Document:

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                                                                   EXHIBIT 10(i)

STATE OF ALABAMA           )

JEFFERSON COUNTY           )

                             SOUTHTRUST CORPORATION
                             WALLACE D. MALONE, JR.
          SECOND NONQUALIFIED DEFERRED COMPENSATION PLAN AND AGREEMENT

                  THIS PLAN AND AGREEMENT, by and between SOUTHTRUST
CORPORATION, a Delaware corporation ("SouthTrust") and WALLACE D. MALONE, JR.
("Malone"), as follows:

                              W I T N E S S E T H:

                  WHEREAS, Malone currently serves as Chairman of the Board and
Chief Executive Officer of SouthTrust; and

                  WHEREAS, Malone has agreed to forego any additional pay
increases through December 31, 2003; and

                  WHEREAS, Malone and SouthTrust have agreed that, in addition
to other forms of compensation otherwise agreed to between them, in lieu of any
additional pay increases, SouthTrust shall provide as deferred compensation for
Malone a cash benefit for the life of Malone pursuant to the terms and
provisions set forth in this Plan, the Internal Revenue Code of 1986, as
amended, and all regulations thereunder, and the Employee Retirement Income
Security Act of 1974, as amended and all regulations thereunder ("ERISA"); and

                  WHEREAS, it is intended that the Plan shall remain unfunded
for purposes of Title I of ERISA and for tax purposes; and

                  WHEREAS, SouthTrust has established a trust for the SouthTrust
Corporation Wallace D. Malone, Jr. Second Deferred Compensation Plan and
Agreement (hereinafter referred to as the "Trust") for the purpose of providing
upon the occurrence of certain events, the benefits described under this Plan.

                  NOW, THEREFORE, IN CONSIDERATION OF THE ABOVE PREMISES, and
the mutual covenants hereinafter set forth, faithfully to be kept by the parties
hereto, SouthTrust hereby establishes and adopts the SouthTrust Corporation
Wallace D. Malone, Jr. Second Nonqualified Deferred Compensation Plan and
Agreement, as an unfunded arrangement to provide cash benefits to Malone
pursuant to this Plan.

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                                    ARTICLE 1

                                     PURPOSE

                  The Plan is intended to be an unfunded arrangement for
purposes of Sections 201(2), 301(a)(3) and 401(a)(1) of Title I of ERISA to
provide a method to encourage Malone, who is a highly compensated and key
employee, to forego any additional pay increases through December 31, 2003 and
to provide financial security for Malone upon his termination of employment from
SouthTrust by deferring payment to Malone of the benefits as provided herein.

                                    ARTICLE 2

                                   DEFINITIONS

                  2.1      "Administrator" means the Human Resource Committee of
the Board.

                  2.2      "Board" means the Board of Directors of SouthTrust.

                  2.3      "Change in Control" means any one or more of the
following: (i) when any person or group of persons, directly or indirectly,
becomes the beneficial owner of, or obtain(s) the right to acquire securities of
SouthTrust representing 20% or more of the combined voting power of SouthTrust's
outstanding voting stock; (ii) when there is a change in the majority of the
members of the Board within any twenty-four month period; (iii) when there is
consummated any merger or consolidation which would result in a change in
control under any other provision of this paragraph; (iv) upon the adoption of
any plan or proposal for the liquidation or dissolution of SouthTrust; or (v)
upon the occurrence of any other event that would be required to be reported
under Item 6(e) of Schedule 14A of Regulation 14A of the Securities Exchange Act
of 1934.

                  2.4      "Code" means the Internal Revenue Code of 1986, as
amended.

                  2.5      "Effective Date" of the Plan means the 31st day of
December, 2000.

                  2.6      "Eligible Spouse" means the wife of Malone to whom
Malone is married at the date the benefits to him hereunder commence or to whom
Malone has been married throughout the twelve month period ending on the date of
Malone's death (or, in the event Malone should die as a result of an accidental
bodily injury, the wife of Malone at the date of his death.)

                  2.7      "ERISA" means the Employee Retirement Income Security
Act of 1974, as amended.

                  2.8      "Qualified Joint and Survivor Annuity" means an
annuity for the life of Malone with a survivor annuity for the life of the
Eligible Spouse of Malone which is one-half of the amount of the annuity
payments during the joint lives of Malone and his Eligible Spouse and which is
the actuarial equivalent of a single life annuity for the life of Malone.

