Document:

Exhibit 10.14
-------------

                  THE NATIONAL BANK OF INDIANAPOLIS CORPORATION

                               401(k) SAVINGS PLAN

       (As Amended and Restated Generally Effective as of January 1, 2006)

                                Krieg DeVault LLP
                              Indianapolis, Indiana

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                                          CONTENTS
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ARTICLE I              INTRODUCTION......................................................1
        Section 1.1    Purpose...........................................................1

        Section 1.2    Effective Date....................................................1

        Section 1.3    Employers and Affiliates..........................................1

        Section 1.4    Plan Administration; Plan Year....................................1

        Section 1.5    Funding of Benefits...............................................2

        Section 1.6    Examination of Documents..........................................2

        Section 1.7    Contributions Not Dependent Upon Benefits.........................2

        Section 1.8    Plan Supplements..................................................2

        Section 1.9    Definition References.............................................2

ARTICLE II             PARTICIPATION AND SERVICE.........................................5
        Section 2.1    Eligibility for Participation.....................................5

        Section 2.2    Commencement of Participation.....................................5

        Section 2.3    Duration of Participation.........................................5

        Section 2.4    Restricted Participation and Reemployment.........................5

        Section 2.5    Service...........................................................6

        Section 2.6    Military Service..................................................7

        Section 2.7    Notice of Participation...........................................7

ARTICLE III            DEFERRALS.........................................................8
        Section 3.1    Compensation Deferrals............................................8

        Section 3.2    Catch-Up Contributions............................................8

        Section 3.3    Earnings..........................................................8

        Section 3.4    Changes in Rate of Deferrals......................................8

        Section 3.5    Deferral Elections................................................8

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SECTION                                                                               Page
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ARTICLE IV             CONTRIBUTIONS.....................................................9
        Section 4.1    Deferral Contributions............................................9

        Section 4.2    Safe Harbor Matching Contributions................................9

        Section 4.3    Matching Contributions............................................9

        Section 4.4    Profit Sharing Contributions......................................10

        Section 4.5    Limitations on Contributions......................................10

        Section 4.6    Payment of Contributions..........................................10

        Section 4.7    Rollover Contributions............................................10

        Section 4.8    Investment of Rollover Contribution in Employer Stock.............10

        Section 4.9    Voting Employer Stock.............................................12

        Section 4.10   Direct Transfers..................................................13

        Section 4.11   Participant After-tax Contributions...............................13

ARTICLE V              ALLOCATIONS TO PARTICIPANTS.......................................14
        Section 5.1    Individual Accounts...............................................14

        Section 5.2    Accounting Date...................................................14

        Section 5.3    Account Adjustments...............................................14

        Section 5.4    Crediting of Deferral Contributions...............................15

        Section 5.5    Crediting of Safe Harbor Matching Contributions...................16

        Section 5.6    Allocation of Matching Contributions..............................16

        Section 5.7    Allocation of Profit Sharing Contributions........................16

        Section 5.8    Compensation......................................................16

        Section 5.9    Maximum Additions.................................................17

        Section 5.10   Investment Funds..................................................17

        Section 5.11   Annual Statement to Participants..................................18

ARTICLE VI             DISTRIBUTION OF BENEFITS..........................................19
        Section 6.1    Retirement or Disability..........................................19

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SECTION                                                                               Page
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        Section 6.2    Death.............................................................19

        Section 6.3    Resignation or Dismissal..........................................19

        Section 6.4    Remainders and Reinstatement of Remainders........................20

        Section 6.5    Payment of Benefits...............................................21

        Section 6.6    Manner and Timing of Payment......................................22

        Section 6.7    Death Distribution Provisions.....................................23

        Section 6.8    Spousal Death Benefit.............................................23

        Section 6.9    Designation of Beneficiary........................................24

        Section 6.10   Direct Rollovers..................................................24

        Section 6.11   Loans.............................................................25

ARTICLE VII            DIVERSIFICATION OF INVESTMENT IN EMPLOYER STOCK...................26
        Section 7.1    Election by Qualified Participant.................................26

        Section 7.2    Method of Diversifying Investment.................................26

ARTICLE VIII           PLAN ADMINISTRATION...............................................27
        Section 8.1    Plan Administrator................................................27

        Section 8.2    Committee Membership..............................................27

        Section 8.3    Appointment, Resignation, Removal of Committee Members............27

        Section 8.4    Committee Procedures..............................................27

        Section 8.5    Committee Powers and Duties.......................................27

        Section 8.6    Committee Rules and Decisions.....................................28

        Section 8.7    Interested Committee Member.......................................28

        Section 8.8    Facility of Payment...............................................28

        Section 8.9    Missing Participants and Beneficiaries............................28

        Section 8.10   Claims and Review Procedures......................................29

        Section 8.11   Plan Expenses.....................................................29

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SECTION                                                                               Page
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        Section 8.12   Fiduciary Responsibilities........................................29

ARTICLE IX             MISCELLANEOUS.....................................................30
        Section 9.1    Nonguarantee of Employment........................................30

        Section 9.2    Rights to Trust Assets............................................30

        Section 9.3    Nonalienation of Benefits.........................................30

        Section 9.4    Applicable State Law..............................................30

        Section 9.5    Illegal or Invalid Provisions.....................................30

        Section 9.6    Gender and Number.................................................30

        Section 9.7    Execution in Counterparts.........................................30

        Section 9.8    Waiver of Notice..................................................30

        Section 9.9    Action by the Employers...........................................30

        Section 9.10   Indemnification...................................................31

        Section 9.11   Nonguarantee of Funds.............................................31

        Section 9.12   Qualified Domestic Relations Orders...............................31

ARTICLE X              AMENDMENT AND TERMINATION.........................................32
        Section 10.1   Amendment.........................................................32

        Section 10.2   Termination.......................................................32

        Section 10.3   Termination Procedures............................................32

ARTICLE XI             SUCCESSORS, MERGERS AND PLAN ASSETS...............................33
        Section 11.1   Successors........................................................33

        Section 11.2   Plan Mergers, Consolidations and Transfers........................33

        Section 11.3   Plan Assets.......................................................33

ARTICLE XII            PARTICIPATION BY AFFILIATES.......................................34
        Article 12.1   Affiliate Participation...........................................34

        Article 12.2   Company Action Binding on Other Employees.........................34

SUPPLEMENT A           Claims and Review Procedures......................................A-1

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SECTION                                                                               Page
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SUPPLEMENT B           Limitations on Compensation Deferral and Matching Contributions...B-1

SUPPLEMENT C           Top-Heavy Provisions..............................................C-1

SUPPLEMENT D           Loans.............................................................D-1

SUPPLEMENT E           Minimum Distribution Requirements................................E-1

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                  THE NATIONAL BANK OF INDIANAPOLIS CORPORATION
                               401(k) SAVINGS PLAN

       (As Amended and Restated Generally Effective as of January 1, 2006)

                                   ARTICLE I
                                   ---------

                                  Introduction
                                  ------------

     Section 1.1 Purpose. The National Bank of Indianapolis Corporation 401(k)
Savings Plan (the "Plan") is maintained by The National Bank of Indianapolis
Corporation (the "Company") to assist its eligible employees, and the eligible
employees of any other Employer under the Plan, in providing for their future
financial security by deferring a portion of their Earnings and having those
funds accumulated under the Plan, and by sharing in the contributions from the
Employers. The Plan is intended to meet the provisions of Sections 401(a) and
401(k) of the Internal Revenue Code of 1986, as amended (the "Code") and is
intended to be an eligible individual account plan which will acquire and hold
qualifying employer securities as defined in Section 407(d)(5) of the Employee
Retirement Income Security Act of 1974 ("ERISA").

     Section 1.2 Effective Date. The Plan was originally established by the
Company effective January 1, 1994 (the "Original Effective Date"). The
"Effective Date" of the Plan, as amended and restated, is January 1, 2006,
unless otherwise specified in the Plan or required by applicable law. The
provisions of the Plan as restated only apply to an individual employed by an
Employer on or after the Effective Date. The rights and benefits, if any, of an
employee whose employment with the an Employer terminated before the Effective
Date will be determined in accordance with the terms of the Plan as of the date
of his termination; provided, however, that if a Participant's benefits were not
fully distributed prior to the Effective Date, then the provisions of the Plan
as restated herein will govern the subsequent investment and distribution of
those benefits.

     Section 1.3 Employers and Affiliates. Any Affiliate may adopt the Plan for
the benefit of its employees with the Company's consent in accordance with
Section 12.1. For purposes of this Plan, the term "Affiliate" means the Company
and any other corporation or trade or business whose employees are treated as
being employed by the Company under Code Section 414(b), 414(c), 414(m) or
414(o). The Company and each other Affiliate that adopts the Plan are referred
to as the "Employers" and sometimes individually as an "Employer."

     Section 1.4 Plan Administration; Plan Year. The Plan is administered by the
Benefits Committee (the "Committee"), as described in Article VII. Such
administration is carried out on the basis of a "Plan Year" which is the
twelve-month period commencing on each January 1 and ending on the following
December 31. Any notice or document required to be given to or filed with an
Employer or the Committee will be properly given or filed if delivered or
mailed, by registered mail, postage prepaid, to:

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                             The Benefits Committee
             c/o Susan A. Engledow, Vice President and Trust Officer
                        The National Bank of Indianapolis
                    107 North Pennsylvania Street, Suite 700
                           Indianapolis, Indiana 46204

     Section 1.5 Funding of Benefits. Funds contributed under the Plan will be
held and invested, until distribution, by one or more trustees (the "Trustee")
appointed by the Company, in accordance with the terms of one or more Trust
agreements (the "Trust") between the Company and the Trustee which implement and
form a part of the Plan. The provisions of and benefits under the Plan are
subject to the terms and provisions of the Trust.

     Section 1.6 Examination of Documents. Copies of the Plan and Trust, and any
amendments of either document, will be made available at the principal office of
each Employer where they may be examined by any Participant or other person
entitled to benefits under the Plan.

     Section 1.7 Contributions Not Dependent Upon Profits . The Plan is intended
to qualify as a profit sharing plan under Code Section 401(a). However,
contributions under the Plan may be made without regard to an Employer's current
or accumulated profits.

     Section 1.8 Plan Supplements. The provisions of the Plan may be modified by
supplements to the Plan. The terms and provisions of each supplement are a part
of the Plan and supersede any other provisions of the Plan to the extent
necessary to eliminate any inconsistencies between the supplement and any other
Plan provisions.

     Section 1.9 Definition References The following terms are defined in the
Plan in the following sections:

             Term                                                 Plan Section
             ----                                                 ------------
             Account ..................................................5.1
             Accounting Date...........................................5.2
             Accounting Period.........................................5.2
             Adverse Benefit Determination.............................A-3
             Affiliate.................................................1.3
             Aggregated Plan...........................................C-5(a)
             Alternate Payee...........................................9.12
             Annual Addition...........................................5.9
             Annual Dollar Limitation..................................B-2(a)
             Authorized Leave of Absence...............................2.5(e)
             Beneficiary...............................................6.9
             Benefit Claim.............................................A-1
             Board
                    ...................................................4.2
             Catch-Up Contribution Account.............................5.1(b)
             Catch-Up Contributions....................................3.2
             Claimant..................................................A-1

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             Code......................................................1.1
             Committee.................................................1.4
             Company...................................................1.1
             Compensation..............................................5.8
             Compensation Cap..........................................5.8
             Compensation Deferral Contribution........................4.1
             Compensation Deferral Contribution Account................5.1(a)
             Compensation Deferrals....................................3.1
             Covered Employee..........................................2.1(b)
             Determination Date........................................C-2
             Direct Rollover...........................................6.10
             Distributee...............................................6.10
             Earnings..................................................3.3
             Effective Date............................................1.2
             Elective Deferral.........................................B-2(c)
             Eligible Participant......................................5.7
             Eligible Retirement Plan..................................6.10
             Eligible Rollover Distribution............................6.10
             Eligibility Period........................................2.5(a)
             Employer..................................................1.3
             Employer Stock............................................4.8
             Entry Date................................................2.2
             ERISA.....................................................1.1
             Highly Compensated Employee...............................B-5
             Hour of Service...........................................2.5(b)
             Inactive Participant......................................2.4
             Investment Funds..........................................5.10
             Key Employee..............................................C-3(a)
             Married Participant.......................................6.8
             Matching Contribution.....................................4.3
             Matching Contribution Account.............................5.1(d)
             Non-Key Employee..........................................C-3(b)
             Normal Retirement Age.....................................6.1
             One-Year Break in Service.................................2.5(d)
             Original Effective Date...................................1.2
             Participant...............................................2.2
             Plan   ...................................................1.1
             Plan Termination Date.....................................10.3
             Plan Year.................................................1.3
             Predecessor Employer......................................2.5(c)
             Profit Sharing Contribution...............................4.4
             Profit Sharing Contribution Account.......................5.1(e)
             Qualified Domestic Relations Order........................9.12
             Qualified Election Period.................................7.1
             Qualified Participant.....................................7.1
             Reemployed Participant....................................6.3

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             Remainder.................................................6.4
             Rollover Account..........................................5.1
             Rollover Contribution.....................................4.7
             Safe Harbor Matching Contribution Account.................5.1(c)
             Safe Harbor Matching Contribution.........................4.2
             Separation Period.........................................6.3(a)
             Successor Plan............................................10.3
             Surviving Spouse..........................................6.8(c)
             Top-Heavy Group...........................................C-5(a)
             Top-Heavy Plan............................................C-1
             Total and Permanent Disability............................6.1
             Trust.....................................................1.5
             Trustee...................................................1.5
             Vested Percentage.........................................6.3
             Years of Service..........................................6.3

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                                   ARTICLE II
                                   ----------

                            Participation and Service
                            -------------------------

     Section 2.1 Eligibility for Participation. Every person employed by an
Employer is eligible to participate in the Plan provided that:

     (a)  He has attained age 21; and

     (b)  He is a Covered Employee. The term "Covered Employee" means a person
          employed by an Employer and classified by the Employer as a common-law
          employee (regardless of the individual's actual employment status),
          except that term does not include an employee employed in a unit of
          employees subject to a collective bargaining agreement where
          retirement benefits were negotiated in good faith by an Employer and
          that unit's bargaining representative.

     Section 2.2 Commencement of Participation. Subject to the conditions and
limitations of the Plan, each Covered Employee who was a Participant in the Plan
on December 31, 2005 will continue as a Participant on and after January 1,
2006. Any other Covered Employee will become a "Participant" in the Plan on the
first day of January, April, July or October (an "Entry Date") coincident with
or next following the date he satisfies the eligibility requirements of Section
2.1, or if later, the date the employee's Employer becomes an Employer under the
Plan pursuant to Section 12.1. If an employee satisfies the requirements of
subsection 2.1(a) before satisfying the requirements of subsection 2.1(b), he
will become a Participant in the Plan on the date he meets the requirements of
subsection 2.1(b).

     Section 2.3 Duration of Participation. Subject to Section 2.4, an employee
will continue as a Participant until the later of his termination of employment
with all of the Affiliates or the complete distribution of his Plan benefits.

     Section 2.4 Restricted Participation and Reemployment. A Participant who
(i) has ceased to be employed by an Employer but has not received a complete
distribution of his Plan benefits or (ii) remains in the employ of an Employer
but has ceased to be a Covered Employee will, upon either such event, become an
"Inactive Participant." An Inactive Participant (including the Beneficiary of a
deceased Participant) will be treated as a Participant for all purposes of the
Plan, except as follows:

     (a)  An Inactive Participant is not permitted to defer any portion of his
          Earnings under Sections 3.1 and 3.2 and will not share in any Employer
          contributions, under Section 4.2, 4.3 or 4.4, except as provided in
          Section 5.5, 5.6 or 5.7.

     (b)  The Beneficiary of a deceased Participant cannot designate a
          Beneficiary under Section 6.9.

     An Inactive Participant who has not terminated employment with the all of
the Affiliates will become an active Participant upon his return to status as a
Covered Employee. An employee who was a Participant and who has terminated
employment with all of the Affiliates will, in the event he is subsequently
reemployed by an Employer, become an active Participant upon his

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reemployment as a Covered Employee. An employee who was never a Participant and
has terminated employment with all of the Affiliates and is subsequently
reemployed by an Employer will be treated as a new employee and will become a
Participant upon satisfying the requirements of Section 2.1. An employee who
satisfied the requirements of Section 2.1 but did not become a Participant under
Section 2.2 will be treated as a former Participant eligible for active
participation in accordance with the foregoing provisions of this Section.

     Section 2.5 Service. The following terms and provisions apply in
determining a Participant's service under the Plan:

     (a)  An "Eligibility Period" is (i) the 12 consecutive month period
          commencing on the date the employee first performs an Hour of Service
          and (ii) each Plan Year beginning on or after that date.

     (b)  The term "Hour of Service" means each hour for which an employee is
          directly or indirectly paid or entitled to payment by an Affiliate for
          the performance of duties and for reasons other than the performance
          of duties (such as vacation, sickness, disability, back pay or
          Authorized Leave of Absence) determined and credited in accordance
          with Section 2530.200b-2 of the Department of Labor regulations which
          are incorporated herein by reference. No more than 501 Hours of
          Service will be credited under this subsection (b) for any computation
          period in which no duties are performed by the employee. Full-time
          employees who are not compensated on an hourly basis will be credited
          with 10 Hours of Service per day, but not to exceed 45 Hours of
          Service for any week of employment. Hours of Service by an individual
          considered to be an employee of an Affiliate under Code Section 414(n)
          or (o) will be treated as Hours of Service under this subsection (b).

     (c)  Unless otherwise provided by the Company, Hours of Service with a
          Predecessor Employer will be disregarded. A "Predecessor Employer"
          means any entity of which the stock, assets or business was acquired
          by an Employer by merger, consolidation or purchase.

