Document:

Exhibit 4.2.4 - Amendment No. 3 To Rights Agreement

AMENDMENT NO. 3 TO RIGHTS AGREEMENT

     Amendment No. 3 to Rights Agreement
(this “Amendment“) is made as of March
5, 2003 by and among Coventry Health Care, Inc., a Delaware corporation
(the “Company“), and Mellon Investor
Services LLC, formerly known as ChaseMellon Shareholder Services, L.L.C.,
(the “Rights Agent”). Reference is made herein to that certain Rights
Agreement, dated as of March 30, 1998, by and among
the Company and the Rights Agent, as amended by Amendment No. 1 to Rights
Agreement dated as of December 18, 1998 and by Amendment
No. 2 to Rights Agreement dated as of May 5, 2000 (as amended, the
“Rights Agreement”). Capitalized terms not herein
defined shall have the meanings ascribed thereto in the Rights Agreement.

     WHEREAS, the Rights Agreement may
be amended by the parties hereto pursuant to Section 27; and

     WHEREAS, the Company and the
Rights Agent wish to amend the Rights Agreement;

     NOW, THEREFORE, in consideration
of the premises and other good and valuable
consideration, the parties hereby agree as follows:

     1.    Amendment
of Section 1(a).  Section 1(a) of the Rights Agreement is hereby
amended and restated in its entirety to read as follows:

     (a) “Acquiring Person”
means any Person which (or which together with all its Affiliates and Associates)
shall be the Beneficial Owner of 20% or more of the shares of Common Stock then
outstanding. Notwithstanding the foregoing, (x) the term “Acquiring
Person” shall not include the Company, any Subsidiary of the Company, any
employee benefit plan maintained by the Company or
any of its Subsidiaries, or any trustee or fiduciary with respect to such plan
acting in such capacity; and (y) no Person shall become an “Acquiring
Person” as the result of (A) the acquisition of Common Stock (or other
securities convertible into shares of Common Stock or other rights with respect
to Common Stock) directly from the Company, or (B) an acquisition of Common
Stock by the Company which, by reducing the number of shares outstanding,
increases the proportionate number of shares Beneficially
Owned by such Person (alone or together with all Affiliates and Associates)
to 20% or more of the Shares of Common Stock then
outstanding; provided, however, that if a Person (together with its Affiliates
or Associates) becomes the Beneficial Owner of 20%
or more of the Common Stock then outstanding by reason of share purchases by
the Company, and such Person (or an Affiliate or
Associate) subsequently becomes the Beneficial Owner of any additional Common
Stock, then such Person shall be deemed to be an
“Acquiring Person.” Notwithstanding the foregoing, if the Board of
Directors of the Company determines in good faith that
a Person who would otherwise be an “Acquiring Person,” as defined
pursuant to the foregoing provisions of this paragraph
(a) has become such inadvertently, and such Person divests as promptly as
practicable a sufficient number of shares of Common Stock
so that such Person would no longer be an “Acquiring Person”
as defined pursuant to the foregoing provisions of this
paragraph (a), then any such Person shall not be deemed to be an
“Acquiring Person” for purposes of this Agreement.
Notwithstanding anything to the contrary in this Agreement, none of Warburg,
Pincus Ventures, L.P., a Delaware limited partnership,
Warburg, Pincus Equity Partners, L.P., a Delaware limited partnership,
Warburg, Pincus Netherlands Equity Partners I, C.V., a
Netherlands limited partnership, Warburg, Pincus Netherlands Equity Partners
II, C.V., a Netherlands limited partnership, Warburg,
Pincus Netherlands Equity Partners III, C.V., a Netherlands limited partnership
(collectively, “Warburg”) and any
Affiliate or Associate of Warburg shall be deemed an “Acquiring Person”
hereunder for so long as none of Warburg and any Affiliate or Associate thereof
shall have breached, in any material respect, any provision of Sections 1(a)
or 2 of that certain Shareholder's Agreement dated as of May 5, 2000 by and
among Warburg and the Company (the “Warburg Shareholders
Agreement”) and, after the Warburg Shareholders Agreement shall no longer
be effective, until such time as Warburg and any of
its Affiliates and Associates shall Beneficially Own less than 20% of the
Common Stock.

