Document:

Annual Incentive Pay Plan, as amended February 21, 2011

 Exhibit 10.1 
 THE LUBRIZOL CORPORATION 
 ANNUAL INCENTIVE PAY PLAN 

(As Amended February 21, 2011) 

INTRODUCTION 
 The Lubrizol Corporation
(hereinafter referred to as the “Corporation”) hereby establishes, effective as of January 1, 2008, The Lubrizol Corporation Annual Incentive Pay Plan (hereinafter referred to as the “Plan”) in order to provide an award for
employees which reflects the pursuit of superior performance, increased customer satisfaction and enhancement of shareholder value. Awards for participating employees under the Plan shall depend upon corporate performance measures as determined by
the Committee for the Plan Year. 
 Except as otherwise provided, the Plan shall be administered by the Organization and Compensation Committee
(hereinafter referred to as the “Committee”) of the Board of Directors of the Corporation. The Committee shall have conclusive authority to construe and interpret the Plan and any agreements entered into under the Plan and to establish,
amend, and rescind rules and regulations for its administration. The Committee shall also have any additional authority as the Board may from time to time determine to be necessary or desirable. 

ARTICLE I 
 DEFINITIONS

 1.01 Definitions. The following terms shall have the indicated meanings for purposes of the Plan: 

 

	 	(a)	“Board” shall mean the Board of Directors of the Corporation. 

  

	 	(b)	“Chief Executive Officer” shall mean the chief executive officer of the Corporation. 

 

	 	(c)	“Committee” shall mean the Organization and Compensation Committee of the Board, or other designated committee of the Board, consisting of persons who are not Employees
or International Employees. 

  

	 	(d)	“Corporation” shall mean The Lubrizol Corporation, a corporation organized under the laws of the State of Ohio. 

 

	 	(e)	“Director” shall mean a member of the Board. 

  

	 	(f)	“Employee” shall mean any person other than an Officer, who is employed for a wage or salary by the Corporation or a domestic Subsidiary. 

 

	 	(g)	“International Employee” shall mean any person who is employed for a wage or salary by an international Subsidiary of the Corporation. 

 

	 	(h)	“International Participant” shall mean any International Employee who has been selected by the Committee pursuant to Article VI of the Plan, and who has not for any
reason becomes ineligible to participate in the Plan. 

  
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	 	(i)	“Individual Award” shall mean the amount paid (or to be paid) to a Participant or International Participant, as the case may be, by the Corporation pursuant to the
Plan. 

  

	 	(j)	“Individual Target Award” shall have the definition, and shall be determined, as set forth in Section 3.02 herein. 

 

	 	(k)	“Officer” shall mean an employee of the Corporation or a Subsidiary who is a member of the Executive Council of the Corporation. 

 

	 	(l)	“Participant” shall mean all Officers, and any Employee who has been selected by the Committee pursuant to Article II herein to participate in the Plan, and have not
for any reason become ineligible to participate in the Plan. 

  

	 	(m)	“Pay” shall be determined at the time of calculating the Individual Performance Shares and shall be the Participant’s base pay. 

 

	 	(n)	“Plan” shall mean The Lubrizol Corporation Annual Incentive Pay Plan, effective January 1, 2008. 

 

	 	(o)	“Plan Year” shall mean each twelve-month period commencing January 1 and ending December 31. 

 

	 	(p)	“Subsidiary” shall mean any corporation, international or domestic, that is wholly or partially (but not less than 50%) owned directly or indirectly by the Corporation.

 1.02 Construction. Where necessary or appropriate to the meaning of a word, the singular shall be deemed to include the plural,
the plural to include the singular, the masculine to include the feminine, and the feminine to include the masculine. 
 ARTICLE II

 ELIGIBILITY AND PARTICIPATION 

2.01 Eligibility. All Employees and Officers shall be eligible to participate in the Plan. 
 2.02 Participation. All Officers shall participate in the Plan. In addition, the Committee shall determine which Employees shall participate in the Plan for each Plan Year. The Committee may also determine
which Employees hired during the Plan Year shall participate in the Plan for such Plan Year. The Committee’s selection of Participants shall be after considering recommendations presented to it by the Chief Executive Officer. 

ARTICLE III 
 INDIVIDUAL AWARDS

 3.01 In General. At the time the Committee selects Participants for any Plan Year, the Committee shall, after consideration of the
recommendations of the Chief Executive Officer, establish, for each Plan Year, an Individual Target Award for each Participant. After the end of the Plan Year Individual Awards shall be paid. 

