Document:

EXHIBIT 10.1
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                              EMPLOYMENT AGREEMENT
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     THIS  EMPLOYMENT AGREEMENT (hereinafter referred to as this "AGREEMENT") is
entered  into  as  of  the  1st  day  of January, 2000, by and between Home City
Federal  Savings Bank of Springfield, a savings bank chartered under the laws of
the  United  States  (hereinafter referred to as the "EMPLOYER"), and Douglas L.
Ulery,  an  individual  (hereinafter  referred  to  as  the  "EMPLOYEE");

                                   WITNESSETH:

     WHEREAS,  the  EMPLOYEE  is  currently  employed as the President and Chief
Executive  Officer  of  the  EMPLOYER;

     WHEREAS,  as  a  result  of  the  skill,  knowledge  and  experience of the
EMPLOYEE,  the Board of Directors of the EMPLOYER desires to retain the services
of  the  EMPLOYEE as the  President and Chief Executive Officer of the EMPLOYER;

     WHEREAS,  the  EMPLOYEE  desires  to continue to serve as the President and
Chief  Executive  Officer  of  the  EMPLOYER;  and

     WHEREAS,  the EMPLOYEE and the EMPLOYER desire to enter into this AGREEMENT
to set forth the terms and conditions of the employment relationship between the
EMPLOYER  and  the  EMPLOYEE;

     NOW,  THEREFORE,  in  consideration  of  the  premises and mutual covenants
herein  contained,  the  EMPLOYER  and  the  EMPLOYEE  hereby  agree as follows:

1.     Employment  and  Term.
       ---------------------

     (a)     Term.  Upon  the  terms  and  subject  to  the  conditions  of this
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AGREEMENT,  the  EMPLOYER  hereby  employs the EMPLOYEE, and the EMPLOYEE hereby
accepts  employment,  as  the  President  and  Chief  Executive  Officer  of the
EMPLOYER.  The TERM of this AGREEMENT shall commence on the date first set forth
above  and  shall  end  twenty-four (24) months thereafter, subject to extension
pursuant  to  subsection  (b) of this Section 1 (hereinafter, including any such
extensions,  referred  to as the "TERM"), and to earlier termination as provided
herein.

     (b)     Extension.  Prior  to  each  anniversary  of  the  date  of  this
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AGREEMENT,  the  Board  of Directors of the EMPLOYER shall review the EMPLOYEE's
performance  and  this  AGREEMENT and document its approval of this AGREEMENT in
the  board  minutes.  In  connection  with such annual review, the TERM shall be
extended  for  a  one-year  period  beyond  the  then-effective expiration date,
provided  the  Board  of  Directors of the EMPLOYER determines in a duly adopted
resolution  that this AGREEMENT should be extended.  Any such extension shall be
subject  to  the  written  consent  of  the  EMPLOYEE.

2.     Duties  of  the  EMPLOYEE.
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     (a)     General  Duties  and Responsibilities.  The EMPLOYEE shall serve as
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the  President  and  Chief  Executive  Officer  of the EMPLOYER.  Subject to the
direction  of  the  Board  of Directors of the EMPLOYER, the EMPLOYEE shall have
responsibility  for  the  general  management  and  control  of the business and
affairs  of  the EMPLOYER and shall perform all duties and shall have all powers
which  are  commonly  incident  to  the  office of President and Chief Executive
Officer  or  which,  consistent  therewith, are delegated to him by the Board of
Directors.  Such  duties  shall include, but not be limited to, (1) managing the
day-to-day  operations of the EMPLOYER, (2) managing the efforts of the EMPLOYER
to  comply  with  applicable laws and regulations, (3) marketing of the EMPLOYER
and  its  services,
(4)  supervising  other  employees  of  the  EMPLOYER,  (5) providing prompt and
accurate reports to the Board of Directors of the EMPLOYER regarding the affairs
and  conditions  of the EMPLOYER, and (6) making recommendations to the Board of
Directors of the EMPLOYER concerning the strategies, capital structure, tactics,
and  general  operations  of  the  EMPLOYER.

     (b)     Devotion  of  Entire  Time  to  the  Business of the EMPLOYER.  The
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EMPLOYEE  shall  devote his entire productive time, ability and attention during
normal  business  hours  throughout  the TERM to the faithful performance of his
duties  to  the  EMPLOYER  and its holding company and to their subsidiaries and
affiliates.   The  EMPLOYEE shall not directly or indirectly render any services
of  a  business, commercial or professional nature to any person or organization
other  than  the EMPLOYER and Home City Financial Corporation ("HCFC") and their
subsidiaries  and  affiliates  without the prior written consent of the Board of
Directors  of  the  EMPLOYER;  provided, however, that the EMPLOYEE shall not be
precluded  from
(i)  reasonable  participation  in  community,  civic,  charitable  or  similar
organizations; or (ii) the pursuit of personal investments that do not interfere
or  conflict  with  the  performance  of  the EMPLOYEE's duties to the EMPLOYER.
Nothing in this section shall limit the EMPLOYEE's right to invest in securities
of  any  business  that  does  not  provide  services or products of the type or
competing with those provided by the EMPLOYER or its subsidiaries or affiliates.

3.     Compensation,  Benefits  and  Reimbursements.
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     (a)     Salary.  The  EMPLOYEE  shall  receive  during  the  TERM an annual
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salary payable in equal installments not less often than monthly.  The amount of
such  annual salary shall be $115,000 until changed by the Board of Directors of
the  EMPLOYER  in  accordance  with  Section  3(b)  of  this  AGREEMENT.

     (b)     Annual  Salary  Review.  On  or  before  each  anniversary  of  the
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effective  date  of  this  AGREEMENT, the annual salary of the EMPLOYEE shall be
reviewed  by  the  Board  of  Directors of the EMPLOYER and may be maintained or
increased,  in  its discretion, based upon the EMPLOYEE's individual performance
and  the  overall  profitability  and  financial condition of the EMPLOYER.  The
results  of  the  annual  salary review shall be reflected in the minutes of the
appropriate  meetings  of  the  Board  of  Directors  of  the  EMPLOYER.

     (c)     Expenses.  In  addition  to any compensation received under Section
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3(a)  or (b) of this AGREEMENT, the EMPLOYER shall pay or reimburse the EMPLOYEE
for  all reasonable travel, entertainment and miscellaneous expenses incurred in
connection  with  the  performance  of  his  duties  under this AGREEMENT.  Such
reimbursement  shall  be  made  in  accordance  with  the  existing policies and
procedures  of  the  EMPLOYER  pertaining to reimbursement of expenses to senior
management  officials.

     (d)     Employee  Benefit  Programs.
             ---------------------------

          (i)     During the TERM, the EMPLOYEE shall be entitled to participate
in  all formally established employee benefit, bonus, pension and profit-sharing
plans  and  similar  programs  that  are maintained by the EMPLOYER from time to
time,  including  programs  in  respect  of  group  health,  disability  or life
insurance,  and  all  employee  benefit  plans  or programs hereafter adopted in
writing  by  the Board of Directors of the EMPLOYER, for which senior management
personnel  are  eligible,  including  any  employee  stock ownership plan, stock
option plan or other stock benefit plan (hereinafter collectively referred to as
the  "BENEFIT  PLANS").  Notwithstanding any statement to the contrary contained
elsewhere  in  this  Agreement, the EMPLOYER may discontinue or terminate at any
time  any  such  BENEFIT PLANS, now existing or hereafter adopted, to the extent
permitted  by  the  terms  of  such  plans  and applicable law, and shall not be
required  to compensate the EMPLOYEE for such discontinuance or termination; and

          (ii)     After  the  termination  of the employment of the EMPLOYEE in
accordance with Section 4 of this AGREEMENT for any reason other than JUST CAUSE
(as defined hereinafter), the EMPLOYER shall provide, at the EMPLOYER's expense,
from the date of termination until the end of the TERM or until the earlier date
the  EMPLOYEE  obtains  substantially equivalent coverage from another full-time
employer,  substantially the same health, disability and life insurance benefits
as  are  available  to  retired  employees  of  the EMPLOYER on the date of this
AGREEMENT;  provided, however, that the EMPLOYER's obligation under this Section
3(d)(ii)  shall  terminate  in  the  event  that  the  EMPLOYER  no longer makes
available  an  employee  group health, disability or life insurance program that
permits the EMPLOYER to make coverage available for retirees or in the event the
EMPLOYER's  employee group health, disability or life insurance program does not
permit  the  coverage  of  the  EMPLOYEE.

     (e)     Vacation  and  Sick Leave.  The EMPLOYEE shall be entitled, without
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loss  of  pay, to be absent voluntarily from the performance of his duties under
this  AGREEMENT,  subject  to  the  following  conditions:

     (i)     The  EMPLOYEE  shall be entitled to annual vacation and annual sick
leave  in  accordance with the policies periodically established by the Board of
Directors  of  the EMPLOYER for senior management officials of the EMPLOYER; and

     (ii)     In  addition  to paid vacations and sick leave, the EMPLOYEE shall
be  entitled,  without  loss  of  pay,  to  absent  himself voluntarily from the
performance  of  his  employment with the EMPLOYER for such additional period of
time  and  for  such  valid  and  legitimate  reasons  as  the Board may, in its
discretion, determine, and the Board may grant to the EMPLOYEE a leave or leaves
of  absence,  with or without pay, at such time or times and upon such terms and
conditions  as  such  Board,  in  its  discretion,  may  determine.

4.     Termination  of  Employment.
       ---------------------------

     (a)     General.  The  employment  of  the  EMPLOYEE shall terminate at any
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time  during the TERM (i) at the option of the EMPLOYER upon the delivery by the
EMPLOYER of written notice of employment termination to the EMPLOYEE, or (ii) at
the  option  of the EMPLOYEE upon the delivery by the EMPLOYEE of written notice
of  termination  to  the  EMPLOYER  if,  unless  consented  to in writing by the
EMPLOYEE,  (A)  the  present  capacity or circumstances in which the EMPLOYEE is
employed  are  materially  changed  (including,  without  limitation, a material
reduction  in  responsibilities  or  authority,  or  the assignment of duties or
responsibilities  substantially inconsistent with those normally associated with
the  EMPLOYEE's  position  described in Section 2(a) of this AGREEMENT), (B) the
EMPLOYEE  is no longer the President and Chief Executive Officer of the EMPLOYER
and  HCFC,  (C)  the  EMPLOYEE  is  required  to move his personal residence, or
perform his principal executive functions, more than thirty-five (35) miles from
his  primary  office  as  of  the  date  of the commencement of the TERM of this
AGREEMENT, or (D) the EMPLOYER otherwise breaches this AGREEMENT in any material
respect.