     2.   Amendment
to Section 7(a).  Section 7(a) of the Rights Agreement is hereby
amended and restated in its entirety to read as follows:

     (a) At any time after the
Exercisability Date and prior to the earlier of (i) the Close of Business
on February 7, 2006  (provided, however,  that this date may be
extended by amendment  hereof in accordance  with Section 27
below for a period of time not to exceed  three (3)  years,  if prior to
February  7, 2006 the  Independent  Directors  Committee (as defined below)
determines that, after review and evaluation of this Rights  Agreement,
the maintenance and continuance of this Rights Agreement is in the best
interests of the Company and its stockholders)  (the “Final  Expiration
Date”), or (ii) the time at which the Rights are  redeemed  as  provided
in Section 23 hereof (the  “Redemption  Date”)  (the  earlier of
(i) and (ii) being the  “Expiration Date”),  the registered  holder
of any Rights  Certificate may,  subject to the provisions of Section 7(e)
hereof,  exercise the Rights evidenced  thereby  in whole or in part upon
surrender  of the Rights Certificate,  with the form of  election  to  purchase
and the certificate  on the reverse side  thereof duly  executed,  to the
Rights  Agent at the office of the Rights Agent  designated  for such purpose,
together with payment of the aggregate Exercise
Price (as hereinafter  defined) for the number of shares of Common Stock
(or, following a Triggering Event,  other securities, cash or other assets,
as the case may be) for which such surrendered  Rights are then exercisable.
For purposes of this Section 7(a), the “Independent Directors Committee”
shall mean the audit committee of the Board or, at the  discretion  of the
Board, another committee comprised solely of directors of the Company
that meet the independence requirements of the New York Stock Exchange,
Section 10A(m)(3) of the Exchange Act and the rules and regulations
of the Securities and Exchange Commission.

     3.   Rights
Agreement Otherwise Unamended.   The terms of the Rights Agreement
not amended hereby shall, except as the context unambiguously requires,
remain in full force and effect.

     4.   Rights
Agreement Otherwise Unamended.   This Amendment, together with
the provisions of the Rights Agreement not amended hereby, constitute the
entire agreement between the parties hereto with respect to the subject matter
hereof and supersede all other prior agreements, whether written or oral,
between the parties hereto.

     5.   Counterparts.
  This Amendment may be executed in one or more counterparts,
each of which shall be deemed an original and all of which together shall
constitute one and the same document.

     IN WITNESS WHEREOF, each of the
parties hereto has caused this Amendment to be executed in its respective
corporate name by one of its duly authorized officers, all as of the date
first above written.

	 	COVENTRY HEALTH CARE, INC.
	 	 
	 	By: /s/ Allen F. Wise
	 	

	 	Name:   Allen F. Wise
	 	Title:    President and Chief Executive Officer
	 	 
	 	MELLON INVESTOR SERVICES LLC
	 	 
	 	By: /s/ Kathy Gallagher
	 	

	 	Name:   Kathy Gallagher
	 	Title:    Vice President<PAGE>

                                                               Exhibit 10(k)

                     Solutia Inc. Deferred Compensation Plan

SECTION 1. PURPOSE

         The Solutia Inc. Deferred Compensation Plan is an unfunded, deferred
compensation plan which is intended to provide eligible employees of Solutia
Inc. and certain of its Subsidiaries with an opportunity to defer the receipt of
all or part of their cash incentive awards.

SECTION 2. DEFINITIONS

         As used in the Plan, the following terms shall have the meanings set
forth below:

         "Account" shall mean, for each Participant, such Participant's Deferred
Cash Equivalent Account and Predecessor Plan Account.

         "Beneficiary Election" shall mean written instructions, on a form
provided by the Company, relating to elections under Section 6.

         "Board" shall mean the Board of Directors of the Company.

         "Business Combination" shall have the meaning set forth in subparagraph
(c) of the definition of "Change of Control."

