Document:

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                                                                   Exhibit 10.2

                                ESSEX CORPORATION
                                -----------------

                           INCENTIVE STOCK OPTION PLAN
                           ---------------------------

1.   Purpose
     -------
     This Incentive Stock Option Plan (the "Plan") is intended to encourage
stock ownership by selected officers and employees of Essex (the "Company"), a
Virginia corporation, through the grant of options (referred to herein as
"Options") that qualify as Incentive Stock Options (as defined in Section 5 of
this Plan) to acquire shares of the Company's common stock, thereby increasing
their proprietary interest in the success of the Company and encouraging them to
remain in the employ of the Company. For the purposes of this Plan, the term
"Subsidiaries" shall be deemed to refer to the subsidiaries of the Company.

2.   Stock Available for Incentive Stock Options
     -------------------------------------------
     Except as provided in Section 10 of this Plan, the shares which may be made
subject to, and which may be issued on exercise of, Options granted under this
Plan, shall be limited to an aggregate of 200,000 shares of the common stock,
par value $.10 per share, of the Company (the "Stock").
     The shares reserved for issuance pursuant to this Plan may consist either
of authorized but previously unissued shares of Stock, or of issued shares of
Stock, or of issued shares of Stock which have been reacquired by the Company,
as determined from time to time by the Board of Directors of the Company (the
"Board of Directors").
     Except as otherwise provided in Section 6 of this Plan, if any Option
granted under this Plan expires, terminates or is canceled for any reason
without having been exercised in full, the shares of Stock allocable to the
unexercised portion of such Option may again be made subject to an Option
granted under this Plan.

3.   Administration
     --------------
     (a)  Subject to the express provisions of this Plan, the Board of Directors
          shall have plenary authority, in its discretion:

          (i)   To determine the time or times at which, and the officers and
                employees of the Company or the Subsidiaries to whom, Options
                shall be granted under this Plan;
          (ii)  To determine the Option Price (as defined in Section 5(h) of
                this Plan) for, and the number of shares of Stock to be covered
                by, Options granted under this Plan;
          (iii) To determine the time or times at which each Option granted
                under this plan may be exercised, including whether such Option
                may be exercised in whole or in installments;
          (iv)  To interpret this Plan and to prescribe, amend and rescind rules
                and regulations relating to it; and
          (v)   To make all other determinations which the Board of Directors
                shall deem necessary or advisable for the administration of this
                Plan.

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     (b)  The Board of Directors may exercise its discretion in administering
          this Plan with respect to the participation of officers and employees
          of the Company or the Subsidiaries only when a majority of the Board
          of Directors and a majority of the directors acting in the matter are
          "disinterested persons" (as defined in Section 3 (e) of this Plan).
     (c)  The Board of Directors may at any time, or from time to time appoint a
          committee consisting of not less than three members of the Board of
          Directors, each of whom must be "disinterested persons", to which the
          Board of Directors may delegate any or all of the powers and duties of
          the Board of Directors under this Plan, except those relating to (i)
          the determination whether the shares of Stock reserved for issuance
          upon the exercise of Options granted under this Plan shall be issued
          shares or unissued shares, (ii) the appointment of any such committee,
          or (iii) the termination or amendment of this Plan. The Board of
          Directors may from time to time appoint members of such committee in
          substitution for or in addition to members previously appointed, may
          fill vacancies in such committee, however caused, and may discharge
          such committee. Duly authorized actions of such committee shall
          constitute actions of the Board of Directors with respect to this Plan
          and the administration thereof.
     (d)  Notwithstanding anything herein to the contrary, no employee, officer
          or directors of the Company or of any of the Subsidiaries shall as a
          member of the Board of Directors or of any committee appointed by the
          Board of Directors have any vote with regard to:
          (i)   The grant of an Option to himself;
          (ii)  The time at which any such Option shall be granted;
          (iii) The number of shares of Stock covered by any such Option;
          (iv)  The time or times at which, or the period during which, any
                such Option may be exercised or whether it may be exercised
                in whole or in installments;
          (v)   The provisions of the agreement relating to any such
                Options; and
          (vi)  The Option Price of Stock subject to any such Option;
     (e)  The term "disinterested person" as used in this Plan shall mean a
          person who, at the time he exercises discretion with respect to the
          administration of this Plan, is not then and has not at any time
          during the preceding year been eligible for selection as a person to
          whom Options may be granted under this Plan or to whom Stock may be
          allocated or options granted under the provisions of any other plan of
          the Company or of any of the Subsidiaries which entitles the
          participants therein to acquire stock or stock options of the Company
          or of any of the Subsidiaries.

4.   Eligibility
     -----------
     Options may be granted under this Plan only to such regular full-time
employees, including officers, of the Company or of any of the Subsidiaries as
may be selected in the manner provided in Section 3 of this Plan. A director of
the Company or of any of the Subsidiaries who is not also a regular full-time
employee of the Company or of one of the Subsidiaries shall not be eligible to
receive any Options under this Plan. An

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employee granted an Option under this Plan shall nevertheless remain eligible to
receive on or more additional Options thereafter, notwithstanding that Options
previously granted to such employee remain unexercised in whole or in part.

