Document:

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                                                                    Exhibit 10.2

                               AGREEMENT OF LEASE

                                     BETWEEN

                                  ADVANTA CORP.

                                       AND

                                ROSEMARY CAUCHON
<PAGE>
         AGREEMENT OF LEASE made as of this 1st day of January, 2002 by and
between ADVANTA CORP., a Delaware corporation (hereinafter called "Landlord")
and ROSEMARY CAUCHON, an individual (hereinafter called "Tenant").

         For and in consideration of the agreements contained in this Lease,
Landlord and Tenant, intending to be legally bound, agree as follows:

         1. Premises. Landlord does hereby lease to Tenant and Tenant does
hereby lease from Landlord, for the term and upon the terms and conditions in
this Lease, the condominium unit of Landlord referred to as Unit "B" in that
certain Declaration of Condominium of Kemmerer Mansion Condominium dated January
17, 1986, recorded with the Recorder of Deeds of Delaware County in Deed Book
305, page 345 and shown as such in the Declaration Plan dated November 22, 1985,
last revised January 16, 1986 and recorded in Delaware County in Condominium
Plan Book 14 page 408 (collectively, the "Declaration"), which unit has an
address of 408 Barbara Lane, Radnor Township, Delaware County, Pennsylvania,
together with Landlord's proportionate undivided interest in the Common Elements
(as defined in the Declaration), together with all equipment, furniture and
furnishings located at the property and made available by, paid for or purchased
by, Landlord for Tenant's use thereon (collectively, the "Premises").

         2. Term. The term of this Lease shall commence on the date of this
Lease and shall end, without the necessity for notice from either party to the
other, on the first of the following events to occur: (a) Tenant shall cease to
be employed by Advanta Bank Corp., (b) Tenant shall cease to maintain her
principal place of residence in the Baltimore area or (c) Tenant shall purchase
the Premises from Landlord under the terms of this Lease. Tenant shall have a
reasonable period of time after any lease termination, not to exceed thirty (30)
days, during which she will have access to the Premises for the purpose of
removing her personal property.

         3. Minimum Rent. Tenant shall pay to Landlord as minimum rent the sum
of Ten Dollars ($10.00) per annum, payable in advance, on the first day of each
calendar year during the term of this Lease.

         4. Care of the Premises. Tenant shall maintain the Premises and shall
cause any necessary repairs or replacements to be made to maintain the Premises
in good working order and condition, ordinary wear and tear excepted. Tenant
shall advise Landlord of any necessary repair or replacement which is estimated
to cost more than $1,000.00 in the aggregate or would otherwise require a
structural change or repair to the Premises, which in each case shall be subject
to Landlord's reasonable approval. Landlord shall reimburse Tenant for the cost
of any such maintenance or repair, upon Tenant's request made in accordance with
Landlord's reimbursement policies and procedures.

         5. Insurance.

                  (a) Landlord's Insurance. Landlord shall maintain at its
expense an all risk casualty insurance policy in an amount not less than the
full insurable value of all improvements and personalty on the Premises
(excluding Tenant's personal property) and such other insurance
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as Landlord may be required to maintain under the Condominium Documents. At
Tenant's request, Landlord shall provide Tenant with evidence of such insurance
at least annually.

                  (b) Tenant's Insurance. Tenant shall maintain at her expense
renter's insurance in an amount not less than the full insurable value of her
personal property in the Premises. Tenant shall carry a general liability
insurance policy with coverage limits of not less than Two Hundred and Fifty
Thousand Dollars ($250,000) per occurrence and shall name Landlord as an
additional insured on such policy. At Landlord's request, Tenant shall provide
Landlord with a certificate evidencing such insurance at least annually.
Landlord will reimburse Tenant for the cost of such insurance upon Tenant's
request made in accordance with Landlord's reimbursement policies and
procedures.

         6. Improvement and Restoration of the Premises.

                  (a) Improvements. All improvements, repairs, equipment,
furnishings and other property attached to the Premises or any part thereof made
or installed on the Premises by or on behalf of Tenant at Landlord's expense
shall become part of the Premises and the property of Landlord without any
additional payment by Landlord and shall be surrendered to Landlord upon the
expiration or earlier termination of the term of this Lease.