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                  2.9      "Plan" means the SouthTrust Corporation Wallace D.
Malone, Jr. Second Nonqualified Deferred Compensation Plan and Agreement
established by this document and any related documents executed by Malone.

                  2.10     "SouthTrust" means SouthTrust Corporation, a
corporation organized and existing under the laws of the State of Delaware, and
any corporate successor thereto, whether by merger, consolidation, liquidation,
or otherwise.

                  2.11     "Trust" means the Trust for the SouthTrust
Corporation Wallace D. Malone, Jr. Second Non-Qualified Deferred Compensation
Plan and Agreement created simultaneously herewith for the benefit of Malone
pursuant to the terms of the Plan.

                                    ARTICLE 3

                                   ELIGIBILITY

                  Malone is a highly compensated employee as defined in Section
414(q) of the Code, shall be the only individual eligible to participate in the
Plan.

ARTICLE 4

ESTABLISHMENT OF TRUST

                  SouthTrust is not required to fund this Agreement. However, it
may do so by setting aside such cash and or other property necessary to pay the
benefits provided hereunder. In any event, however, the rights of Malone shall
be those of an unsecured creditor. Any and all funds which may be set aside by
SouthTrust to satisfy any and all obligations created by this agreement shall be
paid by SouthTrust to the Trustee under the Trust which is, at the date of this
Plan and Agreement, SunTrust Bank, a Georgia corporation ("Trustee").

                                    ARTICLE 5

                               BENEFIT AND FUNDING

                  5.1      Benefit.

                           (a)      Malone shall be entitled to receive the
retirement benefits provided in this Article if he is employed by SouthTrust at
the close of business on December 31, 2000.

                           (b)      Malone shall be entitled to receive an
annual benefit in the amount of $49,820.00 as a straight life annuity for and
during his life, except as otherwise elected as provided hereinbelow in Article
6, upon his termination of employment with SouthTrust, for any reason
whatsoever, on or after the close of business on December 31, 2000, but before
the close of business on June 30, 2001.

                           (c)      Malone shall be entitled to receive an
annual benefit in the amount of $68,486.00 as a straight life annuity for and
during his life, except as otherwise elected as provided

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hereinbelow in Article 6, upon his termination of employment with SouthTrust,
for any reason whatsoever, on or after the close of business on June 30, 2001,
but before the close of business on December, 31, 2001.

                           (d)      Malone shall be entitled to receive an
annual benefit in the amount of $157,386.00 as a straight life annuity for and
during his life, except as otherwise elected as provided hereinbelow in Article
6, upon his termination of employment with SouthTrust, for any reason
whatsoever, on or after the close of business on December 31, 2001, but before
the close of business on June 30, 2002.

                           (e)      Malone shall be entitled to receive an
annual benefit in the amount of $188,481.00 as a straight life annuity for and
during his life, except as otherwise elected as provided hereinbelow in Article
6, upon his termination of employment with SouthTrust, for any reason
whatsoever, on or after the close of business on June 30, 2002, but before the
close of business on December 31, 2002.

                           (f)      Malone shall be entitled to receive an
annual benefit in the amount of $242,611.00 as a straight life annuity for and
during his life, except as otherwise elected as provided hereinbelow in Article
6, upon his termination of employment with SouthTrust, for any reason
whatsoever, on or after the close of business on December 31, 2002, but before
the close of business on June 30, 2003.

                           (g)      Malone shall be entitled to receive an
annual benefit in the amount of $285,386.00 as a straight life annuity for and
during his life, except as otherwise elected as provided hereinbelow in Article
6, upon his termination of employment with SouthTrust, for any reason
whatsoever, on or after the close of business on June 30, 2003, but before the
close of business on December 31, 2003.

                           (h)      Malone shall be entitled to receive an
annual benefit in the amount of $452,351.00 as a straight life annuity for and
during his life, except as otherwise elected as provided hereinbelow in Article
6, upon his termination of employment with SouthTrust, for any reason
whatsoever, on or after the close of business on December 31, 2003.

                  5.2      Death Benefit. If Malone dies before commencing to
receive payment of the benefits hereunder, the Eligible Spouse of Malone shall
be entitled to receive, or commence to receive as of the first day of the month
following Malone's death, the payments that would have been made to such
Eligible Spouse under a Qualified Joint and Survivor Annuity.