     (b)     Termination  for  JUST  CAUSE.  In  the  event  that  the  EMPLOYER
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terminates  the  employment  of  the  EMPLOYEE before the expiration of the TERM
because of the EMPLOYEE's personal dishonesty, incompetence, willful misconduct,
breach  of  fiduciary  duty  involving  personal  profit, intentional failure or
refusal  to  perform the duties and responsibilities assigned in this AGREEMENT,
willful violation of any law, rule, regulation (other than traffic violations or
similar offenses) or final cease-and-desist order, conviction of a felony or for
fraud  or  embezzlement,  or  material breach of any provision of this AGREEMENT
(hereinafter  collectively  referred to as "JUST CAUSE"), the EMPLOYEE shall not
receive,  and shall have no right to receive, any compensation or other benefits
for  any  period  after  such  termination.

     (c)     Termination  in  Connection  with  a  CHANGE  OF  CONTROL.
             ---------------------------------------------------------

          (i)     In  the  event  that,  in  connection with a CHANGE OF CONTROL
(including,  without  limitation, a termination other than for JUST CAUSE within
six  months  prior  to  a  CHANGE  OF CONTROL) or after a CHANGE OF CONTROL, the
employment  of  the  EMPLOYEE is terminated by the EMPLOYER for any reason other
than  JUST  CAUSE  before  the  expiration of the TERM, then the following shall
occur:

          (A)     The  EMPLOYER  shall  promptly  pay  to the EMPLOYEE or to his
beneficiaries,  dependents  or  estate  an  amount  equal  to the product of two
multiplied by the greater of the annual salary set forth in Section 3(a) of this
AGREEMENT or the annual salary payable to the EMPLOYEE as a result of any annual
salary  review  in  accordance  with  Section  3  (b)  of  this  AGREEMENT;

          (B)      The  EMPLOYER  shall continue to provide to the EMPLOYEE, his
dependents,  beneficiaries  and  estate,  at  the  EMPLOYER's  expense,  health,
disability  and  life insurance benefits as provided in Section 3(d)(ii) of this
Agreement,  until  the  expiration  of  the  TERM  or until the earlier date the
EMPLOYEE  obtains  substantially  equivalent  coverage  from  another  full-time
employer;  and

          (C)     The  EMPLOYEE  shall not be required to mitigate the amount of
any  payment  provided  for  in  this  AGREEMENT  by seeking other employment or
otherwise,  nor shall any amounts received from other employment or otherwise by
the  EMPLOYEE  offset  in  any manner the obligations of the EMPLOYER hereunder,
except  as  specifically  stated  in  subparagraph  (B).

          (ii)     In  the  event that, within six months prior to or within one
year  after a CHANGE OF CONTROL, the employment of the EMPLOYEE is terminated by
the  EMPLOYEE  in  accordance with Section 4(a)(ii) of this AGREEMENT before the
expiration  of  the  TERM,  then  the  following  shall  occur:

          (A)     The  EMPLOYER  shall  promptly  pay  to the EMPLOYEE or to his
beneficiaries,  dependents  or  estate  an  amount  equal  to the product of two
multiplied by the greater of the annual salary set forth in Section 3(a) of this
AGREEMENT or the annual salary payable to the EMPLOYEE as a result of any annual
salary  review  in  accordance  with  Section  3  (b)  of  this  AGREEMENT;

          (B)     The  EMPLOYER  shall  continue to provide to the EMPLOYEE, his
dependents,  beneficiaries  and  estate,  at  the  EMPLOYER's  expense,  health,
disability  and  life insurance benefits as provided in Section 3(d)(ii) of this
Agreement,  until  the  expiration  of  the  TERM  or until the earlier date the
EMPLOYEE  obtains  substantially  equivalent  coverage  from  another  full-time
employer;  and

          (C)     The  EMPLOYEE  shall not be required to mitigate the amount of
any  payment  provided  for  in  this  AGREEMENT  by seeking other employment or
otherwise,  nor shall any amounts received from other employment or otherwise by
the  EMPLOYEE  offset  in  any manner the obligations of the EMPLOYER hereunder,
except  as  specifically  stated  in  subparagraph  (B).

     In  the event that payments pursuant to this subsection (c) would result in
the  imposition  of a penalty tax pursuant to Section 280G(b)(3) of the Internal
Revenue  Code  of  1986,  as amended, and the regulations promulgated thereunder
(hereinafter collectively referred to as "SECTION 280G"), such payments shall be
reduced  to  the  maximum  amount  that  may  be paid under SECTION 280G without
exceeding  such  limits.  Payments  pursuant to this subsection (c) also may not
exceed  applicable  limits  established  by  the  Office  of  Thrift Supervision
(hereinafter referred to as the "OTS").  In the event a reduction in payments is
necessary in order to comply with the requirements of this AGREEMENT relating to
the  limitations  of  SECTION  280G  or  applicable OTS limits, the EMPLOYEE may
determine,  in  his  sole  discretion,  which  categories  of payments are to be
reduced  or  eliminated.

          (d)     Termination  Without CHANGE OF CONTROL.  In the event that the
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employment of the EMPLOYEE is terminated by the EMPLOYER or is terminated by the
EMPLOYEE  in  accordance  with  Section  4(a)(ii)  of  this AGREEMENT before the
expiration  of the TERM other than (i) for JUST CAUSE or (ii) in connection with
or after a CHANGE OF CONTROL, the EMPLOYER shall be obligated (A) to  pay to the
EMPLOYEE,  his  designated beneficiaries or his estate, for the remainder of the
TERM,  the  salary  set  forth  in  Section 3(a) of this AGREEMENT or the salary
payable  to  the  EMPLOYEE as a result of any annual salary review in accordance
with  Section 3(b) of this AGREEMENT; and (B) to provide to the EMPLOYEE, at the
EMPLOYER's  expense,  health, disability and life insurance benefits as provided
in Section 3(d)(ii) of this Agreement, until the expiration of the TERM or until
the  earlier  date  the  EMPLOYEE obtains substantially equivalent coverage from
another  full-time  employer.   In  the  event  that  payments  pursuant to this
subsection  (d)  would  result  in  the  imposition of a penalty tax pursuant to
SECTION  280G,  such payments shall be reduced to the maximum amount that may be
paid  under  SECTION  280G without exceeding those limits.  Payments pursuant to
this  subsection  also  may  not exceed the applicable limits established by the
OTS.  In  the event a reduction in payments is necessary in order to comply with
the  requirements  of this AGREEMENT relating to the limitations of SECTION 280G
or  applicable  OTS  limits, the EMPLOYEE may determine, in his sole discretion,
which  categories  of  payments  are  to  be  reduced  or  eliminated.

     (e)     Death of the EMPLOYEE.  The TERM shall automatically terminate upon
             ---------------------
the  death  of  the EMPLOYEE.  In the event of such death, the EMPLOYEE's estate
shall  be entitled to receive the compensation due the EMPLOYEE through the last
day  of  the  calendar  month  in  which the death occurred, except as otherwise
specified  herein.

     (f)     "Golden  Parachute"  Provision.  Any  payments made to the EMPLOYEE
             ------------------------------
pursuant  to  this  AGREEMENT  or  otherwise are subject to and conditioned upon
their  compliance  with  12  U.S.C.  Sec.1828(k) and any regulations promulgated
thereunder.

     (g)     Definition  of  "CHANGE  OF  CONTROL".  A "CHANGE OF CONTROL" shall
             -------------------------------------
mean  any one of the following events: (i) the acquisition of ownership or power
to  vote  more  than  25%  of the voting stock of the EMPLOYER or HCFC; (ii) the
acquisition  of  the  ability  to  control  the  election  of  a majority of the
directors  of  the  EMPLOYER or HCFC; (iii) during any period of two consecutive
years,  individuals  who at the beginning of such period constitute the Board of
Directors  of the EMPLOYER or HCFC cease for any reason to constitute at least a
majority  thereof;  provided,  however,  that  any  individual whose election or
nomination  for election as a member of the Board of Directors was approved by a
vote  of at least two-thirds of the directors then in office shall be considered
to  have  continued  to  be  a  member  of  the  Board of Directors; or (iv) the
acquisition  by  any  person  or  entity of "conclusive control" of the EMPLOYER
within  the  meaning of 12 C.F.R. Sec.574.4(a), or the acquisition by any person
or  entity  of "rebuttable control" within the meaning of 12 C.F.R. Sec.574.4(b)
that  has  not  been  rebutted  in  accordance with 12 C.F.R. Sec.574.4(c).  For
purposes  of  this  paragraph,  the  term  "person"  refers  to an individual or
corporation,  partnership,  trust,  association, or other organization, but does
not  include  the  EMPLOYEE  and any person or persons with whom the EMPLOYEE is
"acting  in  concert"  within  the  meaning  of  12  C.F.R.  Part  574.

     (h)     Legal  Fees.  The  EMPLOYER  shall  promptly pay all legal fees and
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expenses that the EMPLOYEE may incur as a result of the EMPLOYEE or the EMPLOYER
contesting  the  validity  or  enforceability  of  this  AGREEMENT if a court of
competent  jurisdiction  renders  a final decision in favor of the EMPLOYEE with
respect  to any such contest, or to the extent agreed to by the EMPLOYER and the
EMPLOYEE  in  an  agreement  of  settlement  with  respect  to any such contest.

5.     Special  Regulatory Events.  Notwithstanding Section 4 of this AGREEMENT,
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the obligations of the EMPLOYER to the EMPLOYEE shall be as follows in the event
of  the  following  circumstances:

     (a)     If  the  EMPLOYEE  is  suspended and/or temporarily prohibited from
participating  in the conduct of the EMPLOYER's affairs by a notice served under
Section  8(e)  (3)  or (g) (1) of the Federal Deposit Insurance Act (hereinafter
referred  to  as  the  "FDIA"),  the EMPLOYER's obligations under this AGREEMENT
shall  be  suspended  as of the date of service of such notice, unless stayed by
appropriate  proceedings.  If  the  charges  in  the  notice  are dismissed, the
EMPLOYER  shall  (i) pay the EMPLOYEE all of the compensation withheld while the
obligations  in  this  AGREEMENT  were  suspended  and (ii) reinstate any of the
obligations  that  were  suspended.

     (b)     If  the  EMPLOYEE  is  removed  and/or  permanently prohibited from
participating  in the conduct of the EMPLOYER's affairs by an order issued under
Section  8(e)  (4) or (g) (1) of the FDIA, all obligations of the EMPLOYER under
this AGREEMENT shall terminate as of the effective date of such order; provided,
however,  that  vested  rights  of  the  EMPLOYEE  shall not be affected by such
termination.