                  (b) Restoration of Fire Damage. If the building or other
improvements on the Premises are damaged or destroyed by fire or other casualty,
this Lease will terminate unless Landlord and Tenant mutually agree in writing
to restore the Premises and extend the term of this Lease.

         7. Landlord's Right of Entry. Upon Landlord's request, Tenant agrees to
permit Landlord and the authorized representatives of Landlord to enter the
Premises from time to time as needed at reasonable times on reasonable notice.

         8. Utility and Maintenance Charges. Tenant shall pay the rents and
charges for water and sewer services and the costs and charges for gas, heat,
light, electricity and power and any other utility or service used or consumed
in or servicing the Premises, including any required landscaping services, and
all other costs and expenses involved in the care, management and use of the
Premises. Landlord shall reimburse Tenant for such costs and expenses upon
Tenant's request made in accordance with Landlord's reimbursement policies and
procedures.

         9. Landlord's Responsibilities. While Landlord shall not be required to
render services of any kind to Tenant under this Lease, upon Tenant's request
made in accordance with Landlord's reimbursement policies and procedures,
Landlord shall reimburse Tenant for the cost of services provided by third
parties to Tenant in accordance with the provisions of this Lease. As owner of
the Premises, Landlord shall also pay all real estate taxes due for the Premises
and any fees due under the Condominium Documents.

         10. Governmental and Other Regulations. Tenant shall use and keep the
Premises in compliance with applicable requirements of federal, state and
municipal governments and will observe and comply with applicable requirements
of insurance policies in force with respect to the Premises. Tenant also
acknowledges that she has received a copy of the Declaration and the Bylaws of
Kemmerer Mansion Condominium (collectively, the "Condominium Documents")
<PAGE>
and, during the term of this Lease, she will not do anything, or permit anything
to be done, that would violate the Condominium Documents.

         11. Use of Premises. Tenant shall use the Premises only as a one-family
private dwelling for herself and her family.

         12. Mechanics' Liens, etc. Tenant shall not allow any mechanics or
other lien to be filed against the Premises for repairs ordered or arranged by
Tenant.

         13. Mutual Releases; Waiver of Subrogation.

                  (a) Releases. Landlord shall not be liable for, and Tenant
releases Landlord from, all claims for loss of life, personal injury or damage
to property sustained by Tenant or any person claiming by, through or under
Tenant resulting from fire, accident, occurrence or condition in, on or about
the Premises, except for any negligence of Landlord. Tenant shall not be liable
for, and Landlord releases Tenant from, all claims for loss of life, personal
injury or damage to property sustained by Landlord or any person claiming by,
through or under Landlord resulting from fire, accident, occurrence or condition
in, on or about the Premises, except for any negligence of Tenant.

                  (b) Waiver of Subrogation. Notwithstanding any other provision
of this Lease, each party hereby waives any claim against the other for damage
to property by insurable casualty, it being understood that each party will look
to the proceeds, if any, of insurance and that the insurers will not be entitled
to recover from the other party hereunder for such damage, by way of subrogation
or otherwise.

         14. Condemnation.

                  (a) Condemnation of Premises. If all or any material part of
the Premises is taken or condemned for a public or quasi-public use, this Lease
will terminate unless Landlord and Tenant otherwise mutually agree in writing to
extend the term of this Lease.

                  (b) Award. Tenant shall have the right to make a claim against
the condemning authority for moving and related expenses which are payable to
tenants under Pennsylvania law. Tenant hereby waives any claims against Landlord
and any other claims against the condemning authority, and Tenant assigns to
Landlord all claims against the condemning authority including all claims for
leasehold damages and reduction in the value of Tenant's leasehold interest, but
excluding the claims for moving and related expenses under the first sentence of
this Section.

         15. Assignment and Subletting. Tenant shall not assign this Lease, or
sublet all or any part of the Premises. Tenant acknowledges that any rights to
occupancy of the Premises by her spouse or other members of her family are
derived from and subject to her rights as Tenant under this Lease.