     (d)  The term "One-Year Break in Service" means any Plan Year in which the
          employee is not credited with more than 500 Hours of Service.

     (e)  An Authorized Leave of Absence does not constitute a termination of
          employment. However, except as otherwise provided by applicable
          federal law, a Participant who is on Authorized Leave of Absence will
          not be eligible to make Compensation Deferrals or Catch-Up
          Contributions under Article III during the leave of absence. For
          purposes of this Plan an "Authorized Leave of Absence" means:

          (i)  An absence authorized by an Employer under its standard personnel
               practices applied uniformly to all similarly situated employees;
               and

          (ii) An absence due to service in the Armed Forces of the United
               States described in any applicable statute granting reemployment
               rights to employees engaged in such service.

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     (f)  Solely for purposes of determining whether a One-Year Break in Service
          has occurred, an individual who is absent from work for maternity or
          paternity reasons will receive credit for the Hours of Service which
          would otherwise have been credited to such individual but for such
          absence, or in any case in which such hours cannot be determined,
          eight Hours of Service per day of such absence. For purposes of this
          subsection, an absence from work for maternity or paternity reasons
          means an absence (i) by reason of the pregnancy of the individual,
          (ii) by reason of a birth of a child of the individual, (iii) by
          reason of the placement of a child with the individual in connection
          with the adoption of such child by such individual, or (iv) for
          purposes of caring for such child for a period beginning immediately
          following such birth or placement. The Hours of Service credited under
          this subsection will be credited (1) in the computation period in
          which the absence begins if the crediting is necessary to prevent a
          One-Year Break in Service in that period, or (2) in all other cases,
          in the following computation period. No more than 501 Hours of Service
          will be credited under this subsection in any computation period. The
          Committee may require an employee to furnish any information the
          Committee may need to establish that the employee's absence was for
          one of the reasons specified above.

     Section 2.6 Military Service. Notwithstanding any provision of this Plan to
the contrary, contributions, benefits and service credit with respect to
qualified military service will be provided in accordance with Code Section
414(u).

     Section 2.7 Notice of Participation. The Committee will notify each Covered
Employee of the date he becomes a Participant in the Plan and will furnish each
Participant with a summary plan description and such other reports required by
the applicable governmental rules and regulations.

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                                  ARTICLE III
                                  -----------

                                    Deferrals
                                    ---------

     Section 3.1 Compensation Deferrals. Each Participant may elect to defer
from one to 50 percent of his Earnings (as defined in Section 3.3) each Plan
Year in multiples of one percent; provided that the amount so deferred, together
with any Catch-Up Contributions and any other voluntary and any mandatory
withholding, will not reduce a Participant's cash compensation to less than
$0.00. Any amount so deferred (referred to as a Participant's "Compensation
Deferrals") under this Section will be withheld from the Participant's Earnings
and contributed to the Plan under Section 4.1.

     Section 3.2 Catch-Up Contributions. All Participants who are eligible to
make Compensation Deferrals under the Plan and who have attained age 50 before
the close of the Plan Year will be eligible to make "Catch-Up Contributions" in
accordance with, and subject to the limitations of, Code Section 414(v). Such
Catch-Up Contributions will not be taken into account for purposes of the
provisions of the Plan implementing the required limitations of Code Sections
401(a)(30) and 415. The Plan will not be treated as failing to satisfy the
provisions of the Plan implementing the requirements of Code Section 401(a)(4),
401(k)(3), 401(k)(11), 401(k)(12), 410(b) or 416, as applicable, by reason of
the making of such Catch-Up Contributions.

     Section 3.3 Earnings. Effective January 1, 2005, subject to the limitations
described in Section 5.8, a Participant's "Earnings" for purposes of Sections
3.1, 4.2 and 4.3 means the total compensation paid to the Participant during a
Plan Year which is treated as wages within the meaning of Code Section 3401(a)
(determined without regard to any rules which limit the remuneration included in
wages based on the nature or location of employment or the services performed)
plus the compensation that, but for the Compensation Deferral election made
under Section 3.1, the Catch-Up Contributions election made under Section 3.2,
or an election made under Code Section 125, or 132(f)(4), would have been paid
to the Participant by an Employer for services rendered to an Employer as an
employee, but excluding fringe benefits (cash and non-cash), welfare benefits,
deferred compensation and reimbursements (including moving expenses) and expense
allowances.

     Section 3.4 Changes in Rate of Deferrals. A Participant who has elected to
make Compensation Deferrals or Catch-Up Contributions may elect to increase or
decrease the rate of his Compensation Deferrals and Catch-Up Contributions (or
to suspend or resume deferrals) within the limits specified in Section 3.1 and
3.2, in accordance with Section 3.5.

     Section 3.5 Deferral Elections . A Participant's deferral election will be
effective until his termination of employment with all the Employers or until
changed or suspended in accordance with Section 3.4 and this Section.
Compensation Deferrals and Catch-Up Contributions will normally be made through
equal payroll deductions. However, the Committee may establish other
nondiscriminatory methods for permitting Compensation Deferrals and Catch-Up
Contributions. Any elections or notices that are to be made or given under this
Article III must be made at the time, in the manner and on such forms as
established by the Committee. The Committee may also prescribe additional rules
and procedures consistent with the foregoing to govern Compensation Deferral and
Catch-Up Contributions elections under this Article III.

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                                   ARTICLE IV
                                   ----------

                                  Contributions
                                  -------------

     Section 4.1 Deferral Contributions. Subject to the conditions and
limitations of this Article IV, Article V and Supplement B, each Employer will
contribute an amount equal to the Compensation Deferrals made under Section 3.1
for each Plan Year by a Participant employed by that Employer to the Trustee in
the name of the Participant (referred to as a "Compensation Deferral
Contribution"). If all or any portion of a Participant's Compensation Deferrals
for any Plan Year may not be contributed due to the limitations or conditions of
Section 4.5 or Section 5.9, the amount that may not be contributed will be paid
to the Participant. If that amount has already been contributed, the excess
contribution will be returned directly to the Participant. Each Employer will
contribute an amount equal to the Catch-Up Contribution made under Section 3.2
for each Plan Year by a Participant employed by the Employer to the Trustee in
the name of the Participant.

     Section 4.2 Safe Harbor Matching Contributions . Subject to the conditions
and limitations of this Article IV, Article V and Supplement B, each Plan Year
the Employer will contribute to the Trustee an amount designated as a "Safe
Harbor Matching Contribution" equal to 100 percent of the sum of each
Participant's Compensation Deferral Contributions and Catch-Up Contributions for
the Plan Year up to three percent of his Earnings plus 50 percent of such
Participant's Compensation Deferral Contributions and Catch-Up Contributions for
the Plan Year to the extent that such Compensation Deferral Contributions and
Catch-Up Contributions exceed three percent but do not exceed five percent of
his Earnings. All or any portion of an Employer's Safe Harbor Matching
Contribution may, subject to the discretion of the Board of Directors of the
Company (the "Board"), and acceptance thereof by the Trustee, be made in the
form of whole and fractional shares of Employer Stock, as defined in Section
4.8. Any such contributions will be valued at their fair market value on the
date of the contribution as provided in ERISA Section 3(18). Any contribution
under this section not made in the form of shares of Employer Stock will be made
in cash. Safe Harbor Matching Contributions are nonforfeitable within the
meaning of Treasury Regulation Section 1.401(k)-1(c) and are subject to the
withdrawal restrictions of Code Section 401(k)(2)(B) and Treasury Regulation
Section 1.401(k)-1(d). A contribution made by an Employer under this Section
will be allocated in accordance with Section 5.5 to Participants employed by an
Employer during that Plan Year.

     Section 4.3 Matching Contributions. Subject to the conditions and
limitations of this Article IV, Article V and Supplement B, each Plan Year an
Employer may contribute to the Trustee an amount in addition to the Safe Harbor
Matching Contribution designated as a "Matching Contribution" determined in the
sole discretion of the Board. All or any portion of an Employer's Matching
Contribution may, subject to the discretion of the Board, and acceptance thereof
by the Trustee, be made in the form of whole and fractional shares of Employer
Stock, as defined in Section 4.8. Any such contributions will be valued at their
fair market value on the date of the contribution as provided in ERISA Section
3(18). Any contribution under this Section not made in the form of shares of
Employer Stock will be made in cash. A Matching Contribution made by an Employer
under this Section will be allocated in accordance with Section 5.6 to
Participants who had Compensation Deferral Contributions and Catch-Up
Contributions made on their behalf by the Employer for that Plan Year.

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     Section 4.4 Profit Sharing Contributions. Subject to the conditions and
limitations of this Article IV and Article V, each Plan Year an Employer may
contribute to the Trustee an amount designated as a "Profit Sharing
Contribution" determined in its sole discretion. A Profit Sharing Contribution
made by an Employer under this Section will be allocated to Eligible
Participants employed by the Employer during that Plan Year in accordance with
Section 5.7.

     Section 4.5 Limitations on Contributions. An Employer's contributions made
under Sections 4.1 through 4.4 above for any taxable year of the Employer (that
is, for a Plan Year that begins with or within that taxable year) may not,
unless the Employer specifies otherwise, exceed an amount equal to the maximum
amount deductible by the Employer on account of these contributions for federal
income tax purposes for that taxable year.

     Section 4.6 Payment of Contributions. Compensation Deferral Contributions
and Catch-Up Contributions to be made under Section 4.1 are to be paid to the
Trustee as soon as practicable after the date the Compensation Deferrals and
Catch-Up Contributions would have been paid to the Participants but for their
deferral elections under Sections 3.1 and 3.2. Contributions to be made under
Sections 4.2 through 4.4 are to be paid to the Trustee no later than the date
prescribed by law for filing the Employer's federal income tax return, including
extensions. Any contributions paid with respect to a Plan Year under this
Section will be considered to have been paid by the last day of that year,
regardless of when actually paid to the Trustee.

     Section 4.7 Rollover Contributions.. Subject to rules and procedures
established by the Committee, a Participant or a Covered Employee may at any
time contribute all or any part of an amount that is eligible for rollover to a
qualified plan as determined under the applicable provisions of the Code (a
"Rollover Contribution") if such Rollover Contribution is (i) a Direct Rollover
of an Eligible Rollover Distribution from a qualified plan described in Code
Section 401(a) or 403(a), including after-tax employee contributions; (ii) a
Participant contribution of an Eligible Rollover Distribution from a qualified
plan described in Code Section 401(a) or 403(a); and (iii) a Participant
Rollover Contribution of the portion of a distribution from an individual
retirement account or annuity described in Code Section 408(a) or 408(b) that is
eligible to be rolled over and would otherwise be includible in gross income.
However, if the contribution is not a direct rollover from another eligible
plan, the contribution must be made within 60 days after the date the
Participant receives that amount. Any rollover of after-tax employee
contributions will only be allowed if the Covered Employee who is attempting to
roll such funds provides the Committee with information sufficient for the
Committee to determine the amount of after-tax contributions. After-tax
contributions may not be used to purchase Employer Stock under Section 4.8 of
the Plan. A Rollover Contribution will be credited to an account established
under Section 5.1 in the name of the Participant or the Covered Employee and any
amount credited to that account will be fully vested and nonforfeitable at all
times.

     Section 4.8 Investment of Rollover Contribution in Employer Stock. A
Participant or Covered Employee who has made a Rollover Contribution to the Plan
may request the Trustee to invest a portion of his Rollover Account in whole
shares of Employer Stock in accordance with the provisions of this Section 4.8.
"Employer Stock" means any qualifying employer security within the meaning of
Code Section 409(l) and ERISA Section 407(d)(1) and the Treasury and Department
of Labor Regulations promulgated thereunder.

10
<PAGE>

     (a)  Each individual who has a Rollover Account which has not previously
          been invested in Employer Stock will, on an annual basis, be provided
          the opportunity to request the Trustee, on forms provided by the
          Committee, to invest not less than 25% and not more than the lesser of
          50% of the fair market value, or $200,000, of the individual's
          Rollover Account in Employer Stock.

     (b)  Each individual who has a Rollover Account which has not previously
          been invested in Employer Stock in an amount equal to maximum level
          prescribed by this Section 4.8 will, on an annual basis, be provided
          the opportunity to request the Trustee, on forms provided by the
          Committee, to invest up to the lesser of 50%, expressed as a whole
          percentage, of the fair market value, or $200,000, of the individual's
          Rollover Account in Employer Stock. Once an individual's Rollover
          Account has been invested in Employer Stock in an amount equal to the
          maximum level prescribed by this Section 4.8, the individual will not
          be entitled to make further requests, even if, due to fluctuations in
          value, the percentage of his Rollover Account investment in Employer
          Stock falls below such maximum level.

     (c)  Each year, in connection with its determination of the fair market
          value of Employer Stock, the Committee will notify each individual
          described in (a) and (b) of his eligibility to make a request to the
          Trustee under this Section 4.8. For purposes of determining the amount
          of an individual's Rollover Account which is eligible to be invested
          in Employer Stock, the fair market value thereof will be determined by
          the Committee as of the Accounting Date immediately preceding the date
          on which the purchase will be made.

     (d)  The Committee will provide individuals described in subsections (a)
          and (b) with such information the Committee determines to be
          appropriate to enable them to determine whether to make the election
          provided by this Section 4.8. The Committee will also have the final
          discretion to determine whether a Covered Employee's request to the
          Trustee under this Section 4.8 will be given effect.

     (e)  All purchases of Employer Stock by the Trustee will be made at a
          price, or at prices, which, in the judgment of the Committee, do not
          exceed the fair market value of such Employer Stock as of the date on
          which the Employer Stock is purchased. Provided, further, any sale of
          Employer Stock by the Trustee will be made at no less than the fair
          market value thereof, as determined under this Section 4.8. No
          commission will be charged with respect to any such purchase or sale.
          Any purchase or sale will also be made in conformance with ERISA
          Section 408(e) and the Department of Labor Regulations promulgated
          thereunder. The determination of fair market value of Employer Stock
          for all purposes under the Plan will be made by the Committee which
          will consider the following criteria:

          (i)  Any current and historical practices which have been consistently
               and uniformly utilized to value Employer Stock in sales
               transactions between the Employer and the stockholders, or among
               and between stockholders;

11
<PAGE>

          (ii) Any agreements, restrictions or limitations with respect to or
               imposed upon the sale or transfer of Employer Stock which
               establish or stipulate the price at which the Company or Trust
               may or must purchase such stock under the provisions of the
               Articles of Incorporation or By-Laws of the Company, or written
               agreements, including, but not limited to, buy-sell or redemption
               agreements; provided the same or similar restrictions are
               applicable to substantially all of the outstanding Employer Stock
               and are uniformly and consistently complied with;

          (iii) Such other information concerning the Company and its condition
               and prospects, financial and otherwise, generally used in the
               determination of the fair market value of corporate stock of
               comparable public or private companies engaged in the same or
               similar business;

          (iv) Such other evaluation techniques, such as use of capitalization
               ratios, deemed appropriate by the Committee and executed by
               independent and recognized analysts having expertise in rendering
               such evaluations; and

          (v)  If the Employer Stock is not readily tradable on an established
               securities market, with respect to activities carried on by the
               Plan, all valuations of Employer Stock will be made by an
               independent appraiser meeting requirements similar to those
               contained in the Treasury Regulations promulgated under Code
               Section 170(a)(1). All such appraisals will also satisfy the
               requirements of the Proposed Department of Labor Regulations
               promulgated under Section 3(18) of ERISA. The Committee will have
               the exclusive responsibility for selecting the independent
               appraiser.

     (f)  Except as otherwise provided in Article VII, all amounts invested in
          Employer Stock under this Section 4.8 will remain so invested until
          the Rollover Account to which such stock has been allocated is
          distributed. Provided, however, the Committee may, in its sole
          discretion and at any time, direct the Trustee to sell or resell
          shares of Employer Stock allocated to Rollover, Matching and Safe
          Harbor Matching Contribution Accounts to any person, including the
          Employer.

     Section 4.9 Voting Employer Stock . A Participant, Inactive Participant or
Beneficiary will be entitled to direct the Trustee as to the manner in which
voting rights of shares of Employer Stock which are acquired by the Trust and
allocated to his Account as of the applicable record date are to be exercised
with respect to all matters with respect to which such shares of Employer Stock
are entitled to vote. The Committee will, at least 20 days prior to each meeting
of the shareholders of the Employer, provide each individual entitled, under the
preceding sentence, to direct the voting of Employer Stock with notice of such
meeting and of those matters which at the time of the mailing of such notice are
subject to direction, and are expected to be presented at such meeting for
action by the shareholders, together with an appropriate form with which the
manner of voting on such matters can be directed. If instructions on such
matters are received by the Trustee with respect to any Employer Stock at least
5 days prior to such meeting, the Trustee will vote the allocated shares of
Employer Stock with respect to which such instructions were received in
accordance with such instructions. The Trustee will also vote any

12
<PAGE>

Employer Stock in the Trust (i) as to which instructions have not been received,
(ii) as to which instructions have not been received by the date specified in
the preceding sentence, and (iii) which have not been allocated to any
Participant's Account. The Trustee will vote such shares of Employer Stock in
the same proportion and in the same manner as the shares allocated to
Participants' Accounts with respect to which timely and proper instructions by
Participants have been received. The Trustee will vote all shares as provided in
this Section, subject to the fiduciary obligation imposed on it by ERISA.

     Section 4.10 Direct Transfers. At the direction of and in accordance with
rules prescribed by the Committee, a Participant's or a Covered Employee's
benefits under another plan which meets the requirements of Code Section 401(a)
may be received by the Trustee from the trustee of that other plan; provided
that the benefits are exempt from the requirements of Code Section 401(a)(11).
Any amount so received will be credited to an account established under Section
5.1 in the name of the Participant or Covered Employee and any amount credited
to such an account will be fully vested and nonforfeitable at all times.