     (c)     If  the EMPLOYER is in default as defined in Section 3(x)(1) of the
FDIA,  all  obligations  under  this AGREEMENT shall terminate as of the date of
default;  provided,  however,  that  vested  rights of the EMPLOYEE shall not be
affected.

     (d)     All obligations under this AGREEMENT shall be terminated, except to
the  extent  of  a  determination  that  the  continuation  of this AGREEMENT is
necessary  for  the  continued operation of the EMPLOYER, (i) by the Director of
the  OTS,  or his or her designee at the time that the Federal Deposit Insurance
Corporation  enters  into  an agreement to provide assistance to or on behalf of
the  EMPLOYER under the authority contained in Section 13(c) of the FDIA or (ii)
by  the Director of the OTS, or his or her designee, at any time the Director of
the  OTS,  or  his  or  her  designee,  approves a supervisory merger to resolve
problems  related  to  the  operation  of  the  EMPLOYER or when the EMPLOYER is
determined  by  the Director of the OTS to be in an unsafe or unsound condition.
No  vested  rights  of  the  EMPLOYEE  shall  be  affected  by  any such action.

6.     Consolidation, Merger or Sale of Assets.  Nothing in this AGREEMENT shall
       ---------------------------------------
preclude  the  EMPLOYER  from  consolidating with, merging into, or transferring
all, or substantially all, of its assets to another corporation that assumes all
of  the  EMPLOYER's  obligations  and  undertakings  hereunder.  Upon  such  a
consolidation, merger or transfer of assets, the term "EMPLOYER" as used herein,
shall  mean  such other corporation or entity, and this AGREEMENT shall continue
in  full  force  and  effect.

7.     Confidential  Information.  The  EMPLOYEE  acknowledges  that  during his
       -------------------------
employment  he  will learn and have access to confidential information regarding
the  EMPLOYER  and  its  customers  and  businesses.  The  EMPLOYEE  agrees  and
covenants  not  to  disclose  or  use for his own benefit, or the benefit of any
other  person  or  entity,  any  confidential  information,  unless or until the
EMPLOYER  consents  to such disclosure or use or such information becomes common
knowledge  in  the  industry  or is otherwise legally in the public domain.  The
EMPLOYEE  shall  not knowingly disclose or reveal to any unauthorized person any
confidential  information  relating to the EMPLOYER, its parent, subsidiaries or
affiliates,  or  to  any  of  the  businesses operated by them, and the EMPLOYEE
confirms  that  such  information  constitutes  the  exclusive  property  of the
EMPLOYER.  The EMPLOYEE shall not otherwise knowingly act or conduct himself (a)
to  the  material detriment of the EMPLOYER, its subsidiaries, or affiliates, or
(b)  in a manner which is inimical or contrary to the interests of the EMPLOYER.

8.     Nonassignability.  Neither  this  AGREEMENT  nor  any  right  or interest
       ----------------
hereunder  shall  be  assignable  by  the  EMPLOYEE, his beneficiaries, or legal
representatives without the EMPLOYER's prior written consent; provided, however,
that  nothing in this Section 8 shall preclude (a) the EMPLOYEE from designating
a  beneficiary  to receive any benefits payable hereunder upon his death, or (b)
the executors, administrators, or other legal representatives of the EMPLOYEE or
his estate from assigning any rights hereunder to the person or persons entitled
thereto.

9.     No  Attachment.  Except  as  required by law, no right to receive payment
       --------------
under  this AGREEMENT shall be subject to anticipation, commutation, alienation,
sale,  assignment, encumbrance, charge, pledge or hypothecation or to execution,
attachment,  levy, or similar process of assignment by operation of law, and any
attempt, voluntary or involuntary, to effect any such action shall be null, void
and  of  no  effect.

10.     Indemnification;  Insurance.
        ---------------------------

     (a)     Indemnification.  The EMPLOYER agrees to indemnify the EMPLOYEE and
             ----------------
his  heirs,  executors, and administrators to the fullest extent permitted under
applicable  law and regulations, including, without limitation 12 U.S.C. Section
1828(k), against any and all expenses and liabilities reasonably incurred by the
EMPLOYEE  in connection with or arising out of any action, suit or proceeding in
which  the  EMPLOYEE  may be involved by reason of his having been a director or
officer  of the EMPLOYER or any of its subsidiaries, whether or not the EMPLOYEE
is  a  director  or  officer  at  the  time  of  incurring  any such expenses or
liabilities.  Such  expenses  and  liabilities  shall  include, but shall not be
limited  to,  judgments,  court  costs  and  attorney's  fees  and  the  cost of
reasonable  settlements.  The  EMPLOYEE  shall be entitled to indemnification in
respect  of  a  settlement  only  if  the Board of Directors of the EMPLOYER has
approved  such settlement.  Notwithstanding anything herein to the contrary, (i)
indemnification  for expenses shall not extend to matters for which the EMPLOYEE
has  been terminated for JUST CAUSE, and (ii) the obligations of this Section 10
shall  survive  the  TERM  of this AGREEMENT.  Nothing contained herein shall be
deemed  to  provide  indemnification prohibited by applicable law or regulation.

     (b)     Insurance.  During  the  TERM,  the  EMPLOYER  shall  provide  the
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EMPLOYEE  (and  his  heirs, executors, and administrators) with coverage under a
directors'  and  officers'  liability policy at the EMPLOYER's expense, at least
equivalent  to  such  coverage  provided to directors and senior officers of the
EMPLOYER.

11.     Binding  Agreement.  This  AGREEMENT shall be binding upon, and inure to
        ------------------
the  benefit  of,  the  EMPLOYEE and the EMPLOYER and their respective permitted
successors  and  assigns.

12.     Amendment  of AGREEMENT.  This AGREEMENT may not be modified or amended,
        -----------------------
except  by  an  instrument  in  writing  signed  by  the  parties  hereto.

13.     Waiver.  No  term or condition of this AGREEMENT shall be deemed to have
        ------
been  waived,  nor  shall  there  be  an estoppel against the enforcement of any
provision  of  this AGREEMENT, except by written instrument of the party charged
with  such  waiver  or  estoppel.  No  such  written  waiver  shall  be deemed a
continuing  waiver,  unless  specifically  stated therein, and each waiver shall
operate  only  as  to  the  specific  term  or  condition  waived  and shall not
constitute  a  waiver  of such term or condition for the future or as to any act
other  than  the  act  specifically  waived.

14.     Severability.  If,  for  any  reason, any provision of this AGREEMENT is
        ------------
held  invalid,  such  invalidity  shall  not affect the other provisions of this
AGREEMENT  not held so invalid, and each such other provision shall, to the full
extent  consistent  with  applicable law, continue in full force and effect.  If
this  AGREEMENT  is held invalid or cannot be enforced, then any prior Agreement
between  the  EMPLOYER  (or  any  predecessor thereof) and the EMPLOYEE shall be
deemed  reinstated to the full extent permitted by law, as if this AGREEMENT had
not  been  executed.

15.     Headings.  The headings of the paragraphs herein are included solely for
        --------
convenience  of reference and shall not control the meaning or interpretation of
any  of  the  provisions  of  this  AGREEMENT.

16.     Governing  Law;  Regulatory Authority.  This AGREEMENT has been executed
        -------------------------------------
and  delivered  in  the  State  of  Ohio  and  its  validity,  interpretation,
performance, and enforcement shall be governed by the laws of the State of Ohio,
except  to  the  extent  that  federal  law is governing.  References to the OTS
included herein shall include any successor primary federal regulatory authority
of  the  EMPLOYER.

17.     Effect  of  Prior  Agreements.  This  AGREEMENT  contains  the  entire
        -----------------------------
understanding  between  the  parties  hereto and supersedes any prior employment
agreement  between  the  EMPLOYER  or  any  predecessor  of the EMPLOYER and the
EMPLOYEE.

18.     Notices.  Any  notice  or  other  communication  required  or  permitted
        -------
pursuant  to  this  AGREEMENT  shall  be  deemed  delivered  if  such  notice or
communication  is  in  writing  and  is  delivered  personally  or  by facsimile
transmission  or  is  deposited  in  the  United  States  mail, postage prepaid,
addressed  as  follows:

     If  to  the  EMPLOYER:

Home  City  Federal  Savings  Bank  of  Springfield
63  West  Main  Street
Springfield,  Ohio  45502

     If  to  the  EMPLOYEE:

Mr.  Douglas  L.  Ulery
          2548  Erter  Drive
          Springfield,  Ohio  45503

     IN  WITNESS  WHEREOF, the EMPLOYER has caused this AGREEMENT to be executed
by its duly authorized officer, and the EMPLOYEE has signed this AGREEMENT, each
as  of  the  day  and  year  first  above  written.

Attest:     HOME  CITY  FEDERAL  SAVINGS  BANK
     OF  SPRINGFIELD

/s/  Jo  Ann  Holdeman                    By  /s/  Clark  Engelmeier
----------------------                    ------------------------

Attest:

/s/  Jo  Ann  Holdeman                    /s/  Douglas  L.Ulery
----------------------                    ---------------------
Douglas  L.  UleryUSCS INTERNATIONAL, INC.

                             401(K) RETIREMENT PLAN

            AS AMENDED AND RESTATED EFFECTIVE AS OF DECEMBER 31, 1998

<PAGE>

                                TABLE OF CONTENTS
SECTION                                                                   PAGE
-------                                                                   ----

 1.  Nature of the Plan.................................................      1
 2.  Definitions........................................................      2
 3.  Eligibility and Participation......................................      6
 4.  Contributions......................................................      9
 5.  Investment of Trust Assets.........................................     16
 6.  Allocations to Participants' Accounts..............................     18
 7.  Allocation Limitation..............................................     22
 8.  Disclosure to Participants.........................................     23
 9.  Vesting and Forfeitures............................................     24
10.  Years of Service and Break in Service..............................     27
11.  In-Service Withdrawals.............................................     29
12.  When and How Accrued Benefit Will Be Distributed...................     34
13.  No Assignment of Benefits..........................................     38
14.  Administration.....................................................     38
15.  Claims Procedure...................................................     43
16.  Limitation on Participants' Rights.................................     44
17.  Future of the Plan.................................................     45
18.  "Top-Heavy" Contingency Provisions.................................     46
19.  Governing Law......................................................     48
20.  Execution..........................................................     48

<PAGE>

                            USCS INTERNATIONAL, INC.
                             -----------------------

                             401(K) RETIREMENT PLAN
                             ----------------------

            AS AMENDED AND RESTATED EFFECTIVE AS OF DECEMBER 31, 1998
            ---------------------------------------------------------

Section 1.  NATURE OF THE PLAN.
            ------------------
         The purpose of this Plan is to enable  participating  Employees to save
funds on a tax-favored basis and to provide  Participants with an opportunity to
accumulate capital for their future economic and retirement security.