         16. Notices; Payment of Rent.

<PAGE>
                  (a) Each notice or other communication required or permitted
under this Lease will be in writing and, unless and until otherwise specified in
a written notice by the party to receive it, shall be sent to the parties at the
following respective addresses:

                           if intended for Tenant:

                                    At the Premises

                           if intended for Landlord:

                                    Advanta Corp.
                                    Welsh & McKean Roads
                                    P.O. Box 844
                                    Spring House, PA  19477-0844
                                    Attn:  Marcia M. Wilf, Esquire

Notices may be given on behalf of any party by its legal counsel.

                  (b) Each such communication shall be properly given for all
purposes if (i) hand delivered or (ii) delivered to a nationally recognized
overnight courier service for next business day (or sooner) delivery.

                  (c) All payments of rent and any other charges under this
Lease shall be paid to Landlord at the address of Landlord provided in this
Section.

         17. Condition of Premises. Tenant accepts the Premises in the condition
or state in which they are as of the date of this Lease, without representation,
covenant or warranty, express or implied, in fact or in law, by Landlord.

         18. Surrender. Tenant agrees that when this Lease ends Tenant shall
leave the Premises and return them to Landlord in the same condition and repair
in which they are required to be kept during the term of this Lease, ordinary
wear and tear excepted.

         19. Agreement Dependent on Employment. This Lease is made pursuant to
the letter agreement between the parties dated September 26, 2001 relating to
the employment of Tenant at Advanta and, if Tenant shall for any reason cease to
be employed by Advanta Bank Corp.or if Tenant shall for any reason cease to
maintain her principal residence in the Baltimore area, this Lease shall
terminate. This Lease may not be modified in any manner except by a paper signed
by the party against which such modification is to be enforced.

         20. Tenant's Right to Purchase the Premises. At any time during the
term of this Lease upon 30 days notice to Landlord, Tenant shall have the right
to purchase the Premises "as-is" from Landlord upon payment of a purchase price
equal to (i) the total of all sums actually paid by Landlord (or reimbursed to
Tenant) for or in regard to the Premises, excluding condominium fees, taxes,
insurance and ordinary operating, repair and maintenance costs, but including
closing costs paid by Landlord and (ii) the depreciated "book value" (as it
appears on Advanta's books as of the month in which the closing occurs) of all
equipment, furnishings, fixtures and improvements to the Premises paid for by
Landlord, together with interest thereon at

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the rate of 5% per annum from the date expended by Landlord through the date of
Tenant's purchase. Closing shall occur on a mutually satisfactory date within 45
days after Landlord's receipt of Tenant's notice of her election to purchase.
The Premises, including all improvements, equipment, furniture and furnishings
paid for by Landlord (or for which Landlord reimbursed Tenant), shall be
conveyed to Tenant at Closing, "as-is", without representations or warranties,
but otherwise on customary terms and conditions for the sale of residential real
estate in the Philadelphia area.

         21. Representation in Condominium Association. During the term of this
Lease, Tenant shall be entitled to be Landlord's representative in the Kemmerer
Mansion Condominium Association and shall have Landlord's proxy to vote on
Landlord's behalf as if she were the owner of the Property at any meeting of the
Association or the Executive Board of the Association. However, prior to any
such voting, Tenant agrees to submit a copy of the Association's meeting agenda,
if any, to Landlord and to discuss with Landlord any potential issues
anticipated to arise at the meeting so Landlord can be informed. Tenant also
agrees that she will obtain Landlord's prior approval before she votes on any
matter in which her vote would have the effect of materially amending the
Condominium Documents or materially increasing Landlord's future obligations for
condominium fees or assessments. Tenant understands that Landlord may send a
representative to any Association meeting notwithstanding the proxy granted to
Tenant.

         To show that they agree, the parties have signed this Lease under seal
on the day and year at the top of the first page.

<TABLE>
<CAPTION>
Landlord:                                                     Tenant:
<S>                                                           <C>
Advanta Corp.

