOP Qualified Joint and Survivor Annuity, unless the Participant and
      his
      or her spouse execute a Qualified Election selecting an optional form of benefit
      within the 90-day period ending on the date the Plan is to commence benefit
      payments. 

     

     

     

    -
      26 - 

     

    
    

     

    

    If
      the Participant is married and
      dies prior to the commencement of his or her benefits, the Participant’s Account
      shall be used to provide a ESOP Qualified Pre-Retirement Survivor Annuity for
      the Participant’s spouse unless the Participant and/or his or her spouse execute
      a Qualified Election selecting another form of distribution, within the
“Election Period.” 

     

     

     

    (b)
      Optional Forms of Benefit. A
      Participant may elect to waive the ESOP Qualified Joint and Survivor Annuity
      and
      have his or her Account distributed in one of the following optional forms
      of
      distribution: 

     

     

     

    (i)
      a lump sum payment;

     

     

     

    (ii)
      a straight life annuity for the
      Participant’s life; or 

     

     

     

    (iii)
      substantially equal monthly,
      quarterly, semi-annual or annual installments over any period of time not
      exceeding the Participant’s then life expectancy or the joint and last survivor
      expectancy of the Participant and a designated beneficiary. If there is any
      remaining balance in the Participant’s Account upon his or her death, such
      balance shall be payable as a death benefit in accordance with Section 6.06
      below. 

     

     

     

    (c)
      Distributions Other Than Lump
      Sum. If the Participant’s entire Account is to be distributed in other than a
      lump sum, then the amount to be distributed each year must be at least an amount
      equal to the quotient obtained by dividing the Participant’s entire interest by
      the life expectancy of the Participant or joint and last survivor expectancy
      of
      the Participant and designated beneficiary. Life expectancy and joint and last
      survivor life expectancy are computed by the use of the return multiples
      contained in Section 1.72-9 of the Income Tax Regulations. For purposes of
      this
      computation, a Participant’s life expectancy may be recalculated no more
      frequently than annually, however, the life expectancy of a non-spouse
      beneficiary may not be recalculated. If the Participant’s spouse is not the
      designated beneficiary, the method of distribution selected must assure that
      more than 50% of the present value of the amount available for distribution
      is
      paid within the life expectancy of the Participant. All distributions must
      be
      the minimum distribution incidental benefit requirements in Section
      1.401(a)(9)-2 of the proposed regulations. 

     

     

     

    6.04
      Definitions.
      The following definitions shall apply to Section 6.03: 

     

     

     

    (a)
      Annuity Starting
      Date.“Annuity Starting Date” means the first day of the first period
      for which an amount is paid as an annuity, regardless of when or whether payment
      is actually made. In the case of benefits not payable as an annuity, the Annuity
      Starting Date is the date the benefit is received. 

     

     

     

    (b)
      ESOP Qualified Joint and
      Survivor Annuity.“ESOP Qualified Joint and Survivor Annuity” means an
      annuity for the life of the Participant with a survivor annuity for the life
      of
      the spouse that is not less than 50% and not more than 100% of the amount of
      the
      annuity that is payable during the joint lives of the Participant and the
      spouse, which is the actuarial equivalent of the normal form of benefit, or
      if
      greater, any optional form of benefit. An ESOP Qualified Joint and Survivor
      Annuity for a Participant who is not married shall be an annuity for the life
      of
      such Participant. 

     

     

     

    -
      27 - 

     

    
    

     

    

    (c)
      ESOP Qualified
      Pre-Retirement Survivor Annuity.“ESOP Qualified Pre-Retirement Survivor
      Annuity” means an annuity for the life of the Participant’s surviving spouse, if
      any, applying the Participant’s vested Account to purchase such life annuity.
      The spouse of the deceased Participant may elect to receive the full value
      of
      such Participant’s Account in a lump sum in lieu of the ESOP Qualified
      Pre-Retirement Survivor Annuity. 

     

     

     

    Subject
      to the rules in Section
      6.03, the surviving spouse shall begin to receive payments immediately, unless
      such surviving spouse elects a later date, except that the surviving spouse
      shall receive an immediate distribution if the value of the Participant’s vested
      Accounts is not (or at the time of any prior, periodic distribution was not)
      greater than $5,000. 

     

     

     

    (d)
      Applicable
      Period. The “Applicable Period” for the explanation of the ESOP
      Qualified Joint and Survivor Annuity shall be no less than 30 days (or no less
      than 7 days if the Participant waives the 30-day period pursuant to Code Section
      417(a)(7)(B)) and no more than 90 days prior to the Participant’s Annuity
      Starting Date, or soon after the Participant’s Annuity Starting Date if the
      requirements of Code Section 417(a)(7)(A) are met. The “Applicable Period” for
      the ESOP Qualified Pre-Retirement Survivor Annuity” means, with respect to a
      particular Participant, the latest of the following: 

     

     

     

    (i)
      The period that begins with the
      first day of the Plan Year in which the Participant attains age 32 and ending
      with the close of the Plan Year preceding the Plan year in which the Plan Year
      in which the Participant attains age 35; 

     

     

     

    (ii)
      a reasonable period after the
      Employee becomes a Participant; 

     

     

     

    (iii)
      a reasonable period after this
      Section no longer applies to the Participant; or 

     

     

     

    (iv)
      a reasonable period after the
      Participant’s separation from service in the case of a Participant who separates
      from service before attaining age 35. 

     

     

     

    Within
      the Applicable Period, the
      Plan Administrator shall give the Participant written notification of the
      availability of the Qualified Election with respect to the ESOP Qualified Joint
      and Survivor Annuity. The notification shall explain the terms and conditions
      of
      the ESOP Qualified Joint and Survivor Annuity, the rights of the spouse, the
      effect of electing not to take such annuity, and the right to revoke a previous
      election to waive such annuity. The Participant (and the Participant’s spouse)
      must complete the election on or before the Annuity Starting Date, or after
      the
      Annuity Starting Date if the requirements of Code Section 417(a)(7)(A) are
      met.
      The Participant may revoke an election not to take the Joint and Survivor
      Annuity or choose again to take such annuity at any time and any number of
      times
      within the applicable election period. If a Participant requests additional
      information within 60 days after receipt of the notification of election, the
      minimum election period shall be extended an additional 60 days following the
      Participant’s receipt of such additional information. 

     

     

     

    Within
      the Applicable Period, the
      Plan Administrator shall give each Participant a written explanation of the
      ESOP
      Qualified Pre-Retirement Survivor Annuity which shall contain the following:
      (i)
      the terms and conditions of a ESOP Qualified Pre-Retirement Survivor Annuity;
      (ii) the Participant’s right to make and the effect of an election to waive this
      form of benefit; (iii) 

     

     

     

    -
      28 - 

     

    
    

     

    

    the
      rights of the Participant’s
      spouse; and (iv) the right to make, and the effect of, a revocation of a
      previous election to waive the ESOP Qualified Pre-Retirement Survivor Annuity.
      In the case of a Participant who enters the Plan after the first day of the
      Plan
      Year in which the Participant attained age 32, the Plan Administrator shall
      provide the required notice no later than the close of the second Plan Year
      succeeding the entry of the Participant in the Plan. 

     

     

     

    (e)
      Qualified
      Election.“Qualified Election” means an election by a Participant to (i)
      waive the ESOP Qualified Joint and Survivor Annuity or ESOP Qualified
      Pre-Retirement Survivor Annuity, pursuant to Section 6.03, and elect an optional
      form of distribution, (ii) designate a beneficiary other than the Participant’s
      spouse, pursuant to Section 6.03, or (iii) begin distributions prior to the
      Participant’s Normal Retirement Date, pursuant to Section 6.01, which satisfies
      the following consent requirements: 

     

     

     

    (i)
      The spouse’s consent shall be
      witnessed by a Plan representative or notary public. 

     

     

     

    (ii)
      The spouse’s consent must
      acknowledge the effect of the election, including that the spouse had the right
      to limit consent only to a specific beneficiary or a specific form of benefit,
      if applicable, and that the relinquishment of one or both such rights was
      voluntary. Unless the consent of the spouse expressly permits designations
      by
      the Participant without a requirement of further consent by the spouse, the
      spouse’s consent must be limited to the form of benefit, if applicable, and the
      beneficiary, class of beneficiaries, or contingent beneficiary named in the
      election. 

     

     

     

    (iii)
      Spousal consent is not
      required if the Participant establishes to the satisfaction of the plan
      representative that the consent of the spouse cannot be obtained because there
      is no spouse or the spouse cannot be located. 

     

     

     

    (iv)
      A spouse’s consent under this
      Section shall not be valid with respect to any other spouse. 

     

     

     

    (v)
      A Participant may revoke a prior
      election without the consent of the spouse. Any new election will require a
      new
      spousal consent, unless the consent of the spouse expressly permits such
      election by the Participant without further consent by the spouse. 

     

     

     

    (vi)
      A spouse’s consent may be
      revoked at any time within the Participant’s election period. 

     

     

     

    6.05
      Mandatory Commencement
      of Benefits. In no event other than the written direction of the
      Participant will distribution of the Participant’s benefits under the Plan
      commence later than the 60th day after the end of the Plan Year in which the
      later of the following events occurs: 

     

     

     

    (a)
      The Participant attains Normal
      Retirement Age; 

     

     

     

    (b)
      The tenth anniversary of the
      year in which the Participant commences participation in the Plan; or

     

     

     

    -
      29 - 

     

    
    

     

    

    (c)
      The Participant terminates
      employment with the Employer. 

     

     

     

    A
      Participant may elect to defer the
      commencement of distributions under the Plan to a date later than set forth
      above, provided, however, that the Participant must make any such election
      by
      submitting to the Plan Administrator a signed written statement describing
      the
      method and medium of distribution and the date on which such distribution shall
      commence. 

     

     

     

    Anything
      above to the contrary
      notwithstanding, distributions of a Participant’s benefits must commence by
      April 1 of the calendar year following the later of (i) the calendar year in
      which the Participant attains age 70 1/2,
      or (ii) the calendar year in which the Participant
      retires, in accordance with the minimum distribution requirements of Code
      Section 401(a)(9). Notwithstanding the foregoing sentence, for any Participant
      who is a 5-percent owner of an Employer, the distributions of benefits must
      commence by April 1 of the calendar year following the calendar year in which
      the Participant attains age 70 1/2.
      A Participant who attained age 70 1/2
      during the 1998
      calendar year and who is not a 5-percent owner may elect to postpone receiving
      such distributions until April 1 of the calendar year following the year in
      which the Participant retires, as long as he or she so elects in the manner
      prescribed by the Plan Administrator before April 1, 1999. For purposes of
      this
      minimum distribution, the Participant may elect prior to the date of the first
      required distribution to have his or her life expectancy and his or her spouse’s
      life expectancy recalculated annually. Such election shall be irrevocable once
      made, and shall apply for all subsequent Plan Years. The Participant and his
      or
      her spouse shall have the right to separately elect as to whether each wants
      his
      or her life expectancy recalculated, and the election of one shall not affect
      the election of the other. In the event that either the Participant or his
      or
      her spouse fails to make an election, his or her life expectancy shall be
      recalculated annually. 

     

     

     

    The
      mandatory commencement of
      distribution to a Participant or beneficiary pursuant to this Section 6.05
      shall
      not apply provided (i) that prior to January 1, 1984, or such other date
      permitted by law, a Participant (including Key Employees) who had an Account
      balance under this Plan as of December 31, 1983, made a written designation
      for
      a method of distribution of the benefit that satisfy the provisions of Code
      Section 401(a)(9) as in effect prior to the enactment of the Tax Equity and
      Fiscal Responsibility Act of 1982 (including rules relating to incidental death
      benefits). Any written designation, if made, shall be binding upon the Plan
      Administrator. In addition, the mandatory commencement of distribution shall
      not
      apply to any Participant who attained age 70 1/2
      prior to January 1,
      1988 and who was not a five percent owner at any time after he or she attained
      age 66 1/2.
      

     

     

     

    The
      rules governing required minimum
      distributions are set forth in Article XVIII and shall apply to distributions
      commencing in 2003. 

     

     

     

    6.06
      Distributions After
      Death of a Participant. Subject to the provisions of Section 6.02 and
      6.03 above, if a Participant dies before the Plan has distributed any portion
      of
      his or her Account, the Plan shall distribute the Participant’s Account in one
      of the following methods: 

     

     

     

    (a)
      The Plan shall distribute the
      Participant’s Account no later than December 31 of the calendar year that
      contains the fifth anniversary of the date of the Participant’s death,
      regardless of who is to receive the distribution. 

     

     

     

    -
      30 - 

     

    
    

     

    

    (b)
      If the distribution is to be
      made to a designated beneficiary, the distribution of a Participant’s interest
      shall commence not later than December 31 of the calendar year immediately
      following the calendar year in which the Participant died, and payments shall
      occur over a period not extending beyond the life expectancy of such designated
      beneficiary. If distribution is to be made to the Participant’s surviving
      spouse, distribution must commence on or before the later of: (i) December
      31 of
      the calendar year immediately following the calendar year in which the
      Participant died, or (ii) December 31 of the calendar year in which the
      Participant would have attained age 70 1/2.
      Such distribution
      shall occur over a period not extending beyond the life expectancy of such
      designated beneficiary. 

     

     

     

    A
      Participant or the Participant’s
      spouse or designated beneficiary, subject to a Qualified Election, may elect
      the
      method of distribution described in subparagraph (b) above. Such election must
      be made no later than the earlier of: (i) the date that distribution would
      have
      to occur according to the provisions of subparagraph (a) above, or (ii) the
      date
      that distribution would have to occur according to the provisions of
      subparagraph (b) above. As of such date, the election is irrevocable and shall
      apply for all subsequent years and any subsequent beneficiaries. If no such
      election is made, distribution shall be made in accordance with subparagraph
      (a)
      above. 

     

     

     

    If
      the Participant’s surviving
      spouse dies before the Plan begins distributions to such spouse, the payment
      of
      the Participant’s interest shall be made as if the surviving spouse were the
      Participant. If the Plan has begun distribution of the Participant’s interest at
      the time of such Participant’s death, distribution may be made for a term
      certain at least as rapidly as under the method of distribution used prior
      to
      the death of the Participant. 

     

     

     

    6.07
      Right to Have Accounts
      Transferred. Notwithstanding any provision of the Plan to the contrary
      that would otherwise limit an “eligible distributee” election under this Article
      VI, an eligible distributee may elect, at the time and in the manner prescribed
      by the Plan Administrator, to have any portion of an “eligible rollover
      distribution” paid directly to an “eligible retirement plan” specified by the
      eligible distributee in a “direct rollover.” 

     

     

     

    (a)
“Eligible
      rollover distribution”
means any distribution of all or any portion of the balance to the credit of
      the
      eligible distributee, except that an eligible rollover distribution shall not
      include: (i) any distribution that is one of a series of substantially equal
      periodic payments (not less frequently than annually) made for the life (or
      life
      expectancy) of the distributee or the joint lives (or joint life expectancies)
      of the eligible distributee and the eligible distributee’s designated
      beneficiary, or for a specified period of ten years or more; (ii) any
      distribution to the extent such distribution is required under Code Section
      401(a)(9); (iii) any hardship distribution; and (iv) the portion of any
      distribution that is not includible in gross income (determined without regard
      to the exclusion for net unrealized appreciation with respect to employer
      securities). 

     

     

     

    (b)
“Eligible
      retirement plan” means
      an individual retirement account described in Code Section 408(a), an individual
      retirement annuity described in Code Section 408(b), an annuity plan described
      in Code Section 403(a), an annuity contract described in Code Section 403(b),
      an
      eligible plan under Code Section 457(b) that is maintained by a state, political
      subdivision of a state, or any agency or instrumentality of a state or political
      subdivision of a state or a qualified trust described in Code Section 401(a),
      that accepts the eligible distributee’s 

     

     

     

    -
      31 - 

     

    
    

     

    

    rollover
      distribution. However, in
      the case of an eligible rollover distribution to the surviving spouse, an
      eligible retirement plan shall only be an individual retirement account or
      individual retirement annuity. 

     

     

     

    (c)
      An “eligible distributee” means
      Employee or former Employee. In addition, the Employee’s or former Employee’s
      surviving spouse and the Employee’s or former Employee’s spouse who is the
      alternate payee under a qualified domestic relations order, as defined in
      Section 414(p), are eligible distributees with regard to the interest of the
      spouse or former spouse. 

     

     

     

    (d)
      A “direct rollover” means a
      payment by the plan to the eligible retirement plan specified by the eligible
      distributee. 

     

     

     

    If
      a distribution is one to which
      Code Sections 401(a)(11) and 417 do not apply, such distribution may commence
      less than 30 days after the notice required under Section 1.411(a)-11(c) of
      the
      Income Tax Regulations is given, provided that: (i) the Plan Administrator
      clearly informs the Participant that the Participant has a right to a period
      of
      at least 30 days after receiving the notice to consider the decision of whether
      or not to elect a distribution (and, if applicable, a particular distribution
      option); and (ii) the Participant, after receiving the notice, affirmatively
      elects a distribution. 

     

     

     

    6.08
      Restrictions on
      Distributions of 401(k) Contributions and Safe Harbor Matching
      Contributions. 401(k) Contributions and Safe Harbor Matching
      Contributions may not be distributed from this Plan prior to the earlier of:
      

     

     

     

    (a)
      retirement, severance from
      employment, death or Disability of the Participant; 

     

     

     

    (b)
      attainment of age 59 1/2
      by the Participant,
      if procedures have been established by the Plan Administrator;

     

     

     

    (c)
      occurrence of a hardship (as
      described in Section 13.02 of the Plan); or 

     

     

     

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

     

     

     

    -
      32 - 

     

    
    

     

    

    ARTICLE
      VII

     

    LIMITATION
      ON
      CONTRIBUTIONS AND BENEFITS

     

     

     

    7.01
      Definitions.
      The following definitions shall apply for purposes of this Section 7.01:

     

     

     

    (a)
      Annual
      Addition.“Annual Addition” means for each Plan Year the sum of the
      following amounts credited to a Participant’s Accounts for the Limitation Year
      under all Defined Contribution Plans maintained by the Employer: 

     

     

     

    (i)
      Employer contributions,

     

     

     

    (ii)
      Employee contributions,

     

     

     

    (iii)
      Forfeitures, and 

     

     

     

    (iv)
      Any amounts allocated to an
      individual medical account (as defined in Code Section 415(l)(2)) that is part
      of any pension or annuity plan maintained by the Employer are treated as Annual
      Additions to a Defined Contribution Plan. Amounts derived from contributions
      paid or accrued after December 31, 1985 in taxable years ending after such
      date
      that are attributable to post retirement medical benefits allocated to the
      separate account of a key employee (as defined in Code Section 419(d)(3)) under
      a welfare benefit fund (as defined in Code Section 419(e)) maintained by the
      Employer are treated as Annual Additions to a Defined Contribution Plan. These
      amounts are treated as Annual Additions but are not subject to the Compensation
      limit set forth in Section 7.02 below. 

     

     

     

    Rollover
      Contributions made by a
      Participant pursuant to Section 3.08 hereof, shall not be taken into account
      in
      computing Annual Additions. Catch-Up Contributions made by a Participant
      pursuant to Section 3.06 hereof, shall not be taken into account in computing
      Annual Additions. 

     

     

     

    (b)
      Defined Contribution
      Plan.“Defined Contribution Plan” means a pension plan or profit sharing
      plan that provides for an individual account for each Participant and for
      benefits based solely upon the amount contributed to the Participant’s account
      and any income, expenses, gains, losses and any forfeitures of accounts of
      other
      Participants that may be allocated to such Participant’s account. 

     

     

     

    (c)
      Compensation.“Compensation” means compensation received from the
      Employer during the Plan Year that is includible in gross income for income
      tax
      purposes, including any elective deferrals (as defined in Code Section
      402(g)(3)) and amounts contributed or deferred by the Employer at the election
      of the Employee and that is not includible in the gross income of the Employee
      by reason of Code Section 125, 132(f)(4) or 457. 

     

     

     

    (d)
Limitation
      Year.“Limitation Year” means the Plan Year. 

     

     

     

    7.02
      Limitation on Annual
      Additions. Any other provision of this Plan to the contrary
      notwithstanding, the maximum Annual Addition to the Accounts of any Participant
      

     

     

     

    -
      33 - 

     

    
    

     

    

    under
      the Plan and any other Defined
      Contribution Plan maintained by an Employer may not exceed the lesser of:

     

     

     

    (a)
      $40,000 (as adjusted under Code
      Section 415(d)), or 

     

     

     

    (b)
      100% of a Participant’s
      Compensation for the Limitation Year. 

     

     

     

    If,
      as the result of a reasonable
      error in estimating a Participant’s Compensation, the allocation of forfeitures,
      or under other limited facts and circumstances as may be provided under the
      Regulations to Code Section 415, the Annual Addition exceeds the maximum under
      this and any other Defined Contribution Plan maintained by the Employer, the
      Plan Administrator shall distribute an amount of the Participant’s 401(k)
      Contributions necessary to eliminate the excess Annual Addition, or as much
      of
      the excess as possible, as permitted by Code Section 415 or the regulations
      thereunder. Such distributions shall first be made from amounts of the
      Participant’s 401(k) Contributions that did not receive an associated Matching
      Contribution. If the Plan Administrator distributes matched amounts pursuant
      to
      the preceding sentence, the Plan Administrator shall reduce from the
      Participant’s Account any Matching Contributions attributable to such returned
      401(k) Contributions, and utilize the reduced Matching Contributions to reduce
      the Employer contribution required for the next succeeding Plan Year. Any such
      sums shall not share in the gains or losses of the Trust Fund. 

     

     

     

    7.03
      Limitation of Benefits
      Under All Plans. For Plan Years beginning before January 1, 2000, if an
      Employee was (or had been) a Participant under the Plan and a defined benefit
      plan maintained by the Employer, the sum of the defined contribution fraction
      and the defined benefit fraction for any Limitation Year could not exceed 1.0
      as
      computed under the terms and conditions as set forth under Code Section 415(e).
      If the sum exceeded 1.0, the Participant’s defined contribution fraction was
      reduced until the sum equaled 1.0. The defined benefit plan fraction and the
      defined contribution fraction were defined in Code Section 415(e). 

     

     

     

    -
      34 - 

     

    
    

     

    

    ARTICLE
      VIII

     

    NONDISCRIMINATION
      REQUIREMENTS

     

     

     

    8.01
      Definitions.
      The following definitions shall apply for purposes of this Article VIII:

     

     

     

    (a)
      Actual Contribution
      Percentage.“Actual Contribution Percentage” means the average
      (expressed as a percentage) of the Actual Contribution Ratios of the
      Participants in a group. 

     

     

     

    (b)
      Actual Contribution
      Ratio.“Actual Contribution Ratio” means the ratio (expressed as a
      percentage) of the Participant’s Employee Contributions and Matching
      Contributions to the Plan for the Plan Year (and any other plan that is
      aggregated with the Plan for purposes of meeting the nondiscrimination
      requirements of Code Section 401(m)) to the Participant’s Compensation for the
      Plan Year. The Actual Contribution Ratio of a Participant who is eligible,
      but
      neither makes Employee Contributions nor receives Matching Contributions is
      zero. An Actual Contribution Ratio for a Participant who has met the
      requirements of Section 2.01(a), but not the requirements of 2.01(b), is not
      calculated or included in the calculation of the Actual Contribution Percentage.
      