                                    ARTICLE 6

                               PAYMENT OF BENEFITS

                  6.1      Any retirement benefits to which Malone shall become
entitled pursuant to Article 5 hereinabove shall commence of the tenth day of
the first month following his termination of employment with SouthTrust.

                  6.2      Any retirement benefits to which Malone shall become
entitled pursuant to Article 5 hereinabove shall be paid in the form of a
straight life annuity for the life of Malone, unless

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Malone elects, at least 180 days prior to his termination of employment, to
receive the actuarial equivalent of the benefit under any one of the optional
forms of benefit provided in the SouthTrust Corporation Revised Retirement
Income Plan.

                                    ARTICLE 7

                                 ADMINISTRATION

                  7.1      Administrator. This Plan shall be administered by the
Administrator.

                  7.2      Administrator's Powers and Duties. The Administrator
shall have the powers and duties to:

                           (a)      Construe and interpret the provisions of the
Plan;

                           (b)      Adopt, amend, or revoke rules and
regulations for the administration of the Plan, provided they are not
inconsistent with the provisions of the Plan;

                           (c)      Provide appropriate parties with such
returns, reports, descriptions and statements as may be required by law, within
the times prescribed by law and to make them available for examination by Malone
when required by law;

                           (d)      Take such other action as may reasonably be
required to administer the Plan in accordance with its terms or as may be
provided for or required by law;

                           (e)      Withhold applicable taxes and file with the
Internal Revenue Service appropriate information returns, with respect to
distributions made from the Plan; and

                           (f)      Appoint and retain such persons, including a
trustee of the Trust, as may be necessary to carry out the functions of the
Administrator.

                           (g)      Upon the occurrence of a Change In Control,
the Administrator shall delegate and the Trustee shall accept any and all
administrative duties created by this Agreement.

                                    ARTICLE 8

                               CLAIMS FOR BENEFITS

                  8.1      Submission of Claim. Claims for benefits under this
Plan are to be submitted to the Administrator.

                  8.2      Notice of Denial of Claim. If a claim for benefits
under this Plan is denied, the Administrator shall provide notice to the
claimant in writing of the denial within 90 days after its submission. The
notice shall be written in a manner calculated to be understood by the claimant
and shall include: (i) the specific reason or reasons for the denial; (ii)
specific reference to the pertinent Plan provisions on which the denial is
based; (ii) a description of any additional material or information

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necessary for the claimant to perfect the claim and an explanation of why such
material or information is necessary; and (iv) an explanation of the Plan's
claims review procedures.

                  8.3      Extension of Time. If special circumstances require
an extension of time for processing the initial claim, a written notice of the
extension and the reason therefor shall be furnished to the claimant before the
end of the initial 90 day period. In no event shall such extension exceed 90
days.

                  8.4      Review of Denial of Claim. The decision on review
shall be made within 60 days of receipt of the request for review, unless
special circumstances require an extension of time for processing, in which case
a decision shall be rendered as soon as possible, but not later than 120 days
after receipt of the request for review. If such an extension of time is
required, written notice of extension shall be furnished to the claimant before
the end of the original 60 day period. The decision on review shall be made in
writing, shall be written in a manner calculated to be understood by the
claimant, and shall include specific references to the provisions of the Plan on
which the denial is based. If the decision on review is not furnished within the
time specified above, the claim shall be deemed denied on review.

                                    ARTICLE 9

                                  MISCELLANEOUS

                  9.1      Amendment to Plan. This Plan may be modified or
amended, in whole or in part, only in writing signed by the parties hereto.

                  9.2      Termination of Plan. This Plan may only be terminated
upon the prior written consent of Malone and SouthTrust.

                  9.3      Unsecured Promise. SouthTrust and Malone acknowledge
that this Plan shall create only an unsecured promise by SouthTrust to Malone to
pay the Benefit provided herein. Until the occurrence of a distribution event,
at which point Malone shall be entitled to receive amounts provided hereunder,
all such amounts shall remain solely the property of SouthTrust, subject only to
the claims of SouthTrust's general creditors.

                  9.4      Assignment of Rights to Benefits. Malone's rights to
the Benefit under the Plan shall not be subject in any manner to anticipation,
alienation, sale, transfer, assignment, pledge, encumbrance, attachment or
garnishment by Malone or by creditors of Malone.