By:       Marcia M. Wilf                     (SEAL)                 Rosemary Cauchon                      (SEAL)
--------------------------------------------                  --------------------------------------------
         Name:  Marcia M. Wilf                                Rosemary Cauchon
         Title: Vice President,
                Corporate Administration
</TABLE><PAGE>
                                                                   Exhibit 10(A)

                    VF CORPORATION DEFERRED COMPENSATION PLAN

                 (AMENDED AND RESTATED AS OF DECEMBER 31, 2001)

                  The VF Corporation Deferred Compensation Plan, amended and
restated as of December 31, 2001 (the "Plan") has been adopted by VF Corporation
and certain Participating Employers to allow senior executive personnel who are
among a select group of management or highly compensated employees to defer
their compensation. The intention of VF Corporation and the Participating
Employers is that the Plan be at all times maintained on an unfunded basis for
federal income tax purposes under the Internal Revenue Code of 1986 as amended
(the "Code") and administered as a "top hat" plan, exempt from the substantive
requirements of the Employee Retirement Income Security Act of 1974, as amended.

I.       DEFINITIONS.

         Unless otherwise required by the context, the terms used herein shall
have the meanings as set forth below:

         1. AGREEMENT: A Deferred Compensation Agreement between a Participant
and a Participating Employer pursuant to this Plan.

         2. BENEFICIARY: The individual or entity named pursuant to the Plan to
receive benefit payments hereunder in the event of the death of the Participant.

         3. COMMITTEE: The VF Corporation Pension Plan Committee, as appointed
from time to time by the Board of Directors of the Company.

         4. COMPANY: VF Corporation, a Pennsylvania corporation.

         5. COMPENSATION: The Participant's total salary, including any cash
bonus payments made to a Participant by a Participating Employer in a Plan Year
under a Participating Employer's performance-based incentive compensation plans.
For purposes of the Plan, Compensation shall be determined without regard to any
other salary or bonus deferrals or reductions which may be made by a Participant
to any other plan or program maintained by a Participating Employer. However,
Compensation shall not include any reimbursement for expenses paid to a
Participant by a Participating Employer nor shall it include any payments or
contributions made by a Participating Employer to a plan or arrangement, on
behalf of a Participant, which results in imputed income to the Participant for
federal income tax purposes.

         6. DEFERRED COMPENSATION: The portion of a Participant's Compensation
which has been deferred pursuant to the Plan and any Interest Equivalents which
are attributable thereto.

         7. DEFERRED COMPENSATION ACCOUNT: A book reserve account maintained by
the Participating Employer for the account of the Participant.
<PAGE>
         8. INTEREST EQUIVALENT: A rate of interest equal to the average yield
of "A" rated Corporate Bonds Medium Term, or any other appropriate index as may
be determined by the Committee from time to time. Interest is to be recorded in
the Participant's Deferred Compensation Account on a quarterly basis.

         9. PARTICIPANT: An eligible employee who voluntarily agrees to
participate in this Plan in accordance with its provisions.

         10. PARTICIPATING EMPLOYER: The Company and each related company or
business the eligible employees of which are designated by the Committee or its
designee to participate in this Plan and which, by appropriate action, has
agreed to participate in the Plan.

         11. PAYMENT METHOD: The form of payment of the Participant's Deferred
Compensation.

         12. PERIODIC INSTALLMENTS: Annual payments (not to exceed ten) of
Deferred Compensation to a Participant or his or her Beneficiary.

         13. PLAN: The VF Corporation Deferred Compensation Plan, amended and
restated effective December 31, 2001 and as it may be amended subsequently from
time to time.

         14. PLAN YEAR: The calendar year.

         15. RETIREMENT: A Participant's voluntary resignation under
circumstances making him or her immediately eligible to receive pension payments
under the VF Pension Plan.

         16. SOCIAL SECURITY WAGE BASE: The applicable dollar amount, for the
Plan Year, of the contribution and benefit base as determined under section 230
of the Social Security Act.

         17. SPOUSE: The person to whom the Participant is legally married at
the time relevant to any determination under the Plan.