5.   Terms of Options
     ----------------
     This Plan is intended to authorize the Board of Directors to grant, in its
discretion, options that qualify as "incentive stock options" pursuant to
Section 422A(b) of the Internal Revenue Code of 1954, as amended (such
qualifying options being referred to herein as "Incentive Stock Options"). Each
Option granted under this Plan shall be evidenced by a written option agreement
which shall specify that the Option granted therein is an Incentive Stock
Option, and shall by appropriate language include the substance of all of the
following provisions as are not inconsistent with the following provisions, as
the Board of Directors shall deem appropriate;

     (a)  Options granted under this Plan shall be exercisable for such periods
          as shall be determined by the Board of Directors at the time of grant
          of each such Option, but in no event shall an Option be exercisable
          after the expiration of ten years from the date of grant.
          Notwithstanding the foregoing, if any employee, at the time an Option
          is granted to him, owns more than ten percent (10%) of the total
          combined voting power of all classes of stock of the Company or of any
          of the Subsidiaries (or, under Section 425(d) of the Internal Revenue
          Code of 1954, as amended, is deemed to own more than ten percent (10%)
          of the total combined voting power of all such classes of stock, by
          reason of the ownership of such classes of stock, by reason of the
          ownership of such classes of stock, directly or indirectly, by or for
          any brother, sister, spouse, ancestor or lineal descendant of such
          employee, or by or for any corporation, partnership, estate or trust
          of which such employee is a shareholder, partner of beneficiary), any
          Options granted to him shall not be exercisable after the expiration
          of five years from the date of grant. Each Option granted under this
          Plan shall also be subject to earlier termination as provided in this
          Plan.
     (b)  Options granted under this Plan may be exercised in whole or in part
          to such extent and at such time or times during the terms thereof as
          shall be determined by the Board of Directors at the time of grant of
          each such option; provided, however, that an Option may not be
          exercised as to fewer than 100 shares at any one time, unless the
          number of shares to be purchased upon such exercise is the total
          number of shares at the time available for purchase under such Option.
     (c)  Options granted under this Plan shall be exercisable only by delivery
          to the Company of written notice of exercise, together with the full
          Option Price (as defined in Section 5(h) of this Plan) of the shares
          purchased, which Option Price may be paid in cash or in Stock. If any
          portion of the Option Price is paid in shares of Stock, such shares
          shall be tendered at the fair market value thereof, determined under
          Section 7 of this Plan as of the date such shares are tendered.
     (d)  Except as provided to the contrary in Section 6 and Section 9 of this
          Plan, Options granted hereunder shall remain outstanding and shall be
          exercisable only so long as the person to whom the Option

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          was granted remains an employee of the Company or any of the
          Subsidiaries.
     (e)  All Options granted under this Plan shall be nontransferable, except
          by will or the laws of descent and distribution, and shall be
          exercisable during the lifetime of the employee to whom granted only
          by such employee.
     (f)  No holder of an Option shall be deemed to be the holder of, or to have
          any of the rights of a holder with respect to, any shares of Stock
          subject to such Option unless and until his Option shall have been
          exercised pursuant to the terms thereof, the Company shall have issued
          and delivered to the holder of the Option the shares of Stock as to
          which he has exercised his Option, and his name shall have been
          entered as a stockholder of record on the books of the Company.
          Thereupon, such person shall have full voting and other ownership
          rights with respect to such shares of Stock.
     (g)  Notwithstanding any other provision of this Plan, no employee who has
          been granted an Option under this Plan may exercise such Option while
          there is outstanding any other Option to purchase such shares of Stock
          (or shares of stock in any of the Subsidiaries) that was granted to
          him before the grant of such Option. For this purpose, an Option shall
          be treated as outstanding until it is exercised in full or expires
          solely by reason of the lapse of time.
     (h)  The per share price at which shares of Stock may be purchased pursuant
          to the exercise of each Option granted under this Plan (the"Option
          Price") shall be a stated price which is not less than the fair market
          value of such shares, determined under Section 7 of this Plan as of
          the date such Option is granted; provided, however, that if any
          employee, at the time an Option is granted to him, owns more than ten
          percent (10%) of the total combined voting power of all classes of
          stock of the Company or any of the Subsidiaries (or, under Section
          425(d) of the Internal Revenue Code of 1954, as amended, is deemed to
          own more than ten percent (10%) of the total combined voting power of
          all such classes of stock, by reason of the ownership of such classes
          of stock, directly or indirectly, by or for any brother, sister,
          spouse, ancestor, or lineal descendant of such employee, or by or for
          any corporation, partnership, estate or trust of which such employee
          is a shareholder, partner or beneficiary), the purchase price for
          shares of Stock acquired pursuant to his exercise, in whole or in
          part, of that Option shall be at least one hundred and ten percent
          (110%) of such fair market value.
     (i)  The maximum aggregate fair market value (determined as provided in
          Section 7 of this plan as of the date the Option is granted) of shares
          of Stock for which an employee may be granted Options in any calendar
          year (including for this purpose both Options granted under this Plan
          and incentive stock options granted under any other stock option plans
          of the Company or of the Subsidiaries) shall not exceed the sum of one
          hundred thousand dollars ($100,000) plus the amount of any "unused
          limit carryover: that may be taken into account in that calendar year
          in accordance with the provisions of Section 422A(c)(4) of the
          Internal Revenue Code of 1954, as amended. For these purposes, the
          term "unused limit carryover" shall mean (A) one-half of the excess of
          one

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          hundred thousand dollars ($100,000) over the fair market value
          (determined as provided in Section 7 of this Plan as of the date the
          Option is granted) of Stock for which an employee was granted
          incentive stock options under this Plan and under any other stock
          options plans of the Company or of the Subsidiaries in each of the
          three calendar years preceding the year in which the Option was
          granted to him, or, if greater, (B) such amount as may be hereafter
          provided by any amendment to Section 422A(c)(4) of the Internal
          Revenue Code of 1954, as amended.