  
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 3.02 Calculation of Individual Award. The Individual Award shall be calculated in the following manner:

  

	 	(a)	The Participant’s Individual Target Award is determined by multiplying the Participant’s Pay by a designated target opportunity percentage, which shall take into
account the Participant’s position in the Corporation. Such designated target opportunity percentage, as well as maximum and threshold opportunity percentages, shall be determined by the Committee. 

 

	 	(b)	At the beginning of each Plan Year, the Committee approves annual corporate and segment performance metric scorecards and specifies the scorecard(s) that apply to a Participant.
The Chief Executive Officer approves annual performance scorecards below the segment level. 

  

	 	(c)	After the end of the Plan Year, the Committee certifies the amount of the Individual Awards as determined based on actual performance for the Plan Year under the annual
scorecard(s) that apply to the Participant. 

 Individual Target Awards may be either increased or decreased, at any time, or from time to
time, during a Plan Year, for any Participant at the sole discretion of the Committee in order to reflect any change in the individual contribution under the formula set forth in this Section 3.02. 

3.03 Time and Method of Payment of Individual Awards. In the event that a Participant is entitled to an Individual Award with respect to a Plan Year, the
Corporation shall pay such Individual Award to that Participant between January 1 and March 15 following the close of the Plan Year. A Participant who separates from service or dies after the Plan Year but prior to the payment of an
Individual Award shall be eligible to receive any payment under this Plan. Effective September 23, 2008, a Participant who separates from service prior to the end the Plan Year will not be eligible for payment hereunder, unless otherwise
specifically approved by the Committee, upon the recommendation of the Chief Executive Officer. 
 3.04 Claw-back and Forfeiture Policy. The
Committee may cause to be forfeited any outstanding Individual Award and may seek to recoup any economic gains from any Participant who engages in conduct that was not in good faith and that disrupts, damages, impairs or interferes with the
business, reputation or employees of the Company or its Subsidiaries. 
 ARTICLE IV 

AWARDS FOR INTERNATIONAL EMPLOYEES 
 4.01
Participation. The Committee shall determine which International Employees shall participate in the Plan for each Plan Year. The Committee’s selection of International Participants shall be made after considering recommendations
presented to it by the Chief Executive Officer. 
 4.02 Individual Awards. At the time the Individual Awards are determined for Participants, the
Committee shall, in its discretion, after consideration of the recommendations of the Chief Executive Officer, establish for each Plan Year Individual Awards for each International Participant. 

  
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 4.03 Payment of Awards. Individual Awards to each International Participant shall be paid by the international
Subsidiary that is the employer of such International Participant at the same time and under the same conditions as payment is made to Participants under Sections 3.03 and 3.04. All payments shall be converted from the U.S. dollar measurement under
the Plan to the currency of the country of such Subsidiary at the currency exchange rate in effect at the time the Individual Award is determined. All applicable withholding taxes shall be withheld from the distribution and remitted by the
international subsidiary to the appropriate taxing authority. 
 ARTICLE V 

CHANGE OF CONTROL 
 5.01 Effect of Change
in Control. In the event a Change in Control of the Corporation (as defined in Section 5.02) occurs prior to final determination by the Committee of the amounts of Individual Awards to be paid under the Plan with respect to any Plan Year,
the Committee shall calculate such Individual Awards as soon as practicable after such Change in Control. Individual Awards shall be based upon accruals by the Corporation up to the time of such Change in Control and Individual Awards shall be
calculated in accordance with Sections 3.02 and 4.02 herein. Payment of such Individual Awards shall be made at the time specified in Section 3.03, except that if a Participant is separated from service by the Corporation for other than Cause
(defined in Section 5.03) or separates from service for Good Reason (defined in Section 5.04) prior to the end of the Plan Year, the Participant will continue to be eligible for payment of the Individual Award calculated in accordance with
this Section 5.01 at the time of payment specified in Section 3.03. 
 5.02 For all purposes of the Plan, a “Change in Control of the
Corporation” shall have occurred if any of the following events shall occur: 
  

	 	(a)	The date that any one person, or more than one person acting as a group, acquires ownership of stock of the corporation that, together with the stock held by such person or
group, constitutes more than 50 percent of the total fair market value or total voting power of the stock of the Corporation. 