                                      -2-
<PAGE>
II.      ELECTION TO DEFER COMPENSATION.

         Section 2.01. ELECTION. During the December immediately prior to the
following Plan Year, or at such other time or times as the Committee may
determine, each Participant, unless suspended as a result of electing an early
withdrawal pursuant to Section 3.04, shall be given the opportunity to elect, on
forms supplied by the Committee, the manner and extent to which the
Participant's Compensation for such following Plan Year shall be deferred under
this Plan. For Plan Years beginning on or after January 1, 2003, a Participant
may not elect to defer an amount under this Plan that, when aggregated with any
similar amount deferred under any other nonqualified deferred compensation plan
maintained by the Company, would either (a) with regard to annual salary, result
in a reduction of his or her annual salary below the lesser of: (1) the Social
Security Wage Base, or (2) fifty percent (50%) of annual salary or (b) with
regard to bonuses, exceed one hundred percent (100%) of a cash bonus payment
that qualifies as Compensation. Failure of a Participant to make an effective
election by any date fixed by the Committee shall preclude such person from
participating in the Plan with respect to his or her Compensation for the next
Plan Year, unless otherwise determined by the Committee in its sole discretion.
Each Participant shall execute and deliver to the Committee an Agreement upon
his or her initial participation in the Plan and as thereafter required by the
Committee. An effective Agreement shall be a condition precedent to a
Participant's inclusion in the Plan.

         Section 2.02. CHANGE OF ELECTION. Unless suspended as a result of
electing an early withdrawal pursuant to Section 3.04, a Participant, by
submitting a written election form to the Committee prior to the first day of
the calendar quarter during any Plan Year, may request a change in the
percentage or amount of Compensation to be deferred during such calendar quarter
and for the remainder of the Plan Year. If the Committee consents, such change
shall become effective as of the first day of the calendar quarter to which the
election relates.

         Section 2.03. PARTICIPATION IN MORE THAN ONE PLAN. In the event that a
Participant in this Plan also participates in another nonqualified deferred
compensation plan sponsored by VF Corporation and such Participant is suspended
from deferring compensation under the other plan as a result of taking an early
withdrawal, such individual shall not be permitted to increase the amount
subject to any deferral election already in effect under this Plan without the
consent of the Committee.

         Section 2.04. DISTRIBUTION DATE. A Participant may defer Compensation
until (1) the attainment of an age specified by the Participant, (2) the
expiration of a specified period of time or (3) the Participant's Retirement.
Notwithstanding the foregoing, however, if a Participant's employment is
terminated for any reason other than Retirement prior to the time or event
specified by the Participant, his or her Deferred Compensation shall be payable
as a result of such termination of employment as provided in Section 3.01. For
these purposes, a termination of employment does not occur if a Participant
transfers to another Participating Employer or to any related company or
enterprise.

                                      -3-
<PAGE>
         Section 2.05. ACCRUAL OF INTEREST. From and after the commencement of
accrual of Deferred Compensation for any Plan Year, Interest Equivalents on all
unpaid Deferred Compensation shall be computed quarterly and credited to the
Participant's Deferred Compensation Account.

III.     PAYMENT OF DEFERRED COMPENSATION.

         Section 3.01. TIME OF PAYMENT. Deferred Compensation shall be paid to a
Participant at the time or event specified by the Participant pursuant to
Section 2.04 and in the Payment Method described in Section 3.02. If, however,
the Participant's employment is terminated for any reason other than Retirement
prior to such time or event, Deferred Compensation shall be payable to the
Participant or, if applicable, the Participant's Beneficiary as a result of such
termination of employment, but shall not be available to him or her prior to the
ninetieth (90th) day following such termination of employment.

         Section 3.02. PAYMENT METHOD. The normal form of Payment Method shall
be a lump sum. Notwithstanding the foregoing, a Participant (or, if applicable,
the Participant's Beneficiary) may request, by filing an application in writing
to the Committee, that the Payment Method be Periodic Installments. Such written
application must be made to the Committee at least sixty (60) days prior to the
payment date described in Section 3.01, and the decision to grant or deny the
requested Payment Method shall be at the sole discretion of the Committee taking
into account the interests of the Participant, the Company and, if applicable,
the Participating Employer.