         The Plan,  originally  adopted  July 1, 1991,  and amended and restated
effective as of January 1, 1997, is hereby amended and restated  effective as of
December 31, 1998. The Plan is a profit sharing plan under Section 401(a) of the
Internal Revenue Code (the "Code") that contains a cash or deferred  arrangement
under Section 401(k) of the Code.

         In order to satisfy applicable  requirements of the Code, as amended by
the Small  Business Job  Protection  Act of 1996 and the Taxpayer  Relief Act of
1997, the second  sentence of Section  4(a)(3) and the third sentence of Section
4(b) are amended  effective  as of January 1, 1997,  and the second  sentence of
Section 12(a) is amended effective as of January 1, 1998.

         All Trust Assets held under the Plan will be administered, distributed,
forfeited and otherwise  governed by the provisions of this Plan and the related
Trust Agreement. The Plan is administered by an Administrative Committee for the
exclusive benefit of Participants (and their Beneficiaries).

Section 2.  DEFINITIONS.
            -----------
         In this Plan, whenever the context so indicates, the singular or plural
number and the  masculine,  feminine or neuter gender shall be deemed to include
the other, the terms "he," "him" and "his" shall refer to a Participant, and the
capitalized terms shall have the following meanings:
<TABLE>
<CAPTION>
         <S>                                      <C>

         Account ..............................  One of several accounts maintained to record the
                                                 interest of a Participant under the Plan, including the
                                                 following subaccounts: 401(k) Savings Contributions Account;
                                                 Matching Contributions Account; Profit Sharing Contributions
                                                 Account; Rollover Contributions Account; and the ESOP
                                                 Diversification Account.  See Section 6.

         Accrued Benefit ......................  A Participant's vested, nonforfeitable interest in
                                                 his Accounts under the Plan.  Each Participant's Accrued
                                                 Benefit shall be determined in accordance with the
                                                 provisions of Section 9 and distributed as provided in
                                                 Sections 11 and 12.

                                                 Any corporation  which is a member of a controlled  group of
         Affiliate.............................  corporations  (within the  meaning of Section  414(b) of the
                                                 Code) of which the  Company is also a member or any trade or
                                                 business (whether or not incorporated)  that is under common
                                                 control  with the  Company  (within  the  meaning of Section
                                                 414(c) of the Code).

         Allocation Date ......................  December 31st of each year (the first day of each
                                                 Plan Year).

         Beneficiary ..........................  The person (or persons) entitled to receive any
                                                 benefit under the Plan in the event of a Participant's
                                                 death.  See Section 12(e).

         Board of Directors ...................  The Board of Directors of the Company.

         Break in Service .....................  A calendar year in which an Employee is not
                                                 credited with more than 500 Hours of Service as a result of
                                                 his termination of Service.

         Code .................................  The Internal Revenue Code of 1986, as amended.

         Committee ............................  The Administrative Committee appointed by the Board
                                                 of Directors to administer the Plan.  See Section 14.

         Company ..............................  USCS International, Inc., a Delaware corporation.,
                                                 and wholly-owned subsidiary of DST Systems, Inc.

         Company Stock ........................  Shares of Common Stock issued by DST Systems, Inc.,
                                                 which shares are readily tradable on an established
                                                 securities exchange.

         Compensation .........................  The total wages and other compensation paid to an
                                                 Employee by his Employer and reported on the Employee's Wage
                                                 and Tax Statement (Form W-2) for the calendar year in which
                                                 the Plan Year begins, including any 401(k) Savings
                                                 Contributions made on his behalf for the Plan Year and
                                                 amounts contributed on his behalf by his Employer for the
                                                 Plan Year under a "cafeteria plan" described in Section 125
                                                 of the Code, but excluding bonuses, taxable perquisites,
                                                 relocation assistance payments, payments made to or on
                                                 behalf of an Employee to reimburse him for additional costs
                                                 and expenses associated with working outside the United
                                                 States and any amount in excess of $160,000 (as adjusted
                                                 after December 31, 1999, for increases in the cost of living
                                                 pursuant to Section 401(a)(17) of the Code).

         Disability ...........................  A condition that entitles an Employee to receive
                                                 primary Social Security benefits as a disabled employee
                                                 under the Social Security Act.

         Employee .............................  Any individual who is treated as a common-law
                                                 employee by an Employer; provided, however, that an
                                                 independent contractor (or other individual) who is
                                                 reclassified as a common law employee on a retroactive basis
                                                 shall not be treated as having been an Employee for purposes
                                                 of the Plan for any period prior to the date that he is so
                                                 reclassified.  A leased Employee, as described in
                                                 Section 414(n) of the Code, is not an Employee for purposes
                                                 of this Plan.

         Employer .............................  The Company, CableData, Inc., International Billing
                                                 Services, Inc. and any other Affiliate which is designated
                                                 as an Employer by the Board of Directors and which adopts
                                                 the Plan for the benefits of its Employees.

         Employer Contributions ...............  Payments made to the Trust by an Employer.  See
                                                 Section 4.

         Entry Date ...........................  The later of (i) the first day of the month
                                                 following the date the Employee commences Service or
                                                 (ii) the date the Employee attains age 21.

         ERISA ................................  The Employee Retirement Income Security Act of
                                                 1974, as amended.

         Forfeiture ...........................  The portion of a Participant's Accounts which does
                                                 not become a part of his Accrued Benefit and which is
                                                 forfeited under Section 9(b).

         401(k) Savings
         Contributions .......................   Contributions made by the Employer pursuant to the
                                                 elections of Participants.  See Section 4(a).
         Highly Compensated
         Employee ............................   An Employee who (1) was a 5% owner at any time
                                                 during the Plan Year or the preceding Plan Year, or (2) has
                                                 Statutory Compensation in excess of $80,000 in the preceding
                                                 Plan Year and, if so elected by the Company, was in the
                                                 top-paid 20% of Employees for such preceding Plan Year;
                                                 provided, however, that if such "top-paid group" election is
                                                 made by the Company for any Plan Year, the "top-paid group"
                                                 election must also be applied to all employee benefit plans
                                                 maintained by the Company and its Affiliates.  The $80,000
                                                 amount shall be adjusted after December 31, 1999, for
                                                 increases in the cost of living pursuant to Section
                                                 414(q)(1) of the Code.

         Hour of Service ......................  Each hour of Service for which an Employee is
                                                 credited under the Plan, as described in Section 3(f).

         Matching Contributions ...............  Contributions made by the Employer to the Plan on
                                                 behalf of a Participant on account of 401(k) Savings
                                                 Contribution, if any, as set forth in Section 4(b).

         Participant ..........................  Any Employee or former Employee who has met the
                                                 applicable eligibility requirements of Section 3 and who has
                                                 not yet received a complete distribution of his Accrued
                                                 Benefit.

         Plan .................................  The USCS International, Inc. 401(k) Retirement
                                                 Plan, which includes this Plan and the Trust Agreement.

         Plan Year ............................  The 12-month period beginning on each Allocation
                                                 Date.  The calendar year shall be the "limitation year" for
                                                 purposes of Section 415 of the Code.

         Profit Sharing
         Contributions ........................  Contributions made by the Company as set forth in
                                                 Section 4(c).

         Retirement ...........................  Termination of Service on or after attaining the
                                                 earlier of (1) age 59 1/2with at least five Years of Service
                                                 or (2) age 65.

         Rollover Contributions ...............  Payments made to the Trust by a Participant under
                                                 Section 4(f).

         Service ..............................  Employment with the Company or with any Affiliate.

         Statutory Compensation ...............  The total remuneration paid to an Employee by his
                                                 Employer during the Plan Year for personal services rendered
                                                 to the Employer, including 401(k) Savings Contributions made
                                                 on his behalf for the Plan Year and contributions made on
                                                 his behalf by the Employer for the Plan Year to a "cafeteria
                                                 plan" pursuant to Section 125 of the Code, but excluding
                                                 employer contributions to a plan of deferred compensation,
                                                 amounts realized in connection with stock options and
                                                 amounts which receive special tax benefits.

         Supplemental Employer
         Contributions ........................  Contributions made by an Employer as set forth in
                                                 Section 4(d).

         Trust ................................  The USCS International, Inc. 401(k) Retirement Plan
                                                 Trust, created by the Trust Agreement entered into between
                                                 the Company and the Trustee.

         Trust Agreement ......................  The Agreement between the Company and the Trustee
                                                 establishing the Trust and specifying the duties of the
                                                 Trustee.

         Trust Assets .........................  The assets held in the Trust for the benefit of
                                                 Participants.  See Section 5.

         Trustee ..............................  The Trustee (and any successor Trustee) appointed
                                                 by the Board of Directors to hold the Trust Assets.

         Year of Service ......................  The number of calendar years in which an Employee
                                                 is credited with at least 1000 Hours of Service.  See
                                                 Section 10.
</TABLE>

Section 3.  ELIGIBILITY AND PARTICIPATION.
            -----------------------------

         (a) Each  Employee  who was not  already a  Participant  in the Plan on
December 30, 1998,  shall become a Participant  as of the later of (i) the first
day of the month following the date the Employee  commences  Service or (ii) the
date the  Employee  attains age 21. A  Participant  is eligible to elect to have
401(k)  Savings  Contributions  made on his behalf under  Section 4(a) as of the
next Entry Date after he has become a Participant.

         In the event that the terms of Service of any Employee are covered by a
collective  bargaining  agreement,   the  Employee  shall  not  be  eligible  to
participate in the Plan unless the terms of such agreement  specifically provide
for  participation in this Plan. An Employee who is a nonresident  alien and who
receives no earned income from an Employer which constitutes income from sources
within the United  States  shall not be eligible to  participate  in the Plan. A
temporary Employee or an Employee hired in connection with an internship program
whose  period  of  Service  is less  than  one year  shall  not be  eligible  to
participate in the Plan.

         (b) A  Participant  shall be  eligible  to  participate  in the "fixed"
Profit Sharing  Contributions  in accordance with Section 4(c)(1) on the date he
commences Service.

         (c) A  Participant  shall be  entitled  to share in the  allocation  of
Profit Sharing  Contributions  and Forfeitures for each Plan Year in which he is
an eligible Employee on the Allocation Date.

         (d) A former  Participant who is reemployed by an Employer shall become
a Participant as of the date of his reemployment.  Notwithstanding any provision
of this Plan to the contrary,  contributions,  benefits and service  credit with
respect to  qualified  military  service  will be  provided in  accordance  with
Section 414(u) of the Code.

