Document:

TRANSITION SERVICES AGREEMENT

                                 BY AND BETWEEN

                             SCOTTISH HOLDINGS, INC.

                                       AND

                        EMPLOYERS REINSURANCE CORPORATION

                            Dated as of _______, 2003

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                                TABLE OF CONTENTS

ARTICLE I. DEFINITIONS.........................................................1

ARTICLE II. APPOINTMENT; STANDARDS.............................................3

     Section 2.01.  Appointment and Acceptance of Appointment..................3
     Section 2.02.  Standards..................................................4

ARTICLE III. TERMINATION.......................................................4

     Section 3.01.  Termination................................................4
     Section 3.02.  Consultation...............................................4
     Section 3.03.  Effect of Termination......................................4
     Section 3.04.  Additional Termination Provisions..........................5

ARTICLE IV. TRANSITION SERVICES AND OTHER ARRANGEMENTS.........................5

     Section 4.01.  Independent Contractor.....................................5
     Section 4.02.  Transition Services........................................5
     Section 4.03.  Separation Services........................................6
     Section 4.04.  Special Projects...........................................6
     Section 4.05.  Additional Agreement.......................................6
     Section 4.06.  Non-Exclusivity............................................7

ARTICLE V. LIMITATION OF LIABILITY.............................................7

     Section 5.01.  Limited Liability of a Provider............................7
     Section 5.02.  Additional Limitation on Liability.........................7

ARTICLE VI. PRICING............................................................7

     Section 6.01.  Costs and Disbursements....................................7
     Section 6.02.  Invoices...................................................8

ARTICLE VII. REPRESENTATIONS AND WARRANTIES....................................8

     Section 7.01.  Non-Infringement...........................................8
     Section 7.02.  Compliance with Laws and Privacy and Security Policies.....8
     Section 7.03.  Disclaimer of Implied Warranties and Covenants.............8

ARTICLE VIII. COVENANTS........................................................9

     Section 8.01.  Non-Infringement...........................................9
     Section 8.02.  Capability and Lack of Harmful Components..................9
     Section 8.03.  Compliance with Privacy and Security Policies..............9

ARTICLE IX. INDEMNIFICATION....................................................9

     Section 9.01.  Indemnification............................................9
     Section 9.02.  Procedures Relating to Indemnification....................10

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ARTICLE X. TRANSITION SERVICES WORKS AND TRANSITION SERVICES DATA.............10

ARTICLE XI. TRANSITION PROJECT MANAGEMENT.....................................11

ARTICLE XII. DISPUTE RESOLUTION...............................................11

ARTICLE XIII. CONFIDENTIAL INFORMATION........................................12

     Section 13.01. Provider's Obligations....................................12
     Section 13.02. Recipient's Obligations...................................12
     Section 13.03. Compulsory Disclosure.....................................12
     Section 13.04. Injunction................................................12

ARTICLE XIV. REGULATORY MATTERS...............................................13

ARTICLE XV. COMPLIANCE WITH AND CHANGES TO LAWS, POLICIES AND TECHNOLOGY......13

     Section 15.01. Compliance with General Laws..............................13
     Section 15.02. Amendment of Privacy and Security Policies................13
     Section 15.03. Non-Public Personally Identifiable Information............13
     Section 15.04. Technology Changes........................................14

ARTICLE XVI. TRANSITION SERVICES AND DISASTER RECOVERY........................14

ARTICLE XVII. INABILITY TO PERFORM TRANSITION SERVICES; ERRORS................14

ARTICLE XVIII. SURVIVAL.......................................................14

ARTICLE XIX. MISCELLANEOUS....................................................15

     Section 19.01. Notices...................................................15
     Section 19.02. Waivers and Amendments; Preservation of Remedies..........16
     Section 19.03. Force Majeure.............................................16
     Section 19.04. No Third Party Beneficiaries..............................16
     Section 19.05. No Agency.................................................16
     Section 19.06. Subcontracting............................................16
     Section 19.07. Further Assurances........................................17
     Section 19.08. Incorporation of General Provisions.......................17
     Section 19.09. Entire Agreement..........................................17
     Section 19.10. Consistency with Purchase Agreement.......................17

Schedule A          Transition Services

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                          TRANSITION SERVICES AGREEMENT

     THIS TRANSITION SERVICES AGREEMENT (this "Agreement"), dated as of
___________, 2003, is made by and between Employers Reinsurance Corporation, a
Missouri corporation ("Provider"), and Scottish Holdings, Inc., a Delaware
corporation (together with Scottish Re (U.S.), Inc., a Delaware corporation,
"Recipient"). Capitalized terms used herein but not defined in the text shall
have the meanings ascribed to them in the Purchase Agreement, dated October [ ],
2003, by and among Provider and Recipient (the "Purchase Agreement"). Provider
and Recipient are each individually referred to herein as a "Party" and,
collectively, as the "Parties".

                                   WITNESSETH:

     WHEREAS, pursuant to the Purchase Agreement, Recipient is purchasing 95% of
the outstanding shares of Capital Stock of the Company;

     WHEREAS, the Parties desire to effectuate and cooperatively provide for an
orderly transition in the performance of administrative services from Provider
to the Company; and

     WHEREAS, this Agreement is being entered into pursuant to Sections 2.04(b)
and 5.10 of the Purchase Agreement;

     NOW, THEREFORE, in consideration of the premises and the mutual covenants
contained herein, and upon the terms and conditions set forth herein, the
Parties hereto agree as follows:

                                   ARTICLE I.

                                   DEFINITIONS

     Whenever the singular term is used in a definition, the same shall include
the plural, and whenever the plural is used in a definition, the same shall
include the singular, where appropriate.

     "Company" means ERC Life Reinsurance Corporation, a Missouri-domiciled
insurance company.

     "Confidential Information" shall mean all tangible business information
that a Party maintains in confidence, and, with respect to Non-Public Personally
Identifiable Information, all tangible and intangible business information of
the Party, including the following:

          (i)   information relating to the Party's planned or existing Systems
                and systems architecture, including computer hardware, computer
                software, source code, object code, documentation, methods of
                processing and operational methods;

          (ii)  sales, profits, organizational restructuring, new business
                initiatives and financial information;

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          (iii) proprietary and confidential information that describes the
                Party's reinsurance, insurance and financial products, including
                actuarial calculations, product designs, and how such products
                are administered and managed;

          (iv)  proprietary and confidential information that describes the
                Party's product strategies, tax interpretations, tax positions
                and treatment of any item;

          (v)   confidential information and software of third parties with
                which the Party conducts business;

          (vi)  Non-Public Personally Identifiable Information; and

          (vii) any other third party information as to which the Party has
                obligations of confidentiality.

Notwithstanding the foregoing, Confidential Information shall not include
information that (i) is or becomes generally known to the public not as a result
of a disclosure by a Party, (ii) is rightfully in the possession of a Party
prior to disclosure by the other Party, (iii) is received by a Party in good
faith and without restriction from a third party, not under a confidentiality
obligation to the other Party and having the right to make such disclosure, or
(iv) is independently developed by or for a Party without reference to the
Confidential Information of the other Party. The foregoing exceptions do not
apply to the disclosure of Non-Public Personally Identifiable Information.

     "Dispute" has the meaning set forth in Article XII.

     "Force Majeure" means an event beyond the control of such Party (or any
Person acting on its behalf), which by its nature could not have been foreseen
by such Party (or such Person), or, if it could have been foreseen, was
unavoidable, and includes acts of God, storms, floods, riots, fires, sabotage,
terrorism, civil commotion or civil unrest, interference by civil or military
authorities, acts of war (declared or undeclared) or armed hostilities or other
national or international calamity or one or more acts of terrorism or failure
of energy sources.

     "Non-Public Personally Identifiable Information" means all tangible and
intangible financial or medical information of or concerning an individual
person which either has been obtained from sources which are not available to
the general public or obtained from the person who is the subject of such
information, and which information is included in data files exchanged by any of
the parties to the Transaction Agreements. The term shall include, without
limitation, names, addresses, telephone numbers, email addresses, account or
policy information, and any list or grouping of customers, and any medical
records or other medical information of such customers and any other type of
information deemed "nonpublic" and protected by applicable privacy Law and data
elements reflecting the same.

     "Other Costs" has the meaning set forth in Section 6.01.

     "Party" has the meaning set forth in the Preamble.

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     "Privacy Policy" means the privacy policies of Provider, copies of which
have been made available to Recipient.

     "Provider" has the meaning set forth in the Preamble, and, for purposes of
Article IV, shall include Affiliates of the Provider.

     "Provider Indemnified Party" has the meaning set forth in Section 5.01.

     "Purchase Agreement" has the meaning set forth in the Preamble.

     "Recipient" has the meaning set forth in the Preamble.

     "Recipient Indemnified Party" has the meaning set forth in Section 9.01(b).

     "Security Policy" means the security policies of Provider.

     "Separation Services" has the meaning set forth in Section 4.03.

     "Service Charges" has the meaning set forth in Section 6.01.

     "Special Projects" means a service that Recipient requests Provider to
provide and that Provider has agreed to provide in writing, in accordance with
Section 4.04, that does not reasonably fall within one of the identified
categories of Transition Services.

     "Systems" means a Party's computer facilities, system(s), applications,
databases, networks (voice or data) or software.

     "Transition Project Manager" means the person, designated by Provider and
Recipient respectively, who is primarily responsible for administering this
Agreement, including, but not limited to, conducting reviews of service levels
and performance, managing data migration and mitigating and resolving technical
and business issues, with the authority and obligations set forth in Article XI.