     Section 4.11 Participant After-tax Contributions. Participants are not
required or permitted to make after-tax contributions under the Plan.

13
<PAGE>

                                   ARTICLE V
                                   ---------

                           Allocations to Participants
                           ---------------------------

     Section 5.1 Individual Accounts. The Committee will create and maintain the
following accounts on behalf of each Participant (or Covered Employee who makes
a Rollover Contribution):

     (a)  A "Compensation Deferral Contribution Account" to reflect the
          Compensation Deferral Contributions made on behalf of the Participant
          under Section 4.1;

     (b)  A "Catch-Up Contribution Account" to reflect the Catch-Up
          Contributions made on behalf of the Participant under Section 4.1;

     (c)  A "Safe Harbor Matching Contribution Account" to reflect the Safe
          Harbor Matching Contributions made on behalf of the Participant under
          Section 4.2;

     (d)  A "Matching Contribution Account" to reflect the Matching
          Contributions made on behalf of the Participant under Section 4.3; and

     (e)  A "Profit Sharing Contribution Account" to reflect the Profit Sharing
          Contributions made on behalf of the Participant under Section 4.4.

     Each account will also reflect the credits and charges to be made to that
account under this Article V. The Committee may also maintain any other account
or subaccount as it deems advisable, including a "Rollover Account" to reflect
Rollover Contributions made under Section 4.7. Unless the context indicates
otherwise, references to a Participant's "Account" means all accounts maintained
in his name under the Plan. The maintenance of these accounts is only for
accounting purposes, and no assets of the Trust fund need be segregated to any
account.

     Section 5.2 Accounting Date. The term "Accounting Date" means, with respect
to the portion of the Participant's Account which is not invested in Employer
Stock, each day on which the securities markets of the United States are
generally in operation. With respect to the portion of a Participant's Account
that is invested in Employer Stock, "Accounting Date" means each December 31st
and the date, if any, declared each spring by the Committee, following receipt
of a valuation report prepared by an independent valuation firm, in connection
with the purchase by the Trustee of Employer Stock with Rollover Contributions
as described in Section 4.8 and the distribution of Participants' Accounts which
are invested in Employer Stock as described in Section 6.6. "Allocation Date"
also means any other date selected by the Committee, including any date the Plan
is terminated or partially terminated. Any reference to an "Accounting Period"
ending on an Accounting Date means the period since the last preceding
Accounting Date.

     Section 5.3 Account Adjustments. The Accounts of Participants and
Beneficiaries will be adjusted by the recordkeeper, at the direction of the
Committee, as of each Accounting Date in accordance with the following:

     (a)  Withdrawals. Any distributions, loans or other withdrawals from the
          Trust fund will be debited from the Participants' Accounts.

14
<PAGE>

     (b)  Adjustments to Investment Funds.

          (i)  The net asset value of the securities and/or other assets
               comprising each Investment Fund (as defined in Section 5.10) will
               be computed. This net asset value will be equal to the market
               price of the securities and other assets comprising the
               Investment Fund as of the close of business on the current
               Accounting Date.

          (ii) Following the computation of the net asset value for each
               Investment Fund, a gain or loss will be assigned to each Account
               invested in the Investment Fund based on the net asset value of
               the Investment Fund on the previous Accounting Date.

          (iii) Any requests for transfers to be made to or from an Investment
               Fund by any Participant, received prior to the stated deadline on
               such Accounting Date will be made. In completing the valuation
               procedure described above, such adjustments in the amount
               credited to such Accounts will be made on the Accounting Date to
               which the investment activity relates. It is intended that this
               Section operate to distribute among the Participant's Accounts
               all income of the Investment Funds and changes in the value of
               the Investment Funds' assets.

          (iv) In addition to the above paragraph (iii), in the event a pooled
               Investment Fund is created as a designated fund for Participant
               investment election in the Plan, valuation of the pooled
               Investment Fund will be governed by the administrative services
               agreement for that pooled Investment Fund.

     (c)  Adjustments to Employer Stock. The change in value of Employer Stock
          will only be reflected on an Accounting Date for Employer Stock as
          provided in Section 5.2.

     (d)  Crediting Contributions. Contributions will be credited to the
          Participants' Accounts as set forth in Sections 5.4 through 5.7.

     (e)  Deemed Date of Allocation. All credits or deductions made under this
          Article to Participant's Accounts will, for all purposes other than
          the allocation of income, be deemed to have been made no later than
          the last day of the Plan Year though actually determined thereafter.
          For any period in which one or more Investment Funds are maintained
          under Section 5.8, the foregoing provisions of this Section 5.3 will
          be applied to the Account balances invested in each Investment Fund
          and to any withdrawals or contributions to be allocated to an
          Investment Fund as if each Investment Fund were a separate trust fund.
          No credit to an Investment Fund will be taken into account under this
          Section 5.3 until the Accounting Date the contribution was both paid
          to the Trustee and credited to the Investment Fund by the Investment
          Fund recordkeeper.

     Section 5.4 Crediting of Deferral Contributions. Subject to the conditions
and limitations of this Article V and Supplement B, as of each Accounting Date,
any Compensation

15
<PAGE>

Deferral and Catch-Up Contributions made on behalf of a Participant under
Section 4.1 that are not returned to the Participant under that Section 4.1,
will be credited to that Participant's Compensation Deferral and Catch-Up
Contribution Accounts, respectively.

     Section 5.5 Crediting of Safe Harbor Matching Contributions. Subject to the
conditions and limitations of this Article V and Supplement B, as of the
December 31st Accounting Date, any Safe Harbor Matching Contributions made under
Section 4.2 for that Plan Year will be allocated and credited to the Safe Harbor
Matching Contribution Account of each Participant in an amount equal to 100
percent of the sum of that Participant's Compensation Deferral and Catch-Up
Contributions made to the Plan for that Plan Year up to three percent of the
Participant's Earnings plus 50 percent of such Participant's Compensation
Deferral and Catch-Up Contributions for the Plan Year to the extent that such
Compensation Deferral and Catch-Up Contributions exceed three percent but do not
exceed five percent of the Participant's Earnings for the Plan Year.

     Section 5.6 Allocation of Matching Contributions. Subject to the conditions
and limitations of this Article V and Supplement B, as of the December 31st
Accounting Date, any Matching Contributions made under Section 4.3 for that Plan
Year will be allocated and credited to the Matching Contribution Accounts of all
Participants, pro rata, according to the Compensation Deferral and Catch-Up
Contributions credited to those Participants under Section 5.4 above for that
Plan Year. Notwithstanding the foregoing, an Employer may limit the Compensation
Deferral and Catch-Up Contributions to be used with respect to the Participants
for allocation purposes by specifying that limit (in either dollar or percentage
terms or both) prior to the end of the Plan Year for which the Matching
Contributions are being made.

     Section 5.7 Allocation of Profit Sharing Contributions. Subject to the
limitations of this Article V, as of the December 31st Accounting Date, any
Profit Sharing Contributions made under Section 4.4 for the Plan Year will be
allocated as of that date to the Profit Sharing Contribution Accounts of all
Eligible Participants, pro rata, according to those Participants' Earnings for
that year. An "Eligible Participant" means a Participant who is:

     (a)  Employed by an Employer (or on an Authorized Leave of Absence) on the
          last day of the Plan Year and who is credited with 1,000 or more Hours
          of Service for that year; or

     (b)  Employed by an Employer during the Plan Year who terminated his
          employment during that year due to his death or Total and Permanent
          Disability (as defined in Section 6.1) or after reaching his Normal
          Retirement Age.

     Section 5.8 Compensation. A Participant's "Compensation" for any Plan Year
means the total amount paid to the Participant by the Employers for that year as
reported on the Participant's federal wage and tax statement (Form W-2), plus
the amount of Compensation Deferral and Catch-Up Contributions made on his
behalf that would have been reported as taxable income on Form W-2 for that year
but for his Compensation Deferral or Catch-Up Contributions election and the
amount that was not reported as taxable income on Form W-2 by an Employer as a
result of an election made by the Participant under a Code Section 125 plan or
by reason of Code Section 132(f)(4). For purposes of allocating contributions
under this Article

16
<PAGE>

V only, a Participant's Earnings and Compensation does not include any amount
paid to the Participant prior to the date on which he became a Participant in
the Plan. In addition, a Participant's Earnings and Compensation does not
include any amount in excess of the Compensation Cap in effect for that year.
The term "Compensation Cap" means the sum of (i) $210,000, and (ii) any
adjustments permitted under Code Section 401(a)(17)(B).

     Section 5.9 Maximum Additions. Notwithstanding anything contained in the
Plan to the contrary, the Annual Addition (as defined below) made to a
Participant's Account for any Plan Year will not exceed the lesser of $42,000
(as adjusted pursuant to Code Section 415(d)(1)(C)) or 100 percent of the
Participant's Compensation. The term "Annual Addition" means the sum of the
Compensation Deferral Contributions, Matching Contributions, Safe Harbor
Matching Contributions and Profit Sharing Contributions that are to be credited
to a Participant's Account for a Plan Year. All defined contribution plans
maintained by an Affiliate will be aggregated with this Plan for purposes of
determining the limitation on Annual Additions. For purposes of the preceding
sentence, the term "Annual Addition" includes the sum of any Employer
contributions, employee contributions, forfeitures and allocations made on
behalf of a Participant to an individual medical benefit account, as defined in
Code Section 415(l)(2), or to a separate post-retirement medical benefit account
(if the Participant is a Key Employee under Code Section 419A(d)(3)) under a
welfare benefit fund, as defined in Code Section 419(e). The compensation limit
will not apply to any contributions for medical benefits after separation from
service (within the meaning of Code Section 401(h) or 419A(f)(2)) which is
otherwise treated as an Annual Addition. If an Annual Addition exceeds this
limitation due to a reasonable error in estimating a Participant's Compensation,
or due to a reasonable error in determining the amount of Compensation Deferrals
that may be made under the limits of Code Section 415, the excess will be held
unallocated in a suspense account until it is used to reduce future
contributions of the Participant's Employer under Section 4.2, 4.3 or 4.4 in the
next Plan Year and each succeeding Plan Year, if necessary. If a suspense
account is in existence at any time during the Plan Year pursuant to this
Section, it will not participate in the allocation of the Trust's income or
investment gains and losses. Notwithstanding the foregoing, the Committee may
direct the distribution of Compensation Deferral Contributions to a Participant
to the extent needed to meet the limits of Section 5.9.

     Any amount returned will be disregarded for purposes of the limits of
Supplement B. The Committee may also direct the distribution of any investment
earnings on the returned contributions to avoid a violation of the limits of
Section 5.9.

     Section 5.10 Investment Funds. The Trust fund may include one or more
"Investment Funds" established by the Trustee at the direction of the Committee.
Each Participant may elect the manner in which his Account (which is not held in
Employer Stock) is to be invested among the Investment Funds. The Committee will
adopt rules concerning the investment of amounts for which it receives no
election and inform Participants of those rules from time to time. A Participant
may also elect to have amounts in his Accounts that are invested in an
Investment Fund transferred to another Investment Fund or Funds. A Participant's
election to invest his Account, to change the investment of future contributions
or to transfer amounts from one Investment Fund to another will be made in
accordance with any rules established by the Committee in accordance with this
Section on forms or pursuant to procedures established by the Committee for that
purpose.

17
<PAGE>

     Section 5.11 Annual Statement to Participants. As soon as practicable after
the end of each Plan Year and at such other times as the Committee determines in
its sole discretion, the Committee will furnish each Participant with a
statement reflecting the status of the Participant's Account as of that date.

                                       18
<PAGE>

                                   ARTICLE VI
                                   ----------

                            Distribution of Benefits
                            ------------------------

     Section 6.1 Retirement or Disability. If a Participant's employment with
all of the Affiliates terminates on or after the date the Participant has
attained age 65 (his "Normal Retirement Age"), or if his employment terminates
because of his Total and Permanent Disability, the Participant will be entitled
to receive the entire amount credited to his Account, determined as of the date
specified in Section 6.6, distributable in accordance with this Article VI. For
purposes of this Plan, a Participant will be deemed to have incurred a "Total
and Permanent Disability" if the Participant has a disability as determined for
purposes of the Federal Social Security Act which qualifies the Participant for
permanent disability insurance payments in accordance with that Act. A minimal
level of earnings in restricted activity during any period of disability will
not disqualify a Participant from receiving disability benefits for such period
if the disabled Participant receives disability benefits under the Social
Security Act for the same period.

     Section 6.2 Death. If a Participant's employment with all of the Affiliates
terminates because of his death, the entire amount in his Account, determined as
of the date specified in Section 6.6, will be paid to his Beneficiary in
accordance with this Article VI after receipt by the Committee of acceptable
proof of death.

     Section 6.3 Resignation or Dismissal. If a Participant's employment with
all of the Affiliates terminates prior to his satisfying the requirements of
Section 6.1 and for a reason other than his death, the Participant will be
entitled to receive the entire amount in his Compensation Deferral Contribution
Account, his Catch-Up Contribution Account, his Safe Harbor Matching
Contribution Account, and his Rollover Account, determined as of the date
specified in Section 6.6, distributable in accordance with this Article VI. The
Participant will also be entitled to receive the "Vested Percentage" of his
Matching Contribution and Profit Sharing Contribution Accounts, determined as of
the date specified in Section 6.6, distributable in accordance with this Article
VI. The Vested Percentage of a Participant's Matching and Profit Sharing
Contributions Accounts will be determined in accordance with the following
schedule based on his Years of Service (as defined below) at his termination
date:

                                Vested            Forfeited
        Years of Service      Percentage         Percentage
        ----------------      ----------         ----------

        Less than 1               0%                100%
        1                         20%                80%
        2                         40%                60%
        3                         60%                40%
        4                         80%                20%
        5 or more                100%                0%

     The term "Years of Service" means the sum of the Plan Years beginning on or
after the Original Effective Date in which the Participant was credited with at
least 1,000 Hours of Service (as determined under Section 2.5). However, the
following rules apply to a Participant

19
<PAGE>

who terminates employment with the Affiliates and is subsequently reemployed by
an Affiliate (a "Reemployed Participant"):

     (a)  If the Reemployed Participant incurs a One-Year Break in Service (as
          determined under Section 2.5) during the period between his
          termination and subsequent reemployment (the "Separation Period"),
          Years of Service accrued by the Reemployed Participant prior to the
          Separation Period will not be taken into account to determine his
          Vested Percentage until he has completed one Year of Service following
          his reemployment.

     (b)  No Years of Service accrued by the Reemployed Participant before the
          Separation Period will be taken into account if the Reemployed
          Participant:

          (i)  Had no vested right to any amount in his Account prior to the
               Separation Period; and

          (ii) Incurred five or more consecutive One-Year Breaks in Service
               during the Separation Period.

     (c)  No Years of Service accrued by the Reemployed Participant after he has
          incurred five consecutive One-Year Breaks in Service will be taken
          into account to determine the Vested Percentage of his Matching
          Contribution or Profit Sharing Contribution Account as of a prior
          termination date.

     Section 6.4 Remainders and Reinstatement of Remainders. The portion of a
Participant's Matching Contribution or Profit Sharing Contribution Account that
is not distributable to the Participant or his Beneficiary under Section 6.3
will be treated as a "Remainder" and forfeited in accordance with the following
provisions. A Remainder will be forfeited by the Participant as of the earlier
of (i) the end of the Plan Year in which the Participant receives distribution
of his Account (other than the Remainder) or (ii) the end of the Plan Year in
which the Participant incurs five consecutive One-Year Breaks in Service.
Forfeited amounts will be used to reduce any Employer contributions to be made
for the Plan Year in which the forfeiture occurs or as soon as practicable in
subsequent Plan Years. If the Participant is reemployed after his Remainder has
been forfeited but before he has incurred five consecutive One-Year Breaks in
Service, he may repay to the Trustee (within five years of the Participant's
reemployment date) the total amount that had been distributed to him as a result
of his earlier termination of employment. If the Participant makes such a
repayment, both the amount of the repayment and the Remainder will be credited
to his Matching and Profit Sharing Contribution Accounts as of the Accounting
Date occurring on the last day of a Plan Year that is coincident with or next
following the date of repayment (after all other adjustments required under the
Plan as of that date have been made). A Participant who has no vested benefit
under the Plan will be deemed to have been paid a vested benefit at the time of
his termination of employment for purposes of this Section. He will also be
deemed to have repaid that distribution on the date of his reemployment if he is
reemployed before incurring five consecutive One-Year Breaks in Service. If the
Company must reinstate a Remainder under the preceding sentences, the
reinstatement will be made by utilizing Remainders forfeited by other
participants. If no forfeited Remainders are available for this purpose, the
Company may use any income of the

20
<PAGE>

Trust fund to be credited as of that date under Section 5.3 or may require the
Participant's Employer to make a special Employer contribution, as determined by
the Company, to the extent needed to reinstate the required amount.

     Section 6.5 Payment of Benefits. The balance of a Participant's Account
that is distributable under Section 6.1, 6.2 or 6.3 will be paid in cash or, if
applicable and elected by the Participant or Beneficiary, in the form of whole
shares of Employer Stock in the manner and at the time specified in Section 6.6.
Except as otherwise provided below, payment will be made within a reasonable
time after the last day of the Plan Year coincident with or next following the
Participant's termination date, but in no event later than 60 days after the
latest of (i) the end of the Plan Year in which his termination occurs, (ii) the
end of the Plan Year in which the Participant attains Normal Retirement Age, or
(iii) the date on which the amount of the payment can be ascertained by the
Committee. If the Participant is reemployed by an Employer before payment is
made or begun under this Section, no payment will be made until the Participant
terminates employment again and is eligible for a distribution under Section
6.1, 6.2 or 6.3.