  

	 	(b)	The date any person, or more than one person acting as a group, acquires (or has acquired during the 12-month period ending on the date of the most recent acquisition by such
person or persons) ownership of stock of the Corporation possessing 30% or more of the total voting power of the stock of the Corporation. 

  

	 	(c)	The date a majority of members of the Corporation’s Board of Directors is replaced during any 12-month period by Directors whose appointment or election is not endorsed by a
majority of the members of the Corporation’s Board of Directors before the date of the appointment or election. 

  

	 	(d)	The date that any one person, or more than one person acting as a group, acquires (or has acquired during the 12-month period ending on the date of the most recent acquisition by
such person or persons) assets from the Corporation that have a total gross fair market value equal to or more than 40% of the total gross fair market value of all of the assets of the Corporation immediately before the acquisition or acquisitions.

  
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 Notwithstanding the foregoing, a Change of Control shall have only occurred in accordance with the regulations
promulgated under Section 409A of the Internal Revenue Code of 1986, as amended. 
 5.03 For purposes of this Article V of the Plan,
“Cause” means that, prior to any separation from service, the Participant committed: 
  

	 	(a)	an intentional act of fraud, embezzlement or theft in connection with his duties or in the course of his employment with the Corporation; 

 

	 	(b)	intentional wrongful damage to property of the Corporation; 

  

	 	(c)	intentional wrongful disclosure of secret processes or confidential information of the Corporation; or 

 

	 	(d)	intentional wrongful engagement in any Competitive Activity (as defined below); 

 and any such act materially is harmful to the Corporation. For purposes of this Agreement, no act, or failure to act, on the part of the Participant will be deemed “intentional” if it was due primarily to
an error in judgment or negligence, but will be deemed “intentional” only if done, or omitted to be done, by the Participant not in good faith and without reasonable belief that his action or omission was in the best interest of the
Corporation. Notwithstanding the foregoing, the Participant will not be deemed to have been separated from service for “Cause” hereunder unless and until there is delivered to the Participant a copy of a resolution duly adopted by the
affirmative vote of not less than three-quarters of the Board then in office at a meeting of the Board called and held for such purpose (after reasonable notice to the Participant and an opportunity for the Participant, together with his counsel, to
be heard before the Board), finding that, in the good faith opinion of the Board, the Participant had committed an act set forth above in this 5.03 and specifying the particulars thereof in detail. Nothing herein will limit the right of the
Participant or his beneficiaries to contest the validity or propriety of any such determination. 
 For purposes of this Article V of the Plan, the term
“Competitive Activity” means the Participant’s participation, without the written consent of an officer of the Corporation, in the management of any business enterprise if such enterprise engages in substantial and direct competition
with the Corporation and such enterprise’s sales of any product or service competitive with any product or service of the Corporation amounted to 25% of such enterprise’s net sales for its most recently completed fiscal year and if the
Corporation’s net sales of said product or service amounted to 25% of the Corporation’s net sales for its most recently completed fiscal year. “Competitive Activity” does not include (i) the mere ownership of securities in
any such enterprise and exercise of rights appurtenant thereto or (ii) participation in management of any such enterprise other than in connection with the competitive operations of such enterprise. 

5.04 For purposes of this Article V of the Plan, “Good Reason” means separation from service by the Participant of his employment with the Corporation
after the Change in Control of the Corporation upon the occurrence of any of the following events: 
  

	 	(a)	Failure to elect or reelect or otherwise to maintain the Participant in the office or the position, or a substantially equivalent office or position, of or with the Corporation,
which the Participant held immediately prior to a Change in Control of the Corporation. 

  

	 	(b)	A significant adverse change in the nature or scope of the authorities, powers, functions, responsibilities or duties attached to the position with the Corporation that the
Participant held immediately prior to the Change in Control of the Corporation, a reduction in the aggregate of the Participant’s base and incentive pay opportunities, any of which is not remedied within 10 calendar days after receipt by the
Corporation of written notice from the Participant of the change or reduction, as the case may be; 

  
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	 	(c)	A determination by the Participant made in good faith that as a result of a Change in Control of the Corporation and a change in circumstances thereafter significantly affecting
his position, including without limitation a change in the scope of the business or other activities for which he was responsible immediately prior to a Change in Control of the Corporation, he has been rendered substantially unable to carry out,
has been substantially hindered in the performance of, or has suffered a substantial reduction in, any of the authorities, powers, functions, responsibilities or duties attached to the position held by the Participant immediately prior to the Change
in Control of the Corporation, which situation is not remedied within 10 calendar days after written notice to the Corporation from the Participant of such determination; 