         "Change of Control" shall mean any of the following events:

         (a)      The acquisition by any person, entity or "group," within the
                  meaning of Section 13(d)(3) or 14(d)(2) of the Securities
                  Exchange Act of 1934 (the "Exchange Act") (a "Person"), of
                  beneficial ownership (within the meaning of Rule 13d-3
                  promulgated under the Exchange Act) of 20% or more of either
                  (i) the then outstanding shares of Common Stock of the Company
                  (the "Outstanding Company Common Stock") or (ii) the combined
                  voting power of the then outstanding voting securities of the
                  Company entitled to vote generally in the election of
                  directors (the "Outstanding Company Voting Securities");
                  provided, however, that, for purposes of this subsection (a),
                  the following acquisitions shall not constitute a Change of
                  Control: (i) any acquisition directly from the Company, (ii)
                  any acquisition by the Company, (iii) any acquisition by any
                  employee benefit plan (or related trust) sponsored or
                  maintained by the Company or (iv) any acquisition by any
                  corporation pursuant to a transaction which complies with
                  clauses (i), (ii) and (iii) of subsection (c) of this
                  definition; or

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         (b)      Individuals who, as of the date hereof, constitute the Board
                  (the "Incumbent Board") cease for any reason to constitute at
                  least a majority of the Board; provided, however, that any
                  individual becoming a director subsequent to the date hereof
                  whose election, or nomination for election by the Company's
                  shareholders, was approved by a vote of at least a majority
                  of the directors then comprising the Incumbent Board shall
                  be considered as though such individual were a member of the
                  Incumbent Board, but excluding, for this purpose, any such
                  individual whose initial assumption of office occurs as a
                  result of an actual or threatened election contest with
                  respect to the election or removal of directors or other
                  actual or threatened solicitation of proxies or consents by
                  or on behalf of a Person other than the Board; or

         (c)      Approval by the shareholders of the Company of a
                  reorganization, merger or consolidation or sale or other
                  disposition of all or substantially all of the assets of the
                  Company or the acquisition of assets or stock of another
                  corporation (a "Business Combination"), in each case unless,
                  following such Business Combination, (i) all or substantially
                  all of the individuals and entities who were the beneficial
                  owners, respectively, of the Outstanding Company Common Stock
                  and Outstanding Company Voting Securities immediately prior to
                  such Business Combination beneficially own, directly or
                  indirectly, more than 60% of, respectively, the then
                  outstanding shares of common stock and the combined voting
                  power of the then outstanding voting securities entitled to
                  vote generally in the election of directors, as the case may
                  be, of the corporation resulting from such Business
                  Combination (including, without limitation, a corporation
                  which as a result of such transaction owns the Company or all
                  or substantially all of the Company's assets either directly
                  or through one or more subsidiaries) in substantially the same
                  proportions as their ownership, immediately prior to such
                  Business Combination of the Outstanding Company Common Stock
                  and Outstanding Company Voting Securities, as the case may be;
                  (ii) no Person (excluding any corporation resulting from such
                  Business Combination or any employee benefit plan (or related
                  trust) of the Company or such corporation resulting from such
                  Business Combination) beneficially owns, directly or
                  indirectly, 20% or more of, respectively, the then outstanding
                  shares of common stock of the corporation resulting from such
                  Business Combination or the combined voting power of the then
                  outstanding voting securities of such corporation except to
                  the extent that such ownership existed prior to the Business
                  Combination; and (iii) at least a majority of the members of
                  the board of directors of the corporation resulting from such
                  Business Combination were members of the Incumbent Board at
                  the time of the execution of the initial agreement, or of the
                  action of the Board, providing for such Business Combination;
                  or

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         (d)      Approval by the shareholders of the Company of a complete
                  liquidation or dissolution of the Company.

         "Code" shall mean the Internal Revenue Code of 1986, as amended.

         "Committee" shall mean the ECDC, or its permitted delegate.

         "Company" shall mean Solutia Inc.

         "Compensation Committee" shall mean one or more committees appointed by
the ECDC composed of one or more senior managers of the Company or a Subsidiary
to whom the ECDC may delegate its powers (or a portion thereof) to administer
this Plan pursuant to Section 8.

         "Date Certain Election" shall have the meaning set forth in Section
7(a).

         "Deferral Election" shall mean a written election, on a form provided
by the Company, to defer receipt of Incentive Awards otherwise payable to a
Participant.

         "Deferred Cash Equivalent Account" shall mean a book-entry account in
the name of a Participant maintained in the Company's records with entries
denominated in dollars.

         "ECDC" shall mean the Executive Compensation and Development Committee
or such other committee of the Board as the Board may from time to time
designate.