6.   Surrender of Options
     --------------------
     The written option agreement provided for in Section 5 of this Plan may
provide that the Board of Directors may authorize on such terms and conditions
as it shall deem appropriate in each individual case, the acceptance on behalf
of the Company of the surrender of the right to exercise an Option granted under
this Plan, or a portion thereof, subject to the following provisions:
     (a)  The right to exercise an Option granted to an employee under this
          Plan, or a portion thereof, may not be surrendered while there is
          outstanding any other Option to purchase shares of Stock (or shares of
          stock in any of the Subsidiaries) that was granted to such employee
          before the grant of such Option. For this purpose, an Option shall be
          treated as outstanding until it is exercised in full or expires solely
          by reason for the lapse of time.
     (b)  In consideration of the surrender of the right to exercise an Option
          granted under this Plan, or a portion thereof, the Company shall pay
          to the employee to whom such Option was granted an amount equal to the
          excess of the fair market value of the shares of Stock subject to such
          Option or portion thereof over the Option Price (as defined in Section
          5(h)) of such shares; provided, however, that the right to exercise an
          Option or portion thereof may not be surrendered unless the fair
          market value of the shares of Stock subject to such Option or portion
          thereof exceeds the Option Price of such shares. For these purposes,
          the fair market value of shares of Stock shall be determined as
          provided in Section 7 of this Plan as of the date the right to
          exercise the Option is surrendered.
     (c)  Any payment made by the Company in consideration of the surrender of
          the right to exercise an Option may be made in shares of Stock or in
          cash, or partly in shares of Stock and partly in cash, as the Board of
          Directors shall determine, and any such payment shall be made within
          sixty (60) days after the effective date of such surrender. If any
          payment is made in shares of Stock, such shares shall be valued at the
          fair market value thereof, determined as provided in Section 7 of this
          Plan as of the date such shares are transferred.
     (d)  If the right to exercise an Option or portion thereof has been
          surrendered as provided in this Section 6, the shares of Stock subject
          to such option or portion thereof shall thereafter no longer be
          reserved for issuance under Section 2 of this Plan.

7.   Determination of Fair Market Value
     ----------------------------------

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     For the purposes of Section 5 and Section 6 of this Plan, the Board of
Directors shall determine the fair market value of a share of Stock on the basis
of such factors as it shall deem appropriate, provided that (i) if on the date
as of which such determination is made quotations for the Stock are regularly
listed on the National Association of Securities Dealers Automated Quotation
System ("NASDAQ") of other comparable system, the fair market value of a share
of Stock shall be deemed to equal the average of the low bid and high asked
prices for the Stock quoted on such system on each of the five trading days
immediately preceding the date as of which such determination is made the Stock
is admitted to trading on a national securities exchange or exchanges for which
actual sale prices are regularly reported, the fair market value of a share of
Stock shall not in any event be less than the average of the high and low sale
prices reported for the Stock on such exchange or exchanges on each of the five
trading days immediately preceding the date as of which such determination is
made.

8.   Restriction on Stock Acquired Pursuant to Options
     -------------------------------------------------
     In granting Options under this Plan, the Board of Directors may, but shall
not be obligated to, provide, either in individual cases or generally, that
shares of Stock issued upon exercise of such options shall be subject to the
restriction that such shares must be sold back to the Company at the Option
Price at which they were purchased (if purchased by the employee to whom the
option was granted), if the employee who acquired such shares does not remain an
employee of the Company or of any of the Subsidiaries for a specified period of
time, or until the employee's death or retirement at normal retirement date or
otherwise with the approval of the Company or any Subsidiary or by reason of his
total and permanent disability. In providing for the acceptance on behalf of the
Company of the surrender of the right to exercise an Option pursuant to Section
6 of this Plan, the Board of Directors may similarly provide that shares of
Stock issued upon such surrender shall be subject to the restriction that such
shares must be sold back to the Company at the Option Price specified in the
Option so surrendered, if the employee to whom such shares were issued does not
remain so employed. If the Board of Directors elects to impose a restriction of
the type provided for in this Section 8 in connection with the grant of an
Option under this Plan, the option agreement provided for in Section 5 of this
Plan relating to such option shall state the period during which any restriction
imposed pursuant to this Section 8 shall be effective, shall provide that any
such restriction shall be binding upon any person who acquires the shares upon
which the restriction was imposed during the period stated, and shall contain
such other terms relating to the restriction provided for in this Section 8
(including, without limitation, provisions for the purpose of securing
compliance with the terms of such restriction) as the Board of Directors shall
deem appropriate.