     (a)  Accounts of $5,000 or Less. If the Participant's vested Account
          balance does not exceed $5,000 on the date payment is to be made, he
          will be paid in a single payment -------------------------- under
          Section 6.6 in accordance with the previous provisions of this
          Section. Effective with respect to distributions made on or after
          March 28, 2005, if the Participant's vested Account balance exceeds
          $1,000 but does not exceed $5,000 and the Participant does not elect
          to have the distribution paid to an Eligible Retirement Plan specified
          by the Participant in a direct rollover or to receive the distribution
          directly, then the Committee will pay the distribution in a direct
          rollover to an individual retirement plan designated by the Committee.
          If the benefit is payable to the Participant's Surviving Spouse,
          Beneficiary or Alternate Payee, the benefit will be paid directly to
          the Surviving Spouse, Beneficiary or Alternate Payee.

     (b)  Accounts of More than $5,000. If the Participant's vested Account
          balance to be distributed under this Section exceeds $5,000 on the
          date payment is to be made and the Participant has attained Normal
          Retirement Age, payment will be made as soon as practicable, as
          described above and in Section 6.6. If the Participant's vested
          Account balance exceeds $5,000 and the Participant has not attained
          Normal Retirement Age by the time the distribution is to be made,
          payment will be made on the first day of the month following the
          Participant's Normal Retirement Age or death, whichever is earlier.
          Notwithstanding the foregoing, any Participant with a distributable
          benefit in excess of $5,000 may elect, in accordance with procedures
          established by the Committee, to accelerate or defer the payment of
          his benefits in accordance with the provisions of this Section. An
          election under the preceding sentence to accelerate payment prior to
          his Normal Retirement Age must be made by the Participant at least 30
          days after (but no more than 90 days after) the Participant receives
          the election form and a description of his benefit payment options.
          The 30-day election period may be waived by the Participant (so that
          benefit payment may be made immediately following receipt of the form
          and notice) if the Committee has clearly informed

                                       21
<PAGE>

the Participant that he has at least 30 days to consider the timing and form of
his benefit payment.

     (c)  Rollovers Disregarded in Involuntary Cash-outs. For purposes of
          Section 6.5(a), with respect to Participants who separate from service
          after December 31, 2000, the value of a Participant's nonforfeitable
          Account balance will be determined without regard to that portion of
          the Account balance that is attributable to Rollover Contributions
          (and earnings allocable thereto) within the meaning of Code Sections
          402(c), 403(a)(4) and 408(d)(3)(A)(ii). If the value of the
          Participant's nonforfeitable Account balance, as so determined, is
          $5,000 or less, the Plan will distribute the Participant's entire
          nonforfeitable Account balance at the same time and in the same manner
          as provided in this Article for Account balances of $5,000 or less.

     (d)  Minimum Required Distributions. Distribution of a single payment with
          respect to a Participant who has terminated employment may not be
          deferred beyond April 1 of the calendar year that follows the calendar
          year in which the Participant attains age 70 1/2. Participants who are
          five percent or more owners of an Affiliate (as defined in Code
          Section 416) at any time during the Plan Year ending with or within
          the calendar year in which they attain age 70 1/2, must receive or
          begin to receive payment of their Accounts by that April 1 date,
          regardless of their employment status.

     Section 6.6 Manner and Timing of Payment. Subject to the provisions of
Section 6.8, payment of a Participant's benefit that is distributable under
Section 6.5 will be made to or for the benefit of the Participant, or in the
event of his death, to or for the benefit of his Beneficiary, in a single
payment as provided in this Section 6.6.

     (a)  Payment of all distributable Accounts will be made as soon as
          reasonably practicable following the last day of the Plan Year in
          which the Participant terminated employment. The portion of a
          Participant's distributable Account which does not consist of Employer
          Stock will be valued as of the Accounting Date that immediately
          precedes the date of distribution. The portion of a Participant's
          distributable Account which consists of Employer Stock will be valued
          as of the Accounting Date described in Section 5.2 which coincides
          with or immediately precedes the date of distribution.

     (b)  A Participant may elect, on a form provided by the Committee, to
          receive the portion of his Account which consists of Employer Stock in
          any one of the following three forms:

          (i)  Whole shares of Employer Stock with any fractional share
               interests distributed in cash;

          (ii) Cash; or

          (iii) A combination of cash and whole shares of Employer Stock.

22
<PAGE>

     (c)  If the Participant elects to receive any portion of his Account which
          consists of Employer Stock in the form of cash, those shares of
          Employer Stock which are to be distributed in cash will be liquidated,
          as of the Accounting Date specified in subsection (a), in the
          following manner:

          (i)  The use by the Trustee of cash from Rollover Contributions as
               described in Section 4.8; and, if necessary

          (ii) The use by the Trustee of the Employer's cash Safe Harbor
               Matching Contributions and Matching Contributions as described in
               Sections 4.2 and 4.3; and, if necessary

          (iii) The purchase of any remaining shares of Employer Stock from the
               Trustee by the Employer, subject to the requirements of Section
               4.8(e).

     Section 6.7 Death Distribution Provisions. Upon the death of the
Participant, the following distribution provisions shall apply:

     (a)  If the Participant dies after the distribution of his Account no
          further payments will be made.

     (b)  If the Participant dies before the distribution of his Account
          commences, the Participant's entire Account will be distributed as
          provided in Section 6.6 subject to the minimum required distribution
          rules of Supplement E.

     Section 6.8 Spousal Death Benefit. Notwithstanding anything in this Article
to the contrary, the Account of a Participant who is married at the time of his
death and dies before any benefit payments have been made or who is married on
the date benefit payments commence and dies before the complete distribution of
his benefits (a "Married Participant") will be distributed in accordance with
the following provisions:

     (a)  Spousal Death Benefit. If the Married Participant has not received the
          entire balance payable to him under Section 6.5 prior to his death,
          the remaining portion of his Account balance will be paid to his
          Surviving Spouse in accordance with Section 6.6, unless the
          Participant has designated another person or persons as his
          Beneficiary and his Surviving Spouse has consented to the designation
          as provided in subsection (b) below.

     (b)  Spousal Consent. A Surviving Spouse's consent under this Section will
          be effective only if:

          (i)  The Married Participant designates another Beneficiary and that
               designation cannot be changed without the Surviving Spouse's
               consent (unless the original consent expressly permits a change
               to be made without the Surviving Spouse's subsequent consent);

          (ii) The Surviving Spouse consents to the designation in a writing
               witnessed by a Notary Public or Committee member; and

23
<PAGE>

          (iii) The consent acknowledges the effect of the Married Participant's
               designation.

     (c)  Surviving Spouse. For purposes of this Section, a Married
          Participant's "Surviving Spouse" is the person to whom the Married
          Participant was married on the day of his death.

     Section 6.9 Designation of Beneficiary. Each Participant from time to time
may designate any person or persons (who may be designated contingently or
successively and who may be an entity other than a natural person) as his
"Beneficiary" to whom his Plan benefits will be paid if he dies before he
receives all his benefits. Each Beneficiary designation shall be in the form
prescribed by the Committee and will be effective only if filed with the
Committee during the Participant's lifetime. Each Beneficiary designation filed
with the Committee will cancel all previously filed Beneficiary designations.
The revocation of a Beneficiary designation, no matter how effected, will not
require the consent of any designated Beneficiary, except where spousal consent
may be required under Section 6.8. If any Participant fails to designate a
Beneficiary in the manner provided above or if the designated Beneficiary does
not survive the Participant, the Committee will direct the Trustee to distribute
the Participant's benefits to the Participant's estate. If the Beneficiary
survives the Participant, but dies before the complete distribution of the
Participant's benefits, the Committee will direct the Trustee to distribute the
balance of the Participant's benefits to the Beneficiary's estate.

     Section 6.10 Direct Rollovers. Notwithstanding any provision of the Plan to
the contrary, a Distributee may elect, at the times and in the manner prescribed
by the Committee, to have any portion of an Eligible Rollover Distribution paid
to an Eligible Retirement Plan specified by the Distributee in a Direct
Rollover. The term "Eligible Rollover Distribution" means any distribution of
all or any portion of the balance to the credit of the Distributee, except that
an Eligible Rollover Distribution does not include: any distribution that is one
of a series of substantially equal periodic payments (not less frequently than
annually) made for the life (or life expectancy) of the Distributee or the joint
lives (or joint life expectancies) of the Distributee and the Distributee's
designated Beneficiary, or for a specified period of ten years or more; any
distribution to the extent such distribution is required under Code Section
401(a)(9); and any distribution to the extent paid from the Participant's
Account as a "hardship withdrawal." A portion of a distribution will not fail to
be an eligible rollover distribution merely because the portion consists of
after-tax contributions which are not includible in gross income. However, such
portion may be transferred only to an individual retirement account or annuity
described in Code Section 408(a) or (b), or to a qualified defined contribution
plan described in Code Section 401(a) or 403(a) that agrees to separately
account for amounts so transferred, including separately accounting for the
portion of the distribution which is includible in gross income and the portion
which is not so includible. "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), a qualified trust described in Code Section 401(a), an annuity
contract described in Code Section 403(b) and an eligible plan under Code
Section 457(b) which is maintained by a state, political subdivision of a state
or any agency or instrumentality of a state or political subdivision of a state,
that accepts the Distributee's Eligible Rollover Distribution. "Distributee"
means an employee or former employee. In addition, the employee's or former
employee's Surviving Spouse and the

24
<PAGE>

employee's or former employee's spouse or former spouse who is the Alternate
Payee under a Qualified Domestic Relations Order, as defined in Code Section
414(p), are Distributees with regard to the interest of the spouse or former
spouse. "Direct Rollover" means a payment by the Plan to the Eligible Retirement
Plan specified by the Distributee. If a Participant is employed by a business
entity after he terminates employment with the Employers and that entity
maintains an Eligible Retirement Plan, the Committee, upon the Participant's
request, may direct the Trustee to transfer the Participant's vested Account
balances under this Plan to the trustees or custodian of the other plan;
provided that the other plan permits such a transfer. Upon completion of a
transfer under this Section, all rights of the Participant to any benefit under
this Plan will cease.

     Section 6.11 Loans. The Trustee may loan a portion of the Trust fund to a
Participant at the Committee's direction in accordance with the provisions of
Supplement D.

25
<PAGE>

                                  ARTICLE VII
                                  -----------

                 Diversification of Investment in Employer Stock
                 -----------------------------------------------

     Section 7.1 Election by Qualified Participant. Each Qualified Participant
will be permitted to direct the Trustee as to the diversification of the
Employer Stock held in his Account within 90 days after the last day of each
Plan Year during the Participant's Qualified Election Period. The term
"Qualified Participant" means a Participant or Inactive Participant who has
attained age 55. The term "Qualified Election Period" means the ten Plan Years
commencing with the first Plan Year during which the Participant first becomes a
Qualified Participant. Such election may be modified, revoked or superseded by a
new election at any time during the ninety 90 day election period after which it
will be irrevocable. The portion of a Qualified Participant's Account subject to
the diversification election in each of the years during the Qualified Election
Period will be equal to 25 percent of the total number of whole shares of
Employer Stock held in the Participant's Account as of the Applicable Accounting
Dates. With respect to the last year of the Qualified Election Period, "100
percent" will be substituted for "25 percent" in determining the amount subject
to the diversification election.

     Section 7.2 Method of Diversifying Investment. A Qualified Participant's
election to diversify a portion of the Employer Stock held in his Account will
be provided to the Trustee in writing and will be effective no later than 180
days after the close of the Plan Year to which the direction applies.

     (a)  A Qualified Participant may direct the Trustee to transfer the portion
          of his Account to which the election to diversify relates in cash to
          the Investment Funds selected by the Participant. The amount of cash
          to be transferred will be equal to the fair market value of the shares
          of Employer Stock to which the election relates, as determined under
          Section 4.8, based on the per share fair market value as of the
          Accounting Date immediately preceding the date on which the transfer
          is to be made. The transfer will be made no later than 90 days after
          the last day of the period during which the election can be made. The
          amount of cash necessary to implement the Qualified Participant's
          election may, to the extent necessary to comply with such election, be
          funded by the Committee in the same manner as provided for
          distributions under Section 6.6(c).

     (b)  A Qualified Participant may elect not to diversify any portion of his
          Account held in Employer Stock. The failure by a Qualified Participant
          to make a timely or proper election under this Article will be treated
          for all purposes as an election not to exercise his diversification
          rights.

26
<PAGE>

                                  ARTICLE VIII
                                  ------------

                               Plan Administration
                               -------------------

     Section 8.1 Plan Administrator. The Company will act as the Plan
administrator and as the Plan's agent for service of legal process. However, the
Company's Board may appoint a Committee under Section 8.2 to perform the
day-to-day administration of the Plan as provided in this Article VII. If no
Committee is appointed, the Company will perform the duties assigned to the
Committee.

     Section 8.2 Committee Membership. The Committee appointed by the Company's
Board of Directors will consist of three or more persons who may but need not be
employees of an Affiliate. The Company will notify the Trustee, any other
Employers and Participants of the Committee's membership.

     Section 8.3 Appointment, Resignation, Removal of Committee Members. The
Company may remove a member of the Committee at any time by written notice to
him, the other Committee members, any other Employers and the Trustee. A
Committee member may resign at any time by written notice to the Company's
Board, the other Committee members, any other Employers and the Trustee. The
Company may fill any vacancy in the Committee's membership and will give written
notice thereof to the other Committee members, any other Employers and the
Trustee. While there is a vacancy in the Committee's membership, the remaining
Committee members will have the same powers as the full Committee until the
vacancy is filled.

     Section 8.4 Committee Procedures. The Committee may act at a meeting or in
writing without a meeting. The Committee may elect one of its members as
chairman and appoint a secretary, who may or may not be a Committee member, as
it deems advisable. The Committee may authorize any one or more of its members
to execute any directive or certification on behalf of the Committee. The
Trustee, upon receipt of such authorization, may rely on any directive or
certification issued by the authorized member or members until notified to the
contrary. The Committee may also adopt such bylaws and regulations as it deems
desirable for the conduct of its affairs. All decisions of the Committee will be
made by the vote of the majority including actions in writing taken without a
meeting. If because of the number of members qualified to act there is no
majority on a particular matter, a disinterested party selected by the Committee
will decide the matter.

     Section 8.5 Committee Powers and Duties. The Committee has the duties and
powers necessary to discharge its obligations under the Plan and Trust,
including, but not limited to, the following:

     (a)  To construe and interpret the Plan and decide all questions arising in
          the administration, interpretation and application of the Plan and
          Trust;

     (b)  To receive from the Employers and from Participants the information
          necessary for the proper administration of the Plan;

27
<PAGE>

     (c)  To keep, and to furnish an Employer upon its request, such records and
          reports with respect to the administration of the Plan as are
          reasonable and appropriate;

     (d)  To receive, review and keep on file (as it deems convenient or proper)
          reports of the financial condition, and of the receipts and
          disbursements, of the Trust fund from the Trustee;

     (e)  To direct the Trustee in the payments or distributions to be made from
          the Trust fund in accordance with the provisions of the Plan; and

     (f)  To appoint or employ individuals to assist in the administration of
          the Plan and any other agents it deems advisable, including legal,
          accounting and actuarial counsel.

     Section 8.6 Committee Rules and Decisions. The Committee may adopt such
rules and procedures as it deems necessary or desirable to provide for the
proper administration of the Plan. All rules and decisions of the Committee will
be consistent with the terms of the Plan and Trust and will be uniformly and
consistently applied to all Participants in similar circumstances. When making a
determination or calculation, the Committee is entitled to rely upon information
furnished by a Participant or Beneficiary, the Employers, the legal counsel of
the Company or the Trustee. The Committee will make any adjustments it considers
equitable and practicable to correct a mistake of fact once the mistake becomes
known. Subject to applicable law, any determination made in good faith by the
Committee under this Article VIII will be binding on all persons. Consequently,
benefits under this Plan will be paid only if the Committee decides in its
discretion that the applicant is entitled to them.

     Section 8.7 Interested Committee Member. If a Committee member (or that
member's spouse) is a Plan Participant, that member will be ineligible to
participate in any decision concerning his eligibility for the amount, method or
timing of a distribution under the Plan to be made on his behalf (or on behalf
of his spouse).

     Section 8.8 Facility of Payment. Whenever, in the Committee's opinion, a
person entitled to receive any payment under the Plan is under a legal
disability or incapacitated in any way so as to be unable to manage his
financial affairs, the Committee may direct the Trustee to make payments to his
legal representative or to a relative or friend of such person for his benefit,
or to apply the payment for the benefit of the person in a manner the Committee
considers appropriate. Any benefit payment made in accordance with this Section
will constitute a complete discharge of any liability for the making of such
payment under the Plan.

     Section 8.9 Missing Participants and Beneficiaries. Each Participant must
file his and his Beneficiary's post office address (and any change of address)
with the Committee. Any communication sent to a Participant or Beneficiary at
the address last filed with the Committee, or at the address shown on the
Employer's records if no address was filed with the Committee, will be binding
on the Participant and Beneficiary for all purposes of the Plan. Neither the
Committee nor an Employer is required to search for or locate a Participant or
Beneficiary. If a payment cannot be made within three years of the date the
payment was originally due because the Participant's or Beneficiary's
whereabouts is unknown, the benefit will be forfeited and the

28
<PAGE>

forfeited amount will be utilized in one of the following ways, as determined by
the Committee in its sole and absolute discretion:

     (a)  By paying the forfeited amount to the Beneficiary.

     (b)  By paying the forfeited amount to the Participant's spouse (if then
          living).