                  9.5      Unfunded Plan. It is the intention of SouthTrust and
Malone that the Plan be unfunded for tax purposes and for purposes of Title I of
ERISA.

                  9.6      Right to Employment. This Plan shall not be construed
as giving Malone any right to continued employment with SouthTrust.

                  9.7      Binding Nature of the Plan. The Plan shall be binding
upon and inure to the benefit of SouthTrust, its successors and assigns, Malone
and his heirs and legal representatives.

                  9.8      Written Notice. Any notice or other communication
required or permitted under the Plan shall be in writing. If directed to
SouthTrust, the notice or communication shall be sent to the Board of SouthTrust
at the principal executive offices of SouthTrust. If directed to Malone, it
shall be sent

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to Malone at the last known address as it appears on SouthTrust's records or, if
Malone is employed by SouthTrust, at the work site, at SouthTrust's option.

                  9.9      Entire Plan. This Plan, as completed and executed by
SouthTrust and Malone, and the Beneficiary Designation Form shall constitute the
entire Plan between SouthTrust and Malone.

                  9.10     Controlling Law. This Plan shall be construed in
accordance with the laws of the State of Alabama.

                  9.11     Expenses. The costs of administering the Plan will be
paid by SouthTrust.

                  9.12     Captions. The captions or headings in this Plan are
made for convenience and general reference only and shall not be construed to
describe, define or limit the scope or intent of the provisions of this Plan.

                  IN WITNESS WHEREOF, SouthTrust Corporation by and through its
duly authorized officers and Malone have caused this instrument to be executed
under seal on the 18th day of October, 2000.

                                             SOUTHTRUST CORPORATION

                                             By /s/ Charles Whitfield, Jr.
                                               --------------------------------
                                               Its Sr. Vice President
                                                  -----------------------------

ATTEST:

/s/ Alton E. Yother
----------------------------------
Its Secretary

[CORPORATE SEAL]

                                             /s/ Wallace D. Malone, Jr.
----------------------------------           ----------------------------------
Witness                                      Wallace D. Malone, Jr.
                                             (MALONE)<PAGE>

                                                                   EXHIBIT 10(j)

                      SPLIT DOLLAR LIFE INSURANCE AGREEMENT

         THIS AGREEMENT, effective as of the 21st day of September, 1999, by and
between SOUTHTRUST CORPORATION, a Delaware corporation (hereinafter referred to
as the "Corporation"); and Wallace Davis Malone, III, as Trustee of the MALONE
CHILDREN'S TRUST dated the 1st day of September, 1999 (hereinafter referred to
as the "Policy Owner").

                              W I T N E S S E T H:

         WHEREAS, Wallace D. Malone, Jr. (hereinafter referred to as the
"Employee") is employed by the Corporation; and

         WHEREAS, the Employee has performed his duties ably and well, and to
the satisfaction and benefit of the Corporation; and

         WHEREAS, the Corporation wishes to participate in the obtaining of life
insurance protection on the Employee's life; and

         WHEREAS, the Employee wishes to obtain life insurance protection on his
life; and

         WHEREAS, the Policy Owner wishes to obtain life insurance protection on
the Employee's life; and

         WHEREAS, the parties desire to have a separate agreement outlining
their rights and obligations with respect to such insurance.

         NOW, THEREFORE, in consideration of the mutual promises and obligations
set forth hereinafter, the parties agree as follows:

<PAGE>

                                   ARTICLE I.

         Policy Owner is the owner of the life insurance policy or policies on
the life of the Employee as listed by the policy number on Exhibit A, attached
hereto (hereinafter referred to as the "Policy"). The Policy is the exclusive
property of the Policy Owner, who, subject to the terms of this Agreement, may
exercise all rights of ownership with respect thereto.

                                   ARTICLE II.

         A.       After the execution of this Agreement, the Corporation shall
pay up to five (5) annual premiums of $1,350,900.00 per year towards the
purchase of the Policy so long the Employee is living. This payment shall be
made on or before the date the premium is due or within the grace period allowed
by the Policy for the payment of premiums and, if requested, the Corporation
shall give proof of timely payment of each premium to the Policy Owner.
Thereafter, the Corporation shall not be responsible for any additional premium
payments due under the Policy.