     "Transition Services" has the meaning set forth in Section 4.02(a)

     "Transition Services Data" means output data from the delivery of
Transition Services by Provider to Recipient under this Agreement.

     "Transition Services Works" means reports developed for Recipient in
connection with the Transition Services provided by Provider to Recipient under
this Agreement.

                                  ARTICLE II.

                             APPOINTMENT; STANDARDS

     Section 2.01. Appointment and Acceptance of Appointment.

     Subject to the terms and conditions set forth herein, for the period
commencing on the Effective Date and continuing until terminated in accordance
with Article III hereof, Recipient

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hereby appoints Provider to provide, or arrange with Provider's Affiliates to
provide, the Transition Services specified in Article IV hereof and Schedule A
hereto to the Company and Provider hereby accepts such appointment.

     Section 2.02. Standards.

     Except as otherwise provided in this Agreement, and provided that Provider
is not restricted by an existing contract with a third party or by Law, Provider
agrees that the nature, quality and standard of care applicable to delivery of
the Transition Services will be substantially the same as that applicable to
those Transition Services that Provider provided to the Company immediately
prior to the Closing Date. With respect to Separation Services not previously
provided to the Company, and provided that Provider is not restricted by an
existing contract with a third party or by Law, Provider agrees that the nature,
quality and standard of care applicable to delivery of such Separation Services
shall be substantially the same as that applicable to similar services provided
to Provider's Affiliates or other business components.

                                  ARTICLE III.

                                   TERMINATION

     Section 3.01. Termination.

     (a) Recipient may from time to time terminate this Agreement with respect
to one or more Transition Services, in whole but not in part, upon giving at
least thirty (30) days prior written notice to Provider; provided, that any such
termination of a Transition Service shall not reduce the price of the Transition
Services as set forth in Section 6.01 hereto. Notwithstanding the preceding
sentence, no specific Transition Service shall be terminable if such termination
would result in a material increase in Provider's costs or time in providing the
Transition Services; provided, that in any such instance, Provider and Recipient
may mutually agree to a termination plan with respect to any such Transition
Service, including provision for payment of Provider's costs or time in
connection with any such termination.

     (b) Provider may terminate this Agreement with respect to one or more
Transition Services, in whole but not in part, at any time upon prior written
notice to Recipient if Recipient has failed to perform any of its material
obligations under this Agreement relating to such Transition Service, and such
failure shall have continued for a period of thirty (30) days after receipt by
Recipient of a notice of such failure from Provider.

     Section 3.02. Consultation.

     Each Party agrees that prior to exercising its rights under Section 3.01,
it will use reasonable efforts to consult for a reasonable period of time with
the other Party in advance of such termination and its implementation.

     Section 3.03. Effect of Termination.

     Upon termination of any Transition Service pursuant to this Agreement, the
relevant Provider will have no further obligation to provide the terminated
Transition Service, and the

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relevant Recipient will have no obligation to pay any future Other Costs
relating to any such Transition Service, except as agreed to pursuant to Section
4.04 of this Agreement, and upon termination of this Agreement in accordance
with its terms, no Provider will have any further obligation to provide any
Transition Service, and no Recipient will have any obligation to pay any
Transition Service Charges or Other Costs relating to any Transition Service or
make any other payments under this Agreement; provided that notwithstanding any
such termination Recipient shall remain obligated to Provider for Service
Charges, Other Costs and any other fees, costs and expenses owed and payable in
respect of Transition Services provided prior to the effective date of
termination. In connection with termination of any Transition Service, the
provisions of this Agreement not relating solely to such terminated Transition
Service shall survive any such termination.

     Section 3.04. Additional Termination Provisions.

     Provider's obligations and the rights of Recipient under this Agreement
shall terminate at such time as the Company is no longer owned and controlled
directly or indirectly by Recipient or in the event of a change in control of
Recipient. In addition, unless otherwise provided with respect to a particular
Transition Service, this Agreement shall terminate on the date which is nine (9)
calendar months after the Effective Date.

                                  ARTICLE IV.

                   TRANSITION SERVICES AND OTHER ARRANGEMENTS

     Section 4.01. Independent Contractor.

     In no event shall the personnel of Provider performing the Transition
Services to Recipient in accordance with this Agreement be considered employees
or agents of Recipient. Provider shall be solely liable for the payment of
salary, bonus, employer's share of all applicable withholding taxes, other
reasonable out of pocket expenses normally incidental to the provision of the
Transition Services (including, without limitation, travel and entertainment
expenses) and benefits received by such personnel, which shall be consistent
with the historical practices of Provider and its Affiliates.

     Section 4.02. Transition Services.

     (a) During the period commencing on the Closing Date and ending on the
relevant termination date as provided in Article III hereof, subject to the
provisions below, Provider shall provide or cause to be provided to Recipient
with respect to the Company the services set forth in Schedule A hereto (the
"Transition Services").

     (b) The Transition Services listed on Schedule A shall be deemed to include
(i) services that are, according to Provider's written manuals, procedures,
customs or otherwise (at the highest level of the various sources, to the extent
the sources conflict) provided as part of a Transition Service; (ii) services
required to reflect changes in technology required by regulators to support the
Transition Services; and (iii) services that were provided to the Company prior
to the Closing and are necessary for (y) the conduct of the business of the
Company as of Closing

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or (z) the provision of services by, or fulfillment of obligations of, Recipient
under the Transaction Agreements.

     (c) On or prior to the Effective Date, Provider shall obtain all waivers
and consents necessary to provide any Transition Services and Provider shall
bear any expenses related to such waivers and consents.

     Section 4.03. Separation Services.

     Provider shall provide (i) such services as are reasonably required to
enable Provider to separate the Company from Provider or any of Provider's
Affiliates, including, without limitation, claim file separation, policy file
separation, physically separating hardware and software, and security, (ii)
services required to enable Recipient to operate the Company under its own
management, including the migration of data, (iii) assistance in understanding
current business practices and historical data for purpose of the Recipient's
integration of various functions, systems and practices into Recipient's
business, and (iv) in connection with data migration, reasonable access to
Provider's data to be migrated (collectively, the "Separation Services"). If any
Separation Services are not Transition Services, they shall be subject to the
procedures set forth in Section 4.04 and shall become Special Projects
thereunder.

     Section 4.04. Special Projects.

     (a) If Recipient requests in writing that Provider provide a Special
Project, which request shall include a description of the service required to be
performed, Provider (a) shall within five (5) Business Days after the date of
the request provide Recipient with written notice of receipt of the request and
(b) shall within ten (10) Business Days after the date of such request provide
Recipient with a written proposal for such Special Project, giving reasonable
priority to other demands on Provider's resources under this Agreement and
otherwise. Such written proposal shall refer to the description provided by
Provider, include the estimated time and price of performing it (including all
consents necessary to perform the Special Projects), and include the potential
impact on any previously existing Transition Services. If the Parties agree on
such proposal, Provider shall perform such Special Project in accordance with
the terms of this Agreement.

     (b) On or prior to commencing any Special Project, Provider shall obtain
all waivers and consents necessary to perform any Special Projects and Provider
shall bear any expenses related to such waivers and consents.

     Section 4.05. Additional Agreement.

     As of the Closing, except as otherwise provided in this Agreement, Schedule
A hereto, or Section 5.02 of the Purchase Agreement, Recipient shall cease to
use and shall have no further access to, and Provider shall have no obligation
to otherwise provide, Provider Intranet and other Provider owned or licensed
computer software, hardware or technology, and Recipient shall have no access
to, and Provider shall have no obligation to otherwise provide, computer-based
resources (including e-mail and access to Provider computer networks and
databases) that require a password or are available on a secured access basis.
Except as provided in this Agreement or in Schedule A, Recipient shall cease
using the business services made available by

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Provider and/or its Affiliates to the Company or its employees prior to the
Closing Date. Recipient agrees to use its best efforts to fully implement the
provisions of this Section promptly.

     Section 4.06. Non-Exclusivity.

     Nothing herein shall prevent Recipient during the term of this Agreement
from obtaining any of the Transition Services from any other person or from
providing any Transition Service to itself using its own facilities and
employees; provided, however, that any use of such third party services shall
not reduce the price of the Transition Services as set forth in Section 6.01.

                                   ARTICLE V.

                             LIMITATION OF LIABILITY

     Section 5.01. Limited Liability of a Provider.

     Notwithstanding the standard for services set forth in Section 2.02
pursuant to which Provider will perform, or cause to be performed, each
Transition Service, neither Provider nor its Affiliates or Representatives
(each, a "Provider Indemnified Party") shall have any liability in contract,
tort or otherwise to Recipient or its Affiliates or Representatives for or in
connection with any Transition Services rendered by any Provider Indemnified
Party pursuant to the terms of this Agreement, the transactions contemplated
hereunder or any Provider Indemnified Party's action or inaction with respect
thereto, except for Losses arising out of or resulting directly from such
Provider Indemnified Party's gross negligence or willful misconduct in
connection with the foregoing.

     Section 5.02. Additional Limitation on Liability.

     Notwithstanding any other provision contained in this Agreement, in no
event shall Provider, Recipient or their respective Affiliates or
Representatives be liable for any special, indirect, punitive, incidental or
consequential losses, damages or expenses, including loss of profits.

                                  ARTICLE VI.