     (c)  If there is no known Beneficiary or surviving spouse by paying the
          forfeited amount to one or more of the Participant's relatives (if
          then living) in any proportion the Committee determines to be
          equitable.

     (d)  By treating the forfeited amount as a Remainder under Section 6.4.

     Section 8.10 Claims and Review Procedures. While a Participant or
Beneficiary need not file a claim to receive a benefit under the Plan, such a
person may submit a written claim to the Committee or seek a review of the
Committee's benefit determination. The Committee will afford the Participant or
Beneficiary a full and fair review of such a request as provided in Supplement
A.

     Section 8.11 Plan Expenses. All usual and reasonable expenses of the Plan,
including expenses incurred by the Committee, may be paid in whole or in part by
Employers (in the proportion determined by the Company), and any expenses not
paid by the Employers may be paid by the Trustee out of the principal or income
of the Trust fund. To the extent expenses are paid by the Trustee from the Trust
fund, the Committee may allocate those expenses to an individual Participant's
Account in accordance with nondiscriminatory rules established by the Committee
and communicated to Participants. Any member of the Committee who is an employee
of an Affiliate may not receive compensation with respect to his services for
the Committee.

     Section 8.12 Fiduciary Responsibilities. A fiduciary with respect to the
Plan or Trust shall discharge his fiduciary duties solely in the interest of
Plan Participants and their Beneficiaries with the care, skill, prudence and
diligence under the circumstances then prevailing that a prudent person acting
in a like capacity and familiar with such matters would use in the conduct of an
enterprise of like character and with like aims. It is intended under the Plan
and Trust that a fiduciary will be responsible only for the proper exercise of
its own fiduciary duties and obligations to the extent not properly allocated or
delegated to other persons.

29
<PAGE>

                                   ARTICLE IX
                                   ----------

                                  Miscellaneous
                                  -------------

     Section 9.1 Nonguarantee of Employment. Nothing contained in this Plan may
be construed as a contract of employment between an Employer and any employee,
or as a right to be engaged or continued in the employment of an Employer, or as
a limitation of the right of an Employer to discharge any of its employees, with
or without cause.

     Section 9.2 Rights to Trust Assets. No employee or Beneficiary has any
right to, or interest in, any assets of the Trust, except as provided from time
to time under this Plan. Benefits payable under the Plan to any person are to be
paid solely out of the assets of the Trust fund and the liability of the
Employers and the Trustee to make a benefit payment under the Plan is limited to
the Trust assets available for that purpose.

     Section 9.3 Nonalienation of Benefits. Except as may be required by the tax
withholding provisions of a federal, state or municipal tax act or pursuant to a
qualified domestic relations order (as that term is defined in Code Section
414(p)) or pursuant to a judgment or settlement described in Code Section
401(a)(13)(C) entered into on or after August 5, 1997, benefits payable under
this Plan are not subject in any manner to sale, transfer, assignment, pledge,
encumbrance, garnishment, or levy of any kind, either voluntary or involuntary,
prior to actually being received by the person entitled to the benefit under the
terms of the Plan; and any attempt to sell, transfer, assign, pledge, encumber,
or otherwise dispose of any right to benefits payable hereunder will be void.
The Trust fund will not be liable for, or subject to, the debts, contracts,
liabilities, engagements or torts of any person entitled to benefits hereunder.

     Section 9.4 Applicable State Law. To the extent not superseded by the laws
of the United States, this Plan will be administered and construed and its
validity determined under the laws of the State of Indiana, without regard to
that state's choice of law principles.

     Section 9.5 Illegal or Invalid Provisions. In the event any provision of
this Plan is held illegal or invalid for any reason, such illegality or
invalidity will not affect the remaining parts of this Plan, and the Plan will
be construed and enforced as if such illegal or invalid provision had never been
inserted herein.

     Section 9.6 Gender and Number. Words in the masculine gender are to be
construed to include the feminine gender in all cases where appropriate and
words in the singular or plural are to be construed as being in the plural or
singular where appropriate.

     Section 9.7 Execution in Counterparts. This Plan may be executed in any
number of counterparts each of which will be deemed to be an original. All the
counterparts will constitute but one and the same instrument and may be
sufficiently evidenced by any one counterpart.

     Section 9.8 Waiver of Notice. Any notice required under the Plan may be
waived by the party entitled to such notice.

     Section 9.9 Action by the Employers. Any action required or permitted to be
taken by an Employer under the Plan or Trust must be by resolution of its Board
of Directors, by a duly

30
<PAGE>

authorized committee of its Board of Directors or by a person or persons duly
authorized by its Board of Directors or such committee.

     Section 9.10 Indemnification. To the extent permitted by law, the Employers
will indemnify each current and former employee or director of an Employer and
each current and former Committee member against any and all liability or claim
of liability (to the extent not indemnified under any liability insurance
contract or other indemnification agreement) which the person incurs on account
of any act or failure to act in connection with the good faith administration of
the Plan, including all expenses incurred in the person's defense if the
Employers fail to provide a defense after having been requested to do so in
writing. The right to indemnification under this Section is conditioned upon the
person notifying the Company of the claim of liability within 30 days of the
notice of that claim and offering the Company the right to participate in and
control the settlement and defense of the claim.

     Section 9.11 Nonguarantee of Funds. Neither the Trustee nor the Employers
in any way guarantee the Trust fund from loss or depreciation.

     Section 9.12 Qualified Domestic Relations Orders. Notwithstanding the
provisions of Article VI, payments from a Participant's Account may be made (to
the extent vested under Section 6.3) to an "Alternate Payee" under a "Qualified
Domestic Relations Order" (as those terms are defined under Code Section 414(p))
prior to the Participant's retirement or other termination of employment.

31
<PAGE>

                                   ARTICLE X
                                   ---------

                            Amendment and Termination
                            -------------------------

     Section 10.1 Amendment. The Company reserves the right to amend the Plan
from time to time in its sole discretion, provided that the amendment:

     (a)  Except as provided in Section 11.3, does not cause any part of the
          Trust fund to be used for, or diverted to, any purpose other than the
          exclusive benefit of Participants or their Beneficiaries.

     (b)  Does not eliminate or reduce a Participant's accrued benefit under the
          Plan.

     Section 10.2 Termination. While the Employers expect and intend to continue
the Plan, the Company reserves the right to terminate the Plan with respect to
all Employers at any time in its sole discretion. In addition, the Plan will
terminate with respect to an individual Employer (a) by resolution of the
Employer's Board of Directors, provided that 30 days advance written notice is
given to the Committee and the Company, (b) upon the dissolution, merger,
consolidation or reorganization of the Employer or the sale by the Employer of
all or substantially all of its assets (unless a successor is substituted for
the Employer under Section 11.1), or (c) upon the Employer's complete
discontinuance of contributions under the Plan. A partial termination of the
Plan may occur with respect to a group of Participants on any date specified by
the Company or required by law.

     Section 10.3 Termination Procedures. The date of a termination or partial
termination (a "Plan Termination Date") will constitute a special Accounting
Date under Section 5.2. After the adjustments required under Section 5.3 have
been made, the Committee may reserve a sum it deems to be reasonably necessary
to pay any absolute or contingent liabilities of the Plan or Trust and may
charge that sum to each Participant's Account on a pro rata basis according to
the Account balances as adjusted under the preceding sentence. The Account
balances of affected Participants and Beneficiaries, as adjusted, will be fully
vested and nonforfeitable as of the Plan Termination Date and will be
distributed in a single payment as soon as practicable to each such Participant
or Beneficiary (unless the Participant is employed by another Employer as to
which the Plan has not terminated). Notwithstanding the foregoing, no
distribution will be made under this Section if an Affiliate (determined at the
time of the termination) maintains a "Successor Plan" as that term is defined
under Code Section 401(k)(2)(B)(i)(II) and the final regulations issued under
that section. All provisions of the Plan which are not inconsistent with this
Article will continue in effect, including all the powers and duties of the
Committee, the Company and the Trustee, until a complete distribution of the
Trust fund has been made.

32
<PAGE>

                                   ARTICLE XI
                                   ----------

                       Successors, Mergers and Plan Assets
                       -----------------------------------

     Section 11.1 Successors. In the event of the dissolution, merger,
consolidation or reorganization of an Employer or the sale by an Employer of all
or substantially all of its assets, provision may be made with the consent of
the Company by which the Plan and Trust will be continued by the Employer's
successor; and, in that event, the successor will be substituted for the
Employer under the Plan. Upon the substitution, the successor will assume all
Plan liabilities and will assume all of the powers, duties and responsibilities
of that Employer under the Plan.

     Section 11.2 Plan Mergers, Consolidations and Transfers. The Plan will not,
in whole or in part, be merged or consolidated with or have its assets or
liabilities transferred to any other plan, unless each Participant of this Plan
would be entitled to receive a benefit immediately after the merger,
consolidation or transfer (if the Plan terminated on that date) equal to or
greater than the benefit he would have been entitled to immediately before the
merger, consolidation or transfer (if the Plan terminated on that date).

     Section 11.3 Plan Assets. The Employers will have no right, title or
interest in any portion of the Trust fund, nor may any portion of the Trust fund
be returned to an Employer, directly or indirectly, except:

     (a)  If the Internal Revenue Service determines that the Plan as initially
          adopted by an Employer does not meet the requirements of Code Section
          401(a) and the Company determines that the Plan should not be amended
          to meet the Internal Revenue Service's requirements, a contribution
          made before the Internal Revenue Service's determination, provided
          that (i) the contribution is returned to the Employer within one-year
          of the determination and (ii) the qualification application is made by
          the time prescribed by law for filing the Employer's return for the
          taxable year in which the Plan is adopted or such later date as the
          Secretary of the Treasury may prescribe.

     (b)  A contribution made by a mistake of fact, provided that the
          contribution is returned to the Employer within one year of the
          original contribution date.

     (c)  The portion of a contribution that is disallowed as an expense for
          federal income tax purposes, provided that such amount is returned to
          the Employer within one year of the disallowance.

Any amount returned under subsection (b) or (c) above must first be reduced by
any amount previously distributed from the Trust fund and then by any Trust fund
losses allocable to that amount, and in no event may the return of the
contribution under those subsections cause any Participant's Account balance to
be less than the Account balance he would have been credited with had the
contribution not been made.

33
<PAGE>

                                  ARTICLE XII
                                  -----------

                           Participation By Affiliates
                           ---------------------------

     Section 12.1 Affiliate Participation. Any Affiliate may adopt the Plan and
become an Employer under the Plan and a party to the Trust by filing:

     (a)  A certified copy of a resolution of its Board of Directors to that
          effect with the Company, the Committee and the Trustee; and

     (b)  A written document signed by an officer of the Company which indicates
          the Company's consent to that action with the Committee and the
          Trustee.

     Section 12.2 Company Action Binding on Other Employers. As long as the
Company is an Employer under the Plan, it is empowered to act for any other
Employer in all matters relating to the Plan, the Committee or the Trustee.

34
<PAGE>

                                  SUPPLEMENT A
                                  ------------

                          Claims and Review Procedures
                          ----------------------------

     Section A-1 Procedures Governing the Filing of Benefit Claims. All Benefit
Claims must be filed on the appropriate claim forms available from the Committee
or in accordance with the procedures established by the Committee for claim
purposes. A "Benefit Claim" means a request for a Plan benefit or benefits, made
by a Claimant or by an authorized representative of a Claimant, which complies
with the Plan's procedures for making benefit claims. "Claimant" means a
Participant, a surviving spouse of a Participant, a Beneficiary, or an Alternate
Payee, who is claiming entitlement to the payment of any benefit under the Plan.

     Section A-2 Notification of Benefit Determinations. The Committee will
notify a Claimant, in accordance with Section A-3 below, of the Plan's benefit
determination within a reasonable period of time after receipt of a Benefit
Claim, but not later than 90 days after receipt of the Benefit Claim by the
Plan.

     If special circumstances require an extension of time for processing the
Benefit Claim, the Committee will notify the Claimant of the extension prior to
the termination of the initial period described above. The notice will indicate
the special circumstances requiring the extension of time and the date by which
the Plan expects to make the benefit determination. In no event will the
extension exceed a period of 90 days from the end of the initial period.

     Section A-3 Manner And Content of Notification of Benefit Determinations.
All notices given by the Committee under the Plan will be given to a Claimant,
or to his authorized representative, in a manner that satisfies the standards of
29 CFR 2520.104b-1(b) as appropriate with respect to the particular material
required to be furnished or made available to that individual. The Committee may
provide a Claimant with either a written or an electronic notice of the Plan's
benefit determination. Any electronic notification will comply with the
standards imposed by 29 CFR 2520.104b-1(c)(1)(i), (iii) and (iv). In the case of
an Adverse Benefit Determination, the notice will set forth, in a manner
calculated to be understood by the Claimant:

     (a)  The specific reasons for the adverse determination;

     (b)  Reference to the specific Plan provisions (including any internal
          rules, guidelines, protocols, criteria, etc.) on which the
          determination is based;

     (c)  A description of any additional material or information necessary for
          the Claimant to complete the claim and an explanation of why such
          material or information is necessary; and

     (d)  A description of the Plan's review procedures and the time limits
          applicable to such procedures.

     The term "Adverse Benefit Determination" means a denial, reduction, or
termination of, or a failure to provide or make payment (in whole or in part)
for, any benefit claimed to be payable under the Plan.

A-1
<PAGE>

     Section A-4 Appeal of Adverse Benefit Determinations. A Claimant who
receives an Adverse Benefit Determination and desires a review of that
determination must file, or his authorized representative must file on his
behalf, a written request for a review of the Adverse Benefit Determination, not
later than 60 days after receiving the determination.

     The written request for a review must be filed with the Committee. Upon
receiving the written request for review, the Committee will advise the
Claimant, or his authorized representative, in writing that:

     (a)  The Claimant, or his authorized representative, may submit written
          comments, documents, records, and any other information relating to
          the claim for benefits; and

     (b)  The Claimant will be provided, upon request of the Claimant or his
          authorized representative, reasonable access to, and copies of, all
          documents, records, and other information relevant to the Claimant's
          Benefit Claim, without regard to whether those documents, records, and
          information were considered or relied upon in making the Adverse
          Benefit Determination that is the subject of the appeal.

     Section A-5 Benefit Determination on Review. All appeals by a Claimant of
an Adverse Benefit Determination will receive a full and fair review by an
appropriate named fiduciary of the Plan.

     Section A-6 Notification of Benefit Determination on Review. The Committee
will notify a Claimant, in accordance with Section A-7, of the Plan's benefit
determination on review within a reasonable period of time, but not later than
60 days after the Plan's receipt of the Claimant's request for review of an
Adverse Benefit Determination. If, however, special circumstances require an
extension of time for processing the review by the named fiduciary, the Claimant
will be notified, prior to the termination of the initial 60 day period, of the
special circumstances requiring the extension and the date by which the Plan
expects to render the Plan's benefit determination on review, which will not be
later than 120 days after receipt of a request for review. Provided, however, in
the case of a Plan with a Committee or other group designated as the appropriate
named fiduciary that holds regularly scheduled meetings at least quarterly, the
time limit of this Section will be modified in accordance with 29 CFR
2560.503-1(i)(1)(ii) or 29 CFR 2560.503-1(i)(3)(ii), whichever is applicable.

     Section A-7 Manner and Content of Notification of Benefit Determination on
Review. The Committee will provide a Claimant with notification of its benefit
determination on review in a method described in Section A-3.

     In the case of an Adverse Benefit Determination on review, the notification
must set forth, in a manner calculated to be understood by the Claimant:

     (a)  The specific reasons for the adverse determination on review;

     (b)  Reference to the specific Plan provisions (including any internal
          rules, guidelines, protocols, criteria, etc.) on which the benefit
          determination on review is based;

A-2
<PAGE>

     (c)  A statement that the Claimant is entitled to receive, upon request and
          free of charge, reasonable access to, and copies of, all documents,
          records and other information relevant to the Claimant's Benefit
          Claim, without regard to whether those records were considered or
          relied upon in making the Adverse Benefit Determination on review,
          including any reports, and the identities, of any experts whose advice
          was obtained.

A-3
<PAGE>

                                  SUPPLEMENT B
                                  ------------

         Limitations on Compensation Deferral and Matching Contributions
         ---------------------------------------------------------------

     Section B-1 Purpose. The purpose of this Supplement B is to satisfy the
requirements of Code Sections 401(k), 401(m) and 402(g). Consequently, the
Compensation Deferral, Safe Harbor Matching and Matching Contributions made on
behalf of a Participant will be limited each year in accordance with the
following provisions.

     Section B-2 Annual Dollar Limitation on Compensation Deferral
Contributions. Notwithstanding any other Plan provision:

     (a)  Except to the extent permitted under Code Section 414(v), a
          Participant may not defer more than $15,000 (or the amount determined
          under Code Section 402(g) (the "Annual Dollar Limitation") of his
          Earnings in any one calendar year under Section 3.1 of the Plan (or
          under a comparable provision of any other plan maintained by an
          Affiliate). If a Participant's Compensation Deferrals exceed the
          Annual Dollar Limitation in effect for any calendar year, the excess
          deferrals (plus the Trust fund earnings or minus the Trust fund losses
          attributable to the excess deferrals) will be distributed to the
          Participant by April 15 of the next calendar year.