         B.       Within thirty (30) days after payment by the Corporation of
the premium due on the Policy, the Policy Owner shall remit to the Corporation
the cost of insurance coverage in the amount of the Part B proceeds (as defined
in Article VIII) payable under the Policy. The rate used to determine the cost
of such insurance shall be the economic benefit to the Policy Owner attributable
to the insurance protection on the life of the Employee based on the provisions
of Internal Revenue Service's Revenue Rulings 64-328, 66-110, 55-747, and
67-154.

         C.       Beginning with the eighth (6th) annual premium, any premium
due under the Policy shall be paid by withdrawal from the cash value of the
Policy. The Policy Owner is not required under this Agreement to pay any
premiums towards the purchase of the Policy but may, in

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its discretion, pay as a premium payment on the Policy any amount at any time
which the Policy Owner desires.

         D.       It is acknowledged by the parties that beginning with the due
date of the sixth (6th) annual premium, the Employee will be deemed to have
income for federal income tax purposes each year to the extent of the difference
between the cost of the insurance coverage in the amount of the Part B proceeds
payable under the Policy for that year and the amount, if any, of premium paid
by the Policy Owner during the year and that a gift in the amount of such income
will be deemed to be made by the Employee to the Policy Owner for federal gift
tax purposes.

                                  ARTICLE III.

         The Policy Owner shall collaterally assign the Policy to the
Corporation pursuant to the terms of this Agreement as security for the
repayment by the Policy Owner of certain amounts due to the Corporation as
provided in Article VII and Article VIII of this Agreement. The security
interest of the Corporation shall be limited to an amount equal to the cash
surrender value of the Policy, as reduced by any Policy loans.

                                  ARTICLE IV.

         During the term of this Agreement, the Policy Owner shall cause the
total death benefit payable under the Policy to be an amount not less than the
sum of the face amount of the Policy plus the lesser of (i) the accumulation
value of the Policy (determined without regard to applicable surrender charges)
and (ii) the aggregate unreimbursed amounts paid by the Corporation for the
premiums on the Policy.

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                                   ARTICLE V.

         Should either of the parties to this Agreement deem it desirable,
application may be made for supplemental agreements or riders to be attached to
the Policy. All ownership rights with respect to any such agreements or riders
shall be held by the party making application therefore. Any additional premiums
shall be allocated to and paid by the owner of the agreement or rider. The
proceeds from such agreements or riders shall be payable to the owner thereof.

                                  ARTICLE VI.

         The Policy Owner shall not exercise its right to surrender the Policy
or its right to obtain one or more Policy loans based on the Policy's loan value
without the written consent of the Corporation. The Policy Owner retains all
other rights in the Policy not specifically assigned to the Corporation
including, but not limited to, the following rights:

         A.       The right to change the beneficiary of the Policy.

         B.       The right to select optional methods of settlement with regard
                  to the Part B death benefit provided for in Article VIII.

         C.       The right to assign the rights of the Policy Owner in the
                  Policy.

         D.       All other rights contained in the Policy.

                                  ARTICLE VII.

         In the event of surrender of the Policy during the term of this
Agreement, the Corporation shall receive the Policy's cash surrender value as
defined in the Policy and shall retain

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an amount equal to the sum of Two Million Six Hundred Fourteen Thousand Fifty
Six and no/100 Dollars ($2,614,056.00) plus the aggregate unreimbursed amounts
paid by the Corporation for premiums on the Policy. Any balance of any cash
surrender value received by the Corporation shall be paid to the Policy Owner.
The insurance company shall have no responsibility to ascertain the amount due,
if any, to the Corporation and the Policy Owner under this Agreement and shall
be discharged from all liability in making payment to the Corporation of the
Policy proceeds. The insurance company shall have no responsibility with respect
to the disposition or application of any amount paid by it to the Corporation.
In the event that the cash surrender value has been reduced due to loans then
outstanding pursuant to the Policy Owner's loan rights in the Policy, then the
Policy Owner shall pay to the Corporation such additional amounts as are
necessary to return to the Corporation the entire amount due it under this
Agreement. The Policy Owner may not surrender the Policy without the written
consent of the Corporation.

                                  ARTICLE VIII.