9.   Retirement of Employee, Termination of Employment, Death of Employee
     --------------------------------------------------------------------
     (a)  Retirement of Employee If an employee to whom an Option has been
          granted under this Plan retires from his employment with the Company
          or any of the Subsidiaries with the approval or consent of the Company
          or such Subsidiary or as a result of total and permanent disability
          (as defined in Section 105(d)(4) of the internal Revenue Code of 1954,
          as amended), such Option shall continue to be exercisable in whole or
          part, to the extent not theretofore exercised, by the employee to

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          whom granted in the manner set forth in Section 5 of this Plan, at any
          time within the remaining term of such Option.
     (b)  Termination of Employment Except as otherwise provided in this Section
          9, and subject to any restriction contained in an option agreement
          pursuant to the authority of the Board of Directors under Section 8 of
          this Plan, if the employment of an employee to whom an Option has been
          granted under this Plan is terminated for any reason, then such Option
          shall, to the extent not theretofore exercised, continue for a period
          of three months from the date of such termination of employment to be
          exercisable to the same extent that it was exercisable on such date,
          whereupon it shall terminate and shall not thereafter be exercisable;
          provided, however, that in the event of termination of employment for
          cause involving dishonesty or the commission of a criminal offense,
          any such Option shall terminate immediately upon such termination of
          employment. No Option granted under this Plan shall be affected by any
          change of duties or position of the person to whom such option was
          granted or by any temporary leave of absence granted to such person by
          the Company or any of the Subsidiaries.
     (c)  Death of Employee If the employee to whom an Option has been granted
          under this Plan dies prior to the expiration of the term of such
          option, the Option granted to such employee shall be exercisable in
          whole or in part, or the Board of Directors may authorize, if not
          theretofore authorized in the option agreement, acceptance of the
          surrender of the right to exercise such Option or portion thereof as
          provided in Section 6 of this Plan, to the extent that the employee
          was entitled to do so at the date of his death, by the estate of such
          employee, or by a person who acquired the right to exercise such
          option by bequest or inheritance from such employee, at any time
          within the remaining term of such Option.

10.  Adjustment Upon Changes in Capitalization
     -----------------------------------------
     (a)  If the outstanding shares of Stock of the Company as a whole are
          increased, decreased, changed into, or exchanged for, a difference
          number or kind of shares or securities of the Company, whether through
          merger, consolidation, reorganization, recapitalization,
          reclassification, stock dividend, stock split, combination of shares,
          exchange of shares, issuance of shares at other than book value,
          repurchase of shares, change in corporate structure, or amendment to
          the certificate of incorporation of the Company or otherwise, an
          appropriate and proportionate adjustment, as determined by the Board
          of Directors, shall be made in the number and kind of shares subject
          to this Plan, and in the number, kind, and per share Option Price, of
          shares subject to unexercised Options or portions thereof granted
          prior to any such change. Any such adjustment in an outstanding
          Option, however, shall be made without a change in the aggregate price
          applicable to shares of Stock subject to the unexercised portion of
          the Option, but with a corresponding adjustment in the Option Price
          for each share covered by such Option.
     (b)  Upon the effective date of the dissolution or liquidation of the
          Company, or of a reorganization,

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          merger or consolidation of the Company with one or more other
          corporations in which the Company is not the surviving corporation, or
          of the transfer of substantially all of the assets or shares of the
          Company to another corporation, other than the transaction pursuant to
          which the Bank becomes a subsidiary of Essex Corporation, this Plan
          and any Option theretofore granted hereunder shall terminate unless
          provision is made in writing in connection with such transfer for the
          continuance of this Plan and for the assumption of Options theretofore
          granted hereunder, or the substitution for such options of new options
          covering the shares of the successor corporation, or a parent or
          subsidiary thereof, with appropriate adjustments to the number and
          kind of shares subject to such substituted options and the Option
          Prices therefor, in which event this Plan and the Options theretofore
          granted or the new options substituted therefor, shall continue in the
          manner and under the terms so provided. In the event of any such
          dissolution, liquidation, reorganization, merger, consolidation,
          transfer of assets or transfer of shares in which provision is not
          made for the continuance of this Plan and for the assumption of
          Options theretofore granted or the substitution for such options or
          new options covering the shares of a successor corporation or a parent
          or subsidiary thereof, each employee to whom an Option has been
          granted under this Plan (or such employee's estate or a person who
          acquired the right to exercise the option from such employee by
          bequest or inheritance) shall be entitled, prior to the effective date
          of any such transaction, (i) to exercise, in whole or in part, his
          rights under any such Option granted to him which he would otherwise
          have been entitled to exercise during the remaining term of such
          Option without regard to any otherwise applicable exercise
          restrictions set forth in the option or (ii) to surrender any such
          Option to the Company in exchange for receipt of such shares of Stock
          or other securities or cash as the optionee would have received and he
          exercised his Option in full prior to completion of such dissolution,
          liquidation, reorganization, merger, consolidation, sale or transfer
          of assets or stock. To the extent that the exercise or surrender of
          any Option is with respect to more shares of Stock than would
          otherwise be available for purchase through exercise of such Option by
          the employee at such time, such exercise shall be contingent upon the
          consummation of such dissolution, liquidation, reorganization, merger,
          consolidation, sale or transfer of assets or shares.

11.  Effectiveness of the Plan
     -------------------------
     This Plan shall become effective upon its adoption by the Board of
Directors; provided, however, that (i) the effectiveness of this Plan shall be
subject to the approval of stockholders of the Company within twelve months
before or after the adoption of this Plan by the Board of Directors; and (ii)
the effectiveness of Options granted under this Plan prior to the date such
stockholder approval is obtained shall also be subject to such stockholder
approval.

12.  Manner of Grant of Options
     --------------------------

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     Nothing contained in this Plan or in any resolution heretofore adopted by
the Board of Directors or any committee thereof or by the stockholders of the
Company with respect to this Plan shall constitute the grant of an Option under
this Plan. The grant of an Option under this Plan shall be deemed to occur only
upon the date on which the Board of Directors, or any committee thereof duly
appointed as provided in Section 3 of this Plan to which the Board of Directors
shall have delegated power in such regard, shall approve the grant of such
Option.