         "Effective Date" shall mean the date that this Plan is adopted by the
Committee.

         "Eligible Participant" shall mean an employee of the Company or a
Participating Subsidiary who (a) is a member of the Executive Leadership Team of
the Company or is classified in grade 82 or 83 (or an equivalent salary grade),
and (b) is a U.S. citizen residing in the United States or a citizen of another
country permanently assigned to and residing in the United States.

         "Fiscal Year" shall mean the period commencing January 1 and ending on
the next succeeding December 31.

         "Incentive Award" shall mean any cash award under an annual incentive
plan of the Company and any other cash awards designated by the Committee.

         "Incumbent Board" shall have the meaning set forth in subparagraph (b)
of the definition of "Change of Control."

         "Outstanding Company Common Stock" shall have the meaning set forth in
subparagraph (a) of the definition of "Change of Control."

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         "Outstanding Company Voting Securities" shall have the meaning set
forth in subparagraph (a) of the definition of "Change of Control."

         "Participant" shall mean an Eligible Participant who delivers a
Deferral Election to the Company. A person shall not cease being a Participant
if the person ceases being an Eligible Participant if the person has an Account
with a positive balance.

         "Participating Subsidiary" shall mean a Subsidiary that is designated
as a Participating Subsidiary by the Committee.

         "Payment Election" shall have the meaning set forth in Section 7(a).

         "Plan" shall mean this Solutia Inc. Deferred Compensation Plan.

         "Predecessor Plan" shall mean any U.S. plan, other than a qualified
plan or a supplemental retirement plan, providing for deferred compensation for
Participants (a) in effect on the Effective Date or (b) maintained by Monsanto
or a Subsidiary of Monsanto prior to September 1, 1997, with respect to which
obligations relating to Participants were assumed by the Company.

         "Predecessor Plan Account" shall mean a book-entry account in the name
of a Participant maintained in the Company's records with entries denominated in
dollars representing deferrals and accrued interest under a Predecessor Plan.

         "Retirement" shall mean a voluntary Termination of Employment by a
Participant at age 50 or above or an involuntary Termination of Employment at
age 50 or above other than for cause (as determined by the Committee).

         "Retirement Election" shall have the meaning set forth in Section 7(a).

         "Subsidiary" shall mean a corporation (or partnership, joint venture,
or other enterprise) of which the Company owns or controls, directly or
indirectly, 50% or more of the outstanding shares of stock normally entitled to
vote for the election of directors (or comparable equity participation and
voting power).

         "Termination of Employment" shall mean the termination of the
Participant's employment with the Company and any Subsidiary. A Participant
employed by a Subsidiary shall also be deemed to incur a Termination of
Employment if the Subsidiary ceases to be such a Subsidiary and the Participant
does not immediately thereafter become an employee of the Company or another
Subsidiary. Transfers among the Company and its Subsidiaries shall not be
considered Terminations of Employment.

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SECTION 3. DEFERRAL ELECTIONS

         (a) Delivery and Effectiveness of Deferral Elections. A Participant may
elect to defer receipt of an Incentive Award otherwise payable to the
Participant in a future Fiscal Year by delivering a Deferral Election to the
Company not later than September 30 preceding the Fiscal Year in which the
Deferral Election is to become effective or such other time as the Committee
shall determine. A separate Deferral Election will be required for each
Incentive Award. A Deferral Election shall become irrevocable for a Fiscal Year
on September 30 of the immediately preceding Fiscal Year or at such other time
as the Committee shall determine. During the period in which a Deferral Election
is effective, the Participant shall not be entitled to receive currently
payments covered by such Deferral Election. The Company shall instead make
credits to the Participant's Account in accordance with Section 4.

         (b) Contents of Deferral Elections. A Deferral Election may relate to
all or any portion of an Incentive Award otherwise payable to a Participant.
Each Deferral Election shall specify the type of Incentive Award and the
percentage or dollar amount of the Incentive Award which shall be subject to
such Deferral Election and shall contain the Participant's Payment Election. If
the amount of the portion of any Incentive Award subject to a Deferral Election
is less than $1,000 (based on a valuation at the time the Incentive Award would
otherwise be paid), that Incentive Award will be paid currently and no credit
relating to such Incentive Award will be made under the Plan.