 

	 	(d)	The liquidation, dissolution, merger, consolidation or reorganization of the Corporation or transfer of all or a significant portion of its business and/or assets, unless the
successor or successors (by liquidation, merger, consolidation, reorganization or otherwise) to which all or a significant portion of its business and/or assets have been transferred (directly or by operation of law) assumes all the duties and
obligations of the Corporation under this Agreement; 

  

	 	(e)	The Corporation relocates its principal executive offices, or requires the Participant to have his principal location of work changed, to any location which is in excess of 25
miles from the location thereof immediately prior to the Change of Control of the Corporation or to travel away from his office in the course of discharging his responsibilities or duties hereunder significantly more (in terms of either consecutive
days or aggregate days in any calendar year) than was required of him prior to the Change of Control of the Corporation without, in either case, his prior written consent. 

ARTICLE VI 
 ADMINISTRATION

 6.01 Plan Administrator. The Committee shall be the Plan administrator. 
 6.02 Duties of Plan Administrator. 
  

	 	(a)	The Committee shall administer the Plan in accordance with its terms and shall have all powers necessary to carry out the provisions of the Plan including, but not limited to,
the following: 

  

	 	(1)	Determination of Employees and International Employees who are eligible for Plan participation; and 

 

	 	(2)	Determination of the Individual Awards to be paid to Participants for each Plan Year. 

  
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	 	(b)	The Committee shall interpret the Plan and shall resolve all questions arising in the administration, interpretation, and application of the Plan. Any such determination of the
Committee shall be conclusive and binding on all persons. 

  

	 	(c)	The Committee shall establish such procedures and keep such records or other data as the Committee in its discretion determines necessary or proper for the administration of the
Plan. 

  

	 	(d)	The Committee may delegate administrative responsibilities to such person or persons as the Committee deems necessary or desirable in connection with the administration of the
Plan. 

 ARTICLE VII 
 MISCELLANEOUS 
 7.01 Unfunded Plan. The Corporation shall be under no obligation to segregate or reserve
any funds or other assets for purposes relating to this Plan and no Participant or International Participant shall have any rights whatsoever in or with respect to any funds or assets of the Corporation. 

7.02 Non-Alienation. No anticipated payment of any Individual Award shall be subject in any manner to alienation, sale, transfer, assignment, pledge,
attachment, garnishment or encumbrance of any kind. 
 7.03 No Employment Rights. Nothing herein contained shall be construed as a commitment or
agreement upon the part of any Participant, International Participant, Employee or International Employee hereunder to continue his employment with the Corporation or a Subsidiary, and nothing herein contained shall be construed as a commitment on
the part of the Corporation or any Subsidiary to continue the employment or rate of compensation of any Participant or International Participant hereunder or any Employee or International Employee for any period. 

7.04 Amendment of the Plan. The Corporation reserves the right, to be exercised by instruction from the Committee, to modify or amend this Plan at any time.

 7.05 Duration and Termination of the Plan. The Corporation also reserves the right, to be exercised by action of the Board, to discontinue or
terminate the Plan; provided that, and subject to all the provisions of this plan, any termination shall be effective only for all Plan Years following December 31 of the Plan Year in which the decision to terminate occurs. 

  
 7Amendment to Employment Agreement

 Aflac Incorporated 1st Quarter 2011 Form 10-Q  

EXHIBIT 10.33 
 AMENDMENT TO EMPLOYMENT
AGREEMENT 
  
 THIS AMENDMENT TO EMPLOYMENT
AGREEMENT (this “Amendment”), made and entered into as of the 15th day of March, 2011, by and between Aflac Incorporated, a Georgia corporation, hereinafter referred to as “Corporation,” and Kriss Cloninger, III, a resident of
said State and County, hereinafter referred to as “Employee;” 
 W I T N E S S E T H    T H A T:

 WHEREAS, Corporation and Employee have entered into an employment agreement, dated February 14, 1992, which
has been amended from time-to-time (the “Employment Agreement”); and 
 WHEREAS, the Corporation and Employee
wish to enter into this Amendment to limit or stop the payment of certain disability or severance payments under the Employment Agreement if Employee has satisfied the criteria to receive the maximum percentage of retirement benefits available under
the Aflac Incorporated Supplemental Executive Retirement Plan (i.e., to prevent the overlap of those payments with normal retirement benefits under the plan); 