     

     

     

    (c)
      Actual Deferral
      Percentage.“Actual Deferral Percentage” means the average (expressed as
      a percentage) of the Actual Deferral Ratios of the Participants in a group.
      

     

     

     

    (d)
      Actual Deferral
      Ratio.“Actual Deferral Ratio” means the ratio (expressed as a
      percentage) of the Participant’s Elective Contributions for the Plan Year (under
      the Plan and any other plan that is aggregated with the Plan for purposes of
      meeting the nondiscrimination requirements of Code Section 401(k)) to the
      Participant’s Compensation for the Plan Year. At the option of the Plan
      Administrator, Qualified Matching Contributions and/or Qualified Nonelective
      Contributions may be included for purposes of determining each Participant’s
      Actual Deferral Ratio. The Actual Deferral Ratio of a Participant who is
      eligible but has no Elective Contributions, Qualified Matching Contributions
      or
      Qualified Nonelective Contributions is zero. The Actual Deferral Ratio for
      a
      Participant who has met the requirements of Section 2.01(a) but has no Elective
      Contributions is zero. 

     

     

     

    (e)
      Compensation.“Compensation” means compensation received from the
      Employer during the Plan Year that is includible in gross income for income
      tax
      purposes, including any amounts contributed by the Employer pursuant to the
      election of the Employee and that is not includible in the gross income of
      the
      Employee by reason of Code Section 125, 132(f)(4), 402(e)(3), 402(h) or 403(b).
      

     

     

     

    (f)
      Elective
      Contributions.“Elective Contributions” means 401(k) Contributions and
      any other Employer contributions made to the Plan, and any other plan that
      is
      aggregated with the Plan for purposes of meeting the nondiscrimination
      requirements of Code Section 401(k), that were subject to a cash or deferred
      arrangement. 

     

     

     

    (g)
      Employee
      Contributions.“Employee Contributions” means any contributions to the
      Plan (and any other plan that is aggregated with the Plan for purposes of
      meeting the 

     

     

     

    -
      35 - 

     

    
    

     

    

    nondiscrimination
      requirements of
      Code Section 401(m)) that are designed or treated as after-tax Employee
      contributions and are allocated to a separate account to which attributable
      earnings and losses are allocated. 

     

     

     

    (h)
      Excess
      Contributions.“Excess Contributions” means the excess of: (i) the
      Elective Contributions, Qualified Matching Contributions and/or Qualified
      Nonelective Contributions of a Highly Compensated Employee for such Plan Year,
      over (ii) the maximum amount of such contributions permitted under the limits
      determined in accordance with Section 8.03 hereof. 

     

     

     

    (i)
      Excess Aggregate
      Contributions.“Excess Aggregate Contributions” means the excess of: (i)
      the Employee Contributions and Matching Contributions actually made by or on
      behalf of a Highly Compensated Employee for such Plan Year, over (ii) the
      maximum amount of such contributions permitted under the limits determined
      in
      accordance with Section 8.03 hereof. 

     

     

     

    (j)
      Highly Compensated
      Employee. The term “Highly Compensated Employee” or “HCE” means any
      Employee who performs service for an Employer during the Plan Year and who:
      (i)
      was a 5-percent owner during the year or the preceding year; or (ii) for the
      preceding year received Compensation from the Employers in excess of $90,000
      (as
      adjusted pursuant to Code Section 415(d)) and was in the top-paid group of
      employees for such preceding year. 

     

     

     

    An
      Employee is in the top-paid group
      of Employees for any year if such Employee is in the group consisting of the
      top
      20% of the Employees when ranked on the basis of Compensation paid during such
      year. For purposes of determining the number of Employees in the top-paid group
      (but not for identifying the particular Employees in the top-paid group),
      certain Employees may be excluded in accordance with Code Section 414(q)(5).
      

     

     

     

    A
      former employee will be treated as
      an HCE if he or she was an HCE for (i) the separation year, or (ii) any Plan
      Year ending on or after the Employee’s 55th
      birthday. 

     

     

     

    Before
      determining who are Highly
      Compensated Employees, Code Sections 414(b), (c), (m), (n) and (o) shall first
      be applied. 

     

     

     

    (k)
      Matching
      Contributions.“Matching Contributions” means: 

     

     

     

    (i)
      an Employer contribution made to
      the Plan (or any plan required to be aggregated with the Plan for purposes
      of
      the nondiscrimination requirements of Code Section 401(m)) on account of
      Employee Contributions to the Plan; 

     

     

     

    (ii)
      an Employer contribution made
      to the Plan (or any plan required to be aggregated with the Plan for purposes
      of
      the nondiscrimination requirements of Section 401(m)) on account of an Elective
      Contribution to the Plan; or 

     

     

     

    (iii)
      a forfeiture allocable on the
      basis of Excess Aggregate Contributions. 

     

     

     

    A
      contribution made by the Employer
      in order to meet the Top Heavy minimum contribution requirements of Article
      XVI
      may not be treated as a Matching Contribution. 

     

     

     

    -
      36 - 

     

    
    

     

    

    (l)
      Non-Highly Compensated
      Employee.“Non-Highly Compensated Employee” or “Non-HCE” means any
      Employee who is not a Highly Compensated Employee. 

     

     

     

    (m)
      Qualified Matching
      Contributions.“Qualified Matching Contributions” means Matching
      Contributions that are fully vested at the time of contribution and are subject
      to the withdrawal restrictions of Section 14.02. 

     

     

     

    (n)
      Qualified Nonelective
      Contributions.“Qualified Nonelective Contributions” means Employer
      contributions, other than Elective Contributions and Matching Contributions,
      that are fully vested at the time of contribution and are not subject to the
      withdrawal restrictions of Section 14.02.

     

     

     

    8.02
      Nondiscrimination
      Requirements for 401(k) Contributions. 

     

     

     

    (a)
      Actual Deferral
      Percentage Test. In no event shall the Actual Deferral Percentage of
      Participants who are HCEs exceed the Actual Deferral Percentage of the
      Participants who are Non-HCEs by more than the greater of: 

     

     

     

    (i)
      125% of the Actual Deferral
      Percentage for Participants who are Non-HCEs, or 

     

     

     

    (ii)
      The lesser of 200% of the
      Actual Deferral Percentage for Participants who are Non-HCEs or two percentage
      points higher than the Actual Deferral Percentage for Participants who are
      Non-HCEs. 

     

     

     

    (b)
      Excess
      Contributions. If the Plan does not satisfy the Actual Deferral
      Percentage Test for nondiscrimination in Code Section 401(k) for any Plan Year,
      then the Excess Contributions for such Plan Year (plus any income and minus
      any
      loss allocable thereto as calculated in accordance with Section 8.02(c)) shall
      be distributed to the HCEs by the last day of the following Plan Year, as
      determined under this Section. If such Excess Contributions are distributed
      more
      than 2 1/2
      months after the last day of the Plan Year in which such Excess Contributions
      arose, a 10% excise tax will be imposed on the Company or Employer maintaining
      the Plan with respect to such amounts. The portion of the Excess Contributions
      attributable to an HCE is determined as follows: 

     

     

     

    First,
      the Plan Administrator shall
      determine the dollar amount of Excess Contributions for each affected HCE,
      by
      reducing the Actual Deferral Ratio for each HCE whose Actual Deferral Ratio(s)
      is the highest at any one time in the following manner until the ADP Test is
      satisfied: 

     

     

     

    (i)
      The Actual Deferral Ratio of
      each HCE whose Actual Deferral Ratio is the greatest shall be reduced by
      one-hundredth (1/100) of one percentage point. 

     

     

     

    (ii)
      If more reduction is needed,
      the Actual Deferral Ratio of each HCE whose Actual Deferral Ratio is the
      greatest (including the Actual Deferral Ratio of any HCE whose Actual Deferral
      Ratio was adjusted under step (i)) shall be reduced by one-hundredth (1/100)
      of
      one percentage point. 

     

     

     

    -
      37 - 

     

    
    

     

    

    (iii)
      If more reduction is needed,
      the procedures in step (ii) shall be repeated. 

     

     

     

    However,
      in applying steps (i)
      through (iii) above, rather than actually distributing the amount of 401(k)
      Contributions necessary to reduce the Actual Deferral Ratio of each affected
      HCE
      to an amount sufficient to satisfy the ADP Test in order of such HCE’s Actual
      Deferral Ratios, the total of the dollar amounts calculated in steps (i) through
      (iii) above (the “Excess Contributions”) will be determined and distributed as
      follows: 

     

     

     

    (iv)
      The 401(k) Contributions of the
      HCE with the highest dollar amount of 401(k) Contributions will be reduced by
      the amount required to cause that HCE’s 401(k) Contributions to equal the dollar
      amount of the 401(k) Contributions of the HCE with the next highest dollar
      amount of 401(k) Contributions. Then this amount would be distributed to the
      HCE
      with the highest dollar amount of 401(k) Contributions. However, if a lesser
      reduction, when added to the total dollar amount already distributed under
      this
      step, would equal the total Excess Contributions, then the lesser dollar amount
      will be distributed. 

     

     

     

    (v)
      If the total amount distributed
      under step (iv) is less than the total Excess Contributions, then the step
      (iv)
      will be repeated. 

     

     

     

    Any
      refund made in accordance with
      this Section to a Participant shall be drawn from the Participant’s 401(k)
      Contributions Account. Any such amounts shall be drawn first from a
      Participant’s Elective Deferrals that are not eligible for matching under
      Section 3.02. 

     

     

     

    Matching
      Contributions with respect
      to such distributed 401(k) Contributions shall be forfeited (unless paid to
      the
      Participant due to a correction under the Actual Contribution Percentage
      correction). 

     

     

     

    The
      amount of Excess Contributions
      to be distributed shall be reduced by excess 401(k) Contributions previously
      distributed pursuant to Section 3.02(h) for the taxable year ending in the
      same
      Plan Year. Furthermore, excess 401(k) Contributions to be distributed for a
      taxable year pursuant to Section 3.02(h) will be reduced by Excess Contributions
      previously distributed pursuant to this Section 8.02(b) hereof for the Plan
      Year
      beginning in such taxable year. 

     

     

     

    (c)
      Allocation of
      Income. Excess 401(k) Contributions under Section 3.02(h) and Excess
      Contributions under this Section will be adjusted for any income or loss up
      to
      the date of distribution. Such income or loss will be computed according to
      a
      reasonable method permitted under Treas. Reg. § 1.401(k)-1(f)(4). 

     

     

     

    8.03
      Nondiscrimination
      Requirements for Matching Contributions and Employee
      Contributions.

     

     

     

    (a)
      Actual Contribution
      Percentage Test. In no event shall the Actual Contribution Percentage
      of Participants who are HCEs exceed the Actual Contribution Percentage of the
      Participants who are Non-HCEs by more than the greater of: 

     

     

     

    (i)
      125% of the Actual Contribution
      Percentage for Participants who are Non-HCEs, or 

     

     

     

    -
      38 - 

     

    
    

     

    

    (ii)
      The lesser of 200% of the
      Actual Contribution Percentage for Participants who Non-HCEs or two percentage
      points higher than the Actual Contribution Percentage for Participants who
      are
      Non-HCEs. 

     

     

     

    (b)
      Excess Aggregate
      Contributions. If the plan fails the Actual Contribution Percentage
      Test for nondiscrimination under Code Section 401(m), the Excess Aggregate
      Contributions for such Plan Year (plus any income and minus any loss allocable
      thereto including the period between the end of the Plan Year and the date
      of
      distribution or forfeiture) shall be distributed to the HCEs by the last day
      of
      the following Plan Year, as determined under this Section. If such Excess
      Aggregate Contributions are distributed more than 2 1/2
      months after the last
      day of the Plan Year in which such excess amounts arose, a 10% excise tax will
      be imposed on the Employer maintaining the Plan with respect to those amounts.
      

     

     

     

    The
      portion of the Excess Aggregate
      Contributions attributable to an HCE is determined under the procedures
      specified in Section 8.02(b). Any refund made to a Participant in accordance
      with this Section shall be drawn from his or her Matching Contributions Account.
      Notwithstanding the foregoing, if a Participant does not have a 100%
      nonforfeitable right to his or her Matching Contributions Account under Section
      5.03, the forfeitable portion of any amount withdrawn from the Participant’s
      Contributions Account shall be forfeited and the vested portion shall be
      distributed to the Participant. 

     

     

     

    (c)
      Allocation of Income.
Excess Aggregate Contributions will be adjusted for any income or
      loss
      up to the date of distribution. Such income or loss will be computed according
      to a reasonable method permitted under Treas. Reg. §1.401(k)-1(f)(4).

     

     

     

    8.04
      Distribution Rules for
      Excess Contributions and Excess Aggregate Contributions.

     

     

     

    (a)
      Income or loss attributable to
      Excess Contributions and/or Excess Aggregate Contributions shall be determined
      in the same proportion that the amount of the Participant’s Employee
      Contributions or Matching Contributions distributed bears to the balance of
      his
      or her appropriate Account. 

     

     

     

    (b)
      The distribution of Excess
      Contributions, Excess Aggregate Contributions, and any income thereon may be
      made without the consent of the Participant or his or her spouse, and shall
      be
      considered as income to the Participant, except to the extent of Employee
      Contributions distributed, for purposes of Code Section 61. 

     

     

     

    (c)
      The Plan Administrator may
      re-characterize Elective Deferrals as Employee Contributions as an alternative
      to distributing Excess Contributions, provided the following requirements are
      met: 

     

     

     

    (i)
      The amount of recharacterized
      Elective Contributions, when combined with the HCE’s other Employee
      Contributions, does not exceed any limit on Employee Contributions to the Plan,
      including the nondiscrimination restrictions provided in Section 8.03.

     

     

     

    -
      39 - 

     

    
    

     

    

    (ii)
      The recharacterized Elective
      Contributions must be considered as Employee Contributions for the Plan year
      in
      which the Elective Contributions were made. 

     

     

     

    8.05
      Applicability to Safe
      Harbor Plan. For each Plan Year in which the Employer makes Safe Harbor
      Matching Contributions pursuant to Section 3.03 that satisfy the requirements
      of
      Code Sections 401(m)(11), Sections 8.01 through 8.04 hereof will not apply.
      

     

     

     

    -
      40 - 

     

    
    

     

    

    ARTICLE
      IX

     

    TRUST
      FUND AND INVESTMENT
      FUNDS

     

     

     

    9.01
      Individual Investment
      Funds. The Company shall direct the Trustee to establish certain
      Investment Funds within the Trust Fund, including a Company Stock Fund. A
      Participant may direct the investment of his or her Accounts, subject to the
      terms of Section 9.02 below. The Company may establish additional Investment
      Funds or remove an Investment Fund from the Plan from time to time in its sole
      discretion. 

     

     

     

    9.02
      Direction of Individual
      Investment Funds. A Participant may, in any manner made available by
      the Plan Administrator, direct the manner in which all contributions and
      allocations to the Participant’s 401(k) Contributions Account, Profit Sharing
      Contributions Account, Matching Contributions Account, Rollover Contributions
      Account and Prior Plan Account shall be invested (an “Investment Election”). The
      Participant may direct the investment of such Accounts in one or more of the
      Investment Funds, in increments of at least 1%. 

     

     

     

    (a)
      A Participant may change the
      investments of his or her 401(k) Contributions Account, Profit Sharing
      Contributions Account, Matching Contributions Account, Rollover Contributions
      Account and Prior Plan Account daily; provided however, that the Plan
      Administrator may impose restrictions on excessive trading by Participants.
      A
      Participant may make changes in the Investment Election at any time by written
      election filed with the Plan Administrator, or by such other method, such as
      a
      voice response system, that the Plan Administrator makes available. Each change
      shall be effective as soon as practicable following receipt, but in no event
      later than 5 business days following the receipt of the election. The
      Participant may elect to invest future contributions differently than present
      Account balances. 

     

     

     

    (b)
      The Trustee shall revalue the
      assets of each Investment Fund at their fair market value as of each Valuation
      Date. The Accounts of each Participant shall then be adjusted by apportioning
      the Investment Fund, including income, as thus revalued, among Participants’
Accounts in proportion to the value of their respective interests in the
      Investment Fund immediately preceding such revaluation. 

     

     

     

    (c)
      The Plan is intended to
      constitute a plan described in Section 404(c) of ERISA and Title 29 of the
      Code
      of Federal Regulations Section 2550.404c-1. The Trustee, Plan Administrator
      and
      any other fiduciary of the Plan are relieved of liability for losses that are
      the direct and necessary result of investment instructions given by a
      Participant or beneficiary. 

     

     

     

    (d)
      If the Participant fails to
      direct 100% of his or her 401(k) Contributions Account, Profit Sharing
      Contributions Account, Matching Contributions Account, Rollover Contributions
      Account and Prior Plan Account to an Investment Fund, the balance not directed
      shall be invested in such Investment Fund as the Plan Administrator deems to
      be
      the most conservative. In the event the Participant’s investment elections
      exceed 100% of his or her Accounts, the balance shall be invested among the
      Participant’s selected Investment Funds, on a pro rata basis, to equal 100%.

     

     

     

    9.03
      Direction of ESOP
      Accounts. Section 9.03 shall apply only to the ESOP Accounts of the
      Plan. 

     

     

     

    -
      41 - 

     

    
    

     

    

    (a)
      Notwithstanding the provisions
      of Section 9.02, a Participant is not permitted to direct the manner in which
      amounts held in the Participant’s ESOP Account shall be invested, except as
      otherwise provided in the remainder of this Section 9.03. 

     

     

     

    (b)
      Definitions. 

     

     

     

    (i)
“Qualified
      Participant” means a
      Participant who has attained age 55 and who has completed at least ten Years
      of
      Service (as that term is defined in the first paragraph Section 1.28 for
      purposes of determining eligibility to participate in the Plan). For purposes
      of
      this subsection, all service that a Participant had with an Acquired Employer
      shall be credited toward Years of Service.

     

     

     

    (ii)
“Qualified
      Election Period”
means the Plan Year in which a Participant becomes a Qualified Participant
      and
      the five succeeding Plan Years thereafter. 

     

     

     

    (c)
      Election by Qualified
      Participants. Each Qualified Participant shall be permitted to direct the Plan,
      within 90 days following the end of a Plan Year in the Qualified Election
      Period, as to the investment of 25% of the value of that portion of the
      Participant’s Account invested in Qualifying Employer Securities. A Qualified
      Participant in the final year of his or her Qualified Election Period may direct
      the Plan as to the investment of 50% of the value of that portion of his or
      her
      Account. Amounts for which diversification elections pursuant to this Section
      9.03 are made will reduce the amount to which any future election under this
      Section in a later Plan Year may be applied. 

     

     

     

    (d)
      Method of Directing Investment.
      The Participant’s direction shall be provided to the Plan Administrator in
      writing; shall be effective no later than 180 days after the close of the Plan
      Year to which the direction applies; and shall specify which, if any, of the
      options set forth in Section (e) below the Participant selects. 

     

     

     

    (e)
      Investment Options. The Plan
      shall give each Qualified Participant an opportunity to elect between the
      following: 

     

     

     

    (i)
      To have the Plan distribute
      (notwithstanding Code Section 409(d)) the portion of the Participant’s Account
      that is covered by the election within 90 days after the last day of the period
      during which the election can be made. This paragraph (e)(i) shall apply
      notwithstanding any other provision of the Plan other than such provisions
      as
      require the consent of the Participant to a distribution with a value in excess
      of $5,000. If the Participant does not consent, such amount shall be retained
      in
      this Plan. 

     

     

     

    (ii)
      In lieu of distribution under
      Section 9.03(e)(1) hereof, the Qualified Participant who has the right to
      receive a cash distribution under Section 9.03(e)(i) hereof may direct the
      Plan
      to transfer the portion of the Participant’s Account that is covered by the
      election to another qualified plan of the Employer which accepts such transfers,
      provided that such Plan permits Employee-directed investment and does not invest
      in Qualifying Employer Securities to a substantial degree. Such transfer shall
      be made no later than 90 days after the 1st day of the period during which
      the
      election can be made. 

     

     

     

    -
      42 - 

     

    
    

     

    

    (iii)
      In lieu of alternatives (i)
      and (ii) of this Section 9.03(e), the Participant shall be provided an
      opportunity to select among at least three investment options to include, but
      not limited to, a stock fund, a bond fund and a money market or cash equivalent
      fund. The Participant’s election shall be made in accordance with rules and
      procedures established by the Committee with amounts invested in one or more
      funds in increments of at least 10%. 

     

     

     

    -
      43 - 

     

    
    

     

    

    ARTICLE
      X

     

    AMENDMENT
      OR
      TERMINATION

     

     

     

    10.01
      Amendment.
      The Company reserves the power, right and authority, at any time and from time
      to time, to amend in whole or in part either retroactively or prospectively
      any
      or all of the provisions of the Plan without the consent of any Employer or
      Participant. Such amendment shall be stated in a written instrument adopted
      or
      executed by the Company. The Company may delegate its power, right and authority
      to amend the Plan to the Plan Administrator. 

     

     

     

    Upon
      the Company’s adoption or
      execution of any amendment, the Plan shall be deemed to have been amended and
      the Company, the Employers and all Plan Participants and their beneficiaries
      shall be bound thereby; provided, however, that no amendment shall:

     

     

     

    (a)
      authorize, cause or permit any
      part of the Trust Fund (other than such part as is required to pay taxes and
      reasonable administrative expenses) to be used or diverted to purposes other
      than the benefit of the Participants, former Participants or their beneficiaries
      or estates (except as described in Section 16.03); 

     

     

     

    (b)
      affect the rights, duties or
      responsibilities of the Trustee without its consent; or 

     

     

     

    (c)
      have any retroactive effect so
      as to deprive any Participant of his or her nonforfeitable interest already
      accrued, or eliminate an optional form of benefit, except only that any
      amendment may be made retroactive which is necessary to conform the Plan to
      mandatory provisions of Federal or State law, regulations or rulings.

     

     

     

    10.02
      Plan Termination or
      Discontinuance of Contributions. The Company shall have the right, at
      any time, to terminate the Plan. Upon such termination, or any partial
      termination, the entire interest of each affected Participant’s Accounts shall
      become nonforfeitable. Upon the discontinuance of Employer contributions or
      suspension thereof on other than a temporary basis, the entire interest of
      each
      affected Participant’s Accounts shall become nonforfeitable. Any unallocated
      funds (other than funds attributable to excess contributions and held in a
      suspense account) existing at the time of such termination or discontinuance
      shall be allocated to the then affected Participants in the same manner as
      Employer contributions under Section 4.02. Distribution upon Plan termination
      shall be made in accordance with the provisions of Article VI of the Plan.
      

     

     

     

    10.03
      Merger, Consolidation
      or Transfer of Assets. The Company may merge or consolidate the Plan
      with, or transfer the Plan’s assets or liabilities to, any other plan, provided
      each Participant would receive a benefit immediately after such merger,
      consolidation or transfer, if the successor plan then terminated, that is equal
      to or greater than the benefit the Participant would have received immediately
      prior to such merger, consolidation or transfer if the Plan were to have
      terminated on such date. 