                                     PRICING

     Section 6.01. Costs and Disbursements.

     Recipient shall pay to Provider for the provision of the Transition
Services: (i) $300,000 per month for the first three months of the term of this
Agreement, and (ii) $250,000 per month for the last six months of the term of
this Agreement (the "Service Charges") in accordance with the terms of this
Agreement. Further, in connection with performance of the Transition Services,
Provider may incur certain reasonable transition costs and other incidental
out-of-pocket costs and expenses (excluding overhead and temporary loss of use
of its employees or resources) (the "Other Costs"), which shall, without
duplication, either be paid directly by Recipient or

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reimbursed to Provider by Recipient. Provider shall not be responsible for any
costs or expenses necessary to integrate Recipient's systems for purposes of
receiving the services described in this Agreement.

     Section 6.02. Invoices.

     Provider shall deliver an invoice to Recipient on a monthly basis (or at
such other frequency as is consistent with the basis on which the Service
Charges are determined and, if applicable, charged to Affiliates of Provider) in
arrears for the Service Charges, any Other Costs and any other amounts due to
Provider under this Agreement. Recipient shall pay the amount of such invoice by
wire transfer to Provider within thirty (30) days of the date of such invoice in
accordance with Section 2.06 of the Purchase Agreement. If Recipient fails to
pay such amount by such date, Recipient shall be obligated to pay to Provider,
in addition to the amount due, interest on such amount at the Interest Rate from
the date the payment was due through the date of payment, all in accordance with
Section 2.06 of the Purchase Agreement. As soon as practicable after receipt of
any reasonable written request by Recipient, Provider shall provide Recipient
with data and documentation supporting the calculation of any amount due to
Provider under this Agreement for the purpose of verifying the accuracy of such
calculation.

                                  ARTICLE VII.

                         REPRESENTATIONS AND WARRANTIES.

     Section 7.01. Non-Infringement.

     Provider represents and warrants that as of the Closing Date no service
provided pursuant hereto that Provider performed for itself prior to the Closing
Date and that will become a Transition Service infringes any copyright,
trademark, trade name, patent, trade secret, or other intellectual property
right, or violates any third party property or contractual right, or contains
any scandalous, libelous, or unlawful matter.

     Section 7.02. Compliance with Laws and Privacy and Security Policies.

     Provider represents and warrants that as of the Closing Date, Provider has
been and is in compliance in all material respects with all applicable Laws of
any Governmental Authority and any Privacy Policies and Security Policies
necessary for Provider to provide the Transition Services as contemplated
herein.

     Section 7.03. Disclaimer of Implied Warranties and Covenants.

     THE PARTIES AGREE THAT NEITHER RECIPIENT NOR PROVIDER MAKES ANY IMPLIED
WARRANTIES OR COVENANTS UNDER THIS AGREEMENT WHATSOEVER.

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                                 ARTICLE VIII.

                                   COVENANTS.

     Section 8.01. Non-Infringement.

     Provider covenants that no Transition Services, Transition Services Works,
or Transition Services Data will infringe any Intellectual Property right,
trademark, trade name, trade dress or other intellectual property right of any
third party, or violate any third party property or contractual right, right of
privacy or right of publicity, or contain any libelous or unlawful matter.

     Section 8.02. Capability and Lack of Harmful Components.

     Provider covenants that it will utilize frequently updated commercially
available anti-virus software to ensure that any Transition Services Data
provided by Provider under this Agreement will not, at the time of installation,
contain any virus, disabling code or other such malware.

     Provider covenants that no Transition Services, Transition Services Works
and Transition Services Data provided by Provider as contemplated herein will
violate in any material respect any applicable Law of any Governmental
Authority.

     Section 8.03. Compliance with Privacy and Security Policies.

     Provider covenants that the provision of the Transition Services,
Transition Services Works or Transition Services Data by Provider as provided
for in this Agreement, including without limitation, the provision to Recipient
of any information, including without limitation, customer and policyholder
information, will not result in any material breach of Privacy Policies or
Security Policies.

                                  ARTICLE IX.

                                 INDEMNIFICATION

     Section 9.01. Indemnification.

     (a) Recipient shall indemnify and hold harmless each Provider Indemnified
Party on an After Tax Basis from and against any Losses, and reimburse each
relevant Provider Indemnified Party for all reasonable expenses as they are
incurred, whether or not in connection with pending litigation and whether or
not any Provider Indemnified Party is a party hereto, arising out of or in
connection with Transition Services, Separation Services or Special Projects
rendered by such Provider Indemnified Party pursuant to the terms of this
Agreement, the transactions contemplated hereunder or any such Provider
Indemnified Party's action or inaction with respect thereto; provided, that
Recipient shall not be liable under this Section 9.01(a) for any Losses of any
such Provider Indemnified Party arising out of or resulting from such Provider
Indemnified Party's gross negligence or willful misconduct in connection with
the foregoing.

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     (b) Provider shall indemnify and hold harmless each relevant Recipient and
its Affiliates and Representatives (each, a "Recipient Indemnified Party") on an
After Tax Basis from and against any Losses, and reimburse each Recipient
Indemnified Party for all reasonable expenses as they are incurred, whether or
not in connection with pending litigation and whether or not any Recipient
Indemnified Party is a party hereto, arising out of the gross negligence or
willful misconduct of Provider in connection with (i) any of the Transition
Services, Separation Services or Special Projects rendered by or on behalf of
Provider pursuant to the terms of this Agreement, (ii) the transactions
contemplated hereunder, or (iii) Provider's action or inaction with respect
thereto.

     (c) Notwithstanding any other indemnification provision contained herein,
subject to Article V and without duplication, Recipient shall indemnify and hold
harmless Provider Indemnified Party on an After Tax Basis from and against any
Losses, arising out of or in connection with any breach by Recipient, or its
Representatives or Affiliates of any of their representations, warranties,
covenants or agreements contained in Section 4.05.

     (d) Notwithstanding any other provision contained in this Agreement, the
aggregate indemnification obligation of either of Provider or Recipient under
this Article IX shall in no event exceed the aggregate total of Service Charges
and Other Costs.

     Section 9.02. Procedures Relating to Indemnification.

     Sections 10.03 and 10.04 of the Purchase Agreement shall be deemed
incorporated into and shall become a part of this Agreement and shall apply to
any claims for indemnity asserted pursuant to Section 9.01 of this Agreement.

                                   ARTICLE X.

             TRANSITION SERVICES WORKS AND TRANSITION SERVICES DATA.

     To the extent permitted by applicable law and third party agreements in
effect on the Closing Date to which Provider is a party or may be subject,
Recipient shall acquire all right, title and interest in the Transition Services
Works and Transition Services Data (in whatever medium or format), all of which
shall vest in Recipient upon creation or upon the Closing Date, whichever occurs
later, and shall be owned by Recipient in perpetuity. All of such Transition
Services Works and Transition Services Data shall be provided as "work for hire"
within the meaning of the Copyright Act of 1976, as amended. If and to the
extent that any such Transition Services Works and Transition Services Data, or
any part thereof, is not a "work for hire" for any reason, then subject to
applicable law and any third party agreements to which Provider is a party,
Provider hereby irrevocably transfers, conveys, and assigns all right, title,
and interest in such Transition Services Works and Transition Services Data to
Recipient. With respect to any Transition Services Works and Transition Services
Data as to which such complete rights of ownership cannot be assigned because of
prohibitions against such transfers by reason of third party agreements in
existence as of the Closing Date, Provider shall obtain all necessary licenses
to grant Recipient the perpetual, paid-up, unrestricted rights to use,
reproduce, distribute, display, modify, transfer, create derivative works of,
sublicense and disclose such Transition Services Works and Transition Services
Data. Provider shall secure written agreements from any

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personnel (employees, consultants and others) or entities providing Transition
Services Works and Transition Services Data and Transition Services to the
extent necessary for Provider to carry out the provisions of this subparagraph.
Upon termination of the provision of any or all Transition Services under this
Agreement, all Transition Services Works and Transition Services Data (to the
extent embodied in a tangible form) shall reasonably promptly be delivered to
Recipient at its address set forth below and Provider shall retain no copies
thereof, except that Provider shall be entitled to retain one copy thereof
solely for archival purposes and such copy shall be treated and protected by
Provider as Confidential Information of Recipient pursuant to Article XIII
herein.

                                  ARTICLE XI.

                         TRANSITION PROJECT MANAGEMENT.

     Provider and Recipient shall each appoint a Transition Project Manager.
Each Transition Project Manager may appoint or designate in writing directed to
the other Transition Project Manager a person or persons to act in his or her
stead on day-to-day matters within various functional areas such as primary
contacts to deal with information technology matters, actuarial matters, or
financial matters. Transition Project Managers may serve as the primary contact
point for his or her respective principal with respect to the obligations of the
Parties under this Agreement and to questions or issues that may arise during
the performance of this Agreement; provided, that neither Transition Project
Manager, or his or her designee, shall have the authority to bind his or her
respective principal. Any Party may, by advance notice given to the other Party
in accordance with Section 19.01, designate another Transition Project Manager
hereunder, provided that notice of such change shall be effective upon receipt.

                                  ARTICLE XII.

                               DISPUTE RESOLUTION.