13.  Compliance with Laws and Regulations
     ------------------------------------
     The obligation of the Company to sell and deliver any shares of Stock under
this Plan shall be subject to all applicable laws, rules and regulations, and
the obtaining of all such approvals by governmental agencies as may be deemed
necessary or appropriate by the Board of Directors. Except as otherwise provided
in Section 15 of this Plan, the Board of Directors may make such changes in this
Plan and may include such terms in any option agreement as may be necessary or
appropriate, in the opinion of counsel to the Company, to comply with the rules
and regulations of any governmental authority or to obtain, for employees
granted Options, the tax benefits under the applicable provisions of the
Internal Revenue Code of 1954, as amended, and the regulations thereunder.

14.  Non-exclusivity of the Plan
     ---------------------------
     Neither the adoption of this Plan by the Board of Directors nor the
submission of this Plan to the members or stockholders of the Company for
approval shall be construed as having any impact on any existing qualified or
non-qualified retirement or bonus plans of the Company or any of the
Subsidiaries, nor as creating any limitations on the power of the Board of
Directors to adopt such other incentive arrangements as it may deem desirable,
including, without limitation, the grant of sock options otherwise than under
this Plan, and such arrangements may be either applicable generally or only in
specific cases.

15.  Amendment
     ---------
     The Board of Directors at any time, and from time to time, may amend this
Plan, subject to any required regulatory approval and subject to the limitation
that, except as provided in Section 10 hereof, no amendment shall be effective
unless approved by the affirmative votes of the holders of a majority of the
outstanding shares of the Company stock within twelve months after the date of
the adoption of such

amendment, if such amendment would:
     (a)  Materially increase the number of shares of Stock as to which Options
          may be granted under this Plan;
     (b)  Materially modify the requirements of Section 4 of this Plan relating
          to eligibility to participate in this Plan;

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     (c)  Materially modify the method of computing the Option Price; or
     (d)  Materially increase the maximum term of any Options provided for
          herein. Except as provided in Section 10 hereof, rights and
          obligations under any Option granted before amendment of this Plan
          shall not be altered or impaired by amendment of this Plan, except
          with the consent of the person to whom the Option was granted.

16.  Termination or Suspension
     -------------------------
     The Board of Directors at any time may suspend or terminate this Plan. This
Plan, unless sooner terminated, shall terminate on the tenth anniversary of its
adoption by the Board of Directors or its approval by the stockholders of the
Company, whichever is earlier, but such termination shall not affect any Option
theretofore granted. No Option may be granted under this Plan while this Plan is
suspended or after it is terminated.

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NOTES
-----

FROM PROXY STATEMENTS

                    Option and Stock Appreciation Rights Plan

Adopted 3/12/82 100,000 shares
Amended 12/14/83 100,000 additional shares
Total Shares in this Plan 200,000
Terminated 3/12/92

                                       11<PAGE>

                                  EXHIBIT 10.3

                        Pension Plan and Trust Agreement

<PAGE>

                                                                         Plan __

                                                                  [LOGO] SCUDDER

401(k)Plan
Adoption Agreement

     The undersigned (the "Employer") establishes or amends the (Sponsor
automatically inserts employer's name) 401(k) Plan, by completing this Adoption
Agreement adopting or amending the plan in the form of the Prototype 401(k) Plan
attached.

     I.   ELIGIBILITY

     A.   To become a Participant who is eligible to make a salary reduction
          election and/or to receive allocations of Deferred Cash Contributions,
          an Employee need not complete any period of Service

          [X]  or, if this box is checked, an Employee must complete 1 Year of
               Service, (insert no more than "1").

     B.   An Employee who meets the above requirements for eligibility to make a
          salary reduction election and/or to receive allocations of Deferred
          Cash Contributions shall become such an eligible Participant on the
          first day the requirements are met

          [ ]  or, if this box is checked, on the first day of the next month

          [ ]  or, if this box is checked, on the first day of the next pay
               period

          [X]  or, if this box is checked, on the first day of the next quarter
               of the Plan Year.

     C.   To become a Participant who is eligible to receive allocations of
          Employer Matching Contributions and/or Employer Profit Sharing
          Contributions, an Employee must complete 1 Year of Service

          [ ]  or, if this box is checked, an Employee must complete
                                                                     ---------
               Year(s) of Service, (insert "2" or less; select more than _ only
               if the Employer selects full and immediate vesting in Section
               V.A. and B. below; insert "0" for no waiting period).

     D.   An Employee who meets the above requirements for eligibility to
          receive allocations of Employer Matching Contribution and/or Employer
          Profit Sharing Contributions shall become such an eligible Participant
          on the first day the requirements are met

          [ ]  or, if this box is checked, on the first day of the next month

          [ ]  or, if this box is checked, on the first day of the next pay
               period

          [X]  or, if this box is checked, on the first day of the next quarter
               of the Plan Year.

     E.   The number of Hours of Service required to have a Year of Service is
          1000

          [ ]  or, if this box is checked,        (insert less than "1000").
                                           ------
               However, if the Year(s) of Service selected in Section I.A. or
               I.C. above is or includes a fractional year, an Employee is not
               required to complete any specified number of Hours of Service to
               receive eligibility credit for such fractional year.