         (e)  Notwithstanding  any  provision of the Plan to the  contrary,  any
Employee,  in  accordance  with the rules of the Plan,  may  decline to become a
Participant  or  cease  to be a  Participant  by  filing  a  written  waiver  of
participation  with the Committee in the manner it prescribes.  Such waiver must
be filed prior to the date such Employee is eligible to become a Participant, or
in the  case of a  current  Participant,  in the last  month  of the  Plan  Year
immediately  preceding  the Plan  Year  for  which he  wishes  to cease  being a
Participant.

         Any Employee who files such a waiver shall not become a Participant, or
if currently a Participant, shall elect to cease to be such as of the Allocation
Date of the  succeeding  Plan Year;  and such  Employee  shall not  receive  any
additional  Compensation  or  other  such  sums  by  reason  of  his  waiver  of
participation. Any such waiver may be rescinded by an Employee effective as soon
as practicable after such filing.

         (f) HOURS OF SERVICE - For purposes of determining the Hours of Service
to be credited  to an  Employee  under the Plan,  the  following  rules shall be
applied:

                  (1)      Hours of Service  shall  include each hour of Service
                           for  which  an  Employee  is  paid  (or  entitled  to
                           payment) for the performance of duties;  each hour of
                           Service for which an Employee is paid (or entitled to
                           payment)  for a period  during  which no  duties  are
                           performed   (irrespective   of  whether  Service  has
                           terminated)  due  to  vacation,   holiday,   illness,
                           incapacity (including Disability), layoff, jury duty,
                           military   duty  or  leave  of   absence;   and  each
                           additional  hour of  Service  for  which  back pay is
                           either   awarded  or  agreed  to   (irrespective   of
                           mitigation of damages);  provided,  however, that not
                           more than 501 Hours of Service  shall be credited for
                           a single  continuous  period during which an Employee
                           does not  perform  any  duties  (whether  or not such
                           period occurs in a single Plan Year).

                  (2)      The crediting of Hours of Service shall be determined
                           in accordance  with the rules set forth in paragraphs
                           (b) and (c) of Section 2530.200b-2 of the regulations
                           prescribed by the  Department  of Labor,  which rules
                           shall be  consistently  applied  with  respect to all
                           Employees  within the same job  classification.  Each
                           Hour of  Service  for which an  Employee  is paid (or
                           entitled to payment) for the  performance  of duties,
                           however,  shall be credited to the  calendar  year in
                           which the bi-weekly  payroll period ends (and not the
                           calendar year in which the duties were performed).

                  (3)      Hours of Service shall not be credited to an Employee
                           for a period  during which no duties are performed if
                           payment is made or due under a plan maintained solely
                           for the purpose of complying with applicable worker's
                           compensation, unemployment compensation or disability
                           insurance  laws,  and Hours of  Service  shall not be
                           credited  on  account of any  payment  made or due an
                           Employee  solely  in   reimbursement  of  medical  or
                           medically-related expenses.

                  (4)      An Employee  compensated  on an hourly basis shall be
                           credited for each Hour of Service as described above.
                           Unless the Employer maintains records of actual Hours
                           of  Service,  a salaried  Employee  shall be credited
                           with 90 Hours of Service per bi-weekly payroll period
                           in which he completes at least one Hour of Service.

Section 4.  CONTRIBUTIONS.
            -------------
         (a)      401(K) SAVINGS CONTRIBUTIONS -
                  ----------------------------

                 (1) An Employee who is eligible to participate in the Plan may
elect to have a whole  percentage of up to 14% (or such other  percentage as may
be  determined  by the  Company) of his  Compensation  for each  payroll  period
withheld  by an  Employer  and  contributed  to  the  Trust  as  401(k)  Savings
Contributions  in  lieu  of  receiving  such  amount.  A  Participant's  Savings
Contributions  may not exceed  $10,000 (as adjusted  after 1999 for increases in
the cost of living  pursuant to Section  402(g)(5) of the Code) for any calendar
year.

                  (2) A Participant may change the amount to be withheld (within
the limits described  above), or he may cease to have any amount withheld at any
time.  The Committee may permit  Participants  to make such  elections  (and any
changes  thereof)  through any  electronic  medium  designated by the Committee.
401(k) Savings  Contributions  shall be paid by the Company to the Trust as soon
as  practicable  but in no event later than the 15th  business  day of the month
following  the month in which such amounts are withheld  from the  Participant's
Compensation.

                  (3)  401(k)  Savings   Contributions  for  Highly  Compensated
Employees  shall be  limited  by the  Company  for any Plan  Year to the  extent
necessary to satisfy one of the deferral  percentage  tests described in Section
401(k)(3) of the Code and Section  1.401(k)-1(b) of the regulations  thereunder,
which  is  hereby  incorporated  by this  reference.  Such  deferral  percentage
requirements  shall be satisfied based upon the "prior Plan Year testing method"
as provided under Internal Revenue Service Notice 98-1.

                  The Company may take any of the following corrective actions
to satisfy the deferral percentage tests:

                           (i)      Prospectively limit the amount of 401(k)
                                    Savings Contributions for some or all Highly
                                    Compensated Employees for such Plan Year;

                           (ii)     Allocate       "qualified        nonelective
                                    contributions,"   within   the   meaning  of
                                    Section     1.401(k)-1(g)(13)     of     the
                                    regulations,  to the Accounts of some or all
                                    Participants  other than Highly  Compensated
                                    Employees for such Plan Year;  provided that
                                    such contributions must be fully vested, are
                                    not  subject to  withdrawal  prior to age 59
                                    1/2 at the time such  contributions are made
                                    to    the    Plan    and     satisfy     the
                                    nondiscriminatory  requirements  of  Section
                                    401(a)(4) of the Code; or

                                            (iii) Distribute all or a portion of
                                    the  401(k)  Savings  Contributions  made on
                                    behalf  of  a  Highly  Compensated  Employee
                                    (together   with  any  income   attributable
                                    thereto) to him which are  determined  to be
                                    excess  contributions  within the meaning of
                                    Section 1.401(k)-1(g)(7) of the regulations,
                                    as  determined  under  one of  the  deferral
                                    percentage   tests   described   in  Section
                                    401(k)(3) of the Code.  The amount of excess
                                    contributions  to be distributed  under this
                                    Section 4(a)(3)(iii) shall be reduced by any
                                    excess  deferrals   previously   distributed
                                    under   Section   4(a)(4)   for  the  Highly
                                    Compensated  Employee's  taxable year ending
                                    within  the Plan Year.  The actual  deferral
                                    percentage   of   the   Highly   Compensated
                                    Employee  with the highest  such  percentage
                                    shall be reduced until it equals that of the
                                    Highly  Compensated  Employee  with the next
                                    highest  percentage.  This process  shall be
                                    repeated   until   one   of   the   deferral
                                    percentage   tests   described   in  Section
                                    401(k)(3) of the Code is passed.  The amount
                                    of excess contributions to be distributed to
                                    Highly Compensated Employees shall be deemed
                                    attributable    first   to   those    Highly
                                    Compensated  Employees who have the greatest
                                    dollar    amount    of    401(k)     Savings
                                    Contributions.     The    401(k)     Savings
                                    Contributions  of  the  Highly   Compensated
                                    Employee with the greatest  dollar amount of
                                    401(k)   Savings   Contributions   shall  be
                                    distributed  until the dollar  amount of his
                                    401(k)  Savings   Contributions  equals  the
                                    dollar   amount   of  the   401(k)   Savings
                                    Contributions  of  the  Highly   Compensated
                                    Employee  with  the  next  greatest   dollar
                                    amount. This process shall be repeated until
                                    there are no excess contributions  remaining
                                    in  the   Trust.   Any   determination   and
                                    distribution   of  income   attributable  to
                                    401(k)  Savings   Contributions  under  this
                                    Section   4(a)(3)(iii)   shall  be  made  in
                                    accordance with Section 1.401(k)-1(f)(4)(ii)
                                    of the  regulations  of the Code,  and shall
                                    include any  allocable  income (or loss) for
                                    the period between the  Allocation  Date and
                                    the date of distribution.

To the extent  practicable,  the Company  shall take such  corrective  action by
April 15th of the  following  Plan Year;  but in no event  shall such  action be
taken later than the Allocation Date of the following Plan Year.

                  (4) If during a Plan Year a Participant  participates  in more
than one qualified cash or deferred  arrangement  described in Section 401(k) of
the Code and the  Participant  notifies  the Company no later than the March 1st
following  any Plan Year that all or a specified  portion of the 401(k)  Savings
Contributions made on the Participant's behalf for that Plan Year should be paid
to the Participant  (together with any income attributable thereto) because such
401(k)  Savings  Contributions  constitute  "excess  deferrals," as described in
Section  402(g)(2)(A)  of  the  Code,   distribution  of  such  amounts  to  the
Participant shall occur no later than the April 15th following the Participant's
tax year in which the excess deferral was made.

                  (5) Any determination and distribution of income  attributable
to 401(k) Savings  Contributions under Sections 4(a)(3) and (4) shall be made in
accordance with Section 1.401(k)-1(f) of the regulations under the Code.

         (b) MATCHING  CONTRIBUTIONS - Matching  Contributions  shall be paid by
the Company to the Trustee for each  Participant who is entitled to share in the
allocation of Matching Contributions under Section 3(b) for each Plan Year in an
amount equal to $.50 for each $1.00 of 401(k) Savings  Contributions made to the
Plan on his  behalf  for the Plan Year,  but only to the  extent  such  Matching
Contributions do not exceed 6% of his Compensation.

         Matching  Contributions  for  Highly  Compensated  Employees  shall  be
limited  for any  Plan  Year  to the  extent  necessary  to  satisfy  one of the
contribution  percentage requirements described in Section 401(m)(2) of the Code
and Section  1.401(m)-1(b)  of the  regulations  thereunder.  Such  contribution
percentage  requirements  shall be  satisfied  based upon the  "prior  Plan Year
testing method" as provided under Internal Revenue Service Notice 98-1. For this
purpose, the Committee shall limit the Matching  Contributions made on behalf of
a Highly  Compensated  Employee  which are  determined  to be "excess  aggregate
contributions"   within  the   meaning  of  Section   1.401(m)-1(f)(8)   of  the
regulations,  as  determined  under  one of the  contribution  percentage  tests
described in Section 401(m)(2) of the Code. Such excess aggregate  contributions
are determined by reducing the Matching  Contributions  made on behalf of Highly
Compensated Employees in order of the actual contribution  percentages beginning
with the highest of such percentages.  The actual contribution percentage of the
Highly  Compensated  Employee with the highest such percentage  shall be reduced
until it equals that of the Highly  Compensated  Employee  with the next highest
percentage.  This  process  shall  be  repeated  until  one of the  contribution
percentage  tests  described  in Section  401(m)(2)  of the Code is passed.  The
amount of excess aggregate contributions to be distributed to Highly Compensated
Employees  shall  be  deemed  attributable  first to  those  Highly  Compensated
Employees  who have the greatest  dollar amount of Matching  Contributions.  The
Matching  Contributions  of the Highly  Compensated  Employee  with the greatest
dollar amount of Matching  Contributions  shall be distributed  until the dollar
amount of his Matching  Contributions  equals the dollar  amount of the Matching
Contributions of the Highly  Compensated  Employee with the next greatest dollar
amount.  This  process  shall be repeated  until  there are no excess  aggregate
contributions  remaining  in the  Trust.  Matching  Contributions  shall  not be
payable with respect to any 401(k) Savings  Contributions  which are distributed
to Participants in accordance with the provisions of Sections 4(a)(3) and (4).