     

     

     

    -
      44 - 

     

    
    

     

    

    ARTICLE
      XI

     

    ADMINISTRATION

     

     

     

    11.01
      Plan Administrator’s
      Powers and Duties. The Plan Administrator shall administer the Plan in
      accordance with its terms, and shall have all powers necessary to administer
      the
      Plan in accordance with the provisions set forth in the Plan. The Plan
      Administrator shall have the discretion to interpret the Plan and shall
      determine all questions, whether of law or of fact or mixed questions of law
      and
      fact, arising in the administration, interpretation and application of the
      Plan.
      Any such determination by the Plan Administrator shall be conclusive and binding
      on all persons, subject to the claims procedure as set forth in Section 11.04
      of
      the Plan. 

     

     

     

    The
      Plan Administrator may adopt
      such by-laws and regulations as it deems desirable for the conduct of its
      affairs, and may appoint such accountant, counsel, specialists, and other
      persons as it deems necessary or desirable in connection with the administration
      of the Plan. The Plan Administrator shall be entitled to rely conclusively
      upon,
      and shall be fully protected in any action taken by it in good faith in relying
      upon, any opinions or reports that shall be furnished to it by any such
      accountant, counsel or other specialists. 

     

     

     

    11.02
      Records and
      Reports. The Plan Administrator shall keep a record of all its
      proceedings and acts, and shall keep all such books of accounts, records and
      other data as may be necessary for the proper administration of the Plan. The
      Plan Administrator shall notify the Company and the Trustee of any action taken
      by it and, when required, shall notify any other interested person or persons.
      

     

     

     

    11.03
      Payment of
      Expenses. Monthly trust administration fees shall be paid from the
      Trust Fund. The Committee, in its sole discretion, may direct that other
      reasonable and necessary expenses of administering the Plan be paid from the
      Trust Fund including, but not be limited to, expenses incurred to properly
      communicate the Plan to Employees, to maintain the Plan’s tax-qualified status,
      to comply with all applicable laws, and any other expenses, taxes and charges
      incurred on behalf of the Fund or the income thereof in connection with the
      administration or operation of the Trust Fund. No provision of this Plan shall
      be construed to provide for payment to or the reimbursement of the Trustee
      (or
      any employee or agent of the Trustee) with respect to any liability or expense
      (including counsel fees) that may be incurred by the Trustee (or any employee
      or
      agent) having been found to have breached any responsibility it may have under
      the other provisions of this Plan or any responsibility or prohibition imposed
      upon it by ERISA. 

     

     

     

    The
      members of the Committee shall
      serve without compensation for services as such, but the Employers shall pay
      all
      expenses of the Committee. Such expenses shall include any expenses incident
      to
      the functioning of the Committee, including but not limited to, fees of
      accountants, legal counsel, investment counsel and other specialists, and other
      costs of administering the Plan. 

     

     

     

    11.04
      Claims
      Procedure. A claim for a Plan benefit shall be deemed filed when the
      Plan Administrator receives a written communication made by a Participant or
      beneficiary, or the authorized representative of either. 

     

     

     

    -
      45 - 

     

    
    

     

    

    If
      the Plan Administrator wholly or
      partially denies a claim, the Plan Administrator shall give written notice
      of
      such denial to the claimant within 90 days after the Plan Administrator receives
      the claim. Such notice shall set forth, in a manner calculated to be understood
      by the claimant: (i) the specific reason or reasons for the denial; (ii)
      specific reference to pertinent Plan provisions on which the denial is based;
      (iii) a description of any additional material or information necessary to
      perfect the claim and an explanation of why such material or information is
      necessary; and (iv) an explanation of the Plan’s claim review procedure.

     

     

     

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

     

     

     

    11.05
      Indemnification. The Company and the Employers shall indemnify and save
      harmless the Plan Administrator, the members of the Committee, the Employers’
officers and employees with administrative or fiduciary responsibility for
      the
      Plan, and each of them, from and against any and all loss resulting from
      liability to which the Plan Administrator, the members of the Committee, or
      the
      officers or employees, may be subjected by reason of any act or conduct (except
      willful misconduct or negligence) in their official capacities in the
      administration of the Plan or Trust, including all expenses reasonably incurred
      in their defense, in case the Employers fail to provide such defense. The
      indemnification provisions of this Section shall not relieve the Plan
      Administrator, any employee or any Committee member from any liability he or
      she
      may have under ERISA for breach of a fiduciary duty. The rights of
      indemnification provided hereunder shall be in addition to any right to which
      any person concerned may otherwise be entitled by the Company’s by-laws, by
      contract or as a matter of law, and shall inure to the benefit of any heirs,
      executors and administrators of such person. 

     

     

     

    -
      46 - 

     

    
    

     

    

    ARTICLE
      XII

     

    PARTICIPATING
      EMPLOYERS

     

     

     

    12.01
      Commencement.
      Subject to the terms of the Plan, each Employer that was an Employer under
      the
      Mid Am, Inc. Profit Sharing and 401(k) Plan, the Citizens Bancshares, Inc.
      Amended and Restated Profit Sharing Plan, the Century National Bank and Trust
      Company Amended and Restated Profit Sharing/401(k) Plan, or The Ohio Bank
      Employees’ Profit Sharing Plan as of December 31, 1998, shall be an Employer
      under the Plan on January 1, 1999. Subject to the terms of the Plan, each
      Employer that was an Employer under the First Western Bancorp, Inc. 401(k)
      Profit-Sharing and Stock Bonus Plan, the Wood Bancorp, Inc. Employee Stock
      Ownership Plan, the Picton Cavanaugh Profit Sharing Plan, or the Mahoning
      National Bank of Youngstown 401(k) Plan, as of December 31, 1999, shall be
      an
      Employer under the Plan on January 1, 2000. Subject to the terms of the Plan,
      each Employer that was an employer under the Three Rivers Plan as of December
      31, 2002, shall be an Employer under the Plan on January 1, 2003. Subject to
      the
      terms of the Plan, Insurance Buyer Services, Inc. and each Employer that was
      an
      employer under the Metropolitan Bank and Trust Company 401(k) Plan, or the
      GLB
      401(k) Plan as of December 31, 2003, shall be an Employer under the Plan on
      January 1, 2004. On and after that date, any entity that is a Related Entity
      with respect to the Company may, with the Company’s permission, elect to adopt
      this Plan and the accompanying Trust Agreement. 

     

     

     

    12.02
      Termination.
      The Company may determine at any time that any Employer shall withdraw and
      establish a separate plan and fund. The Company shall effect the withdrawal
      by
      delivering a duly executed instrument to the Trustee instructing it to segregate
      the assets of the Trust Fund allocable to the Employees of such Employer and
      pay
      them over to the separate fund. 

     

     

     

    Any
      Employer under the Plan that
      ceases to be a Related Entity, shall automatically be withdrawn from the Plan,
      effective on the date the Employer ceases to be a Related Entity. 

     

     

     

    12.03
      Delegation of
      Authority. Each Employer, by adopting the Plan, acknowledges that the
      Company has all the rights and duties thereof under the Plan and the Trust
      Agreement, including the right to amend the same. 

     

     

     

    12.04
      Disposition of Assets
      or Subsidiary. Distributions may be made in connection with the
      Company’s disposition of assets or a subsidiary to those Employees who continue
      in employment with the purchaser of the assets or with the subsidiary, provided
      that the purchaser or the subsidiary does not maintain the Plan after the
      disposition, subject to Section 6.08. 

     

     

     

    -
      47 - 

     

    
    

     

    

    ARTICLE
      XIII

     

    SUMMARY
      OF PLAN MERGERS
      AND SPIN-OFFS

     

     

     

    13.01
      Merger of Sky ESOP
      Accounts Effective January 15, 2004. Prior to January 15, 2004, the
      Company maintained the Sky Financial Group, Inc. Employee Stock Ownership
      Pension Plan (the “Sky ESOP”). Effective January 15, 2004, the Sky ESOP is
      merged into, and amended and restated in the form of, this Plan. 

     

     

     

    Amounts
      transferred from the Sky
      ESOP pursuant to this Section from a Participant’s “Company Stock Account (MPP)”
or “Other Investment Account (MPP)” under the Sky ESOP shall be held and
      invested in the Participant’s ESOP Account under this Plan. Amounts transferred
      from the Sky ESOP pursuant to this Section from a Participant’s “Dividend
      Reinvestment Account” under the Sky ESOP shall be held and invested in the
      Participant’s Dividend Reinvestment Account under this Plan. “Years of Service”
credited under the Sky ESOP will count as Years of Service for all purposes
      under this Plan. 

     

     

     

    Any
      amount held in a Participant’s
      ESOP Account will be subject to distribution provisions of Section 6.03.

     

     

     

    13.02
      Merger of Frozen First
      Western Plan Accounts Effective June 30, 2000. Prior
      to June 30, 2000, the Company maintained the First Western Bancorp, Inc. 401(k)
      Profit-Sharing and Stock Bonus Plan (the “First Western Plan”). Except for the
      portion of the First Western Plan intended to be an employee stock ownership
      plan (the “First Western ESOP”), the First Western Plan was frozen December 31,
      1999. Effective June 30, 2000, the First Western ESOP was spun-off from the
      First Western Plan and merged into the Sky Financial Group, Inc. Employee Stock
      Ownership Plan. On that date, the remainder of the First Western Plan was merged
      into, and amended and restated in the form of, this Plan. 

     

     

     

    Amounts
      transferred from the First
      Western Plan pursuant to this Section from a Participant’s Account that were
      attributable to “Tax Reduction Contributions” under the First Western Plan shall
      be held and invested in the Participant’s 401(k) Contribution Account under this
      Plan, according to the Participant’s investment elections. Amounts transferred
      from the First Western Plan that were attributable to “Stock Bonus
      Contributions” other than “Matching Contributions” under the First Western Plan
      shall be held and invested in the Participant’s ESOP Contributions Account under
      this Plan. The remaining amounts transferred from the First Western Plan shall
      be contributed to the Participant’s Prior Plan Account. 

     

     

     

    Notwithstanding
      the provisions of
      Section 5.03, certain amounts transferred from the First Western Plan are fully
      vested and nonforfeitable. A Participant for whom amounts are transferred under
      this Section will always have a nonforfeitable interest in the amounts
      transferred and credited to his or her 401(k) Contributions Account and Prior
      Plan Account. Any amount transferred to a Participant’s Profit Sharing or ESOP
      Contributions Account will be subject to the nonforfeitable interest schedule
      contained in Section 5.03. 

     

     

     

    “Years
      of Service” credited under
      the First Western Plan will count as Years of Service for all purposes under
      this Plan. 

     

     

     

    -
      48 - 

     

    
    

     

    

    13.03
      Merger of Frozen
      Picton Cavanaugh Plan Accounts Effective June 30,
      2000. Prior to July 1, 2000, the Company maintained the Picton
      Cavanaugh, Inc. Profit-Sharing Retirement Plan (the “Picton Cavanaugh Plan”).
      The Picton Cavanaugh Plan has been frozen since January 1, 2000. An Employee
      who
      was an employee of Picton Cavanaugh, Inc. and/or a participant in the Picton
      Cavanaugh Plan was eligible to participate in the Plan beginning January 1,
      2000, if the Employee met the requirements of Section 2.01. Effective July
      1,
      2000, the Picton Cavanaugh Plan was merged into, and amended and restated in
      the
      form of, this Plan. 

     

     

     

    Amounts
      transferred from the Picton
      Cavanaugh Plan pursuant to this Section from a Participant’s Account that were
      attributable to “Elective Contributions” under the Picton Cavanaugh Plan shall
      be held and invested in the Participant’s 401(k) Contribution Account under this
      Plan, according to the Participant’s investment elections. Amounts transferred
      from the Picton Cavanaugh Plan that were attributable to “Discretionary
      Contributions” other than “Matching Contributions” under the Picton Cavanaugh
      Plan shall be held and invested in the Participant’s Profit Sharing
      Contributions Account under this Plan. Amounts transferred from the Picton
      Cavanaugh Plan that were attributable to “Matching Contributions” under the
      Picton Cavanaugh Plan shall be held and invested in the Participant’s Matching
      Contributions Account under this Plan. 

     

     

     

    A
      Participant for whom amounts are
      transferred under this Section will always have a nonforfeitable interest in
      the
      amounts transferred and credited to his or her 401(k) Contributions Account.
      Any
      amount transferred to a Participant’s Profit Sharing Contributions Account and
      Matching Contributions Account will be subject to the nonforfeitable interest
      schedule contained in Section 5.03. 

     

     

     

    “Years
      of Service” credited under
      the Picton Cavanaugh Plan will count as Years of Service for all purposes under
      this Plan. 

     

     

     

    13.04
      Merger of Frozen TOB
      Plan Accounts Effective August 1, 2000. Prior to
      August 1, 2000, the Company maintained The Ohio Bank Employees’ Profit Sharing
      Plan (the “TOB Plan”). The TOB Plan was frozen effective December 31, 1999.
      Effective August 1, 2000, the TOB Plan was merged into, and amended and restated
      in the form of, this Plan. 

     

     

     

    Amounts
      transferred from the TOB
      Plan pursuant to this Section from a Participant’s Account that were
      attributable to “Salary Deferral Contributions” under the TOB Plan shall be held
      and invested in the Participant’s 401(k) Contribution Account under this Plan,
      according to the Participant’s investment elections. Any other amounts
      transferred from the TOB Plan shall be held and invested in the Participant’s
      Prior Plan Account under this Plan. 

     

     

     

    “Years
      of Service” credited under
      the TOB Plan will count as Years of Service for all purposes under this Plan.
      

     

     

     

    Notwithstanding
      the provisions of
      Section 5.03 of this Plan, amounts transferred from the TOB Plan are fully
      vested and nonforfeitable, and the following special provisions shall apply
      to
      those amounts: 

     

     

     

    (a)
      Notwithstanding any contrary
      provision in Article VI of this Plan or this Section 13.03, a TOB Participant
      may, within the 60-day period preceding or the 60-day period 

     

     

     

    -
      49 - 

     

    
    

     

    

    commencing
      on the date of his or her
      employment termination, elect to receive part of the portion of his or her
      Accounts that were transferred from the TOB Plan in a partial distribution.
      To
      be effective, such partial distribution must represent at least 50%, but not
      more than 90%, of the amount transferred to the TOB Participant’s Accounts from
      the TOB Plan. If a TOB Participant requests a partial distribution under this
      Section 13.04(a), the distribution will be made within the 30-day period
      commencing on the later of: (1) the date of the TOB Participant’s employment
      termination; or (2) the date the Participant applies for the distribution.
      

     

     

     

    (b)
      In the event of a TOB
      Participant’s death, the base value of any life insurance contract transferred
      from the TOB Plan to the Plan under this Section 13.04 that is in excess of
      the
      life insurance contract’s cash value will be distributed to the Participant’s
      Beneficiary in the method elected by the Beneficiary under Section 6.06 of
      this
      Plan. 

     

     

     

    13.05
      Transfer of Defined
      Benefit Plan Assets. The Company may, in its sole discretion,
      contribute to the Trust Fund amounts transferred from a terminated defined
      benefit plan previously maintained by the Company (the “Defined Benefit Plans”),
      in accordance with the provisions of Code Section 4980(d). Amounts transferred
      from the Defined Benefit Plans pursuant to this Section 13.05 shall either
      (a)
      be allocated to Participants’ Profit Sharing and/or Matching Contributions
      Accounts in the Plan Year in which the transfer occurs, or (b) held and invested
      in a suspense account established under this Plan. Amounts held in a suspense
      account (including interest thereon) shall be allocated to Participants’ Profit
      Sharing and Matching Contributions Accounts no less rapidly than ratably over
      the seven-Plan-Year-period beginning with Plan Year in which the transfer
      occurs. 

     

     

     

    13.06
      Merger of Three Rivers
      Plan Accounts Effective January 1, 2003. Prior to January 1, 2003, the
      Company (as a result of the merger of Three Rivers Bancorp, Inc. with and into
      the Company effective October 1, 2002) maintained the Three Rivers Bancorp
      401(k) Plan (the “Three Rivers Plan”). An Employee who was an employee of Three
      Rivers Bancorp, Inc. and/or a participant in the Three Rivers Plan was eligible
      to participate in the Plan beginning January 1, 2003, if the Employee met the
      requirements of Section 2.01. Effective January 1, 2003, the Three Rivers Plan
      was merged into, and amended and restated in the form of, this Plan.

     

     

     

    Amounts
      transferred from the Three
      Rivers Plan pursuant to this Section from a Participant’s account that were
      attributable to “Elective Deferrals” under the Three Rivers Plan shall be held
      and invested in the Participant’s 401(k) Contributions Account under this Plan,
      according to the Participant’s investment elections. Amounts transferred from
      the Three Rivers Plan that were attributable to “Non Safe-Harbor Matching
      Contribution Formula 1 Contributions” under the Three Rivers Plan shall be held
      and invested in the Participant’s Matching Contributions Account under this
      Plan. Amounts transferred from the Three Rivers Plan that were attributable
      to
“Rollover Contributions” under the Three Rivers Plan shall be held and invested
      in the Participant’s Rollover Contributions Account under this Plan. Amounts
      transferred from the Three Rivers Plan that were attributable to “Transfer
      Contributions” under the Three Rivers Plan shall be held and invested in the
      Participant’s Prior Plan Account under this Plan. 

     

     

     

    A
      Participant for whom amounts are
      transferred under this Section 13.06 will always have a nonforfeitable interest
      in the amounts transferred from the Three Rivers Plan. 

     

     

     

    -
      50 - 

     

    
    

     

    

    “Years
      of Service” credited under
      the Three Rivers Plan will count as Years of Service for all purposes under
      this
      Plan, including Years of Service credited to an individual transferred to Three
      Rivers Bancorp, Inc. from USBANCORP, Inc. (now named American Financial, Inc.)
      prior to April 1, 2001, or from Pennsylvania Capital Bank. 

     

     

     

    13.07
      Merger of Metropolitan
      Plan Accounts Effective January 1, 2004. Prior to January 1, 2004, the
      Company (as a result of the merger of Metropolitan Financial Corp. with and
      into
      the Company effective April 30, 2003) maintained the Metropolitan Bank and
      Trust
      Company 401(k) Plan (the “Metropolitan Plan”). An Employee who was an employee
      of Metropolitan Financial Corp. and/or a participant in the Metropolitan Plan
      is
      eligible to participate in the Plan beginning January 1, 2004, if the Employee
      meets the requirements of Section 2.01. Effective January 1, 2004, the
      Metropolitan Plan is merged into, and amended and restated in the form of,
      this
      Plan. 

     

     

     

    Amounts
      transferred from the
      Metropolitan Plan pursuant to this Section from a Participant’s account that
      were attributable to “Elective Deferrals” under the Metropolitan Plan shall be
      held and invested in the Participant’s 401(k) Contributions Account under this
      Plan, according to the Participant’s investment elections. Amounts transferred
      from the Metropolitan Plan that were attributable to “Employer matching
      contributions” under the Metropolitan Plan shall be held and invested in the
      Participant’s Matching Contributions Account under this Plan. Amounts
      transferred from the Metropolitan Plan that were attributable to “Employer
      profit sharing contributions” under the Metropolitan Plan shall be held and
      invested in the Participant’s Profit Sharing Contributions Account under this
      Plan. Amounts transferred from the Metropolitan Plan that were attributable
      to
“Rollover Contributions” under the Metropolitan Plan shall be held and invested
      in the Participant’s Rollover Contributions Account under this Plan. Amounts
      transferred from the Metropolitan Plan that were held and invested in a
      Participant’s “Transfer Account” under the Metropolitan Plan shall be held and
      invested in the Participant’s Prior Plan Account under this Plan. 

     

     

     

    A
      Participant for whom amounts are
      transferred under this Section 13.07 will always have a nonforfeitable interest
      in the amounts transferred from the Metropolitan Plan. 

     

     

     

    “Years
      of Service” credited under
      the Metropolitan Plan will count as Years of Service for all purposes under
      this
      Plan. 

     

     

     

    13.08
      Merger of GLB Plan
      Accounts Effective January 1, 2004. Prior to January 1, 2004, the
      Company (as a result of the merger of Great Lakes Bank with and into the Company
      effective November 28, 2003) maintained the GLB 401(k) Plan (the “GLB Plan”). An
      Employee who was an employee of Great Lakes Bank and/or a participant in the
      GLB
      Plan is eligible to participate in the Plan beginning January 1, 2004, if the
      Employee meets the requirements of Section 2.01. Effective January 1, 2004,
      the
      GLB Plan is merged into, and amended and restated in the form of, this Plan.
      

     

     

     

    Amounts
      transferred from the GLB
      Plan pursuant to this Section from a Participant’s account that were
      attributable to “Elective Contributions” under the GLB Plan shall be held and
      invested in the Participant’s 401(k) Contributions Account under this Plan,
      according to the Participant’s investment elections. Amounts transferred from
      the GLB Plan that were attributable 

     

     

     

    -
      51 - 

     

    
    

     

    

    to
“Matching
      Contributions” under
      the GLB Plan shall be held and invested in the Participant’s Matching
      Contributions Account under this Plan. Amounts transferred from the GLB Plan
      that were attributable to “Non-Elective Contributions” under the GLB Plan shall
      be held and invested in the Participant’s Profit Sharing Contributions Account
      under this Plan. Amounts transferred from the GLB Plan that were attributable
      to
“rollovers” under the GLB Plan shall be held and invested in the Participant’s
      Rollover Contributions Account under this Plan. 

     

     

     

    A
      Participant for whom amounts are
      transferred under this Section 13.08 will always have a nonforfeitable interest
      in the amounts transferred from the GLB Plan. 

     

     

     

    “Years
      of Service” credited under
      the GLB Plan will count as Years of Service for all purposes under this
      Plan.

     

     

     

    13.09
      Merger of
      Spencer-Patterson Plan Accounts Effective April 1, 2004. Prior to April
      1, 2004, the Company (as a result of the merger of Spencer-Patterson Agency,
      Inc. with and into the Company effective January 5, 2004) maintained the
      Spencer-Patterson Agency, Inc. Profit Sharing Retirement Trust (the
“Spencer-Patterson Plan”). An Employee who was an employee of Spencer-Patterson
      and/or a participant in the Spencer-Patterson Plan is eligible to participate
      in
      the Plan beginning April 1, 2004, if the Employee meets the requirements of
      Section 2.01. Effective April 1, 2004, the Spencer-Patterson Plan is merged
      into, and amended and restated in the form of, this Plan. 

     

     

     

    A
      Participant for whom amounts are
      transferred under this Section 13.09 will always have a nonforfeitable interest
      in the amounts transferred from the Spencer-Patterson Plan. “Years of Service”
credited under the Spencer-Patterson Plan will count as Years of Service for
      all
      purposes under this Plan.