     F.   For purposes of calculating periods of Service, the Employer shall
          calculate periods of Service based on an actual count of the Hours of
          Service an Employee performs

          [ ]  or, if this box is checked, an Employee shall be credited with 45
               Hours of Service for each week during which the Employee performs
               an actual Hour of Service.

     G.   Before an Employee may become a Participant, the Employee need not
          attain any minimum age

          [ ]  or, if this box is checked, an Employee must be at least
                                                                        --------
               (insert "21" or less) years of age.

     H.   For purposes of determining the Employees that are entitled to become
          Participants and which organizations and/or entities constitute the
          Employer, "Employer" shall include all organizations and entities
          aggregated with the adopting organizations or entity pursuant to the
          provisions of Code Section 414

                                       1

<PAGE>

          [ ]  or, if this box is checked, "Employer" shall include the adopting
               organization or entity and the following additional organizations
               or entities:

               -----------------------------------------------------------------

               -----------------------------------------------------------------

               -----------------------------------------------------------------

     I.   All Employees are entitled to be Participants except (one or more may
          be selected):

          [ ]  Non-resident aliens who receive no earned income from the
               Employer which constitutes income from sources within the United
               States;

          [ ]  Individuals covered by a collective bargaining contract which
               meets the requirements specified in the Plan;

          [ ]  Salaried Employees;

          [ ]  Hourly-paid Employees;

          [ ]  Piece-rate Employees;

          [X]  Employees paid by commission;

          [ ]  Employees covered by another retirement plan to which the
               Employer is required to contribute; and

          [ ]  Employees in the following non-discriminatory classification:
               Contract Employees.

     NOTE: If Employees are excluded from the Plan under one or more of the
     classifications above (not including the first two classifications), the
     Plan must satisfy on a continuing basis the coverage, nondiscrimination,
     and participation requirements of Code Sections 410(b), 401(a)(4), and
     401(a)(26).

     II. SALARY REDUCTIONS AND DEFERRED CASH CONTRIBUTIONS

     For each Plan Year, the Employer will make the following contribution to
     the Trust on behalf of each eligible Participant:

     Select and Complete if   [X](A) A Salary Reduction Contribution equal to
     Salary Reduction Con-           the portion of the Compensation otherwise
     tributions are Desired          payable to the Participant that the
                                     Participant has elected to contribute to
                                     the Trust. The Participant's election shall
                                     specify the amount of the Compensation to
                                     be contributed, which amount shall be not
                                     less than 0% (insert "0" or more, but not
                                     more than the next chosen number) and not
                                     more than 15% (insert "20" or less, but not
                                     less than the previously chosen number) of
                                     the Participant's Compensation for the Plan
                                     Year.

     Select and Complete if   [ ](B) A Deferred Cash Contribution equal to that
     Deferred Cash Contri-           portion of the Deferred Cash Allocation for
     butions are Desired             the Plan Year which the eligible
                                     Participant has not elected to receive in
                                     cash. The Deferred Cash Allocation for this
                                     purpose shall be an amount equal to the
                                     percentage of the eligible Participant's
                                     Compensation as is determined by the
                                     Employer for each Plan Year (which
                                     percentage shall be the same for each
                                     Participant)

                                     [ ] or, if the box is checked,   % of the
                                                                   ---
                                         eligible Participant's Compensation.

     III. PROFIT SHARING CONTRIBUTIONS

     For each Plan Year, the Employer will not make an Employer Profit Sharing
     Contribution

     Select if Profit Sharing        [X] or, if this box is checked, the
     Contributions are Desired           Employer will make an Employer Profit
                                         Sharing Contribution equal to the
                                         amount, if any, determined by the
                                         Employer for each Plan Year.

     IV.  MATCHING CONTRIBUTIONS

     A.   For each Plan Year, the Employer will not make an Employer Matching
          Contribution

     Select and Complete if          [X] or, if this box is checked, the
     Employer Matching Contri-           Employer will make an Employer Matching
     butions are Desired                 Contribution on behalf of each
                                         Participant who, pursuant to Section VI
                                         below, is eligible to receive an
                                         allocation; such contribution shall be
                                         equal to the percentage indicated in
                                         (B) below of aggregate:

     Select One or More if               [X] (i) Salary Reduction Contributions
     Employer Matching
     Contributions have been             [ ] (ii) Deferred Cash Contributions
     Selected
                                         [ ] (iii) Nondeductible Voluntary
                                                   Contributions

                                        2

<PAGE>

     B.   The Employer Matching Contribution made on behalf of each Participant
          shall be equal to a percentage of the Participant's contributions
          selected in (A) above; which percentage shall be equal to at least:

                              [ ]  (i)      %
                                       -----

                              [ ]  (ii) the sum of 100% of such contributions
                                   which are not in excess of 3% of the
                                   Participant's Compensation plus O% of such
                                   contributions which are in excess of 3% of
                                   the Participant's Compensation, but not in
                                   excess of 3% of the Participant's
                                   Compensation

                              [ ]  (iii) the sum of     % of such contributions
                                                    ----
                                   which are not in excess of      dollars, plus
                                                              ----
                                      % of such contributions which are in
                                   ---
                                   excess of      dollars, but not in excess of
                                             ----
                                         dollars.
                                   -----

     NOTE: If (ii) or (iii) above are completed with the second matching
     percentage (following the word "plus") greater than the first matching
     percentage (following the words "the sum of"), the IRS may deem the plan to
     be discriminatory under Code Section 401(a)(4).