         Matching Contributions for the Plan Year shall be paid to the Trust not
later than the due date (including  extensions) for filing the Company's Federal
income tax return for that Plan Year. Matching Contributions may be made in cash
or in shares of Company Stock.

         (c)      PROFIT SHARING CONTRIBUTIONS -
                  ----------------------------

                 (1) The Employer shall make a "fixed"  contribution  under the
Plan for each  Plan  Year in an amount  equal to 3% of the  Compensation  of all
Participants who satisfy the eligibility requirements of Section 3(c) reduced by
any  allocation  made  pursuant to Section  4(d).  For  purposes of this "fixed"
contribution only,  Compensation  shall include any taxable  perquisites and all
bonuses.

                  (2) The Employer may also make a "variable" contribution under
the Plan for each Plan Year in such  amounts  (or under such  formula) as may be
determined by the Board of Directors.  The amount of the "variable" contribution
shall be reduced by any  allocation  made pursuant to Section 4(d) not otherwise
utilized to offset the "fixed"  contribution in Section 4(c)(1). For purposes of
this  "variable"  contribution  only,  Compensation  shall  include  any taxable
perquisites,  all bonuses and an additional  amount equal to the 401(k)  Savings
Contributions made for the calendar year which ends on the Allocation Date.

         (d)  SUPPLEMENTAL  EMPLOYER  CONTRIBUTIONS  - The  Employer  may make a
Supplemental  Employer  Contribution  on  behalf of each  Participant  who is an
eligible Employee on the Allocation Date. Subject to the following  limitations,
the Supplemental  Employer Contribution for each Plan Year shall be in an amount
determined by the Company by appropriate resolution on or before the last day of
the Employer's  taxable year that ends within such Plan Year.  Each  Participant
who is an eligible  Employee on the Allocation Date shall receive a share of the
Supplemental Employer Contribution allocated as follows:

                  (1)      A portion of the Supplemental Employer  Contributions
                           shall be allocated at the end of each payroll  period
                           during   the  Plan   Year  to  the   401(k)   Savings
                           Contributions  Accounts of each Participant who is an
                           eligible Employee on the Allocation Date, pursuant to
                           Section 4(a).

                  (2)      Any  Supplemental  Employer  Contributions  remaining
                           after the  allocations  required  in Section  4(d)(1)
                           shall  be  allocated  as of the  last day of the Plan
                           Year to each Participant who is an eligible  Employee
                           on  the  Allocation  Date  as  if it  was a  Matching
                           Contribution of an eligible Participant as determined
                           pursuant to Section 4(b).

                  (3)      Any  Supplemental  Employer  Contributions  remaining
                           after the allocations required in Section 4(d)(1) and
                           (2) shall be allocated as of the last day of the Plan
                           Year to each Participant who is an eligible  Employee
                           on the Allocation  Date as if it was a Profit Sharing
                           Contributions   to  each  eligible   Participant   as
                           determined pursuant to Section 4(c).

                  (4)      The    balance   of   the    Supplemental    Employer
                           Contributions   remaining  after  the  allocation  in
                           Section  4(d)(3),  shall be allocated on the last day
                           of the Plan Year  prorata  based on  Compensation  to
                           each  Participant who is an eligible  Employee on the
                           Allocation  Date who is also an eligible  Employee on
                           such last day of the Plan Year.  The Committee  shall
                           reduce  the   proportionate   allocation  under  this
                           Section  4(d)(4) to Highly  Compensated  Employees to
                           the extent necessary to comply with the provisions of
                           Code   Section    401(a)(4)   and   the   regulations
                           thereunder.

         In  no  event  shall  the  Supplemental  Employer  Contributions,  when
aggregated with other Employer and Participant  contributions for the Employer's
taxable year that ends within such Plan Year,  exceed the amount  deductible  by
the   Employer  for  federal   income  tax  purposes  for  such  taxable   year.
Notwithstanding any other provision of the Plan to the contrary,  any allocation
determined  under  Section  4(d)(1)  through  (4)  above  may be  subject  to an
adjustment in accordance with Section 7.

         If  the  Employer  has  not   contributed   a   Supplemental   Employer
Contributions or such Supplemental Employer Contributions has been fully applied
on behalf of  Participants  in accordance  with Section  4(d)(1)  above,  401(k)
Savings  Contributions shall be allocated to each Participant in accordance with
Section 4(a).

         (e) ADDITIONAL  PROVISIONS - Profit Sharing  Contributions and Matching
Contributions  shall  be  paid to the  Trustee  not  later  than  the  due  date
(including  extensions)  for filing the Company's  Federal income tax return for
that Plan Year.  Employer  Contributions  shall not be made for any Plan Year in
amounts  which can be  allocated to no  Participant's  Accounts by reason of the
allocation  limitation  described  in  Section  7 or in  amounts  which  are not
deductible  under Section 404(a) of the Code. Any Employer  Contributions  which
are not  deductible  under  Section  404(a) of the Code may be  returned  to the
Employer by the Trustee  (upon the  direction  of the  Company)  within one year
after the deduction is  disallowed or after it is determined  that the deduction
is not available. In the event that Employer Contributions are paid to the Trust
by reason of a mistake of fact, such Employer  Contributions  may be returned to
the Employer by the Trustee (upon the direction of the Company)  within one year
after the payment to the Trust.

         (f) ROLLOVER  CONTRIBUTIONS  - Subject to such terms and  conditions as
may be  established  from  time to time by the  Committee,  an  Employee  who is
eligible to participate  in the Plan in accordance  with Section 3(a) may make a
Rollover  Contribution to the Trust by delivering  such  contribution in cash to
the  Trustee,  together  with  a  written  certification,  satisfactory  to  the
Committee,  that the  contribution  qualifies as a Rollover  Contribution  under
Section   402(c)(4)  or  408(d)(3)  of  the  Code.  Such   Employee's   Rollover
Contributions shall be allocated to his Rollover  Contributions  Account and may
be invested in any fund authorized under the provisions of this Plan.

Section 5.  INVESTMENT OF TRUST ASSETS.
            --------------------------

         (a) PARTICIPANT  DIRECTED INVESTMENTS - Each Participant shall have the
exclusive  authority  to direct  the  investment  of  contributions  made to his
Accounts among such  investment  funds as the Committee  shall from time to time
cause to be made  available,  including a fund  consisting of Company Stock (the
"Company Stock Fund"). The Committee may appoint an Investment Manager to assist
in the investment of Trust Assets.

         (b) PROCEDURES - The Participant  shall elect, by written notice to the
Committee or by such other means as the  Committee  shall  designate,  to have a
specified  percentage invested in one or more investment fund(s), as long as the
designated  percentage  for  each  fund  is a whole  number,  and the sum of the
percentages  allocated is equal to 100%.  Each  Participant  shall bear the sole
responsibility for the investment of such Accounts,  and the Committee shall not
have any responsibility or liability for any losses that may occur in connection
with such investment.

         In the event that a Participant  does not direct the  investment of his
Profit Sharing  Contributions  Account,  the Committee will automatically invest
such Profit  Sharing  Contributions  in the Long Term  Guaranteed  Fund provided
under the Plan until such time as the Participant  makes an investment  election
in regards to his Profit Sharing Contributions.

         In  the  event   that   Matching   Contributions   or  Profit   Sharing
Contributions  are made to the Plan and allocated to  Participants'  Accounts in
the form of Company  Stock,  such  amounts  shall  initially  be invested in the
Company Stock Fund (as described in Section 5(d)) and  thereafter,  such amounts
may be invested in any manner authorized under the provisions of this Plan.

         (c) TRANSFERS BETWEEN INVESTMENT FUNDS - The Participant may change the
designated  percentages to be invested in each particular investment fund at any
time or times during a Plan Year,  subject to the rules of the investment  funds
in which the Participant's Account is invested or is to be invested.
         The Committee shall provide each Participant with a form or other means
by which the Participant may use to select among the investment funds designated
by the Employer.

         (d)  COMPANY  STOCK FUND - One of the  investment  funds  available  to
Participants shall be a "Company Stock Fund." If a Participant  directs that all
or a portion of the contribution made to his Accounts be invested in the Company
Stock Fund, then such amounts will be invested in Company Stock. The Trustee may
acquire  shares of Company Stock  through  open-market  or privately  negotiated
purchases or from DST Systems,  Inc., and any purchase of Company Stock from DST
Systems,  Inc. shall be made only at a price not less favorable to the Plan than
the price for Company Stock on the New York Stock Exchange.

         If all or a portion of a Participant's  (or  Beneficiary's)  Account is
invested in the Company  Stock  Fund,  he will be entitled to give  confidential
directions to the Trustee as to the voting of shares of Company Stock  allocated
to his  Account  on all  matters  presented  for a vote  of  shareholders.  Each
Participant  (or  Beneficiary)  having shares of Company Stock  allocated to his
Account  as of the  record  date for voting at a  shareholder  meeting  shall be
provided with the proxy statement provided to all shareholders,  together with a
form upon which  confidential  voting  directions may be given to an independent
third party  (designated  by the  Committee) who will tabulate votes and provide
instructions  to the  Trustee as to the  voting of such  shares as  directed  by
Participants  (or  Beneficiaries).  The  third  party  shall  not  disclose  the
confidential voting directions of any individual Participant (or Beneficiary) to
any Employer, the Administrative Committee, the Trustee or DST Systems, Inc. Any
shares  of  Company  Stock  held by the  Trust  with  respect  to  which  voting
directions are not received from Participants (or Beneficiaries)  shall be voted
by the Trustee in the manner directed by the Administrative Committee.

Section 6.  ALLOCATIONS TO PARTICIPANTS' ACCOUNTS.
            -------------------------------------

         PROFIT SHARING  CONTRIBUTIONS  ACCOUNT - A Profit Sharing Contributions
Account shall be maintained  to reflect the interest of each  Participant  under
the Plan who is eligible to receive  Profit  Sharing  Contributions.  The Profit
Sharing  Contributions  Account  maintained for a Participant  shall be credited
annually  with  his  share  of any  Profit  Sharing  Contributions  and  related
Forfeitures  and  with its  share  of the net  income  (or  loss) of the  Trust.
Subaccounts  of the Profit  Sharing  Contributions  Account may be maintained to
reflect the portion of the Account invested in each investment fund.