NOW, THEREFORE, for and in consideration of the mutual promises, covenants and agreements hereinafter contained and other good and
valuable consideration, the sufficiency of which is acknowledged, the parties hereby contract and agree to amend the Employment Agreement as follows, to-wit: 
  

	1.	 The second paragraph of Paragraph 12 of the Employment Agreement hereby is amended by deleting said paragraph in its entirety and by substituting in lieu
thereof the following: 

  

	
	 Should Employee become totally disabled as a result of sickness or accident and unable to adequately perform his regular duties prescribed under
this Agreement, his base salary (which shall continue to be adjusted as provided for in Paragraph 5), together with incentive bonuses under the Corporation’s Management Incentive Plan and his participation in Corporation’s employee benefit
programs and retirement plans shall continue without reduction except as hereinafter provided, during the continuance of such disability for a period not exceeding the earlier of (1) the end of the term of this Agreement or any extension hereof
or (2) a period of one and one-half (1 1/2) years (547 calendar days) for each continuous disability. Payments pursuant to this Paragraph 12 shall be reduced by any amounts paid to Employee during any such period of disability from time to time
under any disability programs, plans or policies maintained by Corporation, its subsidiaries or affiliates. In addition, if during, or on the first day of, the period Employee is receiving such disability pay and benefits, (i) Employee reaches
or has reached the date upon which he satisfies the criteria to receive the maximum percentage of retirement benefits available under the Aflac Incorporated Supplemental Executive Retirement Plan (the “Maximum Retirement Benefit Date”);
and (ii) upon or after the Maximum Retirement Benefit Date, there ceases to be a reasonable expectation that he will return to perform services for Corporation, such that Employee has a separation from service (as defined below) and his Benefit
Commencement Date under the Aflac Incorporated Supplemental Executive Retirement Plan (the “SERP”) has occurred (whether or not the SERP benefit payments are to actually commence on his Benefit Commencement Date or are to be delayed by six
(6) months as may be required under the SERP to satisfy the requirements of Section 409A of the Internal Revenue Code of 1986, as amended (“Section 409A”)); the amount of disability pay consisting of base salary and cash
incentive bonuses being paid or payable under this Paragraph 12 shall be reduced effective as of the date of such separation from service to an amount that is forty percent (40%) of the amount being paid or payable immediately before such
date.

  

	2.	 The fourth paragraph of Paragraph 12 of the Employment Agreement hereby is amended by deleting said paragraph in its entirety and by substituting in lieu
thereof the following: 

  

	
	 If, following Employee’s becoming totally disabled, this Agreement shall be terminated (as provided in the preceding paragraph) and Employee’s
employment with Corporation terminated, Employee shall be 100% vested in, and entitled to, benefits under the SERP determined as if Employee’s “Years of Participation” and “Years of Employment” (as such terms (or similar
terms) are defined in the SERP) include the period of time before such termination

	
	 date during which Employee was totally disabled. Furthermore, if on such termination date Employee is not yet eligible for an early retirement benefit under the SERP,
Employee will be entitled to benefits under the SERP the amount of which shall be determined as if his termination date was Employee’s Early Retirement Date (as such term is defined in the SERP); provided, these provisions shall not affect the
timing or form of his SERP distributions, which shall be determined solely under the terms of the SERP.

  

	3.	Paragraphs 13.A(2)(a) and (b) of the Employment Agreement hereby are amended by deleting said paragraphs in their entirety and by substituting in lieu thereof the following:

  

	
	 (a)        upon Employee’s separation from service, pay Employee
his base salary as provided for in Paragraph 5 of this Agreement up to the end of the scheduled term of this Agreement; provided, if at the time Employee has a separation from service (such that his Benefit Commencement Date under the SERP has
occurred) Employee has attained his Maximum Retirement Benefit Date, all payments being paid or payable under this subparagraph (a) shall cease or not commence, as applicable. Such amount, if any, payable under this subparagraph (a) for
the period after his Actual Termination Date will be paid in accordance with the regular payroll schedule applicable to all other similarly-situated active executive employees of Corporation commencing with the next regularly scheduled payday, with
any portion of such amount that is not exempt from Section 409A and that is otherwise payable within the six (6)-month period beginning on the date of his separation from service being paid in a lump sum upon the day after the six (6)-month
anniversary of his separation from service.
  