         Section 3.03. ACCELERATION OF PAYMENT. Payment of Deferred Compensation
may be accelerated, in whole or in part, upon approval of the Committee in the
following circumstances:

                  (a) Unforeseeable Emergency. The Participant shall file a
written request to the Committee, and the Committee shall determine in its sole
discretion if an unforeseeable emergency exists, based on the facts of each
case. For this purpose, "unforeseeable emergency" means severe financial
hardship to the Participant resulting from a sudden and unexpected illness or
accident involving the Participant, his or her Spouse or member of immediate
family, loss of the Participant's property due to casualty, or other similar
extraordinary or unforeseeable circumstance arising as a result of events beyond
the control of the Participant; provided that distribution shall not be made to
the extent such hardship is or may be relieved through reimbursement or
compensation by insurance or otherwise, by liquidation of the Participant's
assets (to the extent such liquidation would not itself cause severe financial
hardship), or by cessation of the Participant's current deferrals under the
Plan.

                  (b) Postretirement Deferrals. If Deferred Compensation would
otherwise be payable to a Participant at specified times or events following the
Participant's Retirement, he or she may request that such Deferred Compensation
instead be paid either in

                                      -4-
<PAGE>
lump sum at Retirement or in Periodic Installments commencing at Retirement.
Such request must be made by written application to the Committee at least sixty
(60) days prior to the Participant's Retirement and the decision to grant or
deny the Participant's request shall be made in the sole discretion of the
Committee taking into account the interests of the Participant, the Company and,
if applicable, the Participating Employer.

         Section 3.04 EARLY WITHDRAWAL. Subject to the terms and conditions
described in this Section 3.04, a distribution shall be made to a Participant of
his or her Deferred Compensation in the form of a partial or complete early
withdrawal, provided, however, that a Participant who has terminated employment
or has entered Retirement shall not be permitted to take a partial early
withdrawal. To elect a partial or complete early withdrawal, a Participant shall
file a written election with the Committee in advance of the proposed early
withdrawal date. The election shall be made on a form supplied by the Committee,
which at minimum shall require that the Participant specify the amount of the
early withdrawal. A Participant may elect no more than two early withdrawals
during any continuous eighteen-month period.

                  (a) Partial Early Withdrawal. A Participant may elect a
partial early withdrawal in an amount no less than $25,000 and no more than 75%
of the Participant's Deferred Compensation. Such minimum and maximum amounts
shall be determined without regard to the forfeited amount described herein.
Notwithstanding any provision herein to the contrary, any Participant who
receives a partial early withdrawal shall (i) forfeit from the amount withdrawn
an amount equal to six percent (6%) of the amount withdrawn (provided, however,
that the amount forfeited shall not exceed $50,000), and (ii) be suspended from
deferring Compensation under the Plan for a period of at least six (6) months
commencing with the date of withdrawal as follows:

                        (i) if the Participant withdraws $833,000 or less, the
Participant shall be suspended from deferring Compensation under the Plan for a
period of six (6) months, and

                        (ii) if the Participant withdraws more than $833,000,
the six (6) month suspension period described in Subsection (i) above shall be
extended for an additional period of months equal to the product of (x) the
percentage of the Participant's Deferred Compensation that was withdrawn
hereunder in excess of $833,000, times (y) six (6) (with fractional months
rounded up to the next whole month).

                  (b) Complete Early Withdrawal. A Participant may elect to take
a complete early withdrawal of his or her total Deferred Compensation.
Notwithstanding any provision herein to the contrary, any Participant who
receives a complete early withdrawal shall (i) forfeit from the amount withdrawn
an amount equal to six percent (6%) of the amount withdrawn (provided, however,
that the amount forfeited from the amount withdrawn shall not exceed $50,000),
and (ii) be suspended from deferring Compensation for a period of twelve (12)
months, commencing with the date of withdrawal. A Beneficiary of a deceased
Participant also shall be permitted to elect a complete early withdrawal and in
such circumstances shall forfeit

                                      -5-
<PAGE>
the amount described in (i) herein.