         401(K) SAVINGS  CONTRIBUTIONS  ACCOUNT - A 401(k) Savings Contributions
Account shall be maintained  to reflect the interest of each  Participant  under
the Plan who elects to make 401(k)  Savings  Contributions.  The 401(k)  Savings
Contributions  Account maintained for a Participant shall be credited throughout
each Plan Year with his 401(k) Savings  Contributions  and with its share of the
net  income  (or  loss)  of  the  Trust.   Subaccounts  of  the  401(k)  Savings
Contributions  Account may be  maintained  to reflect the portion of the Account
invested in each investment fund.

         MATCHING CONTRIBUTIONS ACCOUNT - A Matching Contributions Account shall
be maintained to reflect the interest of each Participant  under the Plan who is
eligible to receive Matching  Contributions.  The Matching Contributions Account
maintained for a Participant  shall be credited each Plan Year with his share of
any Matching Contributions and with its share of the net income (or loss) of the
Trust.  Subaccounts of the Matching  Contributions  Account may be maintained to
reflect the portion of the Account invested in each investment fund.

         ROLLOVER  CONTRIBUTIONS  ACCOUNT - The Rollover  Contributions  Account
maintained  for an  Employee  shall be  credited  with the  Employee's  Rollover
Contributions  (if any) and with its  share of the net  income  (or loss) of the
Trust.  Subaccounts of the Rollover  Contributions  Account may be maintained to
reflect  the  portion of the  Rollover  Contributions  Account  invested in each
investment fund.

         ESOP  DIVERSIFICATION  ACCOUNT - Prior to 1998, in order to satisfy the
diversification  election requirements of Section 401(a)(28)(B) of the Code, the
USCS  International,  Inc.  Employee Stock Ownership Plan (the "ESOP") permitted
certain  participants  under the ESOP to elect to have a portion of their  Stock
Account under the ESOP transferred to the Plan. The ESOP Diversification Account
maintained  for a  Participant  was  credited  with  any  amounts  that  were so
transferred  on behalf of a Participant  and shall be credited with its share of
the net income (or loss) of the Trust.  Subaccounts of the ESOP  Diversification
Account may be  maintained  to reflect  the portion of the ESOP  Diversification
Account invested in each investment fund.

         The allocations to  Participants'  Accounts for each Plan Year shall be
         made as follows:

     (a) 401(K)  SAVINGS  CONTRIBUTIONS  - 401(k)  Savings  Contributions  under
Section  4(a) for each  Plan  Year  shall be  allocated  to the  401(k)  Savings
Contributions  Accounts  of the  Participants  on whose  behalf  they were made,
subject to the limitation described in Section 7.

     (b) MATCHING  CONTRIBUTIONS - Matching Contributions under Section 4(b) for
each Plan Year shall be allocated to the Matching  Contributions Accounts of the
Participants on whose behalf they were made, subject to the limitation described
in Section 7.

     (c) PROFIT SHARING CONTRIBUTIONS AND FORFEITURES - A "fixed" Profit Sharing
Contribution,  as described in Section  4(c)(1)  shall be allocated in an amount
equal to 3% of the Compensation of all  Participants who are eligible  Employees
as of the Allocation  Date,  reduced by any allocation  made pursuant to Section
4(d).

        A  "variable"  Profit  Sharing  Contribution,  as  described in Section
4(c)(2) shall be allocated as of the Allocation  Date of the Plan Year for which
such  contributions  are made to each Participant who is an eligible Employee on
the Allocation  Date. The  "variable"  contributions  shall be allocated to each
such  Participant  in  the  proportion  that  the  Compensation   paid  to  each
Participant bears to the Compensation paid to all such Participants  during such
period, subject to the limitation on allocations specified in Section 7.

         (d)  SUPPLEMENTAL   EMPLOYER   CONTRIBUTIONS  -  Supplemental  Employer
Contributions,  as described in Section 4(d),  shall be allocated as provided in
that section.

         (e) ROLLOVER  CONTRIBUTIONS - Rollover Contributions for each Plan Year
shall be allocated to the Rollover  Contributions Accounts of those Employees or
Participants who made them.

         (f) NET INCOME (OR LOSS) OF THE TRUST - The net income (or loss) of the
Trust  for  each  Plan  Year   attributable  to  Participants'   Profit  Sharing
Contributions  Accounts,   401(k)  Savings  Contributions   Accounts,   Matching
Contributions Accounts, Rollover Contributions Accounts and ESOP Diversification
Accounts  shall  be  determined  separately  as of each  business  day for  each
investment  fund  and  allocated  among  such  Accounts  in  proportion  to  the
respective balances of such Accounts invested in such funds.

         (g)  ACCOUNTING  FOR   ALLOCATIONS  -  The  Committee  shall  establish
accounting procedures for the purpose of making the allocations to Participants'
Accounts  provided for in this Section 6. From time to time,  the  Committee may
modify the  accounting  procedures  for the purposes of achieving  equitable and
nondiscriminatory  allocations  among the Accounts of Participants in accordance
with the general  concepts of the Plan, the provisions of this Section 6 and the
requirements of the Code and ERISA.

Section 7.  ALLOCATION LIMITATION.
            ---------------------

     The Annual Additions for each Plan Year with respect to any Participant may
not exceed the lesser of:

                  (1)      25% of the Participant's Statutory Compensation; or

                  (2)      $30,000, as adjusted for increases in the cost of
                           living pursuant to Section 415(d)(1)(C) of the Code.

For this purpose,  "Annual  Additions"  shall be the total of the 401(k) Savings
Contributions,  Matching Contributions,  Supplemental Employer Contributions and
Profit  Sharing  Contributions  and  Forfeitures  allocated to the Accounts of a
Participant for the calendar year.

         If the  aggregate  amount that would be  allocated to the Accounts of a
Participant in the absence of this limitation  would exceed the amount set forth
in this limitation,  then, to the extent  necessary,  the  Participant's  Annual
Additions for the Plan Year shall be reduced and, if applicable,  reallocated to
the Accounts of  Participants  not affected by this limitation for the Plan Year
in  the  following   order:  (1)  any  amount  of  the  "fixed"  Profit  Sharing
Contributions  for the  calendar  year shall be  reduced,  (2) any amount of the
"variable" Profit Sharing  Contributions for the calendar year shall be reduced,
(3) any Matching  Contributions  made on the  Participant's  behalf for the Plan
Year shall be reduced, and finally (4) any 401(k) Savings  Contributions made on
the Participant's  behalf for the calendar year (and any earnings thereon) shall
be returned to the Participant as Compensation.

         If, after the foregoing reductions, there are any Forfeitures which can
be allocated to no  Participant's  Accounts by reason of this  limitation,  such
Forfeitures  shall be credited to a "Forfeiture  Suspense Account" and allocated
as Forfeitures  under Section 7 for the next  succeeding Plan Year (prior to the
allocation of Employer Contributions for such succeeding Plan Year).

Section 8.  DISCLOSURE TO PARTICIPANTS.
            --------------------------

         (a) SUMMARY PLAN DESCRIPTION - Each Participant shall be furnished with
a summary  plan  description  of the Plan  required  by Sections  102(a)(l)  and
104(b)(1) of ERISA.  Such summary plan description shall be updated from time to
time  as  required  under  ERISA  and  U.S.   Department  of  Labor  regulations
thereunder.

         (b) SUMMARY  ANNUAL  REPORT - Within two months  after the due date for
the filing of the annual  return/report  (Form  5500) for the Plan Year with the
Internal Revenue Service,  each Participant  shall be furnished with the summary
annual  report of the Plan required by Section  104(b)(3) of ERISA,  in the form
prescribed in regulations of the U.S. Department of Labor.

         (c) ACCOUNT  STATEMENT - At least  annually  and at such other times as
determined  by  the  Committee,  each  Participant  shall  be  furnished  with a
statement reflecting the following information:

                  (1)      The balances (if any) in the Participant's Accounts
                           as of the beginning of the statement period.

                  (2)      The amount of each type of Employer Contributions and
                           Rollover  Contributions  allocated  to  each  of  the
                           Participant's Accounts for the statement period.

                  (3)      The  adjustments  to the  Participant's  Accounts  to
                           reflect the Participant's share of the net income (or
                           loss) of the Trust for that statement period.

                  (4)      The new balances in the Participant's Accounts as of
                           the end of the statement period.

                  (5)      His  number  of  Years  of  Service  and  his  vested
                           percentage in his Account  balances (under Sections 9
                           and 10) as of the end of such statement period.

         (d)  ADDITIONAL  DISCLOSURE  - The  Company  shall make  available  for
examination by any  Participant  copies of the Plan, the Trust Agreement and the
latest annual report of the Plan filed (on Form 5500) with the Internal  Revenue
Service.  Upon written  request of any  Participant,  the Company  shall furnish
copies of such  documents and may make a reasonable  charge to cover the cost of
furnishing  such copies,  as provided in regulations  of the U.S.  Department of
Labor.

Section 9.  VESTING AND FORFEITURES.
            -----------------------

         (a)      VESTING -
                  -------

                  (1)  A   Participant's   interest   in  his   401(k)   Savings
Contributions   Account,  his  Matching   Contributions  Account,  his  Rollover
Contributions Account and his ESOP Diversification  Account shall be 100% vested
and nonforfeitable at all times.

                  (2)  A   Participant's   interest   in  his   Profit   Sharing
Contributions  Account  shall  become 100% vested and  nonforfeitable  if he (A)
attains  age 65 while  employed  by the  Company or an  Affiliate,  (B) incurs a
Disability  while  employed  by the  Company or an  Affiliate  or (C) dies while
employed by the Company or an Affiliate.

                  (3) Except as otherwise  provided in Section  9(a)(2) and (4),
the interest of each  Participant  in his Profit Sharing  Contributions  Account
shall  become  vested  and  nonforfeitable  in  accordance  with  the  following
schedule:

                  Years of Service                   Nonforfeitable
                  UNDER SECTION 10                      PERCENTAGE
                  ----------------                   ----------------
                  Less than Three Years                     0%
                  Three Years                              30%
                  Four Years                               60%
                  Five Years or More                      100%

        (b)      FORFEITURES -
                 -----------

                  (1) If at the time of his termination of Service a Participant
is not 100% vested in his Profit Sharing Contributions Account and does not take
a distribution  from the portion of his vested  interest that is attributable to
Employer  Contributions,  the  non-vested  portion of the  Participant's  Profit
Sharing  Contributions  Account  shall be placed in a separate  account and will
become  a  Forfeiture  upon  the  date  such  terminated  Participant  incurs  a
five-consecutive-year  Break  in  Service.  If such  terminated  Participant  is
rehired  by the  Employer  before  incurring  a  five-consecutive-year  Break in
Service,  the non-vested  portion shall be restored to his Account and shall not
become a Forfeiture.