 (b)        pay Employee an amount equal to a portion of his performance bonus compensation as provided for in Paragraph 7 of this Agreement prorated based on the number of
days through the end of the scheduled term of this Agreement; provided, if at the time Employee has a separation from service (such that his Benefit Commencement Date under the SERP has occurred) Employee has attained his Maximum Retirement Benefit
Date, all payments being paid or payable under this subparagraph (b) shall cease or not commence, as applicable. The amount of such bonus payable under this subparagraph (b), if any, will be paid to Employee pursuant to the terms and customary
operations of the Management Incentive Program (or other applicable bonus program) except that Employee’s performance will be deemed to be at target while actual performance of Corporation will be applied; provided, if the scheduled term of
this Agreement ends after the calendar year in which the notice of termination is given, (i) the bonus payment for the calendar year in which such notice is given will be paid without any proration; (ii) the amount of the bonus payment (if
any) for the calendar year (the “Middle Year”) immediately after the calendar year in which such notice is given and before the calendar year in which the scheduled term of this Agreement ends, will be paid without any proration and will
be paid upon Employee’s separation from service in a lump sum between January 1 and March 15, inclusive, of the calendar year following the Middle Year or, if later and the payment is not exempt from Section 409A, upon the day
after the six (6)-month anniversary of his separation from service; and (iii) the amount of the bonus payment for the calendar year in which the scheduled term of this Agreement ends will be calculated on a pro rata basis, using the number of
days elapsed during such calendar year through the end of the scheduled term of this Agreement, and will be paid upon Employee’s separation from service in a lump sum between January 1 and March 15, inclusive, of the calendar year
following the calendar year in which the scheduled term of this Agreement ends or, if later and the payment is not exempt from Section 409A, upon the day after the six (6)-month anniversary of his separation from
service;

  
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	4.	Paragraph 18.B(3) of the Employment Agreement hereby is amended by deleting said paragraph in its entirety and by substituting in lieu thereof the following:

  

	
	 (3)        In consideration for the Employee’s obligations under subparagraph F to refrain from
competing with the Corporation and in lieu of any further salary payments to Employee for periods subsequent to the Termination Date, the Corporation shall pay to Employee, immediately after the Termination Date, a lump sum payment, in cash, equal
to three (3) times the sum of (i) Employee’s annual base salary in effect immediately prior to the Change in Control and (ii) the higher of the amount paid to Employee pursuant to the Corporation’s Management Incentive Plan
(or any successor plan thereto) for the year preceding the year in which the Termination Date occurs or paid in the year preceding the year in which the Change in Control occurs; provided, if Employee’s separation from service occurs more than
twenty-four (24) months after the Change in Control, only the portion of such lump-sum severance payment in excess of the total amount that would have been payable under paragraphs 13.A(2)(a) and (b) shall be paid pursuant to the terms
hereinabove, and the remainder shall be paid pursuant to the terms of Paragraphs 13.A(2)(a) and (b) as if no Change in Control had occurred; and, provided further, to the extent any amount of such lump-sum amount payable after the Termination
Date is not exempt from Section 409A, such amount will be paid upon the day after the six (6)-month anniversary of Employee’s separation from service; provided further, if upon his Termination Date Employee has attained his Maximum
Retirement Benefit Date, no amount shall be payable under this subparagraph 3.

  

	5.	This amendment shall be effective as of March 15, 2011. 

  

	6.	Except as specifically amended hereby, the Employment Agreement shall remain in full force and effect. 

IN WITNESS WHEREOF, Corporation has hereunto caused its name to be signed and its seal to be affixed by its duly authorized officers, and
Employee has hereunto set his hand and seal, all being done in duplicate originals, with one original being delivered to each party as of the 15th day of March, 2011. 
  

			
	AFLAC Incorporated	 	
		
	    /s/ Daniel P. Amos	 	 
	DANIEL P. AMOS, Chairman and	 	
	Chief Executive Officer	 	
		
	ATTEST:	 	
		
	    /s/ Joey M. Loudermilk	 	 
	Joey M. Loudermilk	 	
	Corporate Secretary	 	
		
	CORPORATE SEAL	 	
		
	Employee	 	
		
	    /s/ Kriss Cloninger III	 	(L.S.)
	KRISS CLONINGER III	 	
		
	    /s/ Tom McKenna	 	 
	WITNESS	 	

  
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