         (c) Compliance with Regulations and Section 162(m) of the Internal
Revenue Code. The term of deferral may be changed by the Committee to enable the
Company to comply with wage controls, guidelines, or other governmental
requirements. Notwithstanding any other provision of this Plan to the contrary,
no portion of the balance in a Participant's Account shall be paid to any
Participant before the earliest date on which the Company's federal income tax
deduction for such payment is not precluded by Section 162(m) of the Internal
Revenue Code. In the event any payment is delayed solely as a result of the
preceding restriction, such payment shall be made as soon as administratively
practicable following the first date as of which Section 162(m) of the Internal
Revenue Code no longer precludes the deduction by the Company of such payment.
Amounts deferred because of the Section 162(m) deduction limitation shall
continue to accrue interest at the rate applicable to the Participant's Deferred
Cash Equivalent Account or Predecessor Plan Account, as applicable.

SECTION 4. PARTICIPANT ACCOUNTS

         (a) Amounts Credited. There shall be credited to a Participant's
Deferred Cash Equivalent Account amounts related to Incentive Awards with
respect to which a Deferral Election is made after the Effective Date of this
Plan and which would otherwise have been paid in cash by the Company together
with an amount equal to the matching contribution, if any, that the Company
would have made under the Solutia Inc. Savings and Investment Plan and/or the
Solutia Inc. ERISA Parity Savings and Investment Plan,

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as applicable, had the Deferral Election not been made ("Match"). There shall be
credited to a Participant's Predecessor Plan Account any amounts deferred and
unpaid under a Predecessor Plan together with interest accrued thereon as of the
Effective Date of this Plan. Amounts deferred pursuant to each Deferral
Election, together with any related Match and accrued interest, shall be
accounted for separately within the Participant's Account.

         (b) Interest. Amounts credited to the Participant's Deferred Cash
Equivalent Account shall bear interest as provided in Section 5(a). Interest
will begin to accrue with respect to an Incentive Award beginning with the April
1 immediately following the date the Incentive Award would otherwise have been
paid to the Participant. Interest shall be credited to Deferred Cash Equivalent
Accounts at the end of each month. Amounts credited to the Participant's Prior
Plan Account shall continue to bear interest as provided in Section 5(b).

SECTION 5. INTEREST RATE

         (a) The interest rate to be accrued on a Participant's Deferred Cash
Equivalent Account shall be such rate as is determined, from time to time, by
the ECDC. The determination by the ECDC pursuant to this Section 5(a) shall be
within its sole discretion and its decision shall be conclusive, final and
binding upon all parties concerned. Participants will be given notice of any
change in rate.

         (b) The interest rate to be accrued on a Participant's Predecessor Plan
Account during a Fiscal Year shall be equal to the average yield during the
preceding Fiscal Year for the Moody's Baa bond index composed of investment
grade securities rated Baa1, Baa2, and Baa3 with a twenty-year maturity.

SECTION 6. PAYMENTS FOLLOWING DEATH

         (a) Form of Payment. A Participant may deliver a Beneficiary Election
to the Company electing that, in the event the Participant should die before
full payments of all amounts credited to the Participant's Account, the balance
of the Account shall be distributed in one payment to the person(s) designated
in the Beneficiary Election. In the event that a Participant fails to designate
such a beneficiary, or the beneficiary(ies) predecease(s) the Participant,
payment following the death of the Participant shall be made to the
Participant's estate. An existing beneficiary designation made in connection
with deferrals under a Predecessor Plan will be deemed to be a Beneficiary
Election under this Plan. Payment shall be made as soon as administratively
practicable after the Participant's death.

         (b) Change of Beneficiary Designation. The elections referred to in
Section 6(a), may be changed by a Participant at any time by delivering a new
Beneficiary Election to the Company. In the case of multiple Beneficiary
Elections by a Participant,

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the most recent valid Beneficiary Designation in effect as of the date of the
Participant's death shall be controlling.

SECTION 7. PAYMENTS

         (a) Commencement of Benefits. A Participant's Deferral Election made
pursuant to Section 3 shall include an election with respect to the distribution
of the amounts to be credited to such Participant's Account (each such election,
a "Payment Election"). Any similar election related to the distribution of
deferred amounts under the Predecessor Plans shall be deemed a Payment Election
under this Plan with respect to such deferred amounts. Each Payment Election
shall specify (i) subject to any minimum deferral period established by the
Committee, the month and year when the Participant will receive the amount
deferred together with interest accrued thereon ("Date Certain Election") or
(ii) payment after Retirement in one lump sum or in monthly installments over a
specified number of years as set forth in Section 7(b)(ii) ("Retirement
Election").