     In the event of any dispute, controversy or claim arising out of or
relating to the transactions contemplated by this Agreement, or the validity,
interpretation, breach or termination of any provision of this Agreement, or
calculation or allocation of the costs of any Transition Service or Special
Project, including claims seeking redress or asserting rights under any Law
(each, a "Dispute"), Provider and Recipient shall negotiate in good faith in an
attempt to resolve such Dispute amicably between themselves at the operational
level. If such Dispute has not been resolved to the mutual satisfaction of
Provider and Recipient within twenty (20) Business Days (or such longer period
as the Parties may agree), then at the request of either Party the matter shall
be submitted to the Chief Financial Officers of Provider and Recipient for their
consideration. In the event that such Chief Financial Officers are unable to
resolve such Dispute within an additional twenty (20) Business Day period (or
such longer period as the Parties may agree), such Dispute will be resolved in
accordance with the judicial process referred to in Section 11.12 of the
Purchase Agreement.

                                       11
<PAGE>

                                 ARTICLE XIII.

                            CONFIDENTIAL INFORMATION.

     Section 13.01. Provider's Obligations.

     Subject to the terms and conditions of the Purchase Agreement: (i) Provider
shall maintain the confidentiality of the Confidential Information of Recipient
and, except as provided in this Agreement, shall not use the Confidential
Information for any purpose other than the performance of this Agreement; and
(ii) upon termination of this Agreement, Provider agrees to turn over the
Confidential Information of Recipient to Recipient or to destroy such
information in accordance with the instructions of Recipient; provided, however,
that Provider may maintain one archive copy of all such information that was
generated by Provider under this Agreement in a secure data storage facility.

     Section 13.02. Recipient's Obligations.

     Recipient shall maintain the confidentiality of the Confidential
Information of Provider, and except as provided in this Agreement, shall not use
the Confidential Information for any purpose other than the performance of this
Agreement. Upon termination of this Agreement and any Transition Services
provided to Recipient hereunder, Recipient agrees to turn over the Confidential
Information of Provider to Provider or to destroy such information in accordance
with the instructions of Provider; provided, however, that Recipient may
maintain one archive copy of all of such information that was generated by
Recipient under this Agreement in a secure data storage facility.

     Section 13.03. Compulsory Disclosure.

     If either Party is requested or required to disclose Confidential
Information of the other pursuant to any judicial or administrative process,
then such receiving Party shall promptly notify the other Party to this
Agreement in writing of such request or requirement. The Party whose
Confidential Information is requested or required to be disclosed shall either
(i) promptly seek protective relief from such disclosure obligation, or (ii)
direct the receiving Party to comply with such request or requirement. The Party
in receipt of Confidential Information of the other Party shall cooperate with
efforts of the other Party to maintain the confidentiality of such information
or to resist compulsory disclosure thereof but any costs incurred by the
receiving Party shall be reimbursed by the other Party, except for costs of the
receiving Party's employees. If, after a reasonable opportunity to seek
protective relief, such relief is not obtained by the Party whose Confidential
Information is subject to discovery or disclosure, or if such Party fails to
obtain such relief, the receiving Party may disclose such portion of such
Confidential Information that such Party reasonably believes, on the basis of
advice of such Party's counsel, such Party is legally obligated to disclose.

     Section 13.04. Injunction.

     Each Party agrees that the breach by the other Party of its obligations
under this Article XIII would cause significant and irreparable harm to the
aggrieved Party, which may be difficult to measure with certainty or to
compensate through money damages. Each Party acknowledges

                                       12
<PAGE>

that the aggrieved Party shall be entitled, without proof of irreparable harm
and without waiving any other right or remedy available to it, to such
injunctive and equitable relief as may be deemed proper by a court of competent
jurisdiction.

                                  ARTICLE XIV.

                               REGULATORY MATTERS.

     Provider shall cooperate with Recipient and any regulatory authorities that
supervise it to satisfy any regulatory requirements applicable to entities that
provide services to it. From and after the Closing Date, Provider shall continue
to maintain systems necessary to provide the Transition Services to meet all
applicable regulatory requirements.

                                  ARTICLE XV.

          COMPLIANCE WITH AND CHANGES TO LAWS, POLICIES AND TECHNOLOGY.

     Section 15.01. Compliance with General Laws.

     Nothing in this Agreement shall oblige either Party hereto to act in breach
of the requirements of any law, rule or regulation applicable to it, including
securities and insurance laws, written policy statements of securities
commissions, insurance and other regulatory authorities, and the by-laws, rules,
regulations and written policy statements of relevant securities and
self-regulatory organizations, or law, rule or regulation of any Governmental
Authority concerning privacy.

     Section 15.02. Amendment of Privacy and Security Policies.

     During the term of this Agreement, Provider shall provide Recipient with
notice of any amendment to any Privacy Policy or Security Policy which amendment
would be likely to adversely affect (i) Provider's ability to perform the
Transition Services, Separation Services or Special Projects or (ii) Recipient's
ability to receive and use the Transition Services, Separation Services or
Special Projects.

     Section 15.03. Non-Public Personally Identifiable Information.

     Except for the purposes of carrying out this Agreement, Provider shall not
disclose or use any Non-Public Personally Identifiable Information related to
the Transition Services or the business of Recipient. Such Non-Public Personally
Identifiable Information shall not be reproduced or shared with any other party
except those entities with which Provider may from time to time contract in
accordance with the fulfillment of the terms of this Agreement and which
disclosure shall comply with all state and federal statutes and regulations
governing the disclosure of medical records and non-public personally
identifiable information, including any state or federal laws pertaining to the
confidentiality of medical records that include diagnosis

                                       13
<PAGE>

and treatment for HIV and psychiatric or substance abuse conditions and
problems. Provider shall promptly adopt and implement security procedures to
protect from improper disclosure or use of Non-Public Personally Identifiable
Information related to the Transition Services or the business of Recipient,
such procedures to be in compliance with all applicable federal and state
regulatory requirements.

     Section 15.04. Technology Changes

     In connection with the migration of data, Provider shall notify recipient
of any changes to software applications, field data or parameters that are
material to the migration of data.

                                  ARTICLE XVI.

                   TRANSITION SERVICES AND DISASTER RECOVERY.

     Provider shall have established and implemented security and disaster
recovery procedures to protect data owned by Recipient as well as Recipient's
networks and systems, all in accordance with commercially reasonable practices.

                                 ARTICLE XVII.

                inability to perform transition services; errors.

     In the event that Provider is unable to perform a Transition Service as
required by this Agreement (other than for reasons of Force Majeure) for a
period that can reasonably be expected to exceed four (4) days Provider shall
cooperate with Recipient to obtain an alternative means of providing such
Transition Service and shall bear all reasonable costs incurred in either
restoring the Transition Service or obtaining an alternative source of such
Transition Service. In addition, Provider shall, at its own expense, promptly
correct any errors in the provision of Transition Services rendered by Provider.

                                 ARTICLE XVIII.

                                    SURVIVAL.

     The provisions of Articles V, VI (to the extent any sums remain due or are
disputed), VIII, IX, X, XII, XIII, XVIII and XIX shall survive the termination
or expiration of this Agreement.

                                       14
<PAGE>

                                  ARTICLE XIX.

                                 MISCELLANEOUS.

     Section 19.01. Notices.

     Any notice or other communication required or permitted hereunder shall be
in writing and shall be delivered personally, sent by facsimile transmission
(and immediately after transmission confirmed by telephone) or sent by
certified, registered or express mail, postage prepaid. Any such notice shall be
deemed given when so delivered personally or sent by facsimile transmission (and
immediately after transmission confirmed by telephone) or, if mailed, on the
date shown on the receipt therefor, as follows:

          if to Provider:

          Employers Reinsurance Corporation
          5200 Metcalf Avenue
          P.O. Box 2991
          Overland Park, KS 66201
          Attention:  General Counsel
          Facsimile:  (913) 676-5258

          with a copy to:

          General Electric Company
          3135 Easton Turnpike, W3A24
          Fairfield, CT  06431
          Attention:  Vice President and Senior
                      Counsel for Transactions
          Facsimile:  (203) 373-3008

          and

          Stinson Morrison Hecker LLP
          2600 Grand Boulevard
          Kansas City, Missouri 64108
          Attention:  James S. Swenson
          Facsimile:  (816) 691-2768

          if to Recipient:

          Scottish Holdings, Inc.
          15800 John J. Delaney Drive
          Suite 200
          Charlotte, North Carolina 28277
          Attention:  General Counsel
          Facsimile:  (704) 542-5744

                                       15
<PAGE>

          with a copy to:

          LeBoeuf, Lamb, Greene & MacRae, L.L.P.
          125 West 55th Street
          New York, NY 10019
          Attention:  Hugh T. McCormick, Esq.
                      Stephen G. Rooney, Esq.
          Facsimile:  (212) 424-8500

Any Party may, by notice given in accordance with this Section 19.01 to the
other Parties, designate another address or person for receipt of notices
hereunder.

     Section 19.02. Waivers and Amendments; Preservation of Remedies.

     This Agreement may be amended, superseded, canceled, renewed or extended,
and the terms hereof may be waived, only by a written instrument signed by all
of the Parties or, in the case of a waiver, by the Party waiving compliance. No
delay on the part of any Party in exercising any right, power or privilege
hereunder shall operate as a waiver thereof, nor shall any waiver on the part of
any Party of any right, power, remedy or privilege, nor any single or partial
exercise of any such right.

     Section 19.03. Force Majeure.