     

     

     

    13.10
      Spin-off of Certain
      Frozen Plan Accounts Effective September 30, 1999. The frozen Mid Am,
      Inc. Profit Sharing and 401(k) Plan (the “Frozen Plan”) was merged into the
      Plan. Participants with Frozen Plan accounts were allowed to direct the
      investment of their Frozen Plan account balances between Sky Financial Group,
      Inc. common stock and a special investment portfolio maintained by a trustee.
      Effective September 30, 1999, the portion of the Plan containing Frozen Plan
      accounts invested in Sky Financial Group, Inc. common stock was spun-off and
      merged into the Sky Financial Group, Inc. Employee Stock Ownership Pension
      Plan.
      In addition, effective September 30, 1999, Participants with Frozen Plan
      accounts invested in the special investment portfolio are allowed to direct
      the
      investment of those accounts into the Investment Funds offered in accordance
      with Article IX.

     

     

     

    -
      52 - 

     

    
    

     

    

    ARTICLE
      XIV

     

    LOANS
      AND IN-SERVICE
      WITHDRAWALS

     

     

     

    14.01
      Loans to
      Participants. The Plan Administrator may direct the Trustee to make a
      loan to a Participant, from the Participant’s Account, upon the Participant’s
      request. The Plan Administrator will direct the Trustee to make loans from
      Participants’ Accounts on a uniform, non-discriminatory basis, in accordance
      with procedures the Plan Administrator establishes, and upon the terms and
      conditions set forth below. 

     

     

     

    (a)
      The total amount that any
      Participant can borrow under this provision cannot exceed the lesser of: (i)
      50%
      of the Participant’s vested Accounts; or (ii) $50,000, reduced by the highest
      outstanding balance of loans from the Plan to the Participant during the one
      year period ending on the day before which such loan is to be made.

     

     

     

    (b)
      Each loan shall bear interest at
      an annual rate that the Plan Administrator shall determine in accordance with
      regulations it has established. 

     

     

     

    (c)
      Each Participant who receives a
      loan hereunder shall also receive a clear statement of the charges involved
      in
      each loan transaction. The statement shall include the dollar amount and the
      annual interest rate of the finance charge. 

     

     

     

    (d)
      The Participant must repay a
      loan in such manner as the Plan Administrator specifies, provided that any
      loan
      must be repaid in full by the earlier of (i) 30 days after the date of the
      Participant’s termination of employment with the Employers for any reason, or
      (ii) fifteen years from the date of the loan in the case of a loan used to
      acquire a dwelling that is to be used within a reasonable time as the principal
      residence of the Participant, and five years from the date of the loan for
      all
      other loans. Notwithstanding the foregoing, if the loan is to be used to acquire
      a dwelling that is to be used within a reasonable time as the principal
      residence of the Participant, the maximum length of the loan shall be 15 years.
      The loan shall be amortized in level payments over the term of the loan, with
      payments occurring not less frequently than quarterly. 

     

     

     

    (e)
      All loans shall be evidenced by
      Promissory Notes and such other documents that the Plan Administrator or the
      Trustee may reasonably require under the circumstances. 

     

     

     

    (f)
      The Plan Administrator or the
      Trustee shall be entitled to exercise all legal and equitable rights available
      to it in order to enforce the collection of any unpaid loan balance.

     

     

     

    (g)
      If any loan to a Participant is
      unpaid on the date that the Participant, or his or her beneficiary or estate,
      becomes entitled to receive benefits from the Trust, such unpaid portion shall,
      as of that date, become due and the amount thereof, together with any unpaid
      interest thereon, shall be deducted from any benefits that the Participant,
      his
      or her beneficiary or his or her estate otherwise would have been entitled
      to
      receive. The provisions of this Section shall apply the same for loans renewed,
      renegotiated, modified or extended as for new loans. 

     

     

     

    (h)
      All loans shall be subject to
      such administrative procedures as the Plan Administrator deems necessary.

     

     

     

    -
      53 - 

     

    
    

     

    

    (i)
      Loans may be made only from a
      Participant’s 401(k) Contributions Account, Profit Sharing Account, Matching
      Contributions Account, Prior Plan Account, Rollover Contributions Account and/or
      Frozen Plan Account. A loan shall be repaid into the Account or Accounts from
      which it was made. On and after January 1, 2000, a Participant can receive
      only
      two loans from the Plan in any Plan Year.

     

     

     

    14.02
      Hardship
      Distributions. Distribution of 401(k) Contributions (exclusive of
      earnings, gains and other accretions attributable to Plan Years commencing
      after
      December 31, 1988) may be made to a Participant in the event of hardship. For
      purposes of this Section, hardship is defined as an immediate and heavy
      financial need of the employee where such employee lacks other available
      resources. 

     

     

     

    (a)
      The following are the only
      financial needs considered immediate and heavy: (i) Expenses incurred or
      necessary for medical care, described in Code Section 213(d), of the
      Participant, the Participant’s spouse or dependents; (ii) the purchase
      (excluding mortgage payments) of a principal residence for the Participant;
      (iii) payment of tuition and related educational fees for the next 12 months
      of
      post-secondary education for the Participant, the Participant’s spouse, children
      or dependents; or (iv) the need to prevent eviction of the Participant from,
      or
      a foreclosure on the mortgage of, the Participant’s principal residence.

     

     

     

    (b)
      A distribution will be
      considered as necessary to satisfy an immediate and heavy financial need of
      the
      Participant only if: 

     

     

     

    (i)
      with respect to hardship
      distributions made before January 1, 2001, 401(k) Contributions for the
      Participant’s taxable year immediately following the taxable year of the
      hardship distribution shall be limited to the applicable limit under Code
      Section 402(g) for such taxable year less the amount of 401(k) Contributions
      for
      the taxable year of the hardship distribution. 

     

     

     

    (ii)
      the Participant has obtained
      all available distributions, other than hardship distributions, and all
      non-taxable loans under this Plan and all other plans maintained by the
      Employer; 

     

     

     

    (iii)
      to the extent any Cash
      Dividends on Company Stock are currently available to the Participant under
      the
      Plan, the Participant must affirmatively elect to receive such Cash
      Dividends;

     

     

     

    (iv)
      the Participant shall not be
      permitted to make 401(k) Contributions under this Plan or 401(k) contributions
      under any other plan of the Employer for a period of 6 months after the receipt
      of the hardship distribution; and 

     

     

     

    (v)
      the distribution is not in
      excess of the amount of an immediate and heavy financial need. 

     

     

     

    14.03
      In-Service Withdrawals
      Relating to the Adrian State Bank Plan. 

     

     

     

    (a)
      401(k)
      Contributions. Any active Participant who has attained age 59-1⁄2 may
      make written application to the Plan Administrator (on a form and in a manner
      to
      be prescribed 

     

     

     

    -
      54 - 

     

    
    

     

    

    by
      the Plan Administrator) to
      withdraw from the Trust Fund an amount not in excess of the value of his or
      her
      Prior Plan Account attributable to 401(k) contributions made to the Adrian
      State
      Bank Profit Sharing and Savings Plan (exclusive of any earnings thereon)
      determined as of the valuation date following the date of the request. An active
      Participant who has attained age 59-1⁄2 may make such a request without
      terminating employment. Only one such withdrawal by an active Participant may
      be
      made in any one Plan Year. 

     

     

     

    (b)
      Voluntary After-Tax
      Contributions. Prior to termination of employment, a Participant may
      elect to make a withdrawal from that portion of his or her Prior Plan Account
      attributable to his or her voluntary after-tax contributions made to the Adrian
      State Bank Profit Sharing and Savings Plan. The following rules shall apply
      respecting such withdrawal: 

     

     

     

    (i)
      withdrawals shall be permitted
      upon application acceptable to the Plan Administrator and 30 days’ notice if so
      requested by the Trustee. 

     

     

     

    (ii)
      any withdrawal shall be limited
      to an amount not in excess of the lesser of the Participant’s total voluntary
      after-tax contributions, or the value of that portion of his or her Prior Plan
      Account attributable to voluntary after-tax contributions, provided that such
      withdrawals shall not be permitted more than one in each calendar year quarter.
      

     

     

     

    14.04
      Hardship Distribution
      from Rollover Accounts. A Participant may request a distribution of all
      or a portion of his or her Rollover Contribution Account, under the following
      circumstances: 

     

     

     

    (a)
      the Rollover Contributions have
      been held and invested under the Participant’s Rollover Contributions Account
      under the Plan for at least 12 months; and 

     

     

     

    (b)
      the Participant certifies to the
      Committee that the distribution is on account of a hardship. For purposes of
      this Section, hardship is defined as an immediate and heavy financial need
      of
      the Participant where such Participant lacks other available resources.

     

     

     

    The
      Participant need not satisfy the
      requirements of Section 14.02(a) or (b) above in order to qualify for a hardship
      distribution under this Section 14.04. 

     

     

     

    14.05
      In-Service
      Withdrawals. Any active Participant who has attained age 59-1⁄2 may make
      written application to the Plan Administrator (on a form and in a manner to
      be
      prescribed by the Plan Administrator) to withdraw from the Trust Fund an amount
      not in excess of the value of his or her vested Accounts. An active Participant
      who has attained age 59-1⁄2 may make such a request without terminating
      employment. 

     

     

     

    -
      55 - 

     

    
    

     

    

    ARTICLE
      XV

     

    EMPLOYEE
      STOCK OWNERSHIP
      PLAN PROVISIONS

     

     

     

    15.01
      Employee Stock
      Ownership Plan Portion. From and after January 1, 2004, the portion of
      the Plan consisting of Participants’ ESOP Accounts and Participants’ other
      Accounts invested in the Company Stock Fund shall be a stock bonus plan under
      Code Section 401(a), which is intended to qualify as an employee stock ownership
      plan under Code Section 4975(e)(7) (the “Employee Stock Ownership Plan
      Portion”). The Employee Stock Ownership Plan Portion is maintained as a portion
      of the Plan as authorized by Treasury Regulations §54.4975-11(a)(5). The
      remaining part of the Plan is intended to be a profit sharing plan that meets
      the requirements for qualification under Sections 401(a) and 401(k) of the
      Code
      (the “Profit Sharing Portion”). Together the Employee Stock Ownership Plan
      Portion and the Profit Sharing Portion constitute the entire Plan and are
      intended to be a single plan under Treasury Regulations
§1.414(l)-1(b)(1).

     

     

     

    The
      Employee Stock Ownership Plan
      Portion shall invest primarily in employer securities, within the meaning of
      Code Section 409(l), and shall consist of the Company Stock and
      other assets determined by the Plan Administrator to be a part of such Employee
      Stock Ownership Plan Portion. 

     

     

     

    15.02
      Operation of Employee
      Stock Ownership Plan Portion. 

     

     

     

    (a)
Establishment
      of
      Employee Stock Ownership Plan Portion. The Employee Stock Ownership
      Plan Portion shall be initially established effective as of the beginning of
      the
      day on January 1, 2004. The Company Stock and other assets held in the Company
      Stock Fund as of the end of the day on December 31, 2003, shall be deemed part
      of the Employee Stock Ownership Plan Portion as of January 1, 2004.

     

     

     

    (b)
Contributions
      to
      Plan. All Matching Contributions, 401(k) Contributions, Profit Sharing
      Contributions and Rollover Contributions that are made for a Plan Year and
      that
      are immediately invested in the Company Stock Fund, either due to an investment
      election by the Participant or due to a directive by an Employer or the Plan
      Administrator, shall be deemed part of the Employee Stock Ownership Plan
      Portion. All amounts transferred to the Plan as a result of the merger of the
      Sky ESOP into this Plan effective January 15, 2004, which are invested in the
      Company Stock Fund as of such date shall be deemed part of the Employee Stock
      Ownership Plan Portion. 

     

     

     

    (c)
Transfers
      into and out
      of Employee Stock Ownership Plan Portion. Any transfers into the
      Company Stock Fund from another Investment Fund shall be deemed part of the
      Employee Stock Ownership Plan Portion. 

     

     

     

    15.03
      Election to Receive
      Dividends on Employee Stock Ownership Plan Portion. 

     

     

     

    (a)
“Cash
      Dividends” means the cash dividends that are paid by the Company with
      respect to the Company Stock in the Employee Stock Ownership Plan Portion.
      

     

     

     

    (b)
      Except as provided in the
      remainder of this Section 15.03, any dividend paid on Company Stock held in
      the
      Employee Stock Ownership Plan Portion on behalf of a Participant shall be
      reinvested in Company Stock and held in the Participant’s Dividend Reinvestment

     

     

     

    -
      56 - 

     

    
    

     

    

    Account.
      The Plan Administrator
      shall prescribe rules and procedures, which shall be applied in a uniform and
      non-discriminatory manner, to allow Participants to affirmatively elect to
      have
      their Cash Dividends paid directly to them in cash outside the Plan as soon
      as a
      administratively feasible. Such rules and procedures that are prescribed by
      the
      Plan Administrator shall be in accordance with the terms of the Plan or, to
      the
      extent not specified in the Plan, the requirements that must be satisfied in
      order for a federal income tax deduction to be allowed under Code Section 404(k)
      with respect to the amount of Cash Dividends (including the requirement that
      the
      election to receive Cash Dividends be irrevocable for the period to which it
      applies and including the requirement set forth in Code Section 404(k)(2)(b)).
      

     

     

     

    (c)
      In the event a Participant does
      not complete an election (a “Dividend Payment Election”) to have his or her Cash
      Dividends distributed outside the Plan, the Cash Dividends allocated to Company
      Stock held in his or her Account shall be automatically paid to the Plan,
      allocated to the Dividend Reinvestment Account and reinvested in Company Stock.
      Participants may make a Dividend Payment Election in the manner prescribed
      by
      the Plan Administrator, which may include the use of electronic transmissions
      and/or an interactive voice response system. A Dividend Payment Election shall
      be irrevocable once accepted by the Plan Administrator and shall remain in
      effect indefinitely thereafter, unless the Participant cancels the Dividend
      Payment Election pursuant to the rules and procedures adopted by the Plan
      Administrator, which shall give Participants a reasonable opportunity to change
      a dividend election at least annually and at any time that there is a
      modification in the Plan’s provisions governing the manner in which Cash
      Dividends are paid or distributed to Participants. A Participant’s Dividend
      Payment Election shall be effective as soon as administratively practicable
      following the date the Plan receives the Participant’s Dividend Payment Election
      Form. A Dividend Payment Election Form must be completed by the Participant
      within the time prescribed for such purpose and pursuant to the rules and
      procedures adopted by the Plan Administrator from time to time. Any Dividend
      Payment Election Form that is not completed as required by the Plan
      Administrator shall be considered null and void. 

     

     

     

    (d)
      Cash dividends that are paid or
      reinvested pursuant to Code Section 404(k)(2)(A)(iii) and the provisions of
      this
      Section shall not be considered to be annual additions for purposes of Code
      Section 415(c), before-tax contributions for purposes of Code Section 402(g),
      elective contributions for purposes of Code Section 401(k) or employee
      contributions for purposes of Code Section 401(m). 

     

     

     

    15.04
      General
      Rules. The Employee Stock Ownership Plan Portion shall be governed by
      the following paragraphs, unless otherwise noted: 

     

     

     

    (a)
      Investments in the Employee
      Stock Ownership Plan Portion may be denominated as “units.” The value of a unit
      will fluctuate in response to various factors, including the price of and
      dividends paid on Company Stock, earnings and losses on other investments in
      the
      Employee Stock Ownership Plan Portion, and Employee Stock Ownership Plan Portion
      expenses. 

     

     

     

    (b)
      Shares of Company Stock held in
      the Employee Stock Ownership Plan Portion and dividends and other distributions
      on Company Stock are not specifically allocated to Participant Accounts. Each
      Participant’s interest in the Employee Stock Ownership Plan 

     

     

     

    -
      57 - 

     

    
    

     

    

    Portions
      will be based on the
      proportion of his or her investment in the Employee Stock Ownership Plan Portion
      to the total investment in the Employee Stock Ownership Plan Portion of all
      Participants. 

     

     

     

    (c)
      All Cash Dividends on shares of
      Company Stock in the Employee Stock Ownership Plan Portion that a Participant
      does not elect to have distributed to the Participant pursuant to Section 15.03
      will be reinvested in Company Stock, unitized and added to the Employee Stock
      Ownership Plan Portion. Any Company Stock received by the Trustee as a stock
      split or dividend, or as a result of a reorganization or other recapitalization
      with respect to the Company Stock in the Employee Stock Ownership Plan Portion,
      will be unitized and added to the Employee Stock Ownership Plan Portion. Any
      other property (other than shares of Company Stock) received by the Trustee
      with
      respect to the Company Stock in the Employee Stock Ownership Plan Portion may
      be
      sold by the Trustee and the proceeds added to the Employee Stock Ownership
      Plan
      Portion. In the event of a significant distribution of such other property,
      the
      Plan Administrator may implement special arrangements for the holding or
      disposition of such other property by the Plan. Any rights to subscribe to
      additional shares of Company Stock shall be sold by the Trustee and the proceeds
      credited to the Employee Stock Ownership Plan Portion. 

     

     

     

    (d)
      Shares of Company Stock either
      will be contributed by the Employers to the Employee Stock Ownership Plan
      Portion or will be purchased or sold for the Employee Stock Ownership Plan
      Portion in the open market or in privately negotiated transactions. The Trustee,
      or its designated agent, may limit the daily volume of purchases and sales
      to
      the extent it believes it will be in the interest of Participants to do so.
      

     

     

     

    15.05
      Participants’ Right to
      Vote Company Stock. Each Participant shall be entitled to direct the
      exercise of voting rights with respect to the Company Stock deemed owned by
      the
      Participant’s Accounts in the Employee Stock Ownership Plan Portion. The Company
      shall provide to each Participant materials pertaining to the exercise of such
      rights containing all the information distributed to shareholders as part of
      its
      distribution of such information to shareholders. A Participant shall have
      the
      opportunity to exercise any such rights within the same time period as
      shareholders of the Company. In the exercise of voting rights, shares of Company
      Stock for which no voting instructions are received and shares of Company Stock
      that are not allocated to any Participant’s Account shall be voted in the same
      ratio for the election of directors and for and against each other issue as
      the
      applicable vote directed by Participants with respect to shares of Company
      Stock. 

     

     

     

    15.06
      Employee Stock
      Ownership Plan Requirements. To the extent required by applicable law,
      the Company reserves the right to amend the Plan to conform to any applicable
      statutory or regulatory requirements. 

     

     

     

    15.07
      Disaggregation of
      Employee Stock Ownership Plan Portion. Notwithstanding any provisions
      in this Plan to the contrary, the Employee Stock Ownership Plan Portion of
      the
      Plan (or any other employee stock ownership plan described in Code Section
      4975(e)(7) or Section 409) is not subject to the aggregation provisions of
      Article VIII. 

     

     

     

    -
      58 - 

     

    
    

     

    

    15.08
      Exempt Loan.
      An Exempt Loan is a direct loan of cash, a purchase money transaction, an
      assumption of the obligation of the Plan, or a guarantee of the obligation
      of
      the Plan assumed in conjunction with one of the above between the Plan and
      a
      party-in-interest as defined in ERISA Section 3(14). Any Exempt Loan entered
      into by the Plan shall meet the following requirements: 

     

     

     

    (a)
      The loan shall primarily be for
      the benefit of Participants. The rate of interest shall be reasonable and the
      net effect of the rate of interest and the price of the securities to be
      acquired with the loan shall be such that Plan assets would not be depleted.
      The
      loan shall be made only upon such terms as would result from arm’s length
      negotiations between the Plan and independent third parties. The loan shall
      be
      made for a definite period of time. 

     

     

     

    (b)
      The proceeds received shall be
      used only to acquire Employer securities, to repay the loan or to repay a prior
      Exempt Loan. 

     

     

     

    (c)
      The loan shall be made without
      recourse against the general assets of the Plan. The collateral shall consist
      only of securities acquired with the proceeds of the loan, or securities
      acquired with proceeds of a prior Exempt Loan if the prior Exempt Loan is being
      paid with proceeds of the current Exempt Loan. There shall be no right of any
      lender to the Plan against assets of the Plan other than collateral given for
      the loan, contributions made to the Plan to meet the obligations of the loan,
      and earnings attributable to collateral and investment of the contributions
      made
      to meet the obligations of the loan. In the event of default the amount of
      Company Stock transferred to the lender in satisfaction of a default cannot
      exceed the amount of such default. In the case of a default in favor of a
      party-in-interest, the default shall only be to the extent of current payments
      due. 

     

     

     

    (d)
      Payments made by the Plan to
      repay an Exempt Loan shall not exceed an amount equal to contributions and
      earnings received during or prior to the year minus such payments in prior
      years. The Company Stock purchased with the proceeds of the loan shall be held
      in a suspense account until the Company Stock is released from the suspense
      account and allocated to the Participants’ Accounts. Company Stock released from
      the suspense account must be equal to an amount calculated by multiplying the
      amount encumbered Company Stock by the fraction of the principal and interest
      paid for the Plan Year divided by the sum of the principal and interest paid
      from the Plan year plus principal and interest for all future years.

     

     

     

    (e)
      If the Trust has obtained an
      Exempt Loan, the Annual Addition limitations of Article VIII shall be determined
      with regard to the contributions used by the Trust to pay the loan and not
      the
      allocation to the Account of each Participant based upon assets withdrawn from
      the suspense account established in accordance with the requirements for such
      Exempt Loan. 

     

     

     

    -
      59 - 

     

    
    

     

    

    ARTICLE
      XVI

     

    MISCELLANEOUS

     

     

     

    16.01
      Participant’s
      Rights. Neither the establishment of the Plan, nor any modification
      thereof, nor the creation of any fund or account, nor any distributions
      hereunder, shall be construed as giving to any Participant or other person
      any
      legal or equitable right against the Employer, or any officer or Employee
      thereof, or the Trustee, or the Plan Administrator except as herein provided.
      Under no circumstances shall the terms of employment of any Participant be
      modified or in any way affected thereby. 

     

     

     

    16.02
      Assignment or
      Alienation of Benefits. 

     

     

     

    (a)
      No benefit or interest available
      hereunder will be subject to assignment or alienation, either voluntarily or
      involuntarily, except as may otherwise be required or permitted by law,
      including the provisions of Section 2105.19(A) (“Persons prohibited from
      benefiting by the death of another”) of the Ohio Revised Code or its successor,
      or any other substantially equivalent law. 

     

     

     

    (b)
      The preceding subsection (a)
      shall also apply to the creation, assignment, or recognition of a right to
      any
      benefit with respect to a participant pursuant to a domestic relations order
      entered before January 1, 1985, or a domestic relations order that is not a
      Qualified Domestic Relations Order. For purposes of this Section 16.02,
“Qualified Domestic Relations Order” means any domestic relations order that
      creates or recognizes the existence of an alternate payee’s right to, or assigns
      to an alternate payee the right to, receive all or a portion of the benefits
      payable with respect to a Participant, and that otherwise meets the requirements
      of Code Section 414(p). 