         In the event of the death of the Employee while the Policy and this
Agreement are in force, the proceeds of the Policy shall be divided into two
parts and paid by the insurance company as follows:

         Part A -- An amount shall be paid to the Corporation which shall be an
amount equal to the sum of Two Million Six Hundred Fourteen Thousand Fifty Six
and no/100 Dollars ($2,614,056.00) plus the aggregate unreimbursed amounts paid
by the Corporation for the premiums on the Policy, less the amounts, if any,
that have been received by the Corporation as a beneficiary under the Policy.

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         Part B -- The balance of the proceeds shall be paid to the beneficiary
or beneficiaries designated to receive such balance in accordance with the terms
of the Policy.

         Within sixty days after the death of the Employee, the Corporation
shall provide the insurance company with a written statement indicating the
amount of the Part A proceeds which it is entitled to receive under this Article
VIII, and, if requested by the insurance company, a written release of all its
interest with respect to the proceeds in excess of such amount. The Corporation
shall pay to the beneficiary or beneficiaries of the Part B Proceeds any
proceeds received by the Corporation in excess of the amount due it.

                                   ARTICLE IX.

         A.       This Agreement shall be terminated upon the occurrence of any
of the following events:

                  1.       Upon the sixteenth (16th) anniversary of the issuance
                           of the Policy; or

                  2.       Upon mutual agreement of the Corporation and the
                           Policy Owner.

         B.       If this Agreement is terminated pursuant to A above, the
Policy Owner shall within thirty (30) days from the effective date of such
termination remit to the Corporation the aggregate unreimbursed amounts paid by
the Corporation for the premiums on the Policy, less any amounts received in
respect of the Policy by the Corporation from the insurance company. Upon
receipt of this amount, the Corporation shall release its rights under this
Agreement.

                                       6
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                                   ARTICLE X.

         For purposes of meeting the requirements of the Employee Retirement
Income Security Act of 1974 (hereinafter called "ERISA"), the Corporation is
hereby designated as the "Named Fiduciary" under this Agreement. The Named
Fiduciary shall have authority to control and manage the operation and
administration of this Agreement in compliance with ERISA, and it shall be
responsible for establishing and carrying out a funding policy method consistent
with the requirements of ERISA and the objectives of this Agreement.

                                   ARTICLE XI.

         The Corporation shall make all determinations concerning rights granted
under ERISA to benefits under this Agreement. Any decision by the Corporation
denying a claim by a claimant for benefits under this Agreement shall be stated
in writing and delivered or mailed to the claimant. Such decision shall set
forth specific reasons for denial, written to the best of the Corporation's
ability in a manner that may be understood without legal or actuarial counsel.
In addition, the Corporation shall afford a reasonable opportunity to the
claimant for a full and fair review of the decision denying such claim.

                                  ARTICLE XII.

         The parties agree to execute any documents necessary or proper to carry
out the purpose and intent of this Agreement.

                                       7
<PAGE>

                                  ARTICLE XIII.

         This Agreement shall be binding upon and shall inure to the benefit of
the parties hereto, their heirs, legal representatives, successors, and assigns.

                                  ARTICLE XIV.

         This Agreement embodies all agreements made with respect to the Policy,
and no change, alteration, or modification may be made except in writing by all
parties hereto.

                                  ARTICLE XV.

         This Agreement shall be governed by the laws of the State of Alabama.

                                  ARTICLE XVI.

         The parties agree that this is a private Agreement to which the
insurance company issuing the Policy is not a party and for which it can assume
no responsibility, and therefore, a copy need not be filed with the insurance
company.

                                       8
<PAGE>

         IN WITNESS WHEREOF, the parties hereto have set their hands and seals
effective as of the 21st day of September, 1999.

                                            SOUTHTRUST CORPORATION,
                                            a Delaware corporation

                                            By:  /s/ CHARLES WHITFIELD, JR.
                                               -------------------------------
                                                 SENIOR VICE PRESIDENT
                                               -------------------------------
                                                 Its

                                            (CORPORATION)
ATTEST:

By:  /s/ ALTON E. YOTHER
   ---------------------------
     SECRETARY
   ---------------------------
     Its Secretary

                                            MALONE CHILDREN'S TRUST
                                            dated September 1, 1999

                                            By: /s/ WALLACE D. MALONE
                                               -------------------------------
                                                 Wallace Davis Malone, III
                                                 Its Trustee

                                            (POLICY OWNER)

                                       9

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