     No Party hereto (or any Person acting on its behalf) shall have any
liability or responsibility for failure to fulfill any obligation (other than a
payment obligation) under this Agreement so long as and to the extent to which
the fulfillment of such obligation is prevented, frustrated, hindered or delayed
as a consequence of circumstances of Force Majeure; provided always that such
Party (or such Person) shall have exercised reasonable due diligence to minimize
the effect of Force Majeure on its obligations.

     Section 19.04. No Third Party Beneficiaries.

     Except as otherwise expressly set forth in Article IX and in any other
provision of this Agreement, nothing in this Agreement is intended or shall be
construed to give any Person, other than the Parties hereto, any legal or
equitable right, remedy or claim under or in respect of this Agreement or any
provision contained herein.

     Section 19.05. No Agency.

     Nothing in this Agreement shall be deemed in any way or for any purpose to
constitute any party an agent of another unaffiliated party in the conduct of
such other party's business.

     Section 19.06. Subcontracting.

     Any Provider may hire or engage one or more subcontractors to perform any
or all of its obligations under this Agreement, provided that, subject to
Article V, such Provider shall in all cases remain primarily responsible for all
obligations undertaken by it in this Agreement with

                                       16
<PAGE>

respect to the scope of the Transition Services, the Standard for Transition
Services and the content of the Transition Services provided to the relevant
Recipient

     Section 19.07. Further Assurances.

     (a) Recipient shall take any and all necessary actions to cause and enable
the Company to comply with all of the provisions of this Agreement, and
Recipient agrees to be jointly and severally liable for any payment or
reimbursement required to be made by the Company pursuant to this Agreement,
including pursuant to Section 6.01.

     (b) If any Party hereto identifies a need for additional or other
transition services to be provided by or on behalf of Provider or the Company,
whether prior to or within six months after the Closing Date, the Parties hereto
agree to negotiate in good faith to provide such requested services. To the
extent practicable such additional or other services shall be provided on terms
substantially similar to those applicable to Transition Services of similar
types and otherwise on terms consistent with those contained in this Agreement.

     Section 19.08. Incorporation of General Provisions.

     The general provisions of Article XI of the Purchase Agreement (other than
Sections 11.01, 11.07, 11.10 and 11.11) shall be deemed incorporated into and
shall become a part of this Agreement..

     Section 19.09. Entire Agreement.

     This Agreement, including any Schedules and Exhibits and including the
Transaction Agreements to the extent referred to herein, embodies the entire
agreement between the Parties and supercedes any prior written agreement or any
oral agreement with respect to the subject matter hereof. Any change or
modification to this Agreement is null and void unless made by means of a
written amendment to this Agreement which has been signed by both Parties.

     Section 19.10. Consistency with Purchase Agreement.

     This Agreement shall be subject to the provisions of the Purchase
Agreement, including but not limited to Sections 5.02, 5.03 and 5.11, which
provisions shall be paramount and controlling and shall supersede the provisions
of this Agreement to the extent of any conflicts or inconsistencies.

     IN WITNESS WHEREOF, Provider and Recipient have each caused this Agreement
to be signed and delivered by its duly authorized officer, all as of the
Effective Date set forth above.

                           [SIGNATURE PAGE TO FOLLOW]

                                       17

<PAGE>

SCOTTISH HOLDINGS, INC.                     EMPLOYERS REINSURANCE
                                            CORPORATION

By:                                         By:
   ---------------------------------           ---------------------------------

Name:                                       Name:
     -------------------------------             -------------------------------

Title:                                      Title:
      ------------------------------              ------------------------------

                                       18

<PAGE>

                                                                      Schedule A

                               Transition Services

                                       19<PAGE>

                                                                    EXHIBIT 10.1

                   AMENDED AND RESTATED EMPLOYMENT AGREEMENT

     This AMENDED AND RESTATED EMPLOYMENT AGREEMENT (this "Agreement") is
entered into by and between Fisher Scientific International Inc., a Delaware
corporation (the "Company"), and Paul M. Montrone (the "Executive"), and dated
as of the 31st day of December, 2003.

     1. Term of the Agreement.  This Agreement shall commence as of January 1,
2004 (the "Effective Date"). The Executive's services under Section 2 shall
commence on such date and end on December 31, 2006 (the "Initial Employment
Period" and, together with any extensions thereof pursuant to the next sentence,
the "Employment Period"). As of the last day of the Initial Employment Period
and each anniversary thereof, unless either party hereto shall have given the
other party 60 days' advance notice that there shall be no further extensions
pursuant to this sentence, the Employment Period shall be extended by an
additional year.

     2. Position and Duties.  During the Employment Period, the Executive's
position (including status, offices, titles and reporting requirements),
authority, duties and responsibilities shall be at least commensurate in all
material respects with those held, exercised and assigned to the Executive on
the day immediately preceding the Effective Date. The Executive's services shall
be performed at the location where the Executive was employed immediately
preceding the Effective Date or any office or location less than 25 miles from
such location. During the Employment Period, and excluding any periods of
vacation and sick leave to which the Executive is entitled, the Executive agrees
to devote reasonable attention and time during normal business hours to the
business and affairs of the Company and, to the extent necessary to discharge
the responsibilities assigned to the Executive hereunder, to use the Executive's
reasonable best efforts to perform faithfully and efficiently such
responsibilities. During the Employment Period it shall not be a violation of
this Agreement for the Executive to (a) serve on corporate, civic, charitable,
governmental or religious boards or committees, (b) manage or participate in
activities of The General Chemical Group, GenTek Inc. and Latona Associates,
Inc., or such other entities in a manner and at a time or times consistent with
his current practice, (c) deliver lectures, fulfill speaking engagements or
teach at educational institutions, (d) participate in political activities and
fundraising and (e) manage personal investments, so long as such activities do
not significantly interfere with the performance of the Executive's
responsibilities as an employee of the Company in accordance with this
Agreement. It is expressly understood and agreed that to the extent that any
such activities have been conducted by the Executive prior to the Effective
Date, the continued conduct of such activities (or the conduct of activities
similar in nature and scope thereto) subsequent to the Effective Date shall not
thereafter be deemed to interfere with the performance of the Executive's
responsibilities to the Company.

     3. Compensation.

     (a) Base Salary.  During the Employment Period, the Executive shall receive
an annual base salary of at least $1,100,000 ("Annual Base Salary"), which shall
be paid in accordance with the Company's generally applicable payroll practices
and policies, except that any portion of such base salary (taking into account
any increase therein after the date hereof) that, if paid currently to
Executive, would not be deductible by the Company due to the provisions of
Section 162(m) of the Internal Revenue Code shall be mandatorily deferred and
paid to the Executive no earlier than the first taxable year of the Company as
to which the Executive is no longer a "covered employee" within the meaning of
such Section. Any amounts mandatorily deferred pursuant to the immediately
preceding sentence shall be credited to a book entry account for the Executive
under a Company sponsored deferred compensation plan and the Executive shall
have all rights and benefits as a participant in such plan, including the right
to have deemed earnings credited on such deferred amounts in accordance with the
term of such plan. During the Employment Period, the Annual Base Salary shall be
reviewed at least annually. Any increase in Annual Base Salary shall not serve
to limit or reduce any other obligation to the Executive under this Agreement.
The Annual Base Salary shall not be reduced after any such increase and the term
Annual Base Salary as utilized in this Agreement shall refer to Annual Base
Salary as so increased.
<PAGE>

     (b) Incentive, Savings and Retirement Plans Generally.  During the
Employment Period, and without limiting the Executive's rights under Section
3(c), the Executive shall be entitled to participate in and shall receive all
benefits under all incentive, savings and retirement plans, practices, policies
and programs applicable generally to other peer executives of the Company and
its affiliated companies, but in no event shall such plans, practices, policies
and programs provide the Executive with incentive opportunities (measured with
respect to both regular and special incentive opportunities, to the extent, if
any, that such distinction is applicable), savings opportunities and retirement
benefit opportunities, in each case, less favorable, in the aggregate, than the
most favorable of those provided by the Company and its affiliated companies for
the Executive under such plans, practices, policies and programs as in effect
immediately preceding the Effective Date or, if more favorable to the Executive,
those provided generally at any time after the Effective Date to other peer
executives of the Company and its affiliated companies. Without limiting the
generality of the foregoing (including the right of Executive to participate in
and receive all benefits under any short-term or special bonus or other
incentive compensation opportunities), the target regular annual bonus
opportunity made available to the Executive with respect to any calendar year
after 2003 shall be at least equal to 125% of his Annual Base Salary for such
year. No portion of the bonus payable to the Executive for any calendar year
during the term of this agreement shall be guaranteed, except as otherwise
provided in Section 5.