     

     

     

    As
      soon as practical after receipt
      of a domestic relations order, the Plan Administrator shall determine whether
      it
      is a Qualified Domestic Relations Order. If the domestic relations order is
      determined to be a Qualified Domestic Relations Order, the Plan Administrator
      shall be permitted, in accordance with rules and regulations promulgated by
      the
      Internal Revenue Service and the rules and regulations established by the Plan
      Administrator, to direct the Trustee to make an immediate distribution to the
      alternate payee (i) if the amount is less than $5,000, (ii) as provided in
      any
      such Order, or (iii) as elected by the alternate payee. Such distribution shall
      be permitted regardless of the age or employment of the Participant and
      regardless of whether not the Participant is otherwise entitled to a
      distribution, but only from the Participant’s vested Accounts. 

     

     

     

    (c)
      In addition, the prohibition of
      this Section 16.02 will not apply to any offset of a Participant’s benefit under
      the Plan against an amount the Participant is ordered or required to pay to
      the
      Plan under a judgment, order, decree or settlement agreement that meets the
      requirements as set forth in this Section 16.02. The Participant must be ordered
      or required to pay the Plan under a judgment of conviction for a crime involving
      the Plan, under a civil judgment (including a consent order or decree) entered
      by a court in an action brought in connection with a violation (or alleged
      violation) of part 4 of subtitle B of title I of ERISA, or pursuant to a
      settlement agreement between the Secretary of Labor and the Participant in
      connection with a violation (or alleged violation) of that part 4. This
      judgment, order, decree or settlement agreement must expressly provide for
      the
      offset of all or part of the amount that must be paid to the Plan against the
      Participant’s benefit under the Plan. 

     

     

     

    -
      60 - 

     

    
    

     

    

    16.03
      Reversion of Funds to
      Employer. All Employer contributions are conditioned upon their
      deductibility pursuant to Code Section 404. An Employer shall not directly
      or
      indirectly receive any refund on contributions made to the Trust Fund except
      in
      the following circumstances: 

     

     

     

    (a)
      Mistake of Fact. In the case of
      a contribution made by a mistake of fact, the Trustee shall return the erroneous
      portion of the contribution, without increase for investment earnings, but
      with
      decrease for investment losses, if any, within one year after payment of the
      contribution to the Trust Fund. 

     

     

     

    (b)
      Deductibility. To the extent
      deduction of any contribution determined by an Employer in good faith to be
      deductible is disallowed, the Trustee, at the option of the Employer, shall
      return that portion of the contribution, without increase for investment
      earnings but with decrease for investment losses, if any, for which deduction
      has been disallowed within one year after the disallowance of the deduction.
      

     

     

     

    (c)
      Limitation. No return of
      contribution shall be made under this Section which adversely affects the Plan’s
      qualified status under regulations, rulings or other published positions of
      the
      Internal Revenue Service or reduces a Participant’s Account below the amount it
      would have been had such contribution not been made. 

     

     

     

    Earnings
      attributable to any
      contribution subject to refund shall not be refunded. The amount subject to
      refund shall be reduced by any loss attributable thereto, and by any amount
      that
      would cause the individual account of any Participant to be reduced to less
      than
      the balance that would have been in the account had the contribution subject
      to
      refund not been made. The return of the contribution shall be made within one
      year of the mistaken payment, the disallowance of deduction (to the extent
      disallowed) or the denial of qualification, as the case may be. This Section
      shall not preclude refunds made in accordance with Article XVI. 

     

     

     

    16.04
      Action by
      Company. Any action by the Company or an Employer under this Plan may
      be by resolution of the Board of Directors, or by any person or persons duly
      authorized by resolution of the Board of Directors or by the By-Laws of the
      Company (or Employer) to take such action. Whenever the Company or an Employer,
      under the terms of the Plan, is permitted or required to do or perform any
      act
      or matter or thing, it shall be done and performed by any officer thereunto
      duly
      authorized. 

     

     

     

    16.05
      Allocation of
      Responsibilities. None of the allocated responsibilities or any other
      responsibilities shall be shared by any two or more Named Fiduciaries unless
      such sharing is provided by a specific provision of the Plan. Whenever one
      Named
      Fiduciary is required to follow the directions of another Named Fiduciary,
      the
      responsibility shall be that of the Named Fiduciary giving the directions.
      

     

     

     

    16.06
      Construction of
      Plan. To the extent not in conflict with the provisions of ERISA, all
      questions of interpretation of the Plan shall be governed by the laws of the
      State of Ohio (determined without regard to its conflict of laws provisions).
      

     

     

     

    -
      61 - 

     

    
    

     

    

    16.07
      Gender and
      Number. Wherever any words are used herein in the masculine gender,
      they shall be construed as though they were also used in the feminine gender
      in
      all cases where they would so apply, and wherever any words are used herein
      in
      the singular form, they shall be construed as though they were also used in
      the
      plural form in all cases where they would so apply. 

     

     

     

    16.08
      Headings.
      Headings of sections are for general information only, and the Plan is not
      to be
      construed by reference thereto. 

     

     

     

    16.09
      Incapacity.
      If the Plan Administrator determines that a person entitled to receive any
      benefit payment is under a legal disability or is incapacitated in any way
      so as
      to be unable to manage his or her financial affairs, the Plan Administrator
      may
      make payments to such person for his or her benefit, or apply the payments
      for
      the benefit of such person in such manner as the Plan Administrator considers
      advisable. Any payment of a benefit in accordance with the provisions of this
      Section shall be a complete discharge of any liability to make such payment.
      

     

     

     

    16.10
      Employee
      Data. The Plan Administrator or the Trustee may require that each
      Employee provide such data as it deems necessary upon becoming a Participant
      in
      the Plan. Each Employee, upon becoming a Participant, shall be deemed to have
      approved of and to have acquiesced in each and every provision of the Plan
      for
      himself, his or her personal representatives, distributees, legatees, assigns,
      and beneficiaries. 

     

     

     

    16.11
      Unclaimed
      Amounts. Unclaimed amounts will consist of the amounts of the Accounts
      of a retired, deceased or terminated Participant that cannot be distributed
      because of the Plan Administrator’s inability, after a reasonable search, to
      locate a Participant or his or her beneficiary within a two-year period after
      the payment of benefits becomes due. Unclaimed amounts for a Plan Year will
      become a Forfeiture and will be allocated for the Plan Year as determined in
      accordance with Section 5.05 hereof, within a reasonable time after the close
      of
      the Plan Year in which the two-year period will end. An unclaimed amount
      subsequently claimed properly by a Participant or beneficiary will be paid
      to
      the Participant or beneficiary, and will be treated as a charge against
      Forfeitures or the income or gain to the Trust for the Plan Year, unless the
      Company, in its discretion, makes a contribution to the Plan for the Plan Year
      in an amount sufficient to pay the unclaimed amount. 

     

     

     

    16.12
      Reduction for
      Overpayment. The Plan Administrator shall, whenever it determines that
      a person has received benefit payments under this Plan in excess of the amount
      to which the person is entitled under the terms of the Plan, make reasonable
      attempts to collect such overpayment from the person. 

     

     

     

    16.13
      Invalidity of Certain
      Provisions. If any provision of this Plan shall be held invalid or
      unenforceable, such invalidity or unenforceability shall not affect any other
      provisions hereof and the Plan shall be construed and enforced as if such
      provisions, to the extent invalid or unenforceable, had not been included.
      

     

     

     

    16.14
      Plan
      Supplements. The provisions of this Plan may be modified by Supplements
      or Appendices to the Plan. The terms and provisions of each Supplement or
      Appendix are part of the Plan and supersede the provisions of the Plan to the
      extent necessary to eliminate any inconsistencies between the Plan and the
      Supplements or Appendices. 

     

     

     

    -
      62 - 

     

    
    

     

    

    ARTICLE
      XVII

     

    TOP
      HEAVY
      PROVISIONS

     

     

     

    17.01
      Definitions.
      The following definitions shall apply for purposes of this Article XVI:

     

     

     

    (a)
      Aggregation
      Group.“Aggregation Group” shall mean the following: 

     

     

     

    (i)
      Each plan of the Employer in
      which a Key Employee is a Participant; 

     

     

     

    (ii)
      Each other plan of the Employer
      (including a terminated plan of the Employer if it was maintained within the
      last 5 years ending on the Determination Date for the Plan Year being tested
      for
      Top Heavy status) that allows a plan covering a Key Employee to meet
      qualification requirements under the coverage rules of Section 410 or the
      anti-discrimination rules of Code Section 401(a)(4); except that for Plan Years
      beginning after December 31, 2001, a terminated plan will be included in the
      Aggregation Group only if the Employer maintained it during the one-year period
      ending on the Determination Date; 

     

     

     

    (iii)
      At the option of the Employer,
      any other Plan maintained by the Employer as long as the expanded Aggregation
      Group including such plan or plans continues to satisfy the coverage rules
      of
      Section 410 and the nondiscrimination rules of Code Section 401(a)(4).

     

     

     

    (b)
Compensation.
      “Compensation” means compensation received from the Employer during the
      Plan Year that is includible in gross income for income tax purposes, including
      any elective deferrals (as defined in Code Section 402(g)(3)) and amounts
      contributed or deferred by the Employer at the election of the Employee and
      that
      is not includible in the gross income of the Employee by reason of Code Section
      125, 132(f)(4) or 457. 

     

     

     

    (c)
      Determination
      Date.“Determination Date” shall mean the last day of the Plan Year
      preceding the Plan year that is being tested for Top Heavy status. In the first
      Plan year, the Determination Date shall mean the last day of the Plan Year
      that
      is being tested for Top Heavy status. 

     

     

     

    (d)
      Key
      Employee.“Key Employee” means any Employee or former Employee
      (including any deceased Employee) who at any time during the Plan Year that
      includes the Determination Date was: (i) an officer of the Employer having
      Compensation greater than $130,000 (as adjusted under Code Section 416(i)(l));
      (ii) a 5% owner of the Employer; or (iii) a 1% owner of the Employer having
      Compensation of more than $150,000. 

     

     

     

    For
      purposes of determining the top
      ten owners, 5% owners, or 1% owners, ownership is determined without regard
      to
      the aggregation rules of Sections 414(b), (c) and (m) of the Code. 

     

     

     

    (e)
      Non-Key
      Employee.“Non-Key Employee” means any Employee who is not a Key
      employee. Non-Key employees include Employees who are former Key Employees.
      

     

     

     

    -
      63 - 

     

    
    

     

    

    17.02
      Determination of Top
      Heavy Status. The Plan will be considered Top Heavy if, as of the
      Determination Date, the present value of cumulative accrued benefits under
      the
      Plan for Key Employees exceeds 60% of the present value of the cumulative
      accrued benefits under the Plan for all Employees. In determining the ratio
      of
      accrued benefits for Key Employees to all other Employees, the Plan
      Administrator shall use the procedure as outlined in Code Section 416(g) which
      is incorporated herein by reference. In determining whether the Plan is
      considered Top Heavy, all plans within the Aggregation Group will be utilized
      for the calculation. For this purpose, all Employer Contributions, including
      401(k) Contributions, and forfeitures shall be taken into account in determining
      the contribution percentage made on behalf of any Key Employee. 

     

     

     

    Solely
      for the purpose of
      determining if the Plan, or any other plan included in the Aggregation Group
      is
      Top Heavy, the accrued benefit of an Employee other than a Key Employee shall
      be
      determined under. 

     

     

     

    (a)
      the method; if any, that
      uniformly applies for accrual purposes under all plans maintained by the
      Employer or the Company, or 

     

     

     

    (b)
      if there is no such method, as
      if such benefit accrued not more rapidly than the slowest accrual rate permitted
      under the fractional accrual rate of Code Section 411(b)(1)(C). 

     

     

     

    The
      present value of cumulative
      accrued benefits of a Participant who has not been credited with an Hour of
      Service for the Employer maintaining the Plan during the five-year period ending
      on the Determination Date will be disregarded for purposes of this Article
      XVII;
      except that for Plan Years beginning after December 31, 2001, the present value
      of cumulative accrued benefits will be disregarded for a Participant who has
      not
      been credited with an Hour of Service for the Employer maintaining the Plan
      during the one-year period ending on the Determination Date. 

     

     

     

    17.03
      Minimum
      Contribution. In the event that the Plan in aggregation with any other
      Defined Contribution Plans of the Employer is determined to be Top Heavy, the
      Participants who are Non-Key Employees will be eligible for a minimum
      contribution for such Plan Year. This minimum contribution that shall be
      allocated to the ESOP Contributions Account of each Participant who is a Non-Key
      Employee, will be contributed to this Plan in an amount equal to 3% of
      Compensation or if less, the largest contribution percentage of Compensation
      (taking into account all Employer Contributions, including 401(k) Contributions,
      and forfeitures) provided on behalf of any Key Employee. The minimum
      contribution required by this Section shall be made on behalf of such
      Participants who are employed as of the last day of the Plan year regardless
      of
      the numbers of Hours of Service credited to each Participant for such Plan
      Year,
      regardless of such Participant’s level of Compensation and regardless of whether
      such Participant is authorizing 401(k) Contributions to the Plan. If this
      minimum contribution is provided by another Defined Contribution Plan of the
      Employer, then this Section will not apply to this Plan. If part of this minimum
      contribution is provided by another Defined Contribution Plan of the Employer,
      then the balance of the minimum contribution shall be provided by this Plan.
      401(k) Contributions of Non-Key Employees shall not be considered as part of
      the
      minimum contribution required by this Section 17.03. For Plan Years beginning
      after December 31, 2001, Matching Contributions will be taken into account
      for
      purposes of providing the minimum contribution required by this Section 17.03
      on
      behalf of Non-Key Employees. 

     

     

     

    -
      64 - 

     

    
    

     

    

    17.04
      Minimum
      Vesting. In the event the Plan is determined to be Top Heavy, each
      Participant shall have a nonforfeitable interest in his or her Accounts at
      least
      equal to the following schedule: 

     

     

     

    
      	
            	
            	
            
	
              Years of Service

               

              

            	  	Nonforfeitable Percentage

              

            
	
            	
            
	
              Less than 3

               

            	  	0%
	
              3 or More

               

            	  	100%

    

     

     

    The
      above schedule shall not apply
      where the nonforfeitable interest in the Participant’s Accounts would be greater
      under Article V of the Plan. 

     

     

     

    -
      65 - 

     

    
    

     

    

    ARTICLE
      XVIII

     

    MINIMUM
      DISTRIBUTION
      REQUIREMENTS

     

     

     

    18.01
      General Rules.

     

     

     

    (a)
Effective
      Date.
      The provisions of this Article will apply for purposes of determining required
      minimum distributions for calendar years beginning with the 2003 calendar year.
      

     

     

     

    (b)
Precedence.
      The
      requirements of this Article will take precedence over any inconsistent
      provisions of the Plan. 

     

     

     

    (c)
Requirements
      of Treasury
      Regulations Incorporated. All distributions required under this Article
      will be determined and made in accordance with the Treasury regulations under
      Section 401(a)(9) of the Code. 

     

     

     

    (d)
      Notwithstanding the other
      provisions of this Section, distributions may be made under a designation made
      before January 1, 1984, in accordance with section 242(b)(2) of the Tax Equity
      and Fiscal Responsibility Act (“TEFRA”) and the provisions of the Plan that
      relate to section 242(b)(2) of TEFRA. 

     

     

     

    18.02
      Time and Manner of
      Distribution. 

     

     

     

    (a)
Required
      Distribution
      Date. The Participant’s entire interest will be distributed, or begin
      to be distributed, to the Participant no later than the Participant’s Required
      Distribution Date. 

     

     

     

    (b)
Death
      of Participant
      Before Distributions Begin. If the Participant dies before
      distributions begin, the Participant’s entire interest will be distributed, or
      begin to be distributed, no later than as follows: 

     

     

     

    (i)
      If the Participant’s surviving
      spouse is the Participant’s sole Beneficiary, distributions to the surviving
      spouse will begin by December 31 of the calendar year immediately following
      the
      calendar year in which the Participant died, or by December 31 of the calendar
      year in which the Participant would have attained age 70 1/2,
      if later.

     

     

     

    (ii)
      If the Participant’s surviving
      spouse is not the Participant’s sole Beneficiary, distributions to the
      Beneficiary will begin by December 31 of the calendar year immediately following
      the calendar year in which the Participant died. 

     

     

     

    (iii)
      If there is no Designated
      Beneficiary as of September 30 of the year following the year of the
      Participant’s death, the Participant’s entire interest will be distributed by
      December 31 of the calendar year containing the fifth anniversary of the
      Participant’s death. 

     

     

     

    (iv)
      If the Participant’s surviving
      spouse is the Participant’s sole Beneficiary and the surviving spouse dies after
      the Participant but before distributions to the surviving spouse begin, this
      Section 18.02(b), other than Section 18.02(b)(i), will apply as if the surviving
      spouse were the Participant. 

     

     

     

    -
      66 - 

     

    
    

     

    

    For
      purposes of this Section
      18.02(b) and Section 18.04, unless Section 18.02(b)(iv) applies, distributions
      are considered to begin on the Participant’s Required Distribution Date. If
      Section 18.02(b)(iv) applies, distributions are considered to begin on the
      date
      distributions are required to begin to the surviving spouse under Section
      18.02(b)(i). 

     

     

     

    (c)
Forms
      of
      Distribution. Unless the Participant’s interest is distributed in the
      form of a single sum on or before the Required Distribution Date, as of the
      first Distribution Calendar Year distributions will be made in accordance with
      Sections 18.03 and 18.04. 

     

     

     

    18.03
      Required Minimum
      Distributions During Participant’s Lifetime. 

     

     

     

    (a)
Amount
      of Required
      Minimum Distribution For Each Distribution Calendar Year. During the
      Participant’s lifetime, the minimum amount that will be distributed for each
      Distribution Calendar Year is the lesser of: 

     

     

     

    (i)
      the quotient obtained by
      dividing the Participant’s Account Balance by the distribution period in the
      Uniform Lifetime Table set forth in Section 1.401(a)(9)-9 of the Treasury
      regulations, using the Participant’s age as of the Participant’s birthday in the
      Distribution Calendar Year; or 

     

     

     

    (ii)
      if the Participant’s sole
      Beneficiary for the Distribution Calendar Year is the Participant’s spouse, the
      quotient obtained by dividing the Participant’s Account Balance by the number in
      the Joint and Last Survivor Table set forth in Section 1.401(a)(9)-9 of the
      Treasury regulations, using the Participant’s and spouse’s attained ages as of
      the Participant’s and spouse’s birthdays in the Distribution Calendar Year.

     

     

     

    (b)
Lifetime
      Required
      Minimum Distributions Continue Through Year of Participant’s Death.
      Required minimum distributions will be determined under this Section 18.03
      beginning with the first Distribution Calendar Year and up to and including
      the
      Distribution Calendar Year that includes the Participant’s date of death.

     

     

     

    18.04
      Required Minimum
      Distribution After Participant’s Death. 

     

     

     

    (a)
Death
      On or After Date
      Distributions Begin.

     

     

     

    (i)
Participant
      Survived by
      Designated Beneficiary. If the Participant dies on or after the date
      distributions begin and there is a Designated Beneficiary, the minimum amount
      that will be distributed for each Distribution Calendar Year after the year
      of
      the Participant’s death is the quotient obtained by dividing the Participant’s
      Account Balance by the longer of the remaining Life Expectancy of the
      Participant or the remaining Life Expectancy of the Participant’s Designated
      Beneficiary, determined as follows: 

     

     

     

    (1)
      The Participant’s remaining Life
      Expectancy is calculated using the age of the Participant in the year of death,
      reduced by one for each subsequent year. 

     

     

     

    -
      67 - 

     

    
    

     

    

    (2)
      If the Participant’s surviving
      spouse is the Participant’s sole Beneficiary, the remaining Life Expectancy of
      the surviving spouse is calculated for each Distribution Calendar Year after
      the
      year of the Participant’s death using the surviving spouse’s age as of the
      spouse’s birthday in that year. For Distribution Calendar Years after the year
      of the surviving spouse’s death, the remaining Life Expectancy of the surviving
      spouse is calculated using the age of the surviving spouse as of the spouse’s
      birthday in the calendar year of the spouse’s death, reduced by one for each
      subsequent calendar year. 

     

     

     

    (3)
      If the Participant’s surviving
      spouse is not the Participant’s sole Beneficiary, the Beneficiary’s remaining
      Life Expectancy is calculated using the age of the Beneficiary in the year
      following the year of the Participant’s death, reduced by one for each
      subsequent year. 

     

     

     

    (ii)
No
      Designated
      Beneficiary. If the Participant dies on or after the date distributions
      begin and there is no Designated Beneficiary as of September 30 of the year
      after the year of the Participant’s death, the minimum amount that will be
      distributed for each Distribution Calendar Year after the year of the
      Participant’s death is the quotient obtained by dividing the Participant’s
      Account Balance by the Participant’s remaining Life Expectancy calculated using
      the age of the Participant in the year of death, reduced by one for each
      subsequent year. 

     

     

     

    (b)
Death
      Before Date
      Distributions Begin.

     

     

     

    (i)
Participant
      Survived by
      Designated Beneficiary. If the Participant dies before the date
      distributions begin and there is a Designated Beneficiary, the minimum amount
      that will be distributed for each Distribution Calendar Year after the year
      of
      the Participant’s death is the quotient obtained by dividing the Participant’s
      Account Balance by the remaining Life Expectancy of the Participant’s Designated
      Beneficiary, determined as provided in Section 18.04(a). 

     

     

     

    (ii)
No
      Designated
      Beneficiary. If the Participant dies before the date distributions
      begin and there is no Designated Beneficiary as of September 30 of the year
      following the year of the Participant’s death, distribution of the Participant’s
      entire interest will be completed by December 31 of the calendar year containing
      the fifth anniversary of the Participant’s death. 

     

     

     

    (iii)
Death
      of Surviving
      Spouse Before Distributions to Surviving Spouse Are Required to Begin.
      If the Participant dies before the date distributions begin, the Participant’s
      surviving spouse is the Participant’s sole Designated Beneficiary, and the
      surviving spouse dies before distributions are required to begin to the
      surviving spouse under Section 18.02(b)(i), this Section 18.04(b) will apply
      as
      if the surviving spouse were the Participant. 

     

     

     

    -
      68 - 

     

    
    

     

    

    18.05
      Definitions.
      For purposes of this Article XVI, the following terms shall have the following
      meaning: 

     

     

     

    (a)
Designated
      Beneficiary.“Designated Beneficiary” means the individual who is
      designated as the Beneficiary and is the Designated Beneficiary under Section
      401(a)(9) of the Code and Section 1.401(a)(9)-1, Q&A-4, of the Treasury
      regulations. 

     

     

     

    (b)
Distribution
      Calendar
      Year.“Distribution Calendar Year” means a calendar year for which a
      minimum distribution is required. For distributions beginning before the
      Participant’s death, the first Distribution Calendar Year is the calendar year
      immediately preceding the calendar year which contains the Participant’s
      Required Distribution Date. For distributions beginning after the Participant’s
      death, the first Distribution Calendar Year is the calendar year in which
      distributions are required to begin under Section 18.02(b). The required minimum
      distribution for the Participant’s first Distribution Calendar Year will be made
      on or before the Participant’s Required Distribution Date. The required minimum
      distribution for other Distribution Calendar Years, including the required
      minimum distribution for the Distribution Calendar Year in which the
      Participant’s Required Distribution Date occurs, will be made on or before
      December 31 of that Distribution Calendar Year. 