     (b)  If a Participant's Elective Deferrals (as defined in subsection (c)
          below) exceed the Annual Dollar Limitation (or, if greater, the amount
          determined under Code Section 402(g)(8)) in effect for any calendar
          year, the Participant may notify the Committee in writing of the
          excess and may elect to treat all or a portion of his Compensation
          Deferrals under this Plan, to the extent of the excess, as an excess
          Elective Deferral. If this notice is received by the Committee prior
          to March 1 of the calendar year following the calendar year in which
          the excess Elective Deferrals were made, the Committee may, in its
          sole discretion and without regard to any other provision of the Plan,
          direct the Trustee to distribute the amount designated by the
          Participant as excess Elective Deferrals (plus any Trust fund earnings
          or minus any Trust fund losses attributable to that amount for the
          calendar year in which the excess Elective Deferrals were made) prior
          to April 15 of that same year. The excess Elective Deferrals
          distributed under this subsection (b) will not be treated as a
          contribution for purposes of the limitations under Section 5.9.

     (c)  The term "Elective Deferral" means the sum of any contributions made
          on behalf of a Participant by any entity (including any Compensation
          Deferral Contributions and excluding Catch-Up Contributions made under
          this Plan or any other plan) for a calendar year:

          (i)  Under a qualified cash or deferred arrangement (as defined in
               Code Section 401(k)) to the extent not includible in the
               Participant's gross

B-1
<PAGE>

               income for that calendar year under Code Section 402(e)(3)
               (determined without regard to Code Section 402(g));

          (ii) Under a simplified employee pension plan to the extent not
               includible in the Participant's gross income for that calendar
               year under Code Section 402(h)(1)(B) (determined without regard
               to Code Section 402(g));

          (iii) Applied toward the purchase of an annuity contract under Code
               Section 403(b) pursuant to a salary reduction agreement (within
               the meaning of Code Sections 3121(a)(5)(D) and 402(g)(3) and any
               regulations issued under those sections); or

          (iv) Under a simple retirement account established under Code Section
               408(p)(2)(A)(i).

     Section B-3 Actual Deferral Percentage Test Safe Harbor Provisions. The
Plan is treated as satisfying the Actual Deferral Percentage test under Code
Section 401(k)(3)(A)(ii) and Treasury Regulation Section 1.401(k)-1(b)(2) for
the Plan Year, if the following conditions are met:

     (a)  For the entire Plan Year the Company contributes to the Plan a Safe
          Harbor Matching Contribution which is allocated and credited to the
          Safe Harbor Matching Contribution Accounts of all Participants in the
          amount provided for in Section 5.5;

     (b)  Safe Harbor Matching Contributions contributed on behalf of
          Participants are nonforfeitable within the meaning of Treasury
          Regulation Section 1.401(k)-1(c);

     (c)  Safe Harbor Matching Contributions contributed on behalf of
          Participants are subject to the withdrawal restrictions of Code
          Section 401(k)(2)(B) and Treasury Regulation Section 1.401(k)-1(d);
          and

     (d)  Each Participant for the Plan Year receives a written notice that
          satisfies the following requirements:

          (i)  The notice is sufficiently accurate and comprehensive to inform
               the Participant of the Participant's rights and obligations under
               the Plan;

          (ii) The notice is written in a manner calculated to be understood by
               the average Participant; and

          (iii) At least 30 days (and no more than 90 days) before the beginning
               of each Plan Year (or prior to a Participant's Entry Date, if
               later), the notice is given to Participants for that Plan Year
               specifically stating that the Employer will make a Safe Harbor
               Matching Contribution for the Plan Year.

B-2
<PAGE>

     For purposes of subsection (d), the notice is considered sufficiently
accurate and comprehensive if the notice accurately describes (i) the Safe
Harbor Matching Contribution formula including the fully vested nature of such
contributions, (ii) any other contributions under the Plan (including the
potential for discretionary Matching Contributions) and the conditions under
which such contributions are made, (iii) the type and amount of compensation
that may be deferred under the Plan, (iv) how to elect to make Compensation
Deferral Contributions and Catch-Up Contributions under the Plan, (v) the
periods available under the Plan for making Compensation Deferral Contributions
and Catch-Up Contributions, and (vi) withdrawal and vesting provisions
applicable to all contributions under the Plan. The Plan will satisfy the
content requirement for the notice without providing the information in (ii),
(iii) and (vi) above provided that the notice cross-references relevant portions
of a summary plan description previously or currently provided to the
Participant.

     Section B-4 Contribution Percentage Test Safe Harbor Provisions. The Plan
is treated as satisfying the Contribution Percentage test under Code Section
401(m)(2) and Treasury Regulation Section 1.401(m)-1(b) with respect to Matching
Contributions for the Plan Year if the following conditions are met:

     (a)  The Employer makes a Safe Harbor Matching Contribution to the Plan for
          that Plan Year and meets the notice requirement of Section B-3; and

     (b)  The Employer contributes to the Trustee an amount designated as a
          "Matching Contribution" which (i) does not match Earnings in excess of
          six percent of Earnings, (ii) does not increase as the rate of
          Compensation Deferrals increase, and (iii) at any rate of Compensation
          Deferrals, the rate of Matching Contributions with respect to any
          Highly Compensated Employee is no greater than the rate of Matching
          Contributions that would apply to a non-Highly Compensated Employee
          who is eligible to receive a Matching Contribution and who has the
          same rate of Compensation Deferrals. In addition, discretionary
          Matching Contributions may not exceed four percent of Compensation.

     Section B-5 Highly Compensated Employees. For purposes of this Supplement
B, a "Highly Compensated Employee" means an individual described in Code Section
414(q), which includes an employee who:

     (a)  At any time during the current or the preceding Plan Year, was a five
          percent owner of an Affiliate; or

     (b)  During the preceding Plan Year, received Compensation from the
          Affiliates in excess of $95,000 (as adjusted under Code Section
          414(q)(1)) and was in the top 20 percent of the employees when ranked
          on the basis of compensation paid during such year.

     Section B-6 Aggregation of Plans. For purposes of applying the Annual
Dollar Limitation of Section B-2, all compensation deferrals made under any plan
maintained by an Affiliate will be aggregated with the Compensation Deferral
Contributions made under this Plan. In addition, if any Highly Compensated
Employee is a Participant in any other plan maintained

B-3
<PAGE>

by an Affiliate that permits compensation deferrals, the Highly Compensated
Employee's deferrals to the Plan will be aggregated with the Compensation
Deferrals under this Plan.

B-4
<PAGE>

                                  SUPPLEMENT C
                                  ------------

                              Top-Heavy Provisions
                              --------------------

     Section C-1 Application. The purpose of this Supplement C is to satisfy the
requirements of Code Section 416. Consequently, the provisions of Sections C-6
will apply for each Plan Year the Plan is determined to be a "Top-Heavy Plan"
under Section C-2.

     Section C-2 Top-Heavy Plan. Subject to the provisions of Section C-5, the
Plan will be a Top-Heavy Plan for a Plan Year if on that Plan Year's
Determination Date the sum of the Account balances of Participants who are Key
Employees (as defined in Section C-3) exceeds 60 percent of the sum of the
Account balances of all Participants. For purposes of the preceding sentence,
the "Determination Date" for a Plan Year means the last day of the preceding
Plan Year.

     Section C-3 Key Employees. For purposes of this Supplement C:

     (a)  The term "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 an officer of an Affiliate
          having annual compensation greater than $130,000 (as adjusted under
          Code Section 416(i)(1)), a five-percent owner of an Affiliate, or a
          one-percent owner of an Affiliate having annual compensation of more
          than $150,000. For this purpose, annual compensation means
          compensation within the meaning of Code Section 415(c)(3). The
          determination of who is a Key Employee will be made in accordance with
          Code Section 416(i)(1) and the applicable regulations and other
          guidance of general applicability issued thereunder.

     (b)  The term "Non-Key Employee" means any employee who is not a Key
          Employee.

The terms "Key Employee" and "Non-Key Employee" include the beneficiaries of
such employees, respectively.

     Section C-4 Determination of Account Balances. For purposes of determining
Participants' Account balances as of any Determination Date under Section C-2,
the following rules apply:

     (a)  A Participant's Account balance will be increased by any amounts
          distributed to the Participant or his Beneficiary during the one-year
          period ending on the Determination Date. In the case of a distribution
          made for a reason other than separation from service, death or Total
          and Permanent Disability, this subsection will be applied by
          substituting "five-year period" for "one-year period."

     (b)  Notwithstanding subsection (a) above, the account balance of a
          Participant who has not performed any services for an Affiliate during
          the one-year period ending on the Determination Date will be
          disregarded.

C-1
<PAGE>

     (c)  The account balance of a Non-Key Employee who was a Key Employee with
          respect to any prior Plan Year will be disregarded.

     (d)  A Participant's Account balance will be decreased by any amount rolled
          over into the Plan if the rollover was initiated by the Participant
          and the amount came from a plan other than a plan maintained by an
          Affiliate.

     Section C-5 Aggregation of Plans. The Plan will be a Top-Heavy Plan under
Section C-2 if it is part of a Top-Heavy Group for that Plan Year.

     (a)  Top-Heavy Group. The term "Top-Heavy Group" means each plan maintained
          by an Affiliate in which a Key Employee participates and each other
          plan which enables such a plan to meet the requirements of Code
          Section 401(a)(4) or 410 (either type of plan is referred to below as
          an "Aggregated Plan") where as of a Determination Date the sum of (i)
          and (ii) exceeds 60 percent of a similar sum determined for all
          employees:

          (i)  The total of the account balances of Key Employees under any
               defined contribution plan that constitutes an Aggregated Plan,
               and

          (ii) The present value of the cumulative accrued benefits of Key
               Employees under any defined benefit plan that constitutes an
               Aggregated Plan.

     (b)  Additional Plans. The Company may treat any other plan it or any other
          Affiliate maintains as an Aggregated Plan under subsection (a) above,
          provided that the Aggregated Plans would in combination with that plan
          or plans continue to meet the requirements of Code Sections 401(a)(4)
          and 410. If the Aggregated Plans which include this Plan do not
          comprise a Top-Heavy Group, this Plan will not be a Top-Heavy Plan
          under Section C-2.

     (c)  Other Rules. The rules of Section C-4 will apply to determine the
          account balances of employees under this Section (and the term
          "accrued benefit" will be substituted for the term "Account balance"
          to determine benefits under a defined benefit plan). Any plan
          (including a terminated plan) that was maintained by an Affiliate
          within the one-year period ending on the Determination Date will be
          treated as an Aggregated Plan if it is otherwise described in
          subsection (a) above.

     Section C-6 Minimum Benefit. For any Plan Year in which the Plan is
determined to be a Top-Heavy Plan, the contribution allocated under Sections
4.2, 4.3 and 4.4 to the Account of any Participant who is a Non-Key Employee may
not be less than an amount equal to three percent (or, if lesser, the highest
contribution rate of any Key Employee for that year) of the Participant's
Compensation. For purposes of determining a Key Employee's contribution rate
under the preceding sentence, Compensation Deferral Contributions made by that
individual will be counted. A Participant will be entitled to receive an
allocation under this Section if he is employed by an Employer on the last day
of the Plan Year regardless of the number of Hours of Service he accrued in that
year. If the Company or an Affiliate maintains a defined benefit plan that is
part of a Top-Heavy Group for any Plan Year under Section C-5, any Non-Key
Employee who participates under both this Plan and the defined benefit plan will
be entitled to a minimum

C-2
<PAGE>

benefit equal to five percent of his Compensation. Notwithstanding the
foregoing, if the Company or an Affiliate maintains any other plan, the minimum
benefit required under this Section will be adjusted in accordance with
regulations issued under Code Section 416(f) to prevent an inappropriate
duplication or omission of required minimum benefits or contributions. In this
regard, if the other plan is a defined contribution pension plan, the minimum
benefit will be provided under that plan.

C-3
<PAGE>

                                  SUPPLEMENT D
                                  ------------

                                      Loans
                                      -----

     Section D-1 Purpose. The purpose of this Supplement D is to set forth the
rules and procedures for a Participant to request and the Committee to grant a
loan under Section 6.11 of the Plan.

     Section D-2 Loan Policy. The Committee will establish a nondiscriminatory
policy which the Committee or a member thereof must observe in making loans to
Participants; such policy will be in a written document and will include:

     (a)  The identity of the person(s) authorized to administer the Participant
          Loan Program;

     (b)  A procedure for applying for a loan;

     (c)  The criteria for approving or denying a loan;

     (d)  The limitations, if any, on the types and amounts of loans available;

     (e)  The procedure for determining a reasonable rate of interest;

     (f)  The types of collateral which may secure the loan; and

     (g)  The events constituting default and the steps the Plan will take to
          preserve Plan assets in the event of default.

     Section D-3 Limitation on Loans to Compensation Deferral Contribution and
Rollover Accounts. Loans will be made available solely from the Participant's
Compensation Deferral Contribution, Catch-Up Contributions and Rollover
Accounts.

     Section D-4 Minimum Loan Requirements. All loans will be made on a
nondiscriminatory basis to Participants in accordance with the loan policy,
provided that each loan must:

     (a)  Be secured by the Participant's Account and bear a reasonable rate of
          interest;

     (b)  Be repaid in substantially equal quarterly, monthly, semi-monthly or
          bi-weekly installments over a period specified in a promissory note
          not to exceed five years (except that a loan used by the Participant
          to purchase or construct his principal residence may be repaid over a
          period not to exceed 20 years);

     (c)  Contain provisions in the note which prohibit the offset of the
          Participant's Account prior to the time the Committee would otherwise
          direct the Trustee to distribute the Participant's vested Account;

D-1
<PAGE>

     (d)  Not exceed (at the time the Plan extends the loan) the lesser of 50%
          of the present value of the Participant's Compensation Deferral
          Contribution, Catch-Up Contribution and Rollover Accounts; or $50,000
          (reduced by the excess of (i) the Participant's highest outstanding
          loan balance during the 12-month period immediately preceding the date
          of the new loan, over (ii) the outstanding balance of loans from the
          Plan to the Participant on the date the new loan is made); and

     (e)  Otherwise conform to the exemption provided by Code Section
          4975(d)(1).

     Section D-5 Limitation on Loans. Notwithstanding any other provision of
this Supplement D or of the loan policy adopted under Section D-2, the minimum
amount of any loan made hereunder will be $1,000 and no loan will be made to a
Participant while there is outstanding any other loan to such Participant under
the Plan. Provided, further, no loan will be made for any purpose other than the
following:

     (a)  To purchase or construct (excluding mortgage payments) a principal
          residence for the Participant;

     (b)  To pay medical expenses described in Code Section 213(d) incurred by
          or to be incurred by the Participant, the Participant's spouse or any
          dependents (as defined in Code Section 152 and effective January 1,
          2005, as modified by Code Section 105(b)) of the Participant;

     (c)  To pay tuition, related educational fees and room and board expenses
          for up to the next 12 months of post-secondary education for the
          Participant, the Participant's spouse, the Participant's children or
          the Participant's dependents (as defined in Code Section 152 and,
          effective January 1, 2005, without regard to Code Section 152(b)(1),
          (b)(2) and (d)(1)(B));

     (d)  To prevent eviction or foreclosure proceedings against the Participant
          in connection with his principal residence or the mortgage on that
          residence;

     (e)  To pay the burial or funeral expenses for the Participant's parent,
          spouse, child or dependent; or

     (f)  To pay expenses for the repair of damages to the Participant's
          principal residence that would qualify as a casualty deduction,
          without regard to the extent of the loss.

     Section D-6 Default. In the event the Participant fails to make a loan
payment when due, the unpaid balance of the loan (including any accrued
interest) will become due and payable immediately without demand or notice. The
Company in its sole discretion and at its option may then demand payment of the
balance due under the preceding sentence. The Participant will also be required
to pay any reasonable costs incurred by the Committee to collect any amount due
and payable under this Section D-6. Neither a delay or omission by the Committee
to exercise any right or remedy nor a single or partial exercise of a right or
remedy will operate as a waiver of that right or remedy or will preclude the
further exercise of that or any other right or remedy.

D-2
<PAGE>

     Section D-7 Other Requirements and Procedures. The application and grant of
any loan will be subject to the rules established by the Committee and
communicated to Participants in writing to administer the loan program of this
Supplement D, subject to the following:

     (a)  A loan to a Participant will be made from that Participant's Account
          and will be treated as an investment of that account. Consequently,
          the loan balance will be treated as if it were a separate Trust fund
          under Section 5.3, with the interest payments treated as earnings to
          be credited to the Participant's Account under subsection 5.3.

     (b)  If any portion of a loan (including any accrued interest) is unpaid at
          the time the Participant or his Beneficiary is to receive a
          distribution under Section 6.5, the Participant's Account balance will
          be reduced prior to the distribution by the lesser of (i) the
          outstanding loan balance (including any accrued but unpaid interest)
          or (ii) amount of the distribution to be made.

D-3
<PAGE>

                                  SUPPLEMENT E
                                  ------------

                        Minimum Distribution Requirements
                        ---------------------------------

     Section E-1 General Rules. The provisions of this Supplement will apply for
purposes of determining required minimum distributions and will take precedence
over any inconsistent provisions of the Plan. All distributions required under
this Supplement will be determined and made in accordance with the Treasury
regulations under Code Section 401(a)(9).

     Section E-2 Time and Manner of Distribution

     (a)  The Participant's entire Account will be distributed to the
          Participant no later than the Participant's required beginning date as
          specified in Section 6.5(d).

     (b)  If the Participant dies before distribution is made, the Participant's
          entire Account will be distributed no later than as follows:

          (i)  If the Participant's Surviving Spouse is the Participant's sole
               designated Beneficiary (that is the individual who is designated
               as the Beneficiary under Section 6.9 and is the designated
               Beneficiary under Code Section 401(a)(9) and the regulations
               thereunder), 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 designated Beneficiary, distributions to the designated
               Beneficiary will begin by December 31 of the calendar year
               immediately following the calendar year in which the Participant
               died.