     (c) Retirement Benefits.  To induce the Executive to continue in the
Company's employ and to enter into this amended and restated employment
agreement, which eliminates a number of provisions that would have provided the
Executive substantial benefits in connection with his termination of service
with the Company, for purposes of calculating the Executive's retirement benefit
under any excess or supplemental defined benefit retirement plans in which the
Executive participates, including, without limitation, the Company's Executive
Retirement and Savings Plan (collectively, the "SERP") and notwithstanding
anything in the SERP to the contrary, the annual retirement benefit payable to
the Executive at his normal retirement age under the SERP (which may be paid in
a lump sum) shall be not less than 65% of his final average Earnings, which
shall be equal to the average of the sums of the Executive's Earnings payable
(in each case determined by including in such calculation any amounts of Annual
Base Salary or bonus payable, but deferred (regardless of whether on a mandatory
basis or at the election of the Executive)) in respect of any three years during
the last ten years of the Executive's service (including the Severance Period)
in which the average of such sums is the highest. In the event of the
Executive's death prior to the commencement of receipt of his retirement
benefit, notwithstanding anything in the SERP to the contrary, the retirement
benefit payable hereunder to the Executive's surviving spouse or, if the
Executive is not survived by his spouse, to his estate, shall be paid in a lump
sum in an amount equal to the benefit that would have been payable to the
Executive had the Executive terminated his employment immediately prior to his
death and received the retirement benefit as a lump sum. For the avoidance of
doubt, for purposes of calculating the Executive's annual retirement benefit and
the retirement benefit payable to his surviving spouse or his estate, as
provided above in this paragraph (c): (A) all amounts payable (or that would
have been payable) to Executive in respect of the Severance Period absent his
death shall be taken into account as provided in Section 5(a)(iii), (B) no such
retirement benefit shall be subject to reduction on account of any Offset, and
(C) the amount of any retirement benefit calculated as provided above shall,
upon the commencement thereof (either annually or as a lump sum), be subject to
cost of living increases in accordance with the Existing Plan. Capitalized terms
used herein without other definition shall have the meanings given in the Fisher
Scientific International Inc. Executive Retirement and Savings Program as
restated effective June 23, 1997 (the "Existing Plan").

     (d) Welfare Benefit Plans.  During the Employment Period, the Executive
and/or the Executive's family, as the case may be, shall be eligible for
participation in and shall receive all benefits under welfare benefit plans,
practices, policies and programs provided by the Company and its affiliated
companies (including, without limitation, medical, prescription, dental,
disability, salary continuance, employee life, group life, accidental death and
travel accident insurance plans and programs) to the extent applicable generally
to other peer executives of the Company and its affiliated companies, but in no
event shall such plans, practices, policies and programs provide the Executive
with benefits which are less favorable, in the aggregate, than the most
favorable of such plans, practices, policies and programs in effect for the
Executive immediately preceding the Effective Date or, if more favorable to the
Executive, those provided generally at any time after the Effective Date to
other peer executives of the Company and its affiliated companies.
                                        2
<PAGE>

Notwithstanding the foregoing, the Executive and the Company have agreed that
the split-dollar arrangement previously entered into by the Company for the
benefit of the Executive shall terminate not later than December 31, 2003, the
amount of life insurance premiums paid by the Company in respect of such
arrangement shall be returned to the Company and the Company shall have no
further obligation to make, or liability in respect of, premium payments
required to have been made under such arrangement, whether before or after the
date hereof.

     (e) Expenses.  During the Employment Period, the Executive shall be
entitled to receive prompt reimbursement for all reasonable expenses incurred by
the Executive in respect of his services to the Company in accordance with the
most favorable policies, practices and procedures of the Company and its
affiliated companies in effect for the Executive immediately preceding the
Effective Date or, if more favorable to the Executive, as in effect generally at
any time thereafter with respect to other peer executives of the Company and its
affiliated companies.

     (f) Fringe and Other Benefits.  During the Employment Period, the Executive
shall be entitled to fringe benefits, personal perquisites, and any other
benefits in accordance with the most favorable plans, practices, programs and
policies of the Company in all respects and its affiliated companies in effect
for the Executive immediately preceding the Effective Date or, if more favorable
to the Executive, as in effect generally at any time thereafter with affiliated
companies.

     (g) Office and Support Staff.  During the Employment Period, the Executive
shall be entitled to an office or offices of a size and with furnishings and
other appointments, and to secretarial and other assistance, in all respects
equal to that provided to the Executive by the Company immediately preceding the
Effective Date or, if more favorable to the Executive, as provided generally at
any time thereafter with respect to other peer executives of the Company and its
affiliated companies.

     (h) Vacation.  During the Employment Period, the Executive shall be
entitled to paid vacation in accordance with the plans, policies, programs and
practices of the Company in all respects and its affiliated companies as in
effect for the Executive immediately preceding the Effective Date or, if more
favorable to the Executive, as in effect generally at any time thereafter with
respect to other peer executives of the Company and its affiliated companies.

     4. Termination of Employment.

     (a) Death or Disability.  The Executive's employment shall terminate
automatically upon the Executive's death during the Employment Period. If the
Company determines in good faith that the Disability of the Executive has
occurred during the Employment Period (pursuant to the definition of Disability
set forth below), it may give to the Executive written notice in accordance with
Section 10(b) of this Agreement of its intention to terminate the Executive's
employment. In such event, the Executive's employment with the Company shall
terminate effective on the 30th day after receipt of such notice by the
Executive (the "Disability Effective Date"), provided that, within the 30 days
after such receipt, the Executive shall not have returned to full-time
performance of the Executive's duties. For purposes of this Agreement,
"Disability" shall mean the absence of the Executive from the Executive's duties
with the Company on a full-time basis for 180 consecutive business days as a
result of incapacity due to mental or physical illness which is determined to be
total and permanent by a physician selected by the Company or its insurers and
acceptable to the Executive or the Executive's legal representative.

     (b) Cause.  The Company may terminate the Executive's employment during the
Employment Period for Cause. For purposes of this Agreement, "Cause" shall mean:

          (i) the willful and continued failure of the Executive to perform
     substantially the Executive's duties hereunder with the Company or one of
     its affiliates (other than any such failure resulting from incapacity due
     to physical or mental illness), after a written demand for substantial
     performance is delivered to the Executive by the Board which specifically
     identifies the manner in which the Board believes that the Executive has
     not substantially performed the Executive's duties, or

                                        3
<PAGE>

          (ii) the willful engaging by the Executive in illegal conduct or gross
     misconduct that is materially and demonstrably injurious to the Company.

For purposes of this provision, no act or failure to act, on the part of the
Executive, shall be considered "willful" unless it is done, or omitted to be
done, by the Executive in bad faith or without reasonable belief that the
Executive's action or omission was not inconsistent with the best interests of
the Company. Any act, or failure to act, based upon authority given pursuant to
a resolution duly adopted by the Board or based upon the advice of counsel for
the Company shall be conclusively presumed to be done, or omitted to be done, by
the Executive in good faith and in the best interests of the Company. The
cessation of employment of the Executive shall not be deemed to be for Cause
unless and until there shall have been delivered to the Executive a copy of a
resolution duly adopted by the affirmative vote of not less than three-quarters
of the entire membership of the Board (excluding the Executive) at a meeting of
the Board called and held for such purpose (after reasonable notice is provided
to the Executive and the Executive is given an opportunity, together with
counsel, to be heard before the Board), finding that, in the good faith opinion
of the Board, the Executive is guilty of the conduct described in subparagraph
(i) or (ii) above, and specifying the particulars thereof in detail.

     (c) Good Reason.  The Executive's employment may be terminated by the
Executive for Good Reason at any time within 90 days after the Executive first
has actual knowledge of the occurrence of such Good Reason. For purposes of this
Agreement, "Good Reason" shall mean:

          (i) the assignment to the Executive of any duties inconsistent in any
     respect with the Executive's position (including status, offices, titles
     and reporting requirements), authority, duties or responsibilities as
     contemplated by Section 2 of this Agreement, or any other action by the
     Company which results in a diminution in such position, authority, duties
     or responsibilities, excluding, for this purpose an isolated, insubstantial
     and inadvertent action not taken in bad faith and which is remedied by the
     Company promptly after receipt of notice thereof given by the Executive;

          (ii) any failure by the Company to comply with any of the provisions
     of Section 3 of this Agreement, other than an isolated, insubstantial and
     inadvertent failure not occurring in bad faith and which is remedied by the
     Company promptly after receipt of notice thereof given by the Executive;

          (iii) the Company's requiring the Executive to be based at any office
     or location other than as provided in Section 2 hereof or the Company's
     requiring the Executive to travel on Company business to a substantially
     greater extent than required immediately prior to the Effective Date;

          (iv) any purported termination by the Company of the Executive's
     employment otherwise than as expressly permitted by this Agreement;

          (v) any delivery by the Company of a Notice of Non-Extension; or

          (vi) any failure by the Company to comply with and satisfy Section 9
     of this Agreement.

For purposes of this Section 4(c), any good faith determination of "Good Reason"
made by the Executive shall be conclusive.

     (d) Notice of Termination.  Any termination by the Company for Cause, or by
the Executive for Good Reason, shall be communicated by Notice of Termination to
the other party hereto given in accordance with Section 10(b) of this Agreement.
For purposes of this Agreement, a "Notice of Termination" means a written notice
which (i) indicates the specific termination provision in this Agreement relied
upon, (ii) to the extent applicable, sets forth in reasonable detail the facts
and circumstances claimed to provide a basis for termination of the Executive's
employment under the provision so indicated and (iii) if the Date of Termination
(as defined below) is other than the date of receipt of such notice, specifies
the termination date (which date shall be not more than thirty days after the
giving of such notice). The failure by the Executive or the Company to set forth
in the Notice of Termination any fact or circumstance which contributes to a
showing of Good Reason or Cause shall not waive any right of the Executive or
the Company, respectively, hereunder or preclude the Executive or the Company,
respectively, from asserting such fact or circumstance in enforcing the
Executive's or the Company's rights hereunder.
                                        4
<PAGE>

     (e) Date of Termination.  "Date of Termination" means (i) if the
Executive's employment is terminated by the Company for Cause, or by the
Executive for Good Reason, the date of receipt of the Notice of Termination or
any later date specified therein, as the case may be, (ii) if the Executive's
employment is terminated by the Company other than for Cause or Disability, the
date on which the Company notifies the Executive of such termination, (iii) if
the Executive's employment is terminated by the Executive other than for Good
Reason, the date on which the Executive notifies the Company of such termination
and (iv) if the Executive's employment is terminated by reason of death or
Disability, the date of death of the Executive or the Disability Effective Date,
as the case may be.