     

     

     

    (c)
Life
      Expectancy.“Life Expectancy” is life expectancy as computed by use of
      the Single Life Table in Section 1.401(a)(9)-9 of the Treasury regulations.
      

     

     

     

    (d)
Participant’s
      Account
      Balance.“Participant’s Account Balance” means the account balance as of
      the last valuation date in the calendar year immediately preceding the
      Distribution Calendar Year (valuation calendar year) increased by the amount
      of
      any contributions made and allocated or forfeitures allocated to the account
      balance as of dates in the valuation calendar year after the valuation date
      and
      decreased by distributions made in the valuation calendar year after the
      valuation date. The account balance for the valuation calendar year includes
      any
      amounts rolled over or transferred to the Plan either in the valuation calendar
      year or in the Distribution Calendar Year if distributed or transferred in
      the
      valuation calendar year. 

     

     

     

    (e)
Required
      Distribution
      Date.“Required Distribution Date” is the date specified in Section 6.05
      of the Plan. 

     

     

     

    -
      69 - 

     

    

     

     

     

     

    FIRST
      AMENDMENT

     

    OF
      THE

     

    SKY
      FINANCIAL GROUP, INC.
      PROFIT SHARING AND 401(K) PLAN

     

    (As
      Amended and Restated Effective
      January 1, 2004) 

     

     

     

    WHEREAS,
      Sky
      Financial Group, Inc. (the “Company”) maintains the Sky Financial Group, Inc.
      Profit Sharing, 401(k) and ESOP Plan, As Amended and Restated Effective January
      1, 2004 (the “Plan”); and 

     

     

     

    WHEREAS,
      the
      Company has delegated authority to amend the Plan to the Sky Financial Group,
      Inc. Benefit Plans Committee (the “Committee”), and the Committee has determined
      that amendment of the Plan is necessary and desirable. 

     

     

     

    NOW,
      THEREFORE,
      pursuant to the power reserved to the Company by Section 10.01 of the Plan,
      and
      by virtue of the authority delegated to the Committee, the Plan, as previously
      amended, is hereby further amended, effective as of, and contingent upon the
      closing of the Company’s sale of the stock of Sky Financial Solutions, Inc. on
      March 31, 2004, by adding a the following new Section 13.12 to the Plan,
      immediately after Section 13.11 thereof. 

     

     

     

    “13.12
Vesting
      of Sky Financial
      Solutions, Inc. Employees’ Accounts. Effective March 31, 2004, the Company
      sold all of the outstanding stock of Sky Financial Solutions, Inc. (‘Sky
      Solutions’). Effective March 31, 2004 (the ‘Closing Date’), and contingent upon
      the closing of the sale of all of the outstanding stock of Sky Solutions on
      the
      Closing Date, the Accounts of each Participant who is an employee of Sky
      Solutions on the Closing Date will be fully vested.” 

     

     

     

    *            
      *             *

     

     

     

    IN
      WITNESS WHEREOF,
      on behalf of the Committee, the undersigned Committee member has executed this
      amendment this 9th day of March 2004. 

     

     

     

    
      	
            	
            	
            
	
              SKY
                FINANCIAL GROUP,
                INC.

               

              BENEFIT
                PLANS
                COMMITTEE

               

            
	
            	
            
	
              By:

               

            	 	
              /s/
                Thomas A.
                Sciorilli

               

              

            
	
              Its:

               

            	 	
              Senior Vice President & Chief Human Resources Officer

               

              

            

    

    

     

     

     

     

    SECOND
      AMENDMENT

     

    OF
      THE

     

    SKY
      FINANCIAL GROUP, INC.
      PROFIT SHARING, 401(K)
AND ESOP PLAN

     

    (As
      Amended and Restated Effective
      January 1, 2004) 

     

     

     

    WHEREAS,
      Sky Financial Group, Inc. (the
“Company”) maintains the Sky Financial Group, Inc. Profit Sharing, 401(k) and
      ESOP Plan (the “Plan”); and 

     

     

     

    WHEREAS,
      the Company has delegated
      authority to amend the Plan to the Sky Financial Group, Inc. Benefit Plans
      Committee (the “Committee”), and the Committee has determined that amendment of
      the Plan is necessary and desirable. 

     

     

     

    NOW,
      THEREFORE, pursuant to the power reserved to the Company
      by Section 10.01 of the Plan, and by virtue of the authority delegated to the
      Committee, the Plan, as previously amended, is hereby further amended, effective
      as of, and contingent upon the closing of the Company’s acquisition of all of
      the outstanding stock of Second Bancorp Incorporated on or about July 1, 2004,
      by adding the following to new Section 13.13 to the Plan, immediately after
      Section 13.12 thereof: 

     

     

     

    “13.13
      Employees of Second
      Bancorp Incorporated. The Company acquired all of the outstanding stock
      of Second Bancorp Incorporated (‘SBI’) effective on or about July 1, 2004 (the
‘Acquisition Date’). Effective January 1, 2005, eligible employees of SBI, and
      any corporation that is affiliated with SBI, will be eligible to participate
      in
      the Plan. No employee of SBI, or any corporation that was affiliated with SBI
      immediately prior to the Acquisition Date, shall be eligible to participate
      in
      the Plan until January 1, 2005.” 

     

     

     

    *            
      *             *

     

    
    

     

    

    IN
      WITNESS WHEREOF, on behalf of the
      Committee, the undersigned Committee member has executed this amendment this
      28th day of June 2004. 

     

     

     

    
      	
            	
            	
            
	
              SKY
                FINANCIAL GROUP,
                INC.

               

            
	
              BENEFIT
                PLANS COMMITTEE

               

            
	
            	
            
	
              By:

               

            	 	
              /s/
                Thomas A.
                Sciorilli

               

              

            
	 	 	
              Thomas
                A.
                Sciorilli

               

            
	
            	
            
	
              Its:

               

            	 	
              Senior Vice President & Chief Human Resources Officer

               

            

    

     

     

    -
      2 - 

     

    

     

     

     

     

     

     

     

     

    THIRD
      AMENDMENT

     

    OFTHE

     

    SKY
      FINANCIAL GROUP, INC.
      PROFIT SHARING, 401(K)
AND ESOP PLAN

     

    (As
      Amended and Restated Effective
      January 1, 2004) 

     

     

     

    WHEREAS,
      Sky Financial Group, Inc. (the
“Company”) maintains the Sky Financial Group, Inc. Profit Sharing, 401(k) and
      ESOP Plan (the “Plan”); and 

     

     

     

    WHEREAS,
      the Company has delegated
      authority to amend the Plan to the Sky Financial Group, Inc. Benefit Plans
      Committee (the “Committee”), and the Committee has determined that amendment of
      the Plan is necessary and desirable. 

     

     

     

    NOW,
      THEREFORE, pursuant to the power reserved to the Company
      by Section 10.01 of the Plan, and by virtue of the authority delegated to the
      Committee, the Plan, as previously amended, is hereby further amended, effective
      as of January 1, 2005, in the following particulars: 

     

     

     

    1.
      By adding the following sentence
      to Section 1.23 of the Plan: 

     

     

     

    “Effective
      January 1, 2005, the term
‘M&E Participant’ means either a (i) Participant for whom an amount was
      transferred from the Meyer & Eckenrode Insurance Group, Inc. 401(k) Profit
      Sharing Plan, or (ii) a former participant in the Meyer & Eckenrode
      Insurance Group, Inc. 401(k) Profit Sharing Plan who is entitled to a
      restoration of his or her Accounts upon reemployment.” 

     

     

     

    2.
      By substituting the following for
      Section 13.13 of the Plan, in its entirety: 

     

     

     

    “13.13
      Merger of Second Bank
      Plan Accounts Effective January 1, 2005. Prior to January 1, 2005, the
      Company (as a result of its acquisition of Second Bancorp Incorporated (‘SBI’),
      effective July 1, 2004) maintained the Second Bancorp Incorporated 401(k) Plan
      (the ‘SBI Plan’). Effective January 1, 2005, the SBI Plan is merged into, and
      amended and restated in the form of, this Plan. 

     

     

     

    An
      Employee who was an employee of
      SBI or any corporation that was affiliated with SBI immediately prior to
      acquisition by the Company and/or a participant in the SBI Plan is eligible
      to
      participate in the Plan beginning January 1, 2005, if the Employee meets the
      requirements of Section 2.01. Notwithstanding the foregoing or the provisions
      of
      Section 2.01, no Employees of Stouffer-Herzog Insurance Agency, Inc. will be
      eligible to receive Profit Sharing Contributions provided for under Section
      3.04
      of the Plan. 

     

    
    

     

    

    Amounts
      transferred from the SBI
      Plan pursuant to this Section from a Participant’s account that were
      attributable to ‘Elective Deferrals’ under the SBI Plan shall be held and
      invested in the Participant’s 401(k) Contributions Account under this Plan,
      according to the Participant’s investment elections. Amounts transferred from
      the SBI Plan that were attributable to ‘Matching Contributions’ under the SBI
      Plan shall be held and invested in the Participant’s Matching Contributions
      Account under this Plan. Amounts transferred from the SBI Plan that were
      attributable to ‘Rollover Contributions’ under the SBI Plan shall be held and
      invested in the Participant’s Rollover Contributions Account under this Plan.
      Amounts transferred from the SBI Plan that were attributable to ‘Transfer
      Contributions’ under the SBI Plan shall be held and invested in the
      Participant’s Prior Plan Account under this Plan. 

     

     

     

    A
      Participant for whom amounts are
      transferred under this Section 13.13 will always have a nonforfeitable interest
      in the amounts transferred from the SBI Plan. 

     

     

     

    ‘Years
      of Service’ credited under
      the SBI Plan will count as Years of Service for all purposes under this Plan.”

     

     

     

    3.
      By adding the following new
      Section 13.14 to the Plan: 

     

     

     

    “13.14
      Merger of M&E
      Plan Accounts Effective January 1, 2005. Prior to January 1, 2005, the
      Company (as a result its acquisition of Meyer & Eckenrode Insurance Group,
      Inc. (‘M&E’) effective July 13, 2000) maintained the Meyer & Eckenrode
      Insurance Group, Inc. 401(k) Plan (the ‘M&E Plan’). Effective January 1,
      2005, the M&E Plan is merged into, and amended and restated in the form of,
      this Plan. 

     

     

     

    An
      Employee who was an employee of
      M&E or any corporation that was affiliated with M&E prior to acquisition
      by the Company and/or a participant in the M&E Plan is eligible to
      participate in the Plan beginning January 1, 2005, if the Employee meets the
      requirements of Section 2.01. Notwithstanding the foregoing or the provisions
      of
      Section 2.01, no Employees of Meyer & Eckenrode Insurance Group, Inc. will
      be eligible to receive Profit Sharing Contributions provided for under Section
      3.04 of the Plan.

     

     

     

    Amounts
      transferred from the M&E
      Plan pursuant to this Section from a Participant’s account that were
      attributable to ‘Elective Deferrals’ under the M&E Plan shall be held and
      invested in the Participant’s 401(k) Contributions Account under this Plan,
      according to the Participant’s investment elections. Amounts transferred from
      the M&E Plan that were attributable to ‘Employer matching contributions’
under the M&E Plan shall be held and invested in the Participant’s Matching
      Contributions Account under this Plan. Amounts transferred from the M&E Plan
      that were attributable to ‘Employer Non-Elective Contributions’ under the
      M&E Plan shall be held and invested in the Participant’s Profit Sharing
      Contributions Account under this Plan. Amounts transferred from the M&E Plan
      that were attributable to ‘rollovers’ under the M&E Plan shall be held and
      invested 

     

     

     

    -
      2 - 

     

    
    

     

    

    in
      the Participant’s Rollover
      Contributions Account under this Plan. Amounts transferred from the M&E Plan
      that were attributable to ‘transfers’ under the M&E Plan shall be held and
      invested in the Participant’s Prior Plan Account under this Plan. 

     

     

     

    A
      Participant for whom amounts are
      transferred under this Section 13.14 will always have a nonforfeitable interest
      in the amounts transferred from the M&E Plan. 

     

     

     

    ‘Years
      of Service’ credited under
      the M&E Plan will count as Years of Service for all purposes under this
      Plan. 

     

     

     

    Notwithstanding
      the provisions of
      Section 6.02 of the Plan, the provisions of Section 6.03(a) through 6.03(c)
      shall apply exclusively to all distributions to M&E Participants scheduled
      to commence prior to the 90th day after the M&E Participant has been
      furnished a summary of Section 6.02 that satisfies the requirements of 29 C.F.R.
      Section 2520.104(b)-3; provided, however, that the distribution option under
      Section 6.03(b)(ii) shall not be available to M&E Participants. After such
      summary has been furnished, the provisions of Section 6.02 shall apply
      exclusively to all distributions to M&E Participants.” 

     

     

     

    4.
      By adding the following new
      Section 13.15 of the Plan: 

     

     

     

    “13.15
      Merger of EOB Plan
      Accounts Effective January 1, 2005. Prior to January 1, 2005, the
      Company (as a result of the merger of E.O.B., Inc. with and into the Company
      effective April 1, 2004) maintained the E.O.B., Inc. 401(k) Plan (the ‘EOB
      Plan’). Effective January 1, 2005, the EOB Plan is merged into, and amended and
      restated in the form of, this Plan. 

     

     

     

    An
      Employee who was an employee of
      E.O.B., Inc. and/or a participant in the EOB Plan is eligible to participate
      in
      the Plan beginning January 1, 2005, if the Employee meets the requirements
      of
      Section 2.01. Notwithstanding the foregoing or the provisions of Section 2.01,
      no Employees of E.O.B., Inc will be eligible to receive Profit Sharing
      Contributions provided for under Section 3.04 of the Plan.

     

     

     

    Amounts
      transferred from the EOB
      Plan pursuant to this Section from a Participant’s account that were
      attributable to ‘elective deferrals’ under the EOB Plan shall be held and
      invested in the Participant’s 401(k) Contributions Account under this Plan,
      according to the Participant’s investment elections. Amounts transferred from
      the EOB Plan that were attributable to ‘Employer matching contributions’ under
      the EOB Plan shall be held and invested in the Participant’s Matching
      Contributions Account under this Plan. Amounts transferred from the EOB Plan
      that were attributable to ‘Employer non-elective contributions’ under the EOB
      Plan shall be held and invested in the Participant’s Profit Sharing
      Contributions Account under this Plan. Amounts transferred from the EOB Plan
      that were attributable to ‘rollover contributions’ under the EOB Plan shall be
      held and invested in the Participant’s Rollover Contributions Account under this
      Plan. 

     

     

     

    -
      3 - 

     

    
    

     

    

    A
      Participant for whom amounts are
      transferred under this Section 13.15 will always have a nonforfeitable interest
      in the amounts transferred from the EOB Plan. 

     

     

     

    ‘Years
      of Service’ credited under
      the EOB Plan will count as Years of Service for all purposes under this Plan.”

     

     

     

    5.
      By adding the following new
      Section 13.16 to the Plan: 

     

     

     

    “13.16
      Merger of Prospect
      Bank Plan Accounts Effective as of January 1, 2005. Prior to January 1,
      2005, the Company (as a result of the Company’s acquisition of Prospect
      Bancshares, Inc. on or about November 30, 2004) maintained the Prospect Bank
      401(k) Plan (the ‘Prospect Bank Plan’). Effective as of January 1, 2005, the
      Prospect Bank Plan is merged into, and amended and restated in the form of,
      this
      Plan. An Employee who was an employee of Prospect Bank and/or a participant
      in
      the Prospect Bank Plan is eligible to participate in the Plan beginning January
      1, 2005, if the Employee meets the requirements of Section 2.01. 

     

     

     

    Amounts
      transferred from the
      Prospect Bank Plan pursuant to this Section from a Participant’s account that
      were attributable to ‘Elective Contributions’ under the Prospect Bank Plan shall
      be held and invested in the Participant’s 401(k) Contributions Account under
      this Plan, according to the Participant’s investment elections. Amounts
      transferred from the Prospect Bank Plan that were attributable to ‘matching
      contributions’ under the Prospect Bank Plan shall be held and invested in the
      Participant’s Matching Contributions Account under this Plan. Amounts
      transferred from the Prospect Bank Plan that were attributable to ‘discretionary
      profit sharing contributions’ under the Prospect Bank Plan shall be held and
      invested in the Participant’s Profit Sharing Contributions Account under this
      Plan. Amounts transferred from the Prospect Bank Plan that were attributable
      to
‘rollovers’ under the Prospect Bank Plan shall be held and invested in the
      Participant’s Rollover Contributions Account under this Plan. Amounts
      transferred from the Prospect Bank Plan that were attributable to ‘transfers’
under the Prospect Bank Plan shall be held and invested in the Participant’s
      Prior Plan Account under this Plan. 

     

     

     

    A
      Participant for whom amounts are
      transferred under this Section 13.16 will always have a nonforfeitable interest
      in the amounts transferred from the Prospect Bank Plan. 

     

     

     

    ‘Years
      of Service’ credited under
      the Prospect Bank Plan will count as Years of Service for all purposes under
      this Plan.” 

     

     

     

    -
      4 - 

     

    
    

     

    

    6.
      By adding the following new
      paragraph (j) of Section 14.01 of the Plan, effective January 1, 2005:

     

     

     

    “(j)
      For each M&E Participant,
      if the value of the Participant’s vested Accounts subject to security for a loan
      is in excess of $5,000, then in the 90-day period ending on the date on which
      the loan is secured, the Participant’s spouse, if any, must consent to the loan.
      If the spouse does not give consent, then such Participant shall not be eligible
      for a loan. Notwithstanding the foregoing, the spouse’s consent is not required
      for any loan that is scheduled to be disbursed on or after the 90th day after
      the Participant has been furnished a summary of Section 6.02 that satisfies
      the
      requirements of 29 C.F.R. Section 2520.104(b)-3.” 

     

     

     

    7.
      By adding the following new
      paragraph (c) of Section 14.02 of the Plan, effective January 1, 2005:

     

     

     

    “(c)
      For each M&E Participant,
      hardship distributions are subject to the spousal consent requirements contained
      in Code Sections 401(a)(11) and 417. Notwithstanding the foregoing, spousal
      consent is not required for any hardship distribution that is scheduled to
      be
      distributed on or after the 90th day after the Participant has been furnished
      a
      summary of Section 6.02 that satisfies the requirements of 29 C.F.R. Section
      2520.104(b)-3.” 

     

     

     

    8.
      By adding the following new
      paragraph to the end of Section 14.05 of the Plan, effective January 1, 2005:
      

     

     

     

    “In-service
      distributions to M&E
      Participants are subject to the spousal consent requirements contained in Code
      Sections 401(a)(11) and 417. Notwithstanding the foregoing, spousal consent
      is
      not required for any in-service distribution that is scheduled to be distributed
      on or after the 90th day after the Participant has been furnished a summary
      of
      Section 6.02 that satisfies the requirements of 29 C.F.R. Section
      2520.104(b)-3.” 

     

     

     

    *            *            *
      

     

     

     

    -
      5 - 

     

    
    

     

    

    IN
      WITNESS WHEREOF, on behalf of the
      Committee, the undersigned Committee member has executed this amendment this
      9th
      day of November 2004. 

     

     

     

    
      	
            	
            	
            
	SKY
              FINANCIAL
              GROUP, INC.
	BENEFIT
              PLANS
              COMMITTEE
	
            	
            
	
              By:

               

            	 	
              /s/
                Donald A.
                Hileman

               

              

            
	 	 	
              Donald
                A. Hileman

               

            
	
              Its:

               

            	 	
              Senior
                Vice President -
                Finance

               

              

            

    

     

     

    -
      6 - 

     

    

     

     

     

     

    FOURTH
      AMENDMENT

     

    OFTHE

     

    SKY
      FINANCIAL GROUP, INC.
      PROFIT SHARING, 401(K)
AND ESOP PLAN

     

    (As
      Amended and Restated Effective
      January 1, 2004) 

     

     

     

    WHEREAS,
      Sky Financial Group,
      Inc. (the “Company”) maintains the Sky Financial Group, Inc. Profit Sharing,
      401(k) and ESOP Plan (the “Plan”); and 

     

     

     

    WHEREAS,
      the Company has delegated
      authority to amend the Plan to the Sky Financial Group, Inc. Benefit Plans
      Committee (the “Committee”), and the Committee has determined that amendment of
      the Plan is necessary and desirable. 

     

     

     

    NOW,
      THEREFORE, pursuant
      to the power reserved to the Company by Section 10.01 of the Plan, and by virtue
      of the authority delegated to the Committee, the Plan, as previously amended,
      is
      hereby further amended, in the following particulars: 

     

     

     

    1.      By
      inserting the phrase
“anniversary awards, prizes,” after the phrase “moving expenses,” where it
      appears in Section 1.03(d) of the Plan, effective as of January 1, 2004.

     

     

     

    2.      By
      substituting the following for
      the first sentence of Section 5.04 of the Plan, effective March 27, 2005:

     

     

     

    “If
      a
      Participant terminates employment with the Employers, and the value of the
      Participant’s vested Accounts is not (or at the time of any prior, periodic
      distribution was not) greater than $1,000, the Participant will receive a
      distribution of the value of the entire vested portion of his or her Accounts
      and the nonvested portion will be treated as a forfeiture.” 

     

     

     

    3.      By
      substituting the following for
      the second sentence of Section 6.01 of the Plan, effective March 27, 2005:
      

     

     

     

    “If
      the
      nonforfeitable portion of the Participant’s Account exceeds (or at the time of
      any prior, periodic distribution ever exceeded) $1,000, the Plan shall

     

    
    

     

    

    not
      distribute
      the Participant’s Account before the Participant attains Normal Retirement Date,
      unless the Participant consents to such distribution in writing.” 

     

     

     

    4.      By
      substituting the following for
      the second paragraph of Section 6.01 of the Plan, effective March 27, 2005:
      

     

     

     

    “Subject
      to the
      rules in Section 6.03, the surviving spouse shall begin to receive payments
      immediately, unless such surviving spouse elects a later date, except that
      the
      surviving spouse shall receive an immediate distribution if the value of the
      Participant’s vested Accounts is not (or at the time of any prior, periodic
      distribution was not) greater than $1,000.” 

     

     

     

    *        *        *
      

     

     

     

    IN
      WITNESS
      WHEREOF, on behalf of the Committee, the undersigned
      Committee member has executed this amendment this 30th day of December 2004.
      

     

     

     

    
      	
            	
            	
            
	
              SKY
                FINANCIAL
                GROUP, INC.

               

            
	
              BENEFIT
                PLANS
                COMMITTEE

               

            
	
            	
            
	
              By:

               

            	 	
              /s/
                Thomas A. Sciorilli

               

            
	
              Its:

               

            	 	
              SVP
                & Chief Human Resources Officer

               

            

    

     

     

     

     

     

     

    -
      2 - 

     

    

     

     

     

     

    FIFTH
      AMENDMENT

     

    OFTHE

     

    SKY
      FINANCIAL GROUP, INC.
      PROFIT SHARING, 401(K)
AND ESOP PLAN

     

    (As
      Amended and Restated Effective
      January 1, 2004) 

     

     

     

    WHEREAS,
      Sky Financial
      Group, Inc. (the “Company”) maintains the Sky Financial Group, Inc. Profit
      Sharing, 401(k) and ESOP Plan (the “Plan”); and 

     

     

     

    WHEREAS,
      the Company has
      delegated authority to amend the Plan to the Sky Financial Group, Inc. Benefit
      Plans Committee (the “Committee”), and the Committee has determined that
      amendment of the Plan is necessary and desirable. 