         (b) Payment Period.

                  (i) Date Certain Election. Payment will be made in one lump
sum in the month and year specified, subject to the provisions of Section 3(c),
Section 7(d), Section 9, and Section 10(b)(ii).

                  (ii) Retirement Election. A Participant may elect to receive
the amounts deferred pursuant to a Payment Election in one lump sum payment in
January of the year following Retirement or in January of any subsequent year up
to five (5) years following the date of the Participant's Retirement, or a
Participant may elect to receive the amounts deferred together with the interest
accrued thereon in approximately equal monthly installments beginning a
specified number of months (not exceeding sixty (60) months) after Retirement
and extending over a specified number of years (not exceeding ten (10) years
from the date of the first monthly installment).

         (c) Acceleration of Payment for Severe Financial Hardship. In the event
a Participant incurs a severe financial hardship, the Committee may, in its sole
discretion, upon the written request of a Participant or the Participant's legal
representative, accelerate or otherwise revise the payment schedule for the
Participant's Account to the extent reasonably deemed necessary to eliminate or
alleviate the severe financial hardship. For the purpose of this Section 7(c), a
severe financial hardship must have been caused by an accident, illness, or
other event beyond the control of the Participant.

         (d) Termination of Employment. In the event of Termination of
Employment with the Company for any reason (other than Retirement while the
Participant has a Retirement Election in effect), the Participant or the
Participant's beneficiary(ies) will receive a lump sum as soon as
administratively practicable following the Participant's termination date.
Notwithstanding the above, in the event of Termination of Employment of a
Participant in connection with the sale of a business by the Company where the

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Participant continues working for such business as an employee of the buyer, the
amounts credited to the Participant's Account shall be paid to the Participant
as soon as administratively practicable after the first anniversary of the
Termination of Employment of the Participant.

         (e) Immediate Distribution. A Participant may at any time elect to
receive a distribution of all or any portion of the balance in the Participant's
Account. Requests for distributions shall be submitted in writing (on a form
prescribed by the Committee for such purpose) to the Company. Distributions from
the Participant's Account pursuant to this Section 7(e) will at all times be
subject to (i) reduction for applicable tax withholdings pursuant to Section
9(f), and (ii) a percentage reduction in the amount requested equal to ten
percent (10%) of the amount requested, which will be forfeited. Distributions
pursuant to this Section 7(e) shall be payable in a single lump sum, in cash,
within thirty (30) days of submission of the completed form.

SECTION 8. ADMINISTRATION

         (a) Administration. The ECDC shall have the authority to administer the
Plan. Without limiting the generality of the preceding sentence, the ECDC shall
have the exclusive right to interpret the Plan, determine the interest rate to
be accrued on Deferred Cash Equivalent Accounts, determine eligibility for
participation in the Plan, construe any ambiguous provisions of the Plan,
correct any defects, supply omissions, and reconcile inconsistencies to the
extent necessary to effectuate the Plan, and determine the amount of benefits
payable to Participants under the Plan, except to the extent the ECDC delegates
administration pursuant to Section 8(b).

         (b) Delegation of Authority. The ECDC may delegate some or all of its
authority under the Plan to one or more Compensation Committees and authorize
further delegation by the Compensation Committees to senior management of the
Company or a Subsidiary; provided that determinations regarding the interest
rate to be accrued shall be made, and any actions pursuant to Section 9 or
Section 10(b) shall be taken, only by the ECDC.

         (c) Actions of the Committee. In carrying out the responsibilities set
forth in Section 8(a):

                  (i) The Committee may adopt rules and regulations necessary
for the administration of the Plan which are consistent with the provisions
hereof.

                  (ii) All acts and decisions of the Committee shall apply
uniformly to all Participants in like circumstances. Written records shall be
kept of all acts and decisions

                  (iii) The Committee shall cause to be kept records relating to
Participants and such other records as are necessary for proper operation of the
Plan.