     5. Obligations of the Company Upon Termination.

     (a) By Executive for Good Reason or Other than for Good Reason; By the
Company Other Than for Cause or Disability.  In partial consideration for the
noncompetition covenants of the Executive pursuant to Section 8(b) and in part
as liquidated damages in lieu of the payments and benefits to which the
Executive would have been entitled through the remainder of the Employment
Period, if, during the Employment Period, the Company shall terminate the
Executive's employment other than for Cause or Disability or the Executive shall
terminate employment for Good Reason or other than for Good Reason:

          (i) the Company shall pay to the Executive or his legal
     representatives in a lump sum in cash within 30 days after the Date of
     Termination the aggregate of the following amounts:

        A. the sum of

             (1) the Executive's Annual Base Salary through the Date of
        Termination to the extent not theretofore paid,

        B. the product of

             (1) the Executive's target bonus as determined under the applicable
        Fisher compensation or incentive plan(s) for the year in which the Date
        of Termination occurs, and

             (2) a fraction, the numerator of which is the number of days in the
        current fiscal year through the Date of Termination, and the denominator
        of which is 365, and

        C. any compensation previously deferred by the Executive (together with
any accrued interest or earnings thereon) and any accrued vacation pay, in each
case to the extent not theretofore paid (the sum of the amounts described in
clauses (A), (B), and (C) shall be hereinafter referred to as the "Accrued
Obligations"); and

     (ii) subject to the Executive's remaining reasonably available to assist
the Company, in such manner and at such time as shall be mutually agreed in good
faith upon the Company's request through appropriate notice to the Executive, in
the transition of his duties and responsibilities hereunder, the Company shall
pay to the Executive an amount equal to the Annual Base Salary that would have
been payable to him had he continued to be employed for the period commencing on
the Date of Termination and ending on the day before the third anniversary
thereof (the "Severance Period") and an amount equal to three times the
Executive's target bonus as determined under the Company's applicable
compensation or incentive plan(s) for the year in which such Date occurs. The
amounts described in the immediately preceding sentence shall be deemed earned
on the Date of Termination, but subject to Section 5(b) shall be payable in 36
substantially equal monthly installments over the Severance Period. It is
expressly understood that the assistance to be provided to the Company under
this clause (ii) shall not involve any fixed time commitment on the part of
Executive.

     (iii) for purposes of calculating the Executive's retirement benefits under
the SERP, the Executive shall be deemed to have completed three additional years
of service and received the amounts payable under Section 5(a)(ii) over the
Severance Period as compensation for such period of service.

     (iv) for three years after the Executive's Date of Termination, or such
longer period as may be provided by the terms of the appropriate plan, program,
practice or policy, the Company shall continue all fringe and other benefits to
the Executive and/or the Executive's family at least equal to those which would
have been provided to them in accordance with the plans, programs, practices and
policies described in Section 3(d),
                                        5
<PAGE>

(e), (f) and (g)of this Agreement if the Executive's employment had not been
terminated or, if more favorable to the Executive, as in effect generally at any
time thereafter with respect to other peer executives of the Company and its
affiliated companies and their families, provided, however, that if the
Executive becomes reemployed with another employer and is eligible to receive
medical or other welfare benefits under another employer-provided plan, the
medical and other welfare benefits described herein shall be secondary to those
provided under such other plan during such applicable period of eligibility, and
for purposes of determining eligibility (but not the time of commencement of
benefits) of the Executive for retiree benefits pursuant to such plans,
practices, programs and policies, the Executive shall be considered to have
remained employed until three years after the Date of Termination and to have
retired on the last day of such period.

     (b) Death.  If the Executive's employment is terminated by reason of the
Executive's death during the Employment Period, the Executive, his estate and/or
beneficiaries shall be entitled to the payments and other benefits provided for
in Section 5(a) above including, for the avoidance of doubt, the payment in a
lump sum of the amounts provided for under Section 5(a)(ii), and, in addition,
benefits at least equal to the most favorable benefits provided by the Company
and affiliated companies to the estates and beneficiaries and peer executives of
the Company and such affiliated companies under such plans, programs, practices
and policies relating to death benefits, if any, as in effect with respect to
other peer executives and their beneficiaries at any time during the 120-day
period immediately preceding the Effective Date or, if more favorable to the
Executive's estate and/or the Executive's beneficiaries, as in effect on the
date of the Executive's death with respect to other peer executives of the
Company and its affiliated companies and their beneficiaries. Accrued
Obligations shall be paid to the Executive's estate or beneficiary, as
applicable, in a lump sum in cash within 30 days of the Date of Termination.

     (c) Disability.  If the Executive's employment is terminated by reason of
the Executive's Disability during the Employment Period, this Agreement shall
terminate without further obligations to the Executive, other than for payment
of Accrued Obligations, except that the Executive shall be entitled to receive,
disability and other benefits at least equal to the most favorable of those
generally provided by the Company and its affiliated companies to disabled
executives and/or their families in accordance with such plans, programs,
practices and policies relating to disability, if any, as in effect generally
with respect to other peer executives and their families at any time during the
120-day period immediately preceding the Effective Date or, if more favorable to
the Executive and/or the Executive's family, as in effect at any time thereafter
generally with respect to other peer executives of the Company and its
affiliated companies and their families. Accrued Obligations shall be paid to
the Executive in a lump sum in cash within 30 days of the Date of Termination.
Without limiting the foregoing provisions of this Section 5(c), in the event
that the Executive is unable, by reason of accident, illness or other disability
(whether or not constituting a Disability) to exercise any right or make any
election contemplated hereby (including any election to receive SERP payments in
a lump sum or to exercise the put rights provided for in Section 11) such
exercise or election may be made by the Executive's spouse or, if the Executive
is not survived by his spouse, his estate, and the Company shall act upon and be
entitled to rely upon same.

     (d) By the Company for Cause.  If the Executive's employment shall be
terminated by the Company for Cause during the Employment Period, this Agreement
shall terminate without further obligations to the Executive hereunder other
than the obligation to pay to the Executive (i) the Annual Base Salary through
the Date of Termination, and (ii) the amount of any compensation previously
deferred by the Executive. In such case, all Accrued Obligations shall be paid
to the Executive in a lump sum in cash within 30 days of the Date of
Termination.

     6. Non-Exclusivity of Rights.  Nothing in this Agreement shall prevent or
limit the Executive's continuing or future participation in any plan, program,
policy or practice provided by the Company or any of its affiliated companies
and for which the Executive may qualify, nor, subject to Section 10(f), shall
anything herein limit or otherwise affect such rights as the Executive may have
under any contract or agreement with the Company or any of its affiliated
companies. Amounts which are vested benefits or which the Executive is otherwise
entitled to receive under any plan, policy, practice or program of or any
contract or agreement with the Company or any of its affiliated companies at or
subsequent to the Date of Termination shall be payable in

                                        6
<PAGE>

accordance with such plan, policy, practice or program or contract or agreement
except as explicitly modified by this Agreement.

     7. Full Settlement; Legal Fees.  The Company's obligation to make the
payments provided for in this Agreement and otherwise to perform its obligations
hereunder shall not be affected by any set-off, counterclaim, recoupment,
defense or other claim, right or action which the Company or its affiliates may
have against the Executive or others. In no event shall the Executive be
obligated to seek other employment or take any other action by way of mitigation
of the amounts payable to the Executive under any of the provisions of this
Agreement and except as specifically provided in Section 5(a)(ii), such amounts
shall not be reduced whether or not the Executive obtains other employment. The
Company agrees to pay promptly as incurred, to the full extent permitted by law,
all legal fees and expenses which the Executive may reasonably incur as a result
of any contest (regardless of the outcome thereof) by the Company, the Executive
or others of the validity or enforceability of, or liability or entitlement
under, any provision of this Agreement or any guarantee of performance thereof
(whether such contest is between the Company and the Executive or between either
of them and any third party, and including as a result of any contest by the
Executive about the amount of any payment pursuant to this Agreement), plus in
each case interest on any delayed payment at the applicable Federal rate
("Applicable Federal Rate") provided for in Section 7872(f)(2)(A) of the
Internal Revenue Code of 1986, as amended (the "Code").

     8. Confidential Information; Noncompetition.

     (a) Confidential Information.  The Executive shall hold in a fiduciary
capacity for the benefit of the Company all secret, proprietary or confidential
information, knowledge or data relating to the Company or any of its affiliated
companies, and their respective businesses, which shall have been obtained by
the Executive during the Executive's employment by the Company or any of its
affiliated companies. During the period the Executive is employed with the
Company and for a period of 24 months after termination of the Executive's
employment with the Company, the Executive shall not, without the prior written
consent of the Company or as may otherwise be required by law or legal process,
communicate or divulge any such information, knowledge or data to anyone other
than the Company or in the course of performing his obligations hereunder. The
restrictions set forth in this Section 8 will not apply to information that is
generally known to the public or in the trade, unless such knowledge results
from an unauthorized disclosure by the Executive or representatives of the
Executive in violation of this Agreement. This exception will not affect the
application of any other provisions of this Agreement to such information in
accordance with the terms of such provision. All documents and tangible things
embodying or containing confidential information are the Company's exclusive
property. The Executive will protect the confidentiality of their content and
will return all copies, facsimiles and specimens of them and any other form of
confidential information in the Executive's possession, custody or control to
the Company before leaving the employment with the Company.