         Section 3.05. BENEFICIARY. Each Participant shall designate a
Beneficiary (along with alternate beneficiaries) to whom, in the event of the
Participant's death, any benefit is payable hereunder. Each Participant has the
right to change any designation of Beneficiary and such change automatically
revokes any prior designation. A designation or change of Beneficiary must be in
writing on forms supplied by the Committee and any change of Beneficiary shall
not become effective until filed with the Committee; provided, however, that the
Committee shall not recognize the validity of any designation received after the
death of the Participant. The interest of any Beneficiary who dies before the
Participant shall terminate unless otherwise provided. If a Beneficiary is not
validly designated, or is not living or cannot be found at the date of payment,
any amount payable pursuant to this Plan shall be paid to the Spouse of the
Participant if living at the time of payment, otherwise in equal shares to such
of the children of the Participant as may be living at the time of payment;
provided, however, that if there is no surviving Spouse or child at the time of
payment, such payment shall be made to the estate of the Participant.

IV.      FUNDING STATUS.

         This Plan is unfunded. All obligations hereunder shall constitute an
unsecured promise of the Participating Employer, to pay a Participant's benefit
out of general assets, subject to all of the terms and conditions of the Plan,
as amended from time to time. A Participant shall have no greater right to
benefits provided hereunder than that of any unsecured general creditor of the
Participating Employer.

V.       ADMINISTRATION.

         Section 5.01. POWERS AND RESPONSIBILITIES. The Plan shall be
administered by the Committee which shall have the following powers and
responsibilities.

                  (a) to amend the Plan;

                  (b) to terminate the Plan;

                  (c) to construe the Plan, make factual determinations,
         consider requests made by Participants, correct defects, and take any
         and all similar actions considered by the Committee to be necessary to
         administer the Plan, with any instructions or interpretations of the
         Plan made in good faith by the Committee to be final and conclusive for
         all purposes;

                  (d) determine the investment options which may be utilized
         under the Plan, including any default option to be utilized if a
         Participant makes no investment request;

                                      -6-
<PAGE>
                  (e) to designate a related company or business as a
         Participating Employer and to revoke such status if, in the Committee's
         discretion, such action is in the best interest of the Company; and

                  (f) to take all other actions and do all other things which
         are considered by the Committee to be necessary to the administration
         of the Plan.

         Section 5.02. ACTIONS CONCLUSIVE. The Committee shall have complete
discretion in carrying out its powers and responsibilities under the Plan, and
its exercise of discretion hereunder shall be final and conclusive.

         Section 5.03. DELEGATION. The Committee may, in writing, delegate some
or all of its powers and responsibilities to any other person or entity.

         Section 5.04. MEETINGS. The Committee may hold meetings upon such
notice, at such time or times, and at such place or places as it may determine.
The majority of the members of the Committee at the time in office shall
constitute a quorum for the transaction of business at all meetings and a
majority vote of those present and constituting a quorum at any meeting shall be
required for action. The Committee may also act by written consent of a majority
of its members.

         Section 5.05. RULES OF ADMINISTRATION. The Committee may adopt such
rules for administration of the Plan as is considered desirable, provided they
do not conflict with the Plan.

         Section 5.06. AGENTS. The Committee may retain such counsel, and
actuarial, medical, accounting, clerical and other services as it may require to
carry out the provisions and purposes of the Plan.

         Section 5.07. RELIANCE. The Committee shall be entitled to rely upon
all tables, valuations, certificates, and reports furnished by any duly
appointed auditor, or actuary, upon all certificates and reports made by any
investment manager, or any duly appointed accountant, and upon all opinions
given by any duly appointed legal counsel.