     C.   The Employer will make Employer Matching Contributions regardless of
          the dollar amount or percent of the Participant's aggregate
          contribution indicated in (A) above

                              [ ]  or, if this box is checked, the Employer
                                   shall make an Employer Matching Contribution
                                   on behalf of a Participant but only if the
                                   Participant's aggregate contributions
                                   indicated in (A) above equal or exceed
                                          (insert "$0", a higher dollar amount
                                   ------
                                   or a percentage which is not in excess of the
                                   next chosen number) of such Participant's
                                   Compensation and then only to the extent that
                                   the aggregate amount of the contributions
                                   designated in A.(i), A.(ii) or A.(iii) which
                                   are allocated to the Participant's Account
                                   for such Plan Year does not exceed
                                            (insert a percentage or dollar
                                   --------
                                   amount) of the Participant's Compensation.

     V.   VESTING OF EMPLOYER CONTRIBUTIONS

     NOTE: Make selections in Section V. only if Employer Profit Sharing
     Contributions and/or Employer Matching Contributions have been selected.

     A.   Employer Profit Sharing Contributions shall be immediately vested and
          nonforfeitable.

     Select One if            [X] (1) or, if this box is checked, vested at the
     Desired, and                     rate specified in Column 1 below.
     Complete if
     Necessary                [ ] (2) or, if this box is checked, vested at the
                                      rate specified in Column 2 below.

                              [ ] (3) or, if this box is checked, vested at the
                                      rate specified in Column 3 below.

                              [ ] (4) or, if this box is checked, vested at the
                                      rate specified in Column 4 below which
                                      rate shall, if a graded rate is specified,
                                      be at least as rapid as the rate specified
                                      in Column 2 below or, if a cliff rate is
                                      specified, be at least as rapid as the
                                      rate specified in Column 3 below.

                                  VESTING TABLE

                 Column 1      Column 2      Column 3     Column 4
     Vesting     Top-Heavy       7-Year       5-Year     Percentage
      Years    Vesting Rate   Graded Rate   Cliff Rate     Elected
     -------   ------------   -----------   ----------   ----------
        1            0%             0%           0%
                                                             ---
        2           20%             0%           0%
                                                             ---
        3           40%            20%           0%
                                                             ---
        4           60%            40%           0%
                                                             ---
        5           80%            60%         100%
                                                             ---
        6          100%            80%         100%
                                                             ---
        7          100%           100%         100%
                                                             ---

     NOTE: Employer Profit Sharing Contributions must be immediately vested and
     nonforfeitable if the Employer makes the election in Section I.C. above and
     requires Employees to complete more than one Year of Service.

     B.   Employer Matching Contributions shall be immediately vested and
          nonforfeitable.

                              [X] (1) or, if this box is checked, vested at the
                                      rate specified in Column 1 below.

                              [ ] (2) or, if this box is checked, vested at the
                                      rate specified in Column 2 below.

                              [ ] (3) or, if this box is checked, vested at the
                                      rate specified in Column 3 below.

                              [ ] (4) or, if this box is checked, vested at the
                                      rate specified in Column 4 below which
                                      rate shall, if a graded rate is specified,
                                      be at least as rapid as the rate specified
                                      in Column 2 below or, if a cliff rate is
                                      specified, be at least as rapid as the
                                      rate specified in Column 3 below.

                                   3

<PAGE>

                                  VESTING TABLE

                 Column 1      Column 2      Column 3     Column 4
     Vesting     Top-Heavy       7-Year       5-Year     Percentage
      Years    Vesting Rate   Graded Rate   Cliff Rate     Elected
     -------   ------------   -----------   ----------   ----------
        1            0%             0%           0%
                                                             ---
        2           20%             0%           0%
                                                             ---
        3           40%            20%           0%
                                                             ---
        4           60%            40%           0%
                                                             ---
        5           80%            60%         100%
                                                             ---
        6          100%            80%         100%
                                                             ---
        7          100%           100%         100%
                                                             ---

     NOTE: Employer Matching Contributions must be immediately vested and
     nonforfeitable if the Employer makes the election in Section I.C. above and
     requires Employees to complete more than one Year of Service.

     C.   The following Service will be included in determining Vesting Years
          only if checked below:

                              [X] (1) Service before the Employer maintained
                                      this Plan or a predecessor plan.

                              [ ] (2) Service before the first Plan Year during
                                      which a Participant attained age 18.

                              [ ] (3) Service after five consecutive
                                      One-Year Breaks in Service (this inclusion
                                      shall apply only for the purpose of
                                      computing the vested percentage of
                                      Employer Profit Sharing Contributions and
                                      Employer Matching Contributions made
                                      before such period).

                              [ ] (4) Service before January 1, 1971, unless the
                                      Participant has completed three or more
                                      Vesting Years after December 31, 1970.

                              [ ] (5) Service before the first Plan Year to
                                      which ERISA is applicable, if this Plan is
                                      a continuation of an earlier plan which
                                      would have disregarded such service.

     D.   Vesting Years and One-Year Breaks in Service for the purpose of
          vesting shall be measured on the 12-consecutive-month period beginning
          on the Participant's initial date of employment or an anniversary of
          that date

          [X]  or, if this box is checked, on the Plan Year.