     

     

     

    NOW,
      THEREFORE, pursuant to the power
      reserved to the Company by Section 10.01 of the Plan, and by virtue of the
      authority delegated to the Committee, the Plan, as previously amended, is hereby
      further amended, in the following particulars, effective March 27, 2005:

     

     

     

    1.      By
      rescinding particulars 2 through
      4 of the Fourth Amendment of the Plan, which shall be void and of no effect.
      

     

     

     

    2.      
By
      substituting the figure
“$1,000” for “$5,000” where the latter appears in the first paragraph of Section
      5.05 of the Plan. 

     

     

     

    3.      By
      deleting the last sentence of
      the first paragraph of Section 5.05 of the Plan. 

     

     

     

    4.      By
      substituting the figure “$1,000”
for “$5,000” where the latter appears in the first paragraph of Section 6.01 of
      the Plan. 

     

     

     

    5.      By
      deleting the last sentence of
      the first paragraph of Section 6.01 of the Plan. 

     

     

     

    6.      By
      substituting the figure “$1,000”
for “$5,000” where the latter appears in the second paragraph of Section 6.04(c)
      of the Plan. 

     

     

     

    *        *        *
      

     

     

     

    [signature
      page to follow]

     

    
    

     

    

    IN
      WITNESS
      WHEREOF, on behalf of the Committee,
      the undersigned Committee member has executed this amendment this 8th day of
      March 2005. 

     

     

     

    
      	
            	
            	
            
	
              SKY
                FINANCIAL
                GROUP, INC.

               

            
	
              BENEFIT
                PLANS
                COMMITTEE

               

            
	
            	
            
	
              By:

               

            	 	
              /s/
                Thomas A.
                Sciorilli

               

              

            
	
              Its:

               

            	 	
              Chief
                Human Resources Officer

               

            

    

     

     

     

     

    -
      2 - 

     

    

     

     

     

     

    SIXTH
      AMENDMENT

     

    OFTHE

     

    SKY
      FINANCIAL GROUP, INC.
      PROFIT SHARING, 401(K)
AND ESOP PLAN

     

    (As
      Amended and Restated Effective
      January 1, 2004) 

     

     

     

    WHEREAS,
      Sky Financial
      Group, Inc. (the “Company”) maintains the Sky Financial Group, Inc. Profit
      Sharing, 401(k) and ESOP Plan (the “Plan”); and 

     

     

     

    WHEREAS,
      the Company has
      delegated authority to amend the Plan to the Sky Financial Group, Inc. Benefit
      Plans Committee (the “Committee”), and the Committee has determined that
      amendment of the Plan is necessary and desirable. 

     

     

     

    NOW,
      THEREFORE, pursuant to the power
      reserved to the Company by Section 10.01 of the Plan, and by virtue of the
      authority delegated to the Committee, the Plan, as previously amended, is hereby
      further amended, effective as of January 1, 2005, by substituting the following
      for Section 1.36(g) of the Plan, in its entirety: 

     

     

     

    “(g)
      Effective
      for Plan Years beginning on and after January 1, 2005, all hours, years and/or
      other periods of service that an Employee had with an Acquired Employer shall
      be
      credited toward Years of Service under the terms and conditions of this Section
      solely for purposes of determining the Employee’s nonforfeitable interest in his
      or her Accounts under Section 5.03.” 

     

     

     

    *        *        *
      

     

     

     

    IN
      WITNESS
      WHEREOF, on behalf of the Committee,
      the undersigned Committee member has executed this amendment this 13th day
      of
      October 2005. 

     

     

     

    
      	
            	
            	
            
	
              SKY
                FINANCIAL
                GROUP, INC.

               

            
	
              BENEFIT
                PLANS
                COMMITTEE

               

            
	
            	
            
	
              By:

               

            	 	
              /s/
                Thomas A.
                Sciorilli

               

              

            
	
              Its:

               

            	 	
              Chief
                Human Resources Officer

               

            

    

     

     

     

     

     

     

    

     

     

     

     

    SEVENTH
      AMENDMENT

     

    OFTHE

     

    SKY
      FINANCIAL GROUP, INC.
      PROFIT SHARING, 401(K) AND ESOP
      PLAN

     

    (As
      Amended and Restated Effective
      January 1, 2004) 

     

     

     

    WHEREAS,
      Sky Financial
      Group, Inc. (the “Company”) maintains the Sky Financial Group, Inc. Profit
      Sharing, 401(k) and ESOP Plan (the “Plan”); and 

     

     

     

    WHEREAS,
      the Company has
      delegated authority to amend the Plan to the Sky Financial Group, Inc. Benefit
      Plans Committee (the “Committee”), and the Committee has determined that
      amendment of the Plan is necessary and desirable. 

     

     

     

    NOW,
      THEREFORE, pursuant
      to the power reserved to the Company by Section 10.01 of the Plan, and by virtue
      of the authority delegated to the Committee, the Plan, as previously amended,
      is
      hereby further amended, effective as of January 1, 2005, by adding the following
      to the end of the second paragraph of Section 13.14 of the Plan: 

     

     

     

    “Notwithstanding
      the foregoing or the provisions of Section 2.01, no Employee of Meyer &
Eckenrode Investments, Inc. will be eligible to receive Profit Sharing
      Contributions provided for under Section 3.04 of the Plan, unless such Employee
      is scheduled to become an Employee of Sky Trust, N.A. on or around January
      1,
      2006.” 

     

     

     

    *        *        *
      

     

     

     

    IN
      WITNESS
      WHEREOF, on behalf of the Committee, the undersigned
      Committee member has executed this amendment this 30th day of December 2005.
      

     

     

     

    
      	
            	
            	
            
	
              SKY
                FINANCIAL
                GROUP, INC.

               

            
	
              BENEFIT
                PLANS
                COMMITTEE

               

            
	
            	
            
	
              By:

               

            	 	
              /s/
                Thomas
                A. Sciorilli

               

              

            
	
              Its:

               

            	 	
              Chief
                Human Resources
                Officer

               

            

    

    

     

     

    EIGHTH
      AMENDMENT

     

    OFTHE

     

    SKY
      FINANCIAL GROUP, INC.
      PROFIT SHARING, 401(K)
AND ESOP PLAN

     

    (As
      Amended and Restated Effective
      January 1, 2004) 

     

    WHEREAS,
Sky
      Financial Group, Inc. (the
“Company”) maintains the Sky Financial Group, Inc. Profit Sharing, 401(k) and
      ESOP Plan (the “Plan”); and 

     

    WHEREAS,
the
      Company has delegated
      authority to amend the Plan to the Sky Financial Group, Inc. Benefit Plans
      Committee (the “Committee”), and the Committee has determined that amendment of
      the Plan is necessary and desirable. 

     

    Now,
      THEREFORE, pursuant to the power reserved to the Company
      by Section 10.01 of the Plan, and by virtue of the authority delegated to
      the Committee, the Plan, as previously amended, is hereby further amended,
      effective as of January 1, 2006, except where otherwise noted, in the
      following particulars: 

     

    1.
      By adding the
      following at the end of Section 1.23 of the Plan: 

     

    “Effective
      January 1, 2006, the term ‘BDA Participant’ means either a
      (i) Participant for whom an amount was transferred from the Benefit Design
      Agency of Ohio 401(k) Retirement Savings Plan, or (ii) a former participant
      in the Benefit Design Agency of Ohio 401(k) Retirement Savings Plan who is
      entitled to a restoration of his or her Accounts upon reemployment. Effective
      January 1, 2006, the term ‘Belmont Participant’ means either a
      (i) Participant for whom an amount was transferred from the Belmont
      National Bank 401(k) Profit Sharing Plan, or (ii) a former participant in
      the Belmont National Bank 401(k) Profit Sharing Plan who is entitled to a
      restoration of his or her Accounts upon reemployment.” 

     

    2.
      By
      substituting the following for the second paragraph of Section 6.05 of the
      Plan, in its entirety: 

     

    “A
      Participant
      may defer the commencement of distributions under the Plan to a date later
      than
      set forth above.” 

     

    
    

     

    

    3.
      By adding the
      following at the end of Section 10.03 of the Plan: 

     

    “Any
      benefits
      provided under a transferring or merging plan that are protected benefits under
      Code Section 411(d)(6) and regulations thereunder shall be available to
      Participants (and their Beneficiaries) under the Plan.” 

     

    4.
      By adding the
      following new Section 13.17 of the Plan: 

     

    “13.17
      Merger of Belmont National Bank 401(k) Profit Sharing Plan Accounts Effective
      January 1, 2006. Prior to January 1, 2006, the Company (as a
      result of its acquisition of Belmont National Bank (‘Belmont’),
      effective
      June 1, 2005) maintained the Belmont National Bank 401(k) Profit
      Sharing Plan (the ‘Belmont Plan’).
      Effective January 1, 2006, the Belmont Plan is
      merged into, and amended and restated in the form of, this Plan. 

     

    An
      Employee who
      was an employee of Belmont immediately prior to acquisition by the Company
      and/or a participant in the Belmont Plan is eligible to participate in the
      Plan
      beginning January 1, 2006, if the Employee meets the requirements of
      Section 2.01. 

     

    Amounts
      transferred from the Belmont Plan pursuant to this Section from a Participant’s
      account that were attributable to ‘salary reduction contributions’ under the
      Belmont Plan shall be held and invested in the Participant’s 401(k)
      Contributions Account under this Plan, according to the Participant’s investment
      elections. Amounts transferred from the Belmont Plan that were attributable
      to
‘matching contributions’ under the Belmont Plan shall be held and invested in
      the Participant’s Matching Contributions Account under this Plan. Amounts
      transferred from the Belmont Plan that were attributable to ‘discretionary
      profit sharing contributions’ under the Belmont Plan shall be held and invested
      in the Participant’s Profit Sharing Contributions Account under this Plan.
      Amounts transferred from the Belmont Plan that were attributable to ‘prior plan
      contributions’ under the Belmont Plan shall be held and invested in the
      Participant’s Profit Sharing Contributions Account under this Plan. Amounts
      transferred from the Belmont Plan that were attributable to ‘rollover’
contributions under the Belmont Plan shall be held and invested in the
      Participant’s Rollover Contributions Account under this Plan. Amounts
      transferred from the Belmont Plan that were attributable to ‘Voluntary
      Contributions’ under the Belmont Plan shall be held and invested in the
      Participant’s After-Tax Contributions Account, which will be a subaccount of the
      Participant’s Prior Plan Account under this Plan. 

     

    A
      Participant
      for whom amounts are transferred under this Section 13.17 will always have
      a nonforfeitable interest in the amounts transferred from the Belmont Plan.
      

     

     

     

    -
      2 - 

     

    
    

     

    

    ‘Years
      of
      Service’ credited under the Belmont Plan will count as Years of Service under
      this Plan solely for purposes of determining the Employee’s nonforfeitable
      interest in his or her account under Section 5.03 of the Plan.”

     

    5.
      By adding the
      following new Section 13.18 of the Plan: 

     

    “13.18
      Merger of Benefit Design Agency of Ohio, Inc. Plan Accounts Effective
      January 1, 2006. Prior to January 1, 2006, the Company (as a
      result of its acquisition of Benefit Design Agency of Ohio, Inc. (‘BDA’),
      effective August 1, 2005) maintained the Benefit Design Agency of Ohio
      401(k) Retirement Savings Plan (the ‘BDA Plan’). Effective January 1, 2006,
      the BDA Plan is merged into, and amended and restated in the form of, this
      Plan.

     

    An
      Employee who
      was an employee of BDA immediately prior to acquisition by the Company and/or
      a
      participant in the BDA Plan is eligible to participate in the Plan beginning
      January 1, 2006, if the Employee meets the requirements of
      Section 2.01. Notwithstanding the foregoing or the provisions of
      Section 2.01, no Employee who was an employee of BDA immediately prior to
      acquisition by the Company will be eligible to receive Profit Sharing
      Contributions provided for under Section 3.04 of the Plan. 

     

    Amounts
      transferred from the BDA Plan pursuant to this Section from a Participant’s
      account that were attributable to ‘Section 401(k) Deferrals’ under the BDA Plan
      shall be held and invested in the Participant’s 401(k) Contributions Account
      under this Plan, according to the Participant’s investment elections. Amounts
      transferred from the BDA Plan that were attributable to Employer ‘Matching
      Contributions’ under the BDA Plan shall be held and invested in the
      Participant’s Matching Contributions Account under this Plan. Amounts
      transferred from the BDA Plan that were attributable to ‘Employer Nonelective
      Contributions’ or ‘employer fail-safe contributions’ under the BDA Plan shall be
      held and invested in the Participant’s Profit Sharing Contributions Account
      under this Plan. Amounts transferred from the BDA Plan that were attributable
      to
‘Rollover Contributions’ under the BDA Plan shall be held and invested in the
      Participant’s Rollover Contributions Account under this Plan. 

     

    A
      Participant
      for whom amounts are transferred under this Section 13.18 will always have
      a nonforfeitable interest in the amounts transferred from the BDA Plan.

     

    ‘Years
      of
      Service’ credited under the BDA Plan will count as Years of Service under this
      Plan solely for purposes of (i) determining the Employee’s nonforfeitable
      interest in his or her Accounts under Section 5.03 of the Plan and
      (ii) determining the Employee’s ‘Years of Service’ under
      Section 14.05(c) of the Plan. 

     

     

     

    -
      3 - 

     

    
    

     

    

    Notwithstanding
      the provisions of Section 6.02 of the Plan, the provisions of
      Section 6.03(a) through 6.03(c) shall apply exclusively to all
      distributions to BDA Participants scheduled to commence prior to March 15,
      2006; provided, however, that the distribution option under
      Section 6.03(b)(ii) shall not be available to BDA Participants. On and
      after March 15, 2006, the provisions of Section 6.02 shall apply
      exclusively to all distributions to BDA Participants.” 

     

    6.
      By adding the
      following new Section 13.19 to the Plan: 

     

    “13.19
      Merger of Becker-McDowell Agency, Inc. 401(k) Plan Accounts Effective
      January 1, 2006. Prior to January 1, 2006, the Company (as a
      result of its acquisition of Becker-McDowell Agency, Inc. (‘Becker’), effective
      October 5, 2005) maintained the of Becker-McDowell Agency, Inc. 401(k) Plan
      (the ‘Becker Plan’). Effective January 1, 2006, the Becker Plan is merged
      into, and amended and restated in the form of, this Plan. 

     

    An
      Employee who
      was an employee of Becker immediately prior to acquisition by the Company and/or
      a participant in the Becker Plan is eligible to participate in the Plan
      beginning January 1, 2006, if the Employee meets the requirements of
      Section 2.01. Notwithstanding the foregoing or the provisions of
      Section 2.01, no Employee who was an employee of Becker immediately prior
      to acquisition by the Company will be eligible to receive Profit Sharing
      Contributions provided for under Section 3.04 of the Plan. 

     

    Amounts
      transferred from the Becker Plan pursuant to this Section from a Participant’s
      account that were attributable to ‘elective salary deferrals’ under the Becker
      Plan shall be held and invested in the Participant’s 401(k) Contributions
      Account under this Plan, according to the Participant’s investment elections.
      Amounts transferred from the Becker Plan that were attributable to ‘Nonelective
      Safe Harbor Contributions’ under the Becker Plan shall be held and invested in
      the Participant’s Profit Sharing Contributions Account under this Plan. Amounts
      transferred from the Becker Plan that were attributable to ‘Employer
      discretionary profit sharing contributions’ under the Becker Plan shall be held
      and invested in the Participant’s Profit Sharing Contributions Account under
      this Plan. Amounts transferred from the Becker Plan that were attributable
      to
‘Rollover’ contributions under the Becker Plan shall be held and invested in the
      Participant’s Rollover Contributions Account under this Plan. 

     

    A
      Participant
      for whom amounts are transferred under this Section 13.19 will always have
      a nonforfeitable interest in the amounts transferred from the Becker Plan.
      

     

    ‘Years
      of
      Service’ credited under the Becker Plan will count as Years of Service under
      this Plan solely for purposes of determining the Employee’s nonforfeitable
      interest in his or her account under Section 5.03 of the Plan.”

     

     

     

    -
      4 - 

     

    
    

     

    

    7.
      By adding the
      following new Section 13.20 to the Plan: 

     

    “13.20
      Merger of Steiner Insurance Agency, Inc. 401(k) Employee Savings Plan Accounts
      Effective January 1, 2006. Prior to January 1, 2006, the
      Company (as a result of its acquisition of Steiner Insurance Agency, Inc.
      (‘Steiner’), effective October 5, 2005) maintained the Steiner Insurance
      Agency, Inc. 401(k) Employee Savings Plan (the ‘Steiner Plan’). Effective
      January 1, 2006, the Steiner Plan is merged into, and amended and restated
      in the form of, this Plan. 

     

    An
      Employee who
      was an employee of Steiner immediately prior to acquisition by the Company
      and/or a participant in the Steiner Plan is eligible to participate in the
      Plan
      beginning January 1, 2006, if the Employee meets the requirements of
      Section 2.01. Notwithstanding the foregoing or the provisions of
      Section 2.01, no Employee who was an employee of Steiner immediately prior
      to acquisition by the Company will be eligible to receive Profit Sharing
      Contributions provided for under Section 3.04 of the Plan. 

     

    Amounts
      transferred from the Steiner Plan pursuant to this Section from a Participant’s
      account that were attributable to ‘Elective Deferrals’ under the Steiner Plan
      shall be held and invested in the Participant’s 401(k) Contributions Account
      under this Plan, according to the Participant’s investment elections. Amounts
      transferred from the Steiner Plan that were attributable to ‘Nonelective Safe
      Harbor Contributions’ under the Steiner Plan shall be held and invested in the
      Participant’s Profit Sharing Contributions Account under this Plan. Amounts
      transferred from the Steiner Plan that were attributable to ‘Employer
      discretionary profit sharing contributions’ under the Steiner Plan shall be held
      and invested in the Participant’s Profit Sharing Contributions Account under
      this Plan. Amounts transferred from the Steiner Plan that were attributable
      to
‘Rollover’ contributions under the Steiner Plan shall be held and invested in
      the Participant’s Rollover Contributions Account under this Plan. 

     

    A
      Participant
      for whom amounts are transferred under this Section 13.20 will always have
      a nonforfeitable interest in the amounts transferred from the Steiner Plan.
      

     

    ‘Years
      of
      Service’ credited under the Steiner Plan will count as Years of Service under
      this Plan solely for purposes of determining the Employee’s nonforfeitable
      interest in his or her account under Section 5.03 of the Plan.”

     

    8.
      By adding the
      following new Section 13.21 to the Plan: 

     

    “13.21
      Merger of Falls Bank Plan Accounts Effective January 1, 2006.
Prior to January 1, 2006, the Company (as a result its acquisition
      of Falls 

     

     

     

    -
      5 - 

     

    
    

     

    

    Bank
      effective
      November 29, 2005) maintained the Falls Bank 401(k) Profit Sharing Plan
      (the ‘Falls Bank Plan’). Effective January 1, 2006, the Falls Bank Plan is
      merged into, and amended and restated in the form of, this Plan. 

     

    An
      Employee who
      was an employee of Falls Bank immediately prior to acquisition by the Company
      and/or a participant in the Falls Bank Plan is eligible to participate in the
      Plan beginning January 1, 2006, if the Employee meets the requirements of
      Section 2.01. 

     

    Amounts
      transferred from the Falls Bank Plan pursuant to this Section from a
      Participant’s account that were attributable to ‘Elective Deferrals’ under the
      Falls Bank Plan shall be held and invested in the Participant’s 401(k)
      Contributions Account under this Plan, according to the Participant’s investment
      elections. 

     

    A
      Participant
      for whom amounts are transferred under this Section 13.21 will always have
      a nonforfeitable interest in the amounts transferred from the Falls Bank Plan.
      

     

    ‘Years
      of
      Service’ credited under the Falls Bank Plan will count as Years of Service
      solely for purposes of determining the Employee’s nonforfeitable interest in his
      or her Accounts under Section 5.03 of the Plan.” 

     

    9.
      By adding the
      following new Section 13.22 to the Plan: 

     

    “13.22
      Participation of Peter B. Burke Agency, Inc. Participants. Effective
      January 3, 2006, the Company acquired Peter B. Burke Agency, Inc. An
      Employee who was an employee of Peter B. Burke Agency, Inc. immediately prior
      to
      acquisition by the Company is eligible to participate in the Plan (i) for
      purposes of ESOP Contributions under Section 3.05 of the Plan, effective
      January 3, 2006, and (ii) for all other purposes of the Plan except
      Profit Sharing Contributions under Section 3.04 of the Plan, effective
      April 1, 2006, if the Employee meets the requirements of Section 2.01.
      Notwithstanding the foregoing or the provisions of Section 2.01, no
      Employee who was an employee of Peter B. Burke Agency, Inc. immediately prior
      to
      acquisition by the Company will be eligible to receive Profit Sharing
      Contributions provided for under Section 3.04 of the Plan. 

     

    Notwithstanding
      Section 1.36(g) of the Plan, a Participant who was an employee of Peter B.
      Burke Agency, Inc. immediately prior to acquisition by the Company will receive
      credit towards ‘Years of Service’ under the Plan for all hours, years and/or
      other periods of service that such Participant had with Peter B. Burke Agency,
      Inc. solely for purposes of determining the Employee’s (i) eligibility to
      participate in the Plan under Section 2.01 and (ii) nonforfeitable
      interest in his or her Accounts under Section 5.03 of the Plan.”

     

     

     

    -
      6 - 

     

    
    

     

    

    10.
      By adding
      the following new paragraph (k) of Section 14.01 of the Plan:

     

    “(k)
      For each
      BDA Participant, if the value of the Participant’s vested Accounts subject to
      security for a loan is in excess of $5,000, then in the 90-day period ending
      on
      the date on which the loan is secured, the Participant’s spouse, if any, must
      consent to the loan. If the spouse does not give consent, then such Participant
      shall not be eligible for a loan. Notwithstanding the foregoing, the spouse’s
      consent is not required for any loan that is scheduled to be disbursed to a
      BDA
      Participant on or after March 15, 2006.” 

     

    11.
      By adding
      the following new paragraph (d) of Section 14.02 of the Plan:

     

    “(c)
      For each
      BDA Participant, hardship distributions are subject to the spousal consent
      requirements contained in Code Sections 401(a)(11) and 417. Notwithstanding
      the
      foregoing, spousal consent is not required for any hardship distribution that
      is
      scheduled to be distributed to a BDA Participant on or after March 15,
      2006.” 

     

    12.
      By
      substituting the following for Section 14.05 of the Plan, in its entirety:

     

    “14.05
      In-Service Withdrawals. 