         Section 5.08. LIABILITY AND INDEMNIFICATION. No member of the Committee
shall be personally liable by virtue of any instrument executed by the member,
or on the member's behalf, as a member of the Committee. Neither the Company nor
a Participating Employer, nor any of their respective officers or directors, nor
any member of the Committee, shall be personally liable for any action or
inaction with respect to any duty or responsibility imposed upon such person by
the terms of the Plan except when the same is finally judicially determined to
be due to the self dealing, willful misconduct or recklessness of such person.
The Company shall indemnify and hold harmless its officers, directors, and those
of any Participating Employer, and each member of the Committee against any and
all claims, losses, damages, expenses (including attorneys' fees and the
advancement thereof), and liability (including, in

                                      -7-
<PAGE>
each case, amounts paid in settlement), arising from any action or failure to
act regarding the Plan, to the greatest extent permitted by applicable law. The
foregoing right of indemnification shall be in addition to any other rights to
which any such person may be entitled.

         Section 5.09. CONFLICT OF INTEREST. If any Participant is a member of
the Committee, he or she shall not participate as a member of the Committee in
any determination under the Plan relating to his or her Deferred Compensation.

VI.      MODIFICATION AND TERMINATION.

         The Committee reserves the right to terminate this Plan at any time or
to modify, amend or suspend it from time to time, such right to include, without
limitation, the right to distribute any and all Deferred Compensation. Any such
termination, modification, amendment or suspension shall be effective at such
date as the Committee may determine and may be effective as to all Participating
Employers, or as to one or more Participating Employers, and their respective
employees. The Committee shall notify all affected Participants of any such
termination, modification, amendment or suspension and, in appropriate
circumstances as determined by the Committee, shall also notify the relevant
Participating Employers. A termination, modification, amendment or suspension
may affect Participants generally, by class or individually, and may apply
irrespective of whether they are past, current or future Participants; provided,
however, that any such action may not eliminate or reduce the Deferred
Compensation of any Participant as of the effective date of such action.

VII.     GENERAL PROVISIONS.

         Section 7.01. NO EMPLOYMENT RIGHT. Nothing contained herein shall be
deemed to give any employee the right to be retained in the service of the
Company or a Participating Employer, as applicable, or to interfere with the
rights of any such employer to discharge any employee at any time.

         Section 7.02. INTEREST NONASSIGNABLE. It is a condition of this Plan,
and all rights of each Participant shall be subject thereto, that no right or
interest of any Participant under this Plan or in his or her Deferred
Compensation (and any Interest Equivalents credited thereto) shall be assignable
or transferable in whole or in part, either directly or by operation of law or
otherwise, including but without limitation, execution, levy, garnishment,
attachment, pledge, bankruptcy, or in any other manner, subject, however, to
applicable law, but excluding devolution by death or mental incompetency, and no
right or interest of any Participant under this Plan or in his or her Deferred
Compensation (and any Interest Equivalents credited thereto) shall be liable for
or subject to any obligation or liability of such Participant, subject, however,
to applicable law.

         Section 7.03. TAXES AND WITHHOLDING. All deferrals and payments of
Deferred Compensation shall be subject to such taxes and other withholdings
(federal, state or

                                      -8-
<PAGE>
local) as may be due thereon, and the determination of the Committee as to
withholding with respect to deferrals and payments shall be binding upon the
Participant and each Beneficiary.

         Section 7.04. SALE OF ASSETS. The sale of all or substantially all of
the assets of a Participating Employer, or a merger, consolidation or
reorganization of the Participating Employer wherein the Participating Employer
is not the surviving corporation, or any other transaction which, in effect,
amounts to a sale of the Participating Employer or voting control thereof, shall
not terminate this Plan or any related Agreements, and the obligations created
hereunder or thereby shall be binding upon the successors and assigns of the
Participating Employer.

         Section 7.05. LEGAL INCAPACITY. If a Participant or Beneficiary
entitled to receive any benefits hereunder is deemed by the Committee or is
adjudged to be legally incapable of giving valid receipt and discharge for such
benefits, the benefits will be paid to such persons as the Committee designates
or to the duly appointed guardian.

         Section 7.06. GOVERNING LAW. This Plan shall be governed by and
construed in accordance with the laws of the Commonwealth of Pennsylvania,
notwithstanding the conflict of law rules applicable therein.

                                      [END]

                                      -9-

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