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         (d) Any interpretation or determination made by the Committee pursuant
to its discretionary authority shall be final and binding on the Company, any
Participant, and any other affected party.

         (e) The Committee shall have the right to hire, at the expense of the
Company, such professional assistants and consultants as the Committee, in its
sole discretion, deems necessary or advisable, including but not limited to
accountants, actuaries, consultants, counsel and such clerical assistance as is
necessary for proper discharge of its duties hereunder.

SECTION 9. CHANGE OF CONTROL

         (a) In the event of a Change of Control as defined in subparagraph (a)
of the definition of Change of Control or a "proposed change of control" as
defined below, the ECDC shall have complete authority and discretion, but no
obligation, to accelerate payments of Account balances to Participants. A
"proposed change of control" shall mean the submission to the Company's
shareholders of (i) nominees for directors or (ii) a transaction, which, if
elected or approved would result in a Change of Control as described in
subparagraph (b), (c) or (d) of the definition of Change of Control herein.

         (b) The ECDC may also ask the Board to negotiate, as part of any
agreement involving the sale or merger of the Company, or a sale of
substantially all of the Company's assets or a similar transaction, provisions
for the protection of Participants.

SECTION 10. MISCELLANEOUS

         (a) Benefits Unfunded. All benefits payable under this Plan constitute
an unfunded obligation of the Company. Payments shall be made, as due, from the
general funds of the Company. The Company may, at its option, maintain one or
more bookkeeping reserve accounts to reflect its obligations under the Plan and
may make such investments as it may deem desirable to assist it in meeting its
obligations under the Plan. Any such investments shall be assets of the Company
subject to the claims of its general creditors. No person eligible for a benefit
under this Plan shall have any right, title to, or interest in any such
investments. Participants are general, unsecured creditors of the Company. This
Plan constitutes a mere promise to pay benefits in the future.

         (b) Amendment or Termination.

                  (i) The ECDC may amend or terminate the Plan at any time, but
such amendment or termination shall not adversely affect the rights of any
Participant, without his or her consent, to any benefit under the Plan to which
such Participant may have previously become entitled prior to the effective date
of such amendment or termination. Any amendment to the Plan shall be made in
writing, with or without a meeting.

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                  (ii) If the Plan is terminated, a valuation shall be made of
each Participant's Account balance as of the Plan termination date. The amount
of such Account balance shall be payable to the Participant at the time it would
have been payable under Section 6 and Section 7 had the Plan not been
terminated; provided, however, that the ECDC may elect instead to immediately
distribute all Participants' Account balances in lump sums upon termination of
the Plan.

         (c) Statement of Account. Statements will be sent no less frequently
than annually to each Participant showing the value of the Participant's
Account.

         (d) Payments to Incompetents. If a Participant entitled to receive any
benefits hereunder is adjudged to be legally incapable of giving valid receipt
and discharge for such benefits, they will be paid to the duly appointed
guardian of such Participant or to such other legally appointed person as the
Committee may designate. Such payment shall, to the extent made, be deemed a
complete discharge of any liability for such payment under the Plan.

         (e) Benefits Not Transferable. The right of any person to any benefit
or payment under the Plan shall not be subject to voluntary or involuntary
transfer, alienation, or assignment and, to the fullest extent permitted by law,
shall not be subject to attachment, execution, garnishment, sequestration or
other legal or equitable process. In the event a person who is receiving or is
entitled to receive benefits under the Plan attempts to assign, transfer or
dispose of such right, or if an attempt is made to subject said right to such
process, such assignment, transfer, or disposition shall be null and void.

         (f) Tax Withholding. The Company, or any Subsidiary, as appropriate, is
authorized to withhold from any Account or payment due under the Plan the amount
of applicable withholding taxes in respect of such payment or Account and to
take such other action as may be necessary in the opinion of the Company to
satisfy all obligations for the payment of such federal, state or other
governmental entity tax obligation.

         (g) Employment Status. Nothing in the Plan, nor any action by the
Company or any Subsidiary pursuant to the Plan, shall be deemed to give any
Participant any right to remain in the employ of the Company or any Subsidiary
or affect the right of the Company or any Subsidiary to terminate a
Participant's employment with or without cause.

         (h) Governing Law. The provisions of the Plan shall be construed in
accordance with the laws of the State of Delaware.

                                       10

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