     

    (a)
      In-Service Withdrawals At Age 59- 1/2.
      Any active
      Participant who has attained age 59- 1/2
      may make written application to the Plan Administrator (on
      a form and in a manner to be prescribed by the Plan Administrator) to withdraw
      from the Trust Fund an amount not in excess of the value of his or her vested
      Accounts. An active Participant who has attained age 59- 1/2
      may make such a
      request without terminating employment. Notwithstanding the foregoing,
      in-service withdrawals shall not be permitted from a Participant’s ESOP Account
      and/or Dividend Reinvestment Account. 

     

    (b)
      In-Service Distributions Relating to M&E Participants.
In-service distributions to M&E Participants are subject to the
      spousal consent requirements contained in Code Sections 401(a)(11) and 417.
      Notwithstanding the foregoing, spousal consent is not required for any
      in-service distribution to an M&E Participant that is scheduled to be
      distributed on or after the 90th day after the Participant has been furnished
      a
      summary of Section 6.02 that satisfies the requirements of 29 C.F.R.
      Section 2520.104(b)-3. 

     

    (c)
      In-Service Distributions Relating to BDA Participants. In
      addition to the in-service withdrawal provision of Section 14.05(a), an
      active BDA Participant who has attained age 55 and completed at least seven
      Years of Service may make written application to the Plan Administrator (on
      a
      form and in a manner to be prescribed by the Plan Administrator) to receive
      an
      in-service withdrawal from the Trust Fund of all or any portion of any amounts
      transferred from the BDA Plan that were attributable ‘Employer Matching
      Contributions’ or 

     

     

     

    -
      7 - 

     

    
    

     

    

    ‘Employer
      Nonelective Contributions’ under the BDA Plan. A BDA Participant may also make
      written application to the Plan Administrator (on a form and in a manner to
      be
      prescribed by the Plan Administrator) to receive an in-service distribution
      of
      all or any portion of any amounts transferred from the BDA Plan if the BDA
      Participant incurs a Disability. A BDA Participant may also make written
      application to the Plan Administrator at any time (on a form and in a manner
      to
      be prescribed by the Plan Administrator) to receive an in-service distribution
      of all or any portion of any amounts transferred from the BDA Plan that were
      attributable to ‘Rollover Contributions’ under the BDA Plan. 

     

    In-service
      distributions to BDA Participants are subject to the spousal consent
      requirements contained in Code Sections 401(a)(11) and 417. Notwithstanding
      the
      foregoing, spousal consent is not required for any in-service distribution
      to a
      BDA Participant that is scheduled to be distributed on or after March 15,
      2006. 

     

    (d)
      In-Service Distributions Relating to Belmont Participants. In
      addition to the in-service withdrawal provision of Section 14.05(a), an
      active Belmont Participant may make written application to the Plan
      Administrator at any time (on a form and in a manner to be prescribed by the
      Plan Administrator) to receive an in-service withdrawal from the Trust Fund
      of
      all or any portion of any amounts transferred from the Belmont Plan that were
      attributable to ‘rollover contributions’ or ‘Voluntary Contributions’ (and the
      earnings thereon) under the Belmont Plan.” 

     

    *        *        *
      

     

    IN
      WITNESS WHEREOF,
on behalf of the Committee, the undersigned
      Committee member has
      executed this amendment this 14th day
      of March
      2006. 

     

     

     

    
      	
            	
            	
            
	
              SKY
                FINANCIAL
                GROUP, INC.

               

            
	
              BENEFIT
                PLANS
                COMMITTEE

               

            
	
            	
            
	
              By:

               

            	 	
              /s/
                Thomas A. Sciorilli

               

            
	
              Its:

               

            	 	
              Chief
                Human Resources Officer

               

            

    

     

     

    -
      8 - 

     

    

     

     

    NINTH
      AMENDMENT

     

    OFTHE

     

    SKY
      FINANCIAL GROUP, INC.
      PROFIT SHARING, 401(K) AND ESOP
      PLAN

     

    (As
      Amended and Restated Effective
      January 1, 2004) 

     

    WHEREAS,
      Sky Financial Group, Inc. (the “Company”) maintains the Sky Financial
      Group, Inc. Profit Sharing, 401 (k) and ESOP Plan (the “Plan”); and

     

    WHEREAS,
      the Company has delegated authority to amend the Plan to the Sky
      Financial Group, Inc. Benefit Plans Committee (the “Committee”), and the
      Committee has determined that amendment of the Plan is necessary and desirable.
      

     

    Now,
      THEREFORE, pursuant to the power reserved to the Company
      by Section 10.01 of the Plan, and by virtue of the authority delegated to
      the Committee, the Plan, as previously amended, is hereby further amended in
      the
      following particulars: 

     

    1.
      By deleting Section 3.02(g)
      of the Plan in its entirety, effective January 1, 2006. 

     

    2.
      By inserting the following after
      the first sentence of Section 3.03 of the Plan, effective January 1,
      2003: 

     

    “For
      purposes of this
      Section 3.03, ‘401(k) Contributions’ shall include the amount of Catch-Up
      Contributions, if any, made by a Catch-Up Eligible Participant, as determined
      in
      accordance with Section 3.06.” 

     

    3.
      By deleting the following
      sentence of the first paragraph of Section 3.03 of the Plan, effective
      January 1, 2006: 

     

    “For
      each Plan Year in which the
      Employer makes Safe Harbor Matching Contributions pursuant to this
      Section 3.03 that satisfy the requirements of Code Sections 401(m)(ll),
      Sections 8.01 through 8.04 hereof will not apply.” 

     

    4.
      By inserting the phrase “and
      before January 1, 2003” after the phrase “beginning after December 31,
      2001” in the first sentence of Section 3.07 of the Plan, effective
      January 1, 2003. 

     

    
    

     

    

    5.
      By replacing Section 8.05 of
      the Plan in its entirety with the following, effective January 1, 2006:

     

    “Effective
      January 1, 2006,
      Sections 8.01 through 8.04 hereof shall not apply.” 

     

    6.
      By adding the following new
      Section 13.23 to the Plan, effective January 1, 2007: 

     

    “13.23
      Participation of
      Lindig Benefit Consultants Employees. Effective September 30,
      2006, the Company acquired Lindig Benefit Consultants. An Employee who was
      an
      employee of Lindig Benefit Consultants immediately prior to acquisition by
      the
      Company is eligible to participate in the Plan, effective January 1, 2007,
      if the Employee meets the requirements of Section 2.01. Notwithstanding the
      foregoing or the provisions of Section 2.01, no Employee who was an
      employee of Lindig Benefit Consultants immediately prior to acquisition by
      the
      Company will be eligible to receive Profit Sharing Contributions provided for
      under Section 3.04 of the Plan. 

     

    ‘Years
      of Service’ credited under
      the Lindig Benefit Consultants will count as Years of Service solely for
      purposes of determining the Employee’s nonforfeitable interest in his or her
      Accounts under Section 5.03 of the Plan.” 

     

    *        *        *
      

     

    IN
      WITNESS WHEREOF, on behalf of the
      Committee, the undersigned Committee member has executed this amendment this
      28 day of December 2006. 

     

     

     

    
      	
            	
            	
            
	
              SKY
                FINANCIAL GROUP,
                INC.

               

              BENEFIT
                PLANS COMMITTEE

               

            
	
            	
            
	By:	 	/s/
              Kevin T.
              Thompson
	Its:	 	
              Executive
                Vice President/Chief
                Financial Officer

               

            

    

     

     

    -
      2 - 

     

    

    
    

     

    TENTH
AMENDMENT
OF
      THE
SKY
      FINANCIAL GROUP, INC. PROFIT SHARING, 401(K) AND ESOP
      PLAN
(As Amended
      and Restated Effective January 1, 2004)

     

         WHEREAS,
      Sky Financial Group, Inc. (the “Company”)
      maintains the Sky Financial Group, Inc. Profit Sharing, 401(k) and ESOP Plan
      (the “Plan”); and WHEREAS,
      the
      Company has delegated authority to amend the Plan to the Sky Financial Group,
      Inc. Benefit Plans Committee (the “Committee”), and the Committee has determined
      that amendment of the Plan is necessary and desirable.

     

         NOW,
      THEREFORE, pursuant to the power reserved
      to the Company by
      Section 10.01 of the Plan, and by virtue of the authority delegated to the
      Committee, the Plan, as previously amended, is hereby further amended in the
      following particulars:

     

         1. By adding the
      following at the end of Section 1.23 of the
      Plan:

     

              “Effective February
      1, 2007, the term
‘Perpetual Bank Participant’ means either a (i) Participant for whom an account
      was transferred from the Pentegra Defined Contribution Plan for Financial
      Institutions, or (ii) a former participant in the Pentegra Defined Contribution
      Plan for Financial Institutions who is entitled to a restoration of his or
      her
      Accounts upon reemployment.”

     

         2. By adding the
      following new Section 13.24 of the Plan:

     

             13.24
      Merger of
      Waterfield Group Savings and Investment Plan and Trust Accounts Effective
      January 1, 2007. Prior
      to January 1, 2007, the Company (as a result of its acquisition of Waterfield
      Mortgage Company, Inc. (“Waterfield”), effective October 17, 2006) maintained
      the Waterfield Group Savings and Investment Plan and Trust (the “Waterfield
      Plan”). Effective January 1, 2007, the Waterfield Plan is merged into, and
      amended and restated in the form of, this Plan.

     

         An employee who
      was an employee of Waterfield immediately prior to
      acquisition by the Company and/or a participant in the Waterfield Plan is
      eligible 

     

    

    
    

     

    to participate
      in the
      Plan beginning January 1, 2007, if the Employee meets the requirements of
      Section 2.01.

     

         Amounts that were
      attributable to ‘Deferred Compensation’ or ‘catch-up
      contributions’ under the Waterfield Plan shall be held and invested in the
      Participant’s 401(k) Contributions Account under this Plan, according to the
      Participant’s investment elections. Amounts that were attributable to ‘Initial
      Matching Contributions’ or ‘Year-End Discretionary Contributions’ under the
      Waterfield Plan shall be held and invested in the Participant’s Matching
      Contributions Account under this Plan. Amounts that were attributable to ‘Profit
      Sharing Contributions’ under the Waterfield Plan shall be held and invested in
      the Participant’s Profit Sharing Contributions Account under this Plan. Amounts
      that were attributable to ‘Transfer/Rollover Contributions’ under the Waterfield
      Plan shall be held and invested in the Participant’s Rollover Contributions
      Account under this Plan.

     

         A Participant for
      whom amounts are transferred under this Section 13.24
      will always have a nonforfeitable interest in the amounts transferred from
      the
      Waterfield Plan.

     

         ‘Years of Service’ credited under
      the Waterfield Plan will count as Years
      of Service under this Plan solely for purposes of determining the Employee’s
      nonforfeitable interest in his or her Accounts under Section 5.03 of the
      Plan.”

     

         3. By adding the
      following new Section 13.25 of the Plan:

     

         “13.25
      Transfer of Perpetual Savings Bank
      Accounts in the Pentegra Defined Contribution Plan for Financial Institutions
      Effective February 1, 2007. Prior to January 1, 2007, Perpetual Savings
      Bank (‘Perpetual Bank’) (acquired by the Company effective November 15, 2006),
      participated as an adopting employer in the Pentegra Defined Contribution Plan
      for Financial Institutions (the ‘Perpetual Bank Plan’). Effective February 1,
      2007, certain amounts held on behalf of Perpetual Bank Participants will be
      transferred from the Perpetual Bank Plan to this Plan.

     

         An Employee who
      was an employee of Perpetual Bank immediately prior to
      acquisition by the Company and/or a participant in the Perpetual Bank Plan
      is
      eligible to participate in the Plan beginning January 1, 2007, if the Employee
      meets the requirements of Section 2.01.

     

         Amounts transferred
      from the Perpetual Bank Plan pursuant to this Section
      from a Perpetual Bank Participant’s account that were attributable to ‘Pre-Tax
      401(k) Contributions’ under the Perpetual Bank Plan shall be held and invested
      in the Participant’s 401(k) Contributions Account under this Plan. Amounts
      transferred from the Perpetual Bank Plan that were attributable to ‘Employer

     

    2

     

    

    
    

     

    Matching Contributions’
or ‘Employer Supplemental
      Contributions’ under the Perpetual Bank Plan shall be
      held and invested in the Participant’s Matching Contributions Account under this
      Plan. Amounts transferred from the Perpetual Bank Plan that were attributable
      to
‘Employer Match 401(k) Contributions’ under the Perpetual Bank Plan shall be
      held and invested in the Participant’s ‘PSB Employer Account’ (new account)
      under this Plan.

     

         A Participant for
      whom amounts are transferred under this Section 13.25
      will always have a nonforfeitable interest in the amounts transferred from
      the
      Perpetual Bank Plan.

     

         ‘Years of Service’ credited under
      the Perpetual Bank Plan will count as
      Years of Service under this Plan solely for purposes of determining the
      Employee’s nonforfeitable interest in his or her Accounts under Section 5.03 of
      the Plan.”

     

         4. By adding the
      following new paragraph (e) of Section 14.05 of the
      Plan:

     

              “(e) In-Service
      Distributions Relating to Perpetual
      Bank Participants. In
      addition to the in-service withdrawal provision of Section 14.05(a), an active
      Perpetual Bank Participant may make written application to the Plan
      Administrator at any time (on a form and in a manner to be prescribed by the
      Plan Administrator) to receive an in-service withdrawal from the Trust Fund
      of
      all or any portion of any amounts transferred from the Perpetual Bank Plan
      that
      were attributable to ‘Employer Matching Contributions’ or ‘Employer Supplemental
      Contributions’ under the Perpetual Bank Plan if: (i) the Perpetual Bank
      Participant has completed 60 months of participation in the Plan; (ii) the
      withdrawal occurs at least 24 months after such contributions were made to
      the
      Perpetual Bank Plan; or (iii) the Perpetual Bank Participant incurs a
      Disability. For purposes of determining whether a Perpetual Bank Participant
      has
      completed 60 months of participation in the Plan under this Section 14.03(e),
      the period of participation credited under the Perpetual Bank Plan will count
      as
      participation under this Plan.”

     

    *    *
   *

     

         IN
WITNESS
WHEREOF,
on
      behalf of the Committee, the undersigned 

     

    Committee member
      has
      executed this Amendment this 15th
      day of March
      2007.

     

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

            
	 	Chief
              Human Resources Officer 

    

    

     

    3

     

    

    
    

     

    ELEVENTH
      AMENDMENT
OF
      THE
SKY FINANCIAL GROUP, INC. PROFIT SHARING, 401(K) AND ESOP
      PLAN
(As Amended and Restated Effective January 1,
      2004)

     

              
      WHEREAS, Sky Financial Group, Inc. (the “Company”) maintains the Sky
      Financial Group, Inc. Profit Sharing, 401(k) and ESOP Plan (the “Plan”);
      and

     

              
      WHEREAS, the Company has delegated authority to amend the Plan to the
      Sky Financial Group, Inc. Benefit Plans Committee (the “Committee”), and the
      Committee has determined that amendment of the Plan is necessary and
      desirable.

     

              
NOW,
      THEREFORE, pursuant to the power reserved to the Company by Section
      10.01 of the Plan, and by virtue of the authority delegated to the Committee,
      the Plan, as previously amended, is hereby further amended in the following
      particulars, effective as of the dates set forth below:

     

              
1.
            By adding the following new sentence to the
      end of Section 6.07 of the Plan, effective January 1, 2007:

     

    
      
             “Effective
          with respect to
          distributions commencing on or after January 1, 2007, with respect to
          deceased Participants, if a direct trustee to trustee transfer is made
          to an
          individual retirement plan established for the purpose of receiving the
          distribution on behalf of an individual who is a nonspouse beneficiary,
          the
          distribution shall be treated as an eligible rollover distribution for
          purposes of Code Section 402(c)(11).”

         

      

    

              
2.
      By adding
      the following new Section 9.03(f)
      of the Plan, effective January 1, 2007;

     

    
      
             “(f)
          Notwithstanding the provisions of
          Section 9.03(b) through (e) of the Plan:

         

        
                  (i)
                 effective March 31, 2007 through May 3,
            2007, a Participant who has completed three Years of Service prior to
            January 1, 2006, or the designated beneficiary of such Participant or
            the
            designated beneficiary of a deceased Participant, may elect to direct
            the
            Plan as to the investment of 100% of the value of the portion of the
            Participant’s Account invested in Employer securities that were
            contributed to such Participant’s Account on or after January 1, 2007, in
            accordance with the investment procedures of Section 9.02 of the
            Plan.

           

                  (ii)
                effective March 31, 2007 through May 3, 2007, a
            Participant who has attained age 55 and who has completed three Years
            of
            Service prior to 

           

        

      

    

    

    
    

     

    
      
        January
          1, 2006, may elect to direct the Plan as to the investment of
          100% of the value of the Participant’s Account invested in Employer
          securities, in accordance with the investment procedures of Section 9.02
          of
          the Plan.

         

                (iii)
             effective March 31, 2007 through May 3, 2007, a
          Participant who has completed at least three Years of Service, or the
          designated beneficiary of such Participant or the designated beneficiary
          of
          a deceased Participant, may direct the Plan as to the investment of 33%
          of
          the value of the portion of the Participant’s Account that is invested in
          Employer securities as of December 31, 2006, in accordance with the
          investment procedures of Section 9.02 of the Plan.

         

                 Notwithstanding
          any other contrary provision of the Plan, effective May 4, 2007, any
          Participant or designated beneficiary of a Participant may elect to direct
          the Plan as to the investment of 100% of the value of the Participant’s
          Account invested in Employer securities, in accordance with the investment
          procedures of Section 9.02 of the Plan.

         

                 For
          purposes of
          the Section 9.03(f): ‘Years of Service” means Years of Service as defined in
          Section 1.35(a) of the Plan for purposes of determining a Participant’s
          nonforfeitable interest in the Plan; and ‘Employer securities’ means
          employer securities as defined in Code Section
          401(a)(35)(G)(iii).”

         

      

    

                     3.
           By addition the following new sentence to the end
      of section14.01(l)
      of the Plan, effective May 31, 2007:

     

    
      
                  “Notwithstanding
          any provision of the Plan to the contrary, effective after May 31, 2007,
          the
          Plan will not accept any new applications for residential
          loans.”

         

      

    

    *
                *          *

     

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

     

    
      	 	SKY
              FINANCIAL GROUP, INC.
BENEFIT PLANS
              COMMITTEE
	 	 	 
	 	By:	/s/
              G. A. Scroulle
	 	 	
              

            
	 	Its:	Chief
              Human Resources Officer
	 	 	
              

            

    

    -2-

     

    

      

      
      

       

       

       

      TWELFTH
        AMENDMENT OF THE
SKY
        FINANCIAL GROUP, INC. PROFIT SHARING, 401(K) AND
        ESOP PLAN
(As
        Amended and Restated Effective January 1, 2004)

       

           WHEREAS,
        Sky Financial Group, Inc. (the “Company”)
        maintains the Sky Financial Group, Inc. Profit Sharing, 401(k) and ESOP Plan
        (the “Plan”);

       

           WHEREAS,
        pursuant to Section 10.02 of the Plan, the
        Company has the power and authority to terminate the Plan at any time, which
        authority has been delegated to the Compensation Committee of the Board of
        Directors of the Company (the “Committee”); and

       

           WHEREAS,
        upon the recommendation of the Sky Financial
        Group, Inc. Benefit Plans Committee, this Committee now considers it necessary
        and desirable to terminate the Plan.

       

           NOW, THEREFORE,
        pursuant to the power reserved to the
        Company by Sections 10.01 and 10.02 of the Plan, and by virtue of the authority
        delegated to the Committee, the Plan, as previously amended, is hereby further
        amended by adding the following new Article XIX of the Plan, effective as
        of
        June 30, 2007:

       

           “ARTICLE
        XIX
TERMINATION OF THE
        PLAN

       

           19.01
        Plan Termination. The Plan will be terminated
        effective immediately prior to the ‘Effective Time,’ as defined in the Agreement
        and Plan of Merger by and among Huntington Bancshares Incorporated, Penguin
        Acquisition, LLC and the Company dated as of December 20, 2006 (the ‘Termination
        Date’), subject to and contingent upon the closing of such
        merger.

       

           19.02
        Contributions. Except as provided herein, the
        Employer will make no further contributions and no further benefits will
        accrue
        on behalf of any Participant under the Plan for any period after the Termination
        Date.

       

           (a) No
        Participant will be permitted to make any
        401(k) Contributions as to any Annual Compensation earned after the Termination
        Date. Matching Contributions pursuant to Section 3.03 of the Plan will be
        made
        with respect 401(k) Contributions made through the Termination
        Date.

       

      

      
      

       

           (b) No
        Profit Sharing Contribution will be made for
        the Plan Year ending on the Termination Date.

       

           (c) No
        ESOP Contribution will be made for the Plan
        Year ending on the Termination Date, except that any eligible Participant
        who
        died, incurred a Disability, or terminated employment with the Employers
        on or
        after attaining Normal Retirement Age during the portion of the Plan Year
        form
        January 1, 2007 through the Termination Date shall receive an allocation
        of an
        ESOP Contribution, pursuant to Sections 3.05 and 4.03 of the
        Plan.

       

           19.03
        Full Vesting. Pursuant to Section 10.02 of the
        Plan, the entire interest of each affected Participant’s Accounts shall become
        nonforfeitable upon the Termination Date. For purposes of this Section 19.03,
        a
        Participant who is affected by the Plan’s termination will include a Participant
        who, as of the Termination Date, (i) had terminated employment with the Employer
        with a partially vested interest in his or her Accounts, (ii) had not received
        a
        distribution of such Accounts under Section 6.01 of the Plan, and (iii) had
        not
        incurred at least five consecutive Breaks-in-Service.

       

           19.04
        Distributions. Pursuant to Article 6 of the
        Plan, each Participant will receive total distribution of his or her Account
        as
        soon as administratively feasible after the Termination Date. Notwithstanding
        any provision of the Plan to the contrary, effective on and after the
        Termination Date, no distributions from the Plan will be made in the form
        of
        substantially equal monthly, quarterly, semi-annual or annual installment
        payments. Notwithstanding any provision of the Plan to the contrary, if a
        Participant or Beneficiary cannot be located, the Participant’s Account will be
        paid in a direct rollover to an individual retirement plan designated by
        the
        Plan Administrator.

       

           19.05
        Application of Plan Terms. To the extent not
        inconsistent with the provisions of this Article, all other provisions of
        the
        Plan will continue to apply.”

       

           IN WITNESS
        WHEREOF, the undersigned Committee member
        has executed this Plan amendment on behalf of the Committee, this 4th
        day of June 2007.

       

      
        	
                COMPENSATION
                  COMMITTEE OF
                  THE
BOARD
                  OF
                  DIRECTORS OF SKY
FINANCIAL
                  GROUP, INC.

                 

              
	 	 	 
	By:	/s/
                Jerard P.
                Mastroianni 
	 	
                

              
	 	A
                member of
                the Committee

      

       

       

      2

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00125-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00125-of-00352.parquet"}]]