          (iii) For purposes of calculating the minimum distribution on the
               death of a Participant for purposes of this Supplement, whether
               the Participant has a designated Beneficiary will be determined
               as of September 30 of the year following the year of the
               Participant's death. If a designated Beneficiary disclaims his
               Plan benefit or has received his entire Plan benefit prior to
               such September 30, he will not be considered a designated
               Beneficiary as of such date. 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 Account 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
               designated Beneficiary and the Surviving Spouse dies after the
               Participant but before distributions to the Surviving Spouse
               begin,

E-1
<PAGE>

               this subsection (b), other than subsection (b)(i), will apply as
               if the Surviving Spouse were the Participant.

     For purposes of this subsection (b), unless subsection (b)(iv) applies,
distributions are considered to begin on the Participant's required beginning
date. If subsection (b)(iv) applies, distributions are considered to begin on
the date distributions are required to begin to the Surviving Spouse under
subsection (b)(i).

E-2EX 4.1

                                                                  EXECUTION COPY

NEITHER THE SECURITIES  REPRESENTED HEREBY NOR THE SECURITIES  ISSUABLE UPON THE
EXERCISE  HEREOF  HAVE BEEN  REGISTERED  UNDER THE  SECURITIES  ACT OF 1933,  AS
AMENDED (THE  "SECURITIES  ACT"),  OR ANY STATE  SECURITIES  LAWS AND MAY NOT BE
OFFERED,  SOLD,  PLEDGED,  ASSIGNED,  OR  OTHERWISE  TRANSFERRED  UNLESS  (1)  A
REGISTRATION  STATEMENT WITH RESPECT  THERETO IS EFFECTIVE  UNDER THE SECURITIES
ACT AND ANY APPLICABLE  STATE  SECURITIES  LAWS, OR (2) THE COMPANY  RECEIVES AN
OPINION  OF COUNSEL TO THE  HOLDER OF THIS  WARRANT  OR SUCH  SECURITIES,  WHICH
COUNSEL  AND OPINION  ARE  REASONABLY  SATISFACTORY  TO THE  COMPANY,  THAT THIS
WARRANT OR SUCH  SECURITIES,  AS  APPLICABLE,  MAY BE  OFFERED,  SOLD,  PLEDGED,
ASSIGNED,  OR  OTHERWISE  TRANSFERRED  IN THE  MANNER  CONTEMPLATED  WITHOUT  AN
EFFECTIVE  REGISTRATION  STATEMENT UNDER THE SECURITIES ACT OR APPLICABLE  STATE
SECURITIES LAWS.

         THE TRANSFER OF THIS WARRANT IS RESTRICTED AS DESCRIBED HEREIN.

                                SHEERVISION, INC.

                            WARRANTS FOR THE PURCHASE
                                       OF
               SHARES OF COMMON STOCK, PAR VALUE $0.001 PER SHARE

NO.

         THIS CERTIFIES that, for consideration,  the receipt and sufficiency of
which are hereby  acknowledged,  and other value  received,  PATRICIA HALL. (the
"HOLDER") is entitled to subscribe for, and purchase from, SHEERVISION,  INC., a
California corporation (the "COMPANY"),  upon the terms and conditions set forth
herein,  at any time or from time to time after the  Initial  Exercise  Date (as
herein  after  defined)  until  5:00 P.M.  New York City local time on the fifth
anniversary  of the Initial  Exercise  Date (the  "EXERCISE  PERIOD"),  up to an
aggregate  of 50,000  shares of common  stock,  par value  $0.001 per share (the
"COMMON STOCK"), of the Company.  This Warrant is initially exercisable at $2.70
per share;  provided,  however,  that upon the  occurrence  of any of the events
specified in Section 5 hereof, the rights granted by this Warrant, including the
exercise price and the number of shares of Common Stock to be received upon such
exercise,  shall be adjusted as therein  specified.  The term  "EXERCISE  PRICE"
shall mean,  depending on the context,  the initial exercise price (as set forth
above) or the adjusted exercise price per share.

         As used  herein,  the term "THIS  WARRANT"  shall mean and include this
Warrant and any Warrant or Warrants  hereafter  issued as a  consequence  of the
exercise or transfer of this  Warrant in whole or in part.  Each share of Common
Stock issuable upon the exercise  hereof shall be  hereinafter  referred to as a
"WARRANT SHARE".

         1. This Warrant may be exercised during the Exercise Period,  either in
whole or in part, by the surrender of this Warrant (with the election at the end
hereof duly  executed) to the Company

<PAGE>

at its office at 4040 Palos Verdes  North,  Suite 105,  Rolling  Hills  Estates,
California  90274,  or at such other  place as is  designated  in writing by the
Company,  together with a certified or bank cashier's check payable to the order
of the Company in an amount equal to the product of the  Exercise  Price and the
number of Shares for which this Warrant is being exercised.

         2. Upon each  exercise  of the  Holder's  rights  to  purchase  Warrant
Shares,  the Holder  shall be deemed to be the  holder of record of the  Shares,
notwithstanding  that the transfer  books of the Company shall then be closed or
certificates  representing the Warrant Shares with respect to which this Warrant
was exercised shall not then have been actually delivered to the Holder. As soon
as practicable after each such exercise of this Warrant, the Company shall issue
and deliver to the Holder a certificate or certificates representing the Warrant
Shares issuable upon such exercise,  registered in the name of the Holder or its
designee.  If this Warrant  should be exercised in part only, the Company shall,
upon surrender of this Warrant for  cancellation,  execute and deliver a Warrant
evidencing  the right of the Holder to  purchase  the  balance of the  aggregate
number of Warrant Shares purchasable  hereunder as to which this Warrant has not
been exercised or assigned.

         3. Any  Warrants  issued upon the  transfer or exercise in part of this
Warrant  shall be numbered and shall be  registered  in a warrant  register (the
"WARRANT  REGISTER") as they are issued.  The Company shall be entitled to treat
the  registered  holder of any Warrant on the  Warrant  Register as the owner in
fact thereof for all purposes, and shall not be bound to recognize any equitable
or other claim to, or interest in, such Warrant on the part of any other person,
and shall not be liable for any  registration  of transfer of Warrants which are
registered  or to be  registered  in the name of a fiduciary or the nominee of a
fiduciary  unless made with the actual  knowledge that a fiduciary or nominee is
committing a breach of trust in requesting  such  registration  or transfer,  or
with the knowledge of such facts that its  participation  therein amounts to bad
faith.  This Warrant shall be transferable on the books of the Company only upon
delivery thereof duly endorsed by the Holder or by his duly authorized  attorney
or representative, or accompanied by proper evidence of succession,  assignment,
or  authority to  transfer.  In all cases of transfer by an attorney,  executor,
administrator,  guardian,  or other  legal  representative,  duly  authenticated
evidence of his, her, or its authority shall be produced.  Upon any registration
of transfer,  the Company  shall deliver a new Warrant or Warrants to the person
entitled  thereto.  This Warrant may be  exchanged,  at the option of the Holder
thereof, for another Warrant, or other Warrants of different  denominations,  of
like tenor and representing in the aggregate the right to purchase a like number
of Warrant  Shares (or portions  thereof),  upon surrender to the Company or its
duly authorized agent.  Notwithstanding the foregoing, the Company shall have no
obligation to cause Warrants to be transferred on its books to any person if, in
the opinion of counsel to the Company,  such  transfer  does not comply with the
provisions of the Securities Act of 1933, as amended (the "SECURITIES ACT"), and
the rules and regulations thereunder.

         4. The Company shall at all times reserve and keep available out of its
authorized  and unissued  Common Stock,  solely for the purpose of providing for
the  exercise of the  Warrants,  such number of shares of Common Stock as shall,
from time to time,  be  sufficient  therefor.  The  Company  covenants  that all
Warrant  Shares  which may be issued upon the  exercise of the  purchase  rights
represented  by  this  Warrant  will,  upon  exercise  of  the  purchase  rights
represented by this Warrant, be duly authorized,  validly issued, fully paid and

                                      -2-
<PAGE>

nonassessable and free from all taxes, liens and charges in respect of the issue
thereof (other than taxes in respect of any transfer occurring contemporaneously
with such issue),  without any  personal  liability  attaching to the  ownership
thereof and will not be issued in violation of any  preemptive or similar rights
of stockholders. The Company further covenants that its issuance of this Warrant
shall constitute full authority to its officers who are charged with the duty of
executing stock certificates to execute and issue the necessary certificates for
the Warrant Shares upon the exercise of the purchase  rights under this Warrant.
The Company will take all such  reasonable  action as may be necessary to assure
that such Warrant Shares may be issued as provided  herein without  violation of
any applicable law or regulation,  or of any  requirements of the trading market
upon which the Common Stock may be listed.

         5. (a) (i) The  Exercise  Price for the Warrants in effect from time to
time,  and the number of shares of Common Stock  issuable  upon  exercise of the
Warrants,  shall be subject to  adjustment,  as  follows:  in the event that the
Company  shall at any time after the date  hereof (A)  declare a dividend on the
outstanding  Common Stock payable in shares of its capital stock,  (B) subdivide
the outstanding  Common Stock,  (C) combine the outstanding  Common Stock into a
smaller  number  of  shares,  or (D) issue any  shares of its  capital  stock by
reclassification  of the Common Stock  (including any such  reclassification  in
connection with a consolidation or merger in which the Company is the continuing
corporation), then, in each case, the Exercise Price per Warrant Share in effect
at the time of the record date for the determination of stockholders entitled to
receive  such  dividend  or  distribution  or of  the  effective  date  of  such
subdivision, combination, or reclassification shall be adjusted so that it shall
equal the price determined by multiplying such Exercise Price by a fraction, the
numerator  of which  shall be the number of shares of Common  Stock  outstanding
immediately  prior to such  action,  and the  denominator  of which shall be the
number of shares of Common Stock outstanding after giving effect to such action.
Such adjustment shall be made successively whenever any event listed above shall
occur and shall become effective at the close of business on such record date or
at the close of business on the date immediately  preceding such effective date,
as applicable.

                  (ii)  (A) If at any  time or  from  time  to  time  after  the
original  issuance  date of this  Warrant,  the Company  issues or sells,  or is
deemed by the express  provisions of this subsection (i) to have issued or sold,
Additional  Shares of Common  Stock (as defined in  subsection  (ii)(D)  below),
other than as a result of, or in  connection  with,  any  action  referenced  in
Section  5(a)(i)  hereof,  for an  Effective  Price (as  defined  in  subsection
(a)(ii)(D) below) less than the then effective Exercise Price, then in each such
case the then  existing  Exercise  Price shall be reduced,  as of the opening of
business on the date of such issue or sale, to a price determined by multiplying
the then effective Exercise Price by a fraction (i) the numerator of which shall
be (A) the  number of shares of Common  Stock  deemed  outstanding  (as  defined
below) immediately prior to such issue or sale, plus (B) the number of shares of
Common  Stock  which  the  aggregate   consideration  received  (as  defined  in
subsection  (a)(ii)(B)) by the Company for the total number of Additional Shares
of Common Stock so issued  would  purchase at such  Exercise  Price and (ii) the
denominator  of which  shall be the  number of shares  of  Common  Stock  deemed
outstanding (as defined below)  immediately prior to such issue or sale plus the
total number of Additional Shares of Common Stock so issued. For the purposes of
the  preceding  sentence,  the  number of shares  of Common

                                      -3-
<PAGE>

Stock deemed to be  outstanding as of a given date shall the number of shares of
Common Stock actually  outstanding  No adjustment  shall be made to the Exercise
Price in an  amount  less  than one cent per  share.  Any  adjustment  otherwise
required by this Section  5(a)(ii)(A) that is not required to be made due to the
preceding  sentence  shall  be  included  in any  subsequent  adjustment  to the
Exercise Price.

                  (B) For the purpose of making any  adjustment  required  under
this  Section  5(a)(ii)(B),  the  consideration  received by the Company for any
issue or sale of  securities  shall (1) to the extent it  consists  of cash,  be
computed at the net amount of cash  received by the Company  after  deduction of
any  underwriting or similar  commissions,  compensation or concessions  paid or
allowed  by the  Company  in  connection  with  such  issue or sale but  without
deduction of any expenses payable by the Company,  (2) to the extent it consists
of property  other than cash,  be computed at the fair value of that property as
determined in good faith by the Board of Directors, and (3) if Additional Shares
of Common Stock, Convertible Securities (as defined in subsection (a)(ii)(E)(3))
or rights or options to purchase  either  Additional  Shares of Common  Stock or
Convertible  Securities  are  issued  or  sold  together  with  other  stock  or
securities or other assets of the Company for a consideration which covers both,
be  computed  as the  portion  of the  consideration  so  received  that  may be
reasonably determined in good faith by the Board of Directors to be allocable to
such  Additional  Shares of Common  Stock,  Convertible  Securities or rights or
options.

                  (C) For the  purpose  of the  adjustment  required  under this
Section  5(a)(ii),  if the Company issues or sells (i) stock or other securities
convertible  into,  Additional Shares of Common Stock (such convertible stock or
securities being herein referred to as "CONVERTIBLE  SECURITIES") or (ii) rights
or options for the purchase of Additional  Shares of Common Stock or Convertible
Securities and if the Effective Price of such Additional  Shares of Common Stock
is less than the  Exercise  Price the Company  shall be deemed to have issued at
the time of the issuance of such rights or options or Convertible Securities the
maximum  number of Additional  Shares of Common Stock  issuable upon exercise or
conversion  thereof and to have  received as  consideration  for the issuance of
such shares an amount  equal to the total amount of the  consideration,  if any,
received  by the  Company  for  the  issuance  of  such  rights  or  options  or
Convertible Securities, plus, in the case of such rights or options, the minimum
amounts of  consideration,  if any,  payable to the Company upon the exercise of
such rights or options, plus, in the case of Convertible Securities, the minimum
amounts  of  consideration,  if  any,  payable  to the  Company  (other  than by
cancellation  of  liabilities  or  obligations  evidenced  by  such  Convertible
Securities)  upon  the  conversion  thereof;  PROVIDED  that  if in the  case of
Convertible  Securities  the  minimum  amounts of such  consideration  cannot be
ascertained,  but are a function of antidilution or similar protective  clauses,
the  Company  shall  be  deemed  to  have   received  the  minimum   amounts  of
consideration  without  reference to such clauses;  PROVIDED FURTHER that if the
minimum  amount of  consideration  payable to the Company  upon the  exercise or
conversion of rights,  options or Convertible Securities is reduced over time or
on the occurrence or  non-occurrence of specified events other than by reason of
antidilution  adjustments,  the Effective Price shall be recalculated  using the
figure to which  such  minimum  amount of  consideration  is  reduced;  PROVIDED
FURTHER that if the minimum amount of consideration  payable to the Company upon
the exercise or

                                      -4-
<PAGE>

conversion of such rights,  options or  Convertible  Securities is  subsequently
increased,  the Effective Price shall be again  recalculated using the increased
minimum  amount of  consideration  payable to the Company  upon the  exercise or
conversion  of such  rights,  options  or  Convertible  Securities.  No  further
adjustment  of the  Conversion  Exercise,  as adjusted upon the issuance of such
rights,  options  or  Convertible  Securities,  shall be made as a result of the
actual issuance of Additional Shares of Common Stock on the exercise of any such
rights or options or the conversion of any such Convertible  Securities.  If any
such  rights or  options or the  conversion  privilege  represented  by any such
Convertible Securities shall expire without having been exercised,  the Exercise
Price as adjusted  upon the  issuance  of such  rights,  options or  Convertible
Securities  shall be readjusted  to the Exercise  Price which would have been in
effect had an adjustment been made on the basis that the only Additional  Shares
of Common Stock so issued were the  Additional  Shares of Common Stock,  if any,
actually  issued or sold on the  exercise of such rights or options or rights of
conversion of such Convertible Securities,  and such Additional Shares of Common
Stock, if any, were issued or sold for the  consideration  actually  received by
the  Company  upon  such  exercise,  plus the  consideration,  if any,  actually
received by the Company for the granting of all such rights or options,  whether
or not  exercised,  plus the  consideration  received for issuing or selling the
Convertible  Securities  actually  converted,  plus the  consideration,  if any,
actually  received by the Company (other than by  cancellation of liabilities or
obligations evidenced by such Convertible  Securities) on the conversion of such
Convertible Securities, PROVIDED that such readjustment shall not apply to prior
conversions of Notes or Warrants.

                  (D) "ADDITIONAL  SHARES OF COMMON STOCK" shall mean all shares
of Common  Stock  issued by the Company or deemed to be issued  pursuant to this
Section  5(a)(ii),  other than (1) shares of Common Stock issued upon conversion
of the Notes or the Warrants,  (2) shares of Common Stock issued as a result of,
or in connection with, any action referenced in Section 5(a)(i) hereof,  and (3)
issuances of equity  securities to employees or  consultants,  of the Company in
one or more  transaction(s)  approved  by Board of  Directors  or in  mergers or
acquisitions  approved by the Board of Directors.  References to Common Stock in
the  subsections  of this clause (D) above shall mean all shares of Common Stock
issued by the Company or deemed to be issued pursuant to this Section  5(a)(ii).
The  "EFFECTIVE  PRICE" of  Additional  Shares of Common  Stock  shall  mean the
quotient  determined by dividing the total number of Additional Shares of Common
Stock issued or sold, or deemed to have been issued or sold by the Company under
this Section 5(a)(ii),  into the aggregate  consideration received, or deemed to
have been received by the Company for such issue under this Section 5(a)(ii)(D),
for such Additional Shares of Common Stock.

                  (E) Further,  in the event of any such adjustment,  the number
of Warrant Shares shall be adjusted to equal the quotient of (1) divided by (2),
where (1) equals  the  product of number of  Warrant  Shares  issuable  upon the
exercise of this Warrant immediately prior to such adjustment  multiplied by the
Exercise Price per Warrant Share immediately prior to such adjustment, and where
(2) equals the Exercise Price immediately following such adjustment.