     E.   The Participant will have a Vesting Year only if the Participant
          completes the number of Hours of Service specified in Section I.E.
          above

          [ ]  or, if this box is checked, if the Participant either completes
               the number of Hours of Service specified in Section I.E. or
               receives an allocation of the Employer Profit Sharing
               Contribution for the Plan Year, or both.

     NOTE: You may make this election only if you checked the box in Section
     V.D. directly above.

     F.   If the Plan becomes a Top Heavy Plan but thereafter ceases to be a Top
          Heavy Plan, the vesting schedule in effect while the Plan was a Top
          Heavy Plan will continue to be in effect for all existing and future
          Participants

          [ ]  or, if this box is checked, the vesting schedule selected in
               Sections V.A. or B. above, as the case may be, will apply for all
               Plan Years during which the Plan is not a Top Heavy Plan.

     VI.  ALLOCATIONS OF EMPLOYER CONTRIBUTIONS

     A.   A Participant who has terminated Service during a Plan Year and is not
          employed on the last day of such Plan Year shall receive any Deferred
          Cash Allocation made pursuant to Section II.B. above and shall share
          in any allocation of Employer Profit Sharing Contributions, Employer
          Matching Contributions and/or reallocated forfeitures pursuant to
          Sections III. and IV. above for such Plan Year

          [X]  or, if this box is checked, shall receive any Deferred Cash
               Allocation made pursuant to Section II.B. above and shall share
               in any allocation of Employer Profit Sharing Contributions,
               Employer Matching Contributions and/or reallocated forfeitures
               pursuant to Sections III. and IV. above only if such Participant
               completes 501 (insert "501" or less) Hours of Service during such
               Plan Year.

     Note: You may make this election only if you checked the box in Section
     V.D. above.

                                        4

<PAGE>

     B.   An otherwise eligible Participant who is a Highly Compensated Employee
          for a given Plan Year shall receive an allocation of any Employer
          Profit Sharing Contributions made pursuant to Section III. above and
          any reallocated forfeitures

          [ ]  or, if this box is checked, shall not receive an allocation of
               any Employer Profit Sharing Contributions made pursuant to
               Section III. above and any reallocated forfeitures.

     C.   An otherwise eligible Participant who is a Highly Compensated Employee
          for a given Plan Year shall receive an allocation of any Employer
          Matching Contributions made pursuant to Section III.B. above and any
          reallocated forfeitures

          [ ]  or, if this box is checked, shall not receive an allocation of
               any Employer Matching Contributions made pursuant to IV. above
               and any reallocated forfeitures.

     D.   Any required minimum Top-Heavy allocations will be made first from
          this Plan

          [ ]  or, if this box is checked, first from the
                                                          ---------------------
               Plan (insert name of another qualified retirement plan maintained
               by the Employer).

     E.   For any Plan Year for which the Plan is a Top Heavy Plan, minimum
          allocations shall be made in accordance with the provisions of Section
          23.03

          [ ]  or, if this box is checked, because the Employer maintains at
               least one other qualified retirement plan, minimum allocations
               shall be made at the following rate of compensation:      %
                                                                   ------
               (insert "3" or more).

     NOTES: The Employer may not make an election in Section VI.A. above, if
     discrimination in favor of Highly Compensated Employees will result.

     Only consider checking the box in Section VI.D. if the Employer sponsors
     two or more tax-qualified retirement plans and either (1) one of those
     plans is a defined benefit plan or (2) the plans do not have identical
     eligibility requirements.

     VII. REALLOCATION OF FORFEITURES

     Any forfeiture which results from a Participant's termination of Service
     shall be reallocated as if it were a contribution of the same type (i.e.,
     Employer Profit Sharing Contribution or Employer Matching Contribution) for
     the Plan Year following the Plan Year in which such forfeiture occurs

          [X]  or, if this box is checked, such forfeiture shall be deemed to be
               an Employer Matching Contribution, and applied to reduce the
               aggregate amount the Employer must contribute in Employer
               Matching Contributions for the Plan Year during which the
               forfeiture occurs.

     VII. COMPENSATION

     A.   "Compensation" for purposes of allocating Employer Profit Sharing
          Contributions, shall include the following:

          (i) A Participant's Salary Reduction Contributions, Deferred Cash
          Contributions (which the Participant did not elect to take in cash)
          and other amounts which are excluded from an Employee's gross income
          pursuant to Code Section 125, 402(a)(8), 402(h)(I)(B), and 403(b).

               [ ]  or, if this box is checked, shall not include a
                    Participant's Salary Reduction Contributions, Deferred Cash
                    Contributions, (which the Participant did not elect to take
                    in cash) and other amounts which are excluded from an
                    Employee's gross income pursuant to Code Sections 125,
                    402(a)(8), 402(h)(l)(B), and 403(b);

          (ii) Amounts paid during the Plan Year by the Employer to the Employee
          while the Employee was a Participant

               [ ]  or, if this box is checked, "Compensation" shall include
                    amounts paid by the Employer to the Employee during the
                    entire Plan Year in which an Employee became a Participant
                    whether or not such an Employee was a Participant for the
                    entire Plan Year,

          (iii) All Form W-2 compensation

               [X]  or, if this box is checked, all Form W-2 compensation except
                    the items checked below: (Select one or more if desired)

                    [X]  Bonuses

                    [ ]  Commissions

                    [ ]  Overtime Payments

                    [ ]  Other (specify)
                                        ----------------------------------------

NOTE: If one or more of the above are chosen, the exclusion must NOT result in
discrimination in favor of Highly Compensated Employees.

                                        5

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