     (b) Noncompetition.  In consideration of the benefits described in
Section  5, until the Date of Termination, and for a period of 36 months
thereafter, the Executive shall not, directly or indirectly, engage, participate
or invest in or be employed by any business which is engaged in the scientific
and clinical laboratory research distribution business in the United States. The
foregoing restriction shall apply regardless of the capacity in which the
Executive engages or engaged, participates or participated, or invests or
invested in or is or was employed by a given business, whether as owner,
partner, shareholder, consultant, agent, employee, co-venturer or otherwise. The
provisions of this Section 8(b) shall not prevent the Executive from acquiring
or holding publicly traded stock or other publicly traded securities of a
business, so long as the Executive's ownership does not exceed 2 percent of the
outstanding securities of such company of the same class as those held by the
Executive or from engaging in any activity or having an ownership interest in
any business that is reviewed by the Board of Directors. The Executive
understands that the restrictions set out in Sections 8(b) are intended to
protect the Company's interest in its established customer relationships and
goodwill, and agrees that such restrictions are reasonable and appropriate for
this purpose.

     (c) Injunctive Relief.  The Executive agrees that it would be difficult to
measure any damages caused to the Company that might result from any breach by
the Executive of the provisions of Section 8(b), and that in any event money
damages would be an inadequate remedy for any such breach. Accordingly, the
Executive

                                        7
<PAGE>

agrees that in the case of breach, or proposed breach, of such provisions, the
Company shall be entitled, in addition to all other remedies that it may have,
to seek an injunction or other appropriate equitable relief to restrain any such
breach without showing or proving any actual damage to the Company. However, in
no event shall an asserted violation of any provision of this Section 8
constitute a basis for deferring or withholding any amounts or other benefits to
which the Executive may be entitled under this Agreement.

     9. Successors.  This Agreement is personal to the Executive and without the
prior written consent of the Company shall not be assignable by the Executive
otherwise than by will or the laws of descent and distribution. This Agreement
shall inure to the benefit of and be enforceable by the Executive's legal
representatives. This Agreement shall inure to the benefit of and be binding
upon the Company and its successors and assigns. The Company will require any
successor (whether direct or indirect, by purchase, merger, consolidation or
otherwise) to all or substantially all of the business and/or assets of the
Company to assume expressly and agree to perform this Agreement in the same
manner and to the same extent that the Company would be required to perform it
if no such succession had taken place. As used in this Agreement, "Company"
shall mean the Company as hereinbefore defined and any successor to its business
and/or assets as aforesaid by operation of law, or otherwise.

     10. Miscellaneous.

     (a) Governing Law.  This Agreement shall be governed by and construed in
accordance with the laws of the State of Delaware, without reference to
principles of conflict of laws. The captions of this Agreement are not part of
the provisions hereof and shall have no force or effect. This Agreement may not
be amended or modified otherwise than by a written agreement executed by the
parties hereto or their respective successors and legal representatives.

     (b) Notices.  All notices and other communications hereunder shall be in
writing and shall be given by hand delivery to the other party or by registered
or certified mail, return receipt requested, postage prepaid, addressed as
follows:

     IF TO THE EXECUTIVE:

     Paul M. Montrone
     Great Hill
     Hampton Falls, NH 03844

     IF TO THE COMPANY:

     Attention: General Counsel
     Fisher Scientific International Inc.
     Liberty Lane
     Hampton, NH 03842

Or to such other address as either party shall have furnished to the other in
writing in accordance herewith. Notice and communications shall be effective
when actually received by the addressee.

     (c) Severability.  The invalidity or unenforceability of any provision of
this Agreement shall not affect the validity or enforceability of any other
provision of this Agreement.

     (d) Withholding.  The Company may withhold from any amounts payable under
this Agreement such Federal, state, local or foreign taxes as shall be required
to be withheld pursuant to any applicable law or regulation.

     (e) Waiver.  The Executive's or the Company's failure to insist upon strict
compliance with any provision hereof or any other provision of this Agreement or
the failure to assert any right the Executive or the Company may have hereunder,
including, without limitation, the right of the Executive to terminate
employment for Good Reason, shall not be deemed to be a waiver of such provision
or right or any other provision or right of this Agreement.

                                        8
<PAGE>

     (f) Entire Agreement.  From and after the Effective Date this Agreement
shall supersede any other agreement (including, without limitation, the
Employment Agreement between Executive and the Company, dated as of December 31,
2001) between the parties with respect to the subject matter hereof. For the
avoidance of doubt, this Agreement shall not amend, modify or alter in any way
any existing agreement between the Company and the Executive regarding any
equity interest in the Company, regardless of form.

     11. Put/Call Right.

     (a) Executive's Put.  In partial consideration of the Executive's
noncompetition covenant pursuant to Section 8(b), at any time following the
Effective Date, the Executive and/or any Permitted Transferee (as defined below)
shall have the right (the "Put Right"), exercisable by delivery of a written
notice (the "Put Notice") to the Company, to require the Company to purchase up
to all, of the 258,333 Executive Performance Options (the "Put Options") (which
Put Options have vested in accordance with their terms) granted to the Executive
pursuant to the Fisher Scientific International Inc. 1998 Equity and Incentive
Plan (the "1998 Option Plan"), for an aggregate purchase price (the "Put Price")
of $5,000,000 in cash, subject to the provisions of this Section 11. Following
receipt of any Put Notice, the Company shall be required to pay the portion of
the Put Price related to the portion of the Put Options subject to such Put
Notice to the Executive or the Permitted Transferee, as applicable, upon the
second business day following the first anniversary of the date the Put Notice
is received by the Company; provided, that if on such second business day, the
Executive is a "covered employee" whose compensation is subject to the
limitation on deductibility imposed by Section 162(m) of the Code, such payment
shall be delayed until the first date on which the Executive is no longer such a
"covered employee." For purpose of this Section 11, "Permitted Transferee" shall
mean any heir, executor, administrator, testamentary trustee, legatee or
beneficiary of the Executive and any party who is a legitimate transferee of the
Put Options in accordance with the instruments governing their transfer. The
Company shall pay the Executive interest on the $5,000,000 cash payment (or
portion thereof) due to the Executive following exercise of all or any portion
of the Put Right at a rate equal to the prime rate published by JP Morgan Chase
Bank or its successors in interest on the business day nearest to the date on
which such portion of the Put Right is exercised, compounded daily. Such
interest shall accrue from such date of exercise until the date the applicable
portion of the $5,000,000 payment is made to the Executive, and shall be paid to
the Executive concurrently with such portion of such $5,000,000 payment.

     (b) Company's Call Right.  Upon the later of termination of the Executive's
employment with the Company for any reason or the expiration of the Severance
Period (a "Call Event"), the Company shall have the right (the "Call Right"),
exercisable by delivery of a written notice (the "Call Notice") to the Executive
and any Permitted Transferees who then own any Put Options within a period of
180 days after the date of occurrence of the Call Event (subject to extension
for up to 12 months in the event the Company is legally prohibited or
contractually prohibited, by virtue of its debt or other obligations, from
exercising its Call Rights) (the "Call Notice Period"), to require the Executive
and any such Permitted Transferees to sell all, but not less than all, of the
Put Options then owned by the Executive and such Permitted Transferees on the
date of occurrence of the Call Event at an aggregate price equal to the portion
of the Put Price corresponding to the portion of the Put Options then still
outstanding and allocated among the Executive and such Permitted Transferees (if
any) in the same proportions as their ownership of such remaining Put Options.
Upon receipt of such notice the Executive and any such Permitted Transferees
shall sell such remaining Put Options, subject to the terms hereof.
Notwithstanding the foregoing provisions of this Section 11(b), in the event
that the Executive's employment with the Company is terminated by reason of his
death or if the Executive is unable by reason of accident, illness or other
similar disability (whether or not constituting a Disability) to exercise the
put rights under Section 11(b), the Company's right to deliver a Call Notice
shall commence 90 days subsequent to the occurrence of the event in question
(whether or not a Call Event).

     (c) Closing.  The closing of the acquisition by the Company of any Put
Options following exercise of the Put Right or the Call Right shall take place
at the principal office of the Company on the tenth business day after the date
of the Put Notice or the Call Notice. At such closing, the Company shall pay the
applicable portion of the Put Price by wire transfer to the account or accounts
designated by the Executive or Permitted Transferee, as applicable, in writing
to Company or, if the Executive or Permitted Transferee, as applicable, fails to
designate any such account, the Company shall deliver a certified check or
checks in the amount of the
                                        9
<PAGE>

applicable Put Price to the Executive or such Permitted Transferee, as
applicable, in each case against delivery of duly endorsed certificates
representing such portion of the Put Options subject to the corresponding Put
Notice (to the extent issued in certificated form).

     IN WITNESS WHEREOF, the Executive has hereunto set the Executive's hand
and, pursuant to the authorization from its Board of Directors, the Company has
caused this Agreement to be executed in its name on its behalf, all as of the
day and year first above written.

                                          --------------------------------------
                                          Paul M. Montrone

                                          FISHER SCIENTIFIC INTERNATIONAL INC.

                                          By:
                                          --------------------------------------

                                        10

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