         (b) As used herein,  the Current Market Price per share of Common Stock
on any date shall be deemed to be the  average of the daily  closing  prices for
the 30 consecutive trading days immediately preceding the date in question.  The
closing  price for each day shall be the last  reported  sales price regular way
or, in case no such reported sale takes place on such day, the closing bid price
regular  way,  in either  case on the  principal  national  securities  exchange

                                      -5-
<PAGE>

(including, for purposes hereof, the Nasdaq National Market) on which the Common
Stock is listed or admitted to trading or, if the Common  Stock is not listed or
admitted to trading on any national  securities  exchange,  the highest reported
bid price for the Common  Stock as  furnished  by the  National  Association  of
Securities  Dealers,  Inc.  through  the  Nasdaq  SmallCap  Market  or a similar
organization  if  the  Nasdaq  SmallCap  Market  is  no  longer  reporting  such
information. If, on any such date, the Common Stock is not listed or admitted to
trading  on any  national  securities  exchange  and is not quoted on the Nasdaq
SmallCap Market or any similar  organization,  the Current Market Price shall be
deemed  to be the fair  value  of a share  of  Common  Stock  on such  date,  as
determined  in good  faith by the  Board of  Directors  of the  Company,  absent
manifest error.

         (c) All calculations  under this Section 5 shall be made to the nearest
cent or to the nearest one-hundredth of a share, as the case may be.

         (d) In any  case  in  which  this  Section  5  shall  require  that  an
adjustment in the number of Warrant Shares be made effective as of a record date
for a specified event,  the Company may elect to defer,  until the occurrence of
such event,  issuing to the Holder,  if the Holder  exercised this Warrant after
such record date, the Warrant Shares,  if any,  issuable upon such exercise over
and above the number of Warrant Shares  issuable upon such exercise on the basis
of the number of shares of Common Stock  outstanding  or in effect prior to such
adjustment;  provided,  however,  that the Company shall deliver to the Holder a
due  bill or other  appropriate  instrument  evidencing  the  Holder's  right to
receive such additional  shares of Common Stock upon the occurrence of the event
requiring such adjustment.

         (e) Whenever  there shall be an  adjustment as provided in this Section
5, the Company shall within 15 days  thereafter  cause written notice thereof to
be sent by registered or certified mail, postage prepaid,  to the Holder, at its
address  as it shall  appear in the  Warrant  Register,  which  notice  shall be
accompanied  by an  officer's  certificate  setting  forth the number of Warrant
Shares issuable and the Exercise Price thereof after such adjustment and setting
forth  a  brief  statement  of the  facts  requiring  such  adjustment  and  the
computation thereof, which officer's certificate shall be conclusive evidence of
the correctness of any such adjustment absent manifest error.

         (f) The Company  shall not be required to issue  fractions of shares of
Common  Stock or other  capital  stock of the Company  upon the exercise of this
Warrant.  If any  fraction of a share of capital  stock would be issuable on the
exercise of this Warrant (or  specified  portions  thereof),  the Company  shall
purchase  such  fraction for an amount in cash equal to the same fraction of the
Current  Market  Price of such share of Common  Stock on the date of exercise of
this Warrant.

         (g) No  adjustment  in the  Exercise  Price per Warrant  Share shall be
required if such  adjustment  is less than $.005;  provided,  however,  that any
adjustments  which by reason of this Section 5 are not required to be made shall
be carried forward and taken into account in any subsequent adjustment.

                                      -6-
<PAGE>

         6. (a) In case of any capital  reorganization,  other than in the cases
referred  to in  Section  5(a)  hereof,  or the  consolidation  or merger of the
Company with or into another  corporation  (other than a merger or consolidation
in which the Company is the continuing  corporation and which does not result in
any reclassification of the outstanding shares of Common Stock or the conversion
of such  outstanding  shares of Common Stock into shares of other stock or other
securities or  property),  or in the case of any sale,  lease,  or conveyance to
another  corporation  of the property and assets of any nature of the Company as
an entirety or  substantially  as an entirety  (such actions  being  hereinafter
collectively  referred  to as  "REORGANIZATIONS"),  there  shall  thereafter  be
deliverable  upon  exercise  of this  Warrant  (in lieu of the number of Warrant
Shares  theretofore  deliverable)  the  number  of  shares  of  stock  or  other
securities  or  property to which a holder of the  respective  number of Warrant
Shares which would  otherwise  have been  deliverable  upon the exercise of this
Warrant would have been entitled  upon such  Reorganization  if this Warrant had
been exercised in full immediately prior to such Reorganization.  In case of any
Reorganization, appropriate adjustment, as determined in good faith by the Board
of Directors of the Company,  shall be made in the application of the provisions
herein set forth with respect to the rights and  interests of the Holder so that
the  provisions set forth herein shall  thereafter be  applicable,  as nearly as
possible,  in relation to any shares or other  property  thereafter  deliverable
upon exercise of this  Warrant.  Any such  adjustment  shall be made by, and set
forth  in, a  supplemental  agreement  between  the  Company,  or any  successor
thereto,  and the  Holder,  with  respect  to this  Warrant,  and  shall for all
purposes  hereof  conclusively  be deemed to be an appropriate  adjustment.  The
Company shall not effect any such  Reorganization  unless,  upon or prior to the
consummation thereof, the successor corporation, or, if the Company shall be the
surviving  corporation in any such  Reorganization  and is not the issuer of the
shares of stock or other  securities  or property to be  delivered to holders of
shares of the Common Stock outstanding at the effective time thereof,  then such
issuer,  shall assume by written  instrument  the  obligation  to deliver to the
Holder such shares of stock, securities,  cash, or other property as such holder
shall be entitled to purchase in accordance  with the foregoing  provisions.  In
the  event  of  sale,   lease,  or  conveyance  or  other  transfer  of  all  or
substantially all of the assets of the Company as part of a plan for liquidation
of the  Company,  all rights to exercise  this Warrant  shall  terminate 30 days
after the Company gives written notice to the Holder and each registered  holder
of  a  Warrant  that  such  sale  or  conveyance  or  other  transfer  has  been
consummated.

         (b) In case of any  reclassification  or change of the shares of Common
Stock  issuable upon exercise of this Warrant  (other than a change in par value
or from a specified  par value to no par value,  or as a result of a subdivision
or combination,  but including any change in the shares into two or more classes
or series  of  shares),  or in case of any  consolidation  or merger of  another
corporation into the Company in which the Company is the continuing  corporation
and in which there is a  reclassification  or change  (including a change to the
right to receive  cash or other  property)  of the shares of Common Stock (other
than a change in par value, or from no par value to a specified par value, or as
a result of a subdivision or combination, but including any change in the shares
into two or more  classes  or series of  shares),  the Holder or holders of this
Warrant shall have the right thereafter to receive upon exercise of this Warrant
solely  the kind and amount of shares of stock and other  securities,  property,
cash, or any combination thereof receivable upon such reclassification,  change,
consolidation,  or merger by a holder of the number of Warrant  Shares for which
this   Warrant   might   have   been   exercised   immediately   prior  to  such
reclassification, change,

                                      -7-
<PAGE>

consolidation,  or merger.  Thereafter,  appropriate provision shall be made for
adjustments   which  shall  be  as  nearly  equivalent  as  practicable  to  the
adjustments in Section 5.

         (c) The above  provisions  of this Section 6 shall  similarly  apply to
successive  reclassifications  and  changes  of shares  of  Common  Stock and to
successive consolidations, mergers, sales, leases, or conveyances.

         7. In case at any time the Company shall propose:

         (a) to pay any  dividend or make any  distribution  on shares of Common
Stock in shares  of Common  Stock or make any  other  distribution  (other  than
regularly  scheduled cash dividends  which are not in a greater amount per share
than the most recent such cash dividend) to all holders of Common Stock; or

         (b) to issue any rights,  warrants,  or other securities to all holders
of Common Stock entitling them to purchase any additional shares of Common Stock
or any other rights, warrants, or other securities; or

         (c) to effect any  reclassification  or change of outstanding shares of
Common  Stock or any  consolidation,  merger,  sale,  lease,  or  conveyance  of
property, as described in Section 6; or

         (d) to  effect  any  liquidation,  dissolution,  or  winding-up  of the
Company; or

         (e) to take any other  action  which would cause an  adjustment  to the
Exercise Price per Warrant Share;

then,  and in any one or more of such  cases,  the  Company  shall give  written
notice thereof by registered or certified mail,  postage prepaid,  to the Holder
at the Holder's  address as it shall appear in the Warrant  Register,  mailed at
least 15 days prior to (i) the date as of which the  holders of record of shares
of Common  Stock to be  entitled  to receive  any such  dividend,  distribution,
rights,  warrants,  or other  securities are to be determined,  (ii) the date on
which any such  reclassification,  change of outstanding shares of Common Stock,
consolidation,   merger,  sale,  lease,  conveyance  of  property,  liquidation,
dissolution,  or winding-up  is expected to become  effective and the date as of
which it is expected  that  holders of record of shares of Common Stock shall be
entitled to exchange  their shares for  securities  or other  property,  if any,
deliverable   upon  such   reclassification,   change  of  outstanding   shares,
consolidation,   merger,  sale,  lease,  conveyance  of  property,  liquidation,
dissolution, or winding-up, or (iii) the date of such action which would require
an adjustment to the Exercise Price per Warrant Share.

         8. The issuance of any shares or other  securities upon the exercise of
this Warrant and the delivery of certificates or other instruments  representing
such shares or other  securities  shall be made without charge to the Holder for
any tax or other  charge in respect of such  issuance.  The  Company  shall not,
however,  be  required  to pay any tax which may be  payable  in  respect of any
transfer  involved in the issue and delivery of any  certificate in a name other
than that of the  Holder,  and the  Company  shall not be  required  to issue or
deliver any such certificate  unless and until the

                                      -8-
<PAGE>

person or persons  requesting  the issue  thereof shall have paid to the Company
the  amount of such tax or shall have  established  to the  satisfaction  of the
Company that such tax has been paid.

         9.  Unless  registered,  the Warrant  Shares  issued on exercise of the
Warrants  shall be  subject  to a stop  transfer  order and the  certificate  or
certificates representing the Warrant Shares shall bear the following legend:

         THE SECURITIES  REPRESENTED  HEREBY HAVE NOT BEEN REGISTERED  UNDER THE
         SECURITIES ACT OF 1933, AS AMENDED (THE "SECURITIES ACT"), OR ANY STATE
         SECURITIES LAWS AND MAY NOT BE OFFERED,  SOLD,  PLEDGED,  ASSIGNED,  OR
         OTHERWISE TRANSFERRED UNLESS (1) A REGISTRATION  STATEMENT WITH RESPECT
         THERETO IS EFFECTIVE UNDER THE SECURITIES ACT AND ANY APPLICABLE  STATE
         SECURITIES  LAWS, OR (2) THE COMPANY  RECEIVES AN OPINION OF COUNSEL TO
         THE  HOLDER OF THIS  WARRANT  OR SUCH  SECURITIES,  WHICH  COUNSEL  AND
         OPINION ARE REASONABLY  SATISFACTORY TO THE COMPANY,  THAT THIS WARRANT
         OR SUCH  SECURITIES,  AS  APPLICABLE,  MAY BE OFFERED,  SOLD,  PLEDGED,
         ASSIGNED,  OR OTHERWISE  TRANSFERRED IN THE MANNER CONTEMPLATED WITHOUT
         AN  EFFECTIVE  REGISTRATION  STATEMENT  UNDER  THE  SECURITIES  ACT  OR
         APPLICABLE STATE SECURITIES LAWS.

         10. The Company  covenants that upon receipt by the Company of evidence
reasonably  satisfactory to it of the loss, theft,  destruction or mutilation of
this Warrant or any stock  certificate  relating to the Warrant  Shares,  and in
case of  loss,  theft  or  destruction,  of  indemnity  or  security  reasonably
satisfactory  to it (which,  in the case of the  Warrant,  shall not include the
posting of any bond),  and upon  surrender and  cancellation  of such Warrant or
stock certificate, if mutilated, the Company will make and deliver a new Warrant
or stock  certificate  of like date,  tenor and  denomination  , in lieu of such
Warrant or stock certificate

         11. (a) The Holder of any Warrant shall not have,  solely on account of
such status,  any rights of a  stockholder  of the Company,  either at law or in
equity, or to any notice of meetings of stockholders or of any other proceedings
of the Company, except as provided in this Warrant.

             (b) No provision  hereof,  in the absence of affirmative  action by
Holder to Warrant Shares,  and no enumeration herein of the rights or privileges
of Holder  hereof,  shall  give rise to any  liability  of such  Holder  for the
purchase price of any Common Stock or as a stockholder of Company,  whether such
liability is asserted by Company or by creditors of Company.

         12. (a) This Warrant shall be construed in accordance  with the laws of
the State of California  applicable to contracts made and performed  within such
State, without regard to principles of conflicts of law.

             (b) EACH OF THE PARTIES HEREBY IRREVOCABLY AND

                                      -9-
<PAGE>

UNCONDITIONALLY SUBMITS TO THE EXCLUSIVE JURISDICTION OF THE COURTS OF THE STATE
OF CALIFORNIA  AND OF THE FEDERAL  COURTS  SITTING IN THE STATE OF CALIFORNIA IN
ALL ACTIONS OR PROCEEDINGS ARISING OUT OF OR RELATING TO THIS AGREEMENT. EACH OF
THE PARTIES AGREES THAT ALL ACTIONS OR PROCEEDINGS ARISING OUT OF OR RELATING TO
THIS AGREEMENT MUST BE LITIGATED EXCLUSIVELY IN ANY SUCH STATE OR, TO THE EXTENT
PERMITTED  BY LAW,  FEDERAL  COURT  THAT SITS IN THE  COUNTY OF LOS  ANGELES  OR
ORANGE,  AND ACCORDINGLY,  EACH PARTY IRREVOCABLY  WAIVES ANY OBJECTION WHICH IT
MAY NOW OR  HEREAFTER  HAVE TO THE  LAYING  OF THE  VENUE OF ANY SUCH  ACTION OR
PROCEEDING IN ANY SUCH COURT. EACH PARTY FURTHER IRREVOCABLY CONSENTS TO SERVICE
OF PROCESS IN THE MANNER  PROVIDED FOR NOTICES IN SECTION 5.05.  NOTHING IN THIS
AGREEMENT OR ANY OTHER  TRANSACTION  DOCUMENT WILL AFFECT THE RIGHT OF ANY PARTY
TO THIS AGREEMENT TO SERVE PROCESS IN ANY OTHER MANNER PERMITTED BY LAW.

                [REMAINDER OF THIS PAGE INTENTIONALLY LEFT BLANK]

                                      -10-
<PAGE>

         (c) EACH  PARTY  WAIVES ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY IN ANY
LEGAL  PROCEEDING  DIRECTLY  OR  INDIRECTLY  ARISING  OUT OF OR RELATING TO THIS
AGREEMENT, OR THE TRANSACTIONS  CONTEMPLATED HEREBY OR THEREBY (WHETHER BASED ON
CONTRACT,  TORT OR ANY OTHER THEORY).  EACH OF THE PARTIES (1) CERTIFIES THAT NO
REPRESENTATIVE,  AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY
OR OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT, IN THE EVENT OF LITIGATION,  SEEK
TO  ENFORCE  THE  FOREGOING  WAIVER AND (2)  ACKNOWLEDGES  THAT IT AND THE OTHER
PARTIES  HERETO HAVE BEEN INDUCED TO ENTER INTO THIS  AGREEMENT  BY, AMONG OTHER
THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS SECTION 12.

Dated: September 28, 2005

                                             SHEERVISION, INC.

                                             BY: /s/ Suzanne Lewsadder
                                                 -------------------------------
                                                 NAME:  Suzanne Lewsadder
                                                 TITLE: CEO

[Seal]

/s/ Suzanne Lewsadder
----------------------
Secretary

                                      -11-
<PAGE>

                               FORM OF ASSIGNMENT

(To be executed by the registered  holder if such holder desires to transfer the
attached Warrant.)

         FOR VALUE RECEIVED,  ______________________  hereby sells, assigns, and
transfers  unto  _________________  a Warrant to purchase  __________  shares of
Common Stock,  par value $0.001 per share,  of  SheerVision,  Inc., a California
corporation (the "Company"),  and does hereby irrevocably constitute and appoint
___________ attorney to transfer such Warrant on the books of the Company,  with
full power of substitution.

Dated: _________________

                                                Signature_______________________

                                     NOTICE

         The signature on the foregoing  Assignment  must correspond to the name
as written upon the face of this Warrant in every particular, without alteration
or enlargement or any change whatsoever.

                                      -12-
<PAGE>

                              ELECTION TO EXERCISE

To:      SheerVision, Inc.

         The  undersigned  hereby  exercises his, her, or its rights to purchase
shares of Common  Stock,  par value  $0.001 per share (the "Common  Stock"),  of
SheerVision,  Inc., a California  corporation  (the  "Company"),  covered by the
within Warrant and tenders payment  herewith in the amount of  $____________  in
accordance  with the terms  thereof,  and  requests  that  certificates  for the
securities  constituting  such shares of Common  Stock be issued in the name of,
and delivered to:

                    (Print Name, Address, and Social Security
                          or Tax Identification Number)

and, if such  number of shares of Common  Stock  shall not  constitute  all such
shares of Common Stock covered by the within Warrant, that a new Warrant for the
balance of the shares of Common  Stock  covered by the within  Warrant  shall be
registered  in the name of, and  delivered  to, the  undersigned  at the address
stated below.

Dated: __________________                   Name________________________
                                                 (Print)

Address:

                                            ________________________
                                                 (Signature)

                                      -13-

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