                  (2) If at the time of his termination of Service a Participant
is not  100%  in his  Profit  Sharing  Contributions  Account  and  does  take a
distribution  from the portion of his vested  interest that is  attributable  to
Employer  Contributions,  or if the  Participant  is 0% vested,  the  non-vested
portion of his Account  shall be placed in a separate  account and will become a
Forfeiture upon the date such terminated  Participant incurs a one-year Break in
Service.

                  (3) All  Forfeitures for the calendar year shall be considered
as part of Matching Contributions for that Plan Year. If such Forfeitures exceed
the  amount  of  Matching  Contributions  required  for  that  Plan  Year,  such
Forfeitures  shall  be  treated  as  Profit  Sharing  Contributions  made by the
Employer for that Plan Year.

         (c)  RESTORATION OF FORFEITED  AMOUNTS - If a Participant is reemployed
prior to the occurrence of a five-consecutive-year Break in Service, any portion
of his Accounts (attributable to the prior period of Service) that was forfeited
in  accordance  with Section  9(b)(2)  shall be restored as if there had been no
Forfeiture if the Participant  repays the distribution that was made at the time
of  his  termination  of  Service.  Such  repayment  must  be  made  before  the
Participant has incurred a five-consecutive-year  Break in Service following the
date he  received  the  distribution  or five  years  after the  Participant  is
reemployed by the Employer, whichever date is earlier. Such restoration shall be
made out of  Forfeitures  occurring in the Plan Year of  reemployment  (prior to
allocation  under  Section  6(a)).  To  the  extent  such  Forfeitures  are  not
sufficient,  the Employer shall make a special contribution to the Participant's
restored Accounts.  Any amount so restored to a Participant shall not constitute
an Annual Addition under Section 7.

         (d) VESTING UPON REEMPLOYMENT - If a Participant who is not 100% vested
receives a  distribution  of his Accrued  Benefit  prior to the  occurrence of a
five-consecutive-year  Break  in  Service  and  he is  reemployed  prior  to the
occurrence  of such a  five-consecutive-year  Break in Service  and has not made
repayment of his  distribution  as required by Section 9(c),  the portion of his
Profit Sharing Contributions Account (including any restored Accounts) which was
not vested shall be  maintained  separately  until he becomes  100% vested.  His
vested  and  nonforfeitable  percentage  in  such  separate  Accounts  upon  his
subsequent termination of Service shall be equal to:

                                      X-Y
                                     ------
                                     100%-Y
For purposes of applying this formula, X is the vested percentage at the time of
the subsequent  termination,  and Y is the vested  percentage at the time of the
prior termination.

Section 10.  YEARS OF SERVICE AND BREAK IN SERVICE.
             -------------------------------------

         (a) YEARS OF  SERVICE - An  Employee's  Years of  Service  shall be the
number of  calendar  years in which he is  credited  with at least 1000 Hours of
Service, including Service prior to July 1, 1991.

        (b) BREAK IN SERVICE - A one-year  Break in  Service  shall  occur in a
calendar  year in which an Employee is not credited  with more than 500 Hours of
Service.  A  five-consecutive-year  Break in Service  shall be five  consecutive
one-year Breaks in Service.

         For purposes of determining whether a Break in Service has occurred, if
an  Employee  begins  a   maternity/paternity   absence   described  in  Section
411(a)(6)(E)(i) of the Code, or any unpaid leave of absence under the Family and
Medical Leave Act of 1993, the computation of his Hours of Service shall include
the Hours of Service that would have been credited if he had not been so absent.
An Employee  shall be credited for such Hours of Service (up to a maximum of 501
Hours of Service) in the  calendar  year in which such  absence  begins (if such
crediting  will prevent him from incurring a Break in Service in such Plan Year)
or in the next following  calendar year. For the purposes of this  paragraph,  a
"maternity/paternity  absence" means an Employee's  absence (A) by reason of the
(i)  pregnancy of the  Employee,  (ii) birth of a child of the Employee or (iii)
placement of a child with the individual in connection with the adoption of such
child by such Employee,  or (B) for purposes of caring for a child  described in
clause (A) for a period beginning immediately following such birth or placement.

        In addition,  a Break in Service will not be deemed to have occurred as
a result of a leave of  absence  granted  by an  Employer  in  writing  and in a
nondiscriminatory  manner  for any  purpose  for a  period  commencing  with the
commencement of such leave and ending with its expiration date or any extensions
thereof.

          (c) REEMPLOYMENT - If a former Employee is reemployed after a one-year
Break in Service,  the following  special rules shall apply in  determining  his
Years of Service:

                  (1)      If   an   Employee   is   reemployed   prior   to   a
                           five-consecutive-year  Break  in  Service,  after  he
                           completes   one  Year  of   Service   following   his
                           reemployment,  Years of Service  with  respect to his
                           Profit  Sharing  Account  shall  include his Years of
                           Service earned prior to the Break in Service.

                  (2)      If an Employee is reemployed  after the occurrence of
                           a  five-consecutive-year  Break in Service,  Years of
                           Service after the Break in Service shall not increase
                           his vested  interest  in his Profit  Sharing  Account
                           attributable  to Years of Service earned prior to the
                           Break in Service.

                  (3)      If   an    Employee    is    reemployed    after    a
                           five-consecutive-year  Break in  Service  and has not
                           attained a vested  interest under the Plan,  Years of
                           Service  prior to the Break in  Service  shall not be
                           included  in  determining  his Years of Service  with
                           respect to his Profit Sharing Account.

Section 11.  IN-SERVICE WITHDRAWALS.
             ----------------------

         (a)  PARTICIPANT  LOANS. An Employee who is a Participant may request a
loan from his Accounts.  An application  for a loan by a Participant may be made
in writing or through any electronic  medium  designated by the  Committee.  The
amount of outstanding  loans to any Participant may not exceed the lesser of (1)
$50,000 (reduced by the excess,  if any, of the highest  outstanding  balance of
loans from the Plan during the one-year period ending on the day before the date
on which such loan was made, over the outstanding balance of loans from the Plan
on the date on which the loan was made) or (2) 50% of his Accrued Benefit. Loans
shall be available to all  Participants  on a  reasonably  equivalent  basis and
shall be subject to the approval of the Committee in accordance  with a uniform,
non-discriminatory  policy.  In  addition to such rules and  regulations  as the
Committee may adopt, all Participant loans shall comply with the following terms
and conditions:

                  (1)      An application  for a loan by a Participant  shall be
                           made  in   writing   to  the   Committee.   Loans  to
                           Participants shall be available for any purpose.  Any
                           action by the Committee on the loan application shall
                           be final.

                  (2)      The period of repayment for any loan shall be arrived
                           at by mutual agreement  between the Committee and the
                           Participant.  Such period shall not exceed five years
                           unless the  proceeds  of the loan are used to acquire
                           any dwelling  unit which within a reasonable  time is
                           to be used  (determined at the time the loan is made)
                           as the principal residence of the Employee,  in which
                           case  such   period   shall  not  exceed  ten  years.
                           Repayments must be made through payroll  withholding;
                           provided,  however,  that if a Participant is working
                           outside the United States and is being paid through a
                           non-United  States payroll,  he shall make repayments
                           by any means  deemed  appropriate  by the  Committee.
                           Loan  repayments may be suspended  under this Plan as
                           permitted under Section 414(u)(4) of the Code.

                  (3)      Each loan shall be secured  by an  assignment  of the
                           Participant's  Accrued  Benefit  equal to the  amount
                           borrowed, and shall be supported by the Participant's
                           promissory note for the amount of the loan, including
                           interest, payable to the order of the Trustee.

                  (4)      The   Participant   shall  designate  the  investment
                           fund(s) from which amounts will be withdrawn in order
                           to make the loan to him. Each loan shall constitute a
                           segregated investment of the Participant's Account(s)
                           and shall bear  interest at a rate that  provides the
                           Plan  with a return  commensurate  with the  interest
                           rates  charged by persons in the  business of lending
                           money  for loans  that  would be made  under  similar
                           circumstances.  For this purpose, the Committee shall
                           consult with institutional lenders in the area of the
                           Company's  principal place of business.  Such portion
                           of the  Participant's  Account(s)  shall not share in
                           the  allocation  of net income (or loss) of the Trust
                           except as to the  interest  on such loan to be agreed
                           to by the Participant and the Committee.

                  (5)      No distribution of the Participant's  Accrued Benefit
                           shall  be made to the  Participant  (or  Beneficiary)
                           unless and until all unpaid loans (including  accrued
                           interest  thereon)  have been  liquidated;  provided,
                           however,  that any  distribution  of a  Participant's
                           Accrued   Benefit   payable  to  a  Participant   (or
                           Beneficiary) may be offset by any balance due under a
                           Participant loan.

                  (6)      A loan to a  Participant  shall be in  default  if he
                           fails to make any  required  payment  thereunder.  In
                           that event,  the  Committee  shall direct the Trustee
                           take  such  steps  as  the  Committee   deems  to  be
                           necessary or  appropriate  in order to preserve Trust
                           Assets.

         The Committee  shall establish a written set of procedures by which all
loans  will be  administered.  Such  rules,  which  are  incorporated  herein by
reference, will include, but not be limited to, the following: (a) the person or
persons  authorized  to  administer  the  loan  program,  identified  by name or
position;  (b) the loan  application  procedure;  (c) the basis for approving or
denying loans; (d) any limits on the types of loans permitted; (e) the procedure
for  determining a "reasonable"  interest rate; (f) acceptable  collateral;  (g)
default conditions; and (h) steps which will be taken to preserve Plan assets in
the event of a default.

         (b)  HARDSHIP  WITHDRAWALS  OF ROLLOVER  CONTRIBUTIONS.  In the event a
Participant suffers a serious financial hardship,  such Participant may withdraw
a portion  of his  Rollover  Contributions  to meet  such  need,  provided  such
withdrawal  cannot exceed the amount  required to meet the  immediate  financial
need created by the serious financial hardship.  Such serious financial hardship
must be shown by positive evidence  submitted to the Committee that the hardship
is of a sufficient  magnitude to impair the  Participant's  financial  security.
Withdrawals  shall be determined in a consistent and  nondiscriminatory  manner,
and shall not affect a  Participant's  right  under the Plan to make  additional
withdrawals or to continue to be a Participant.

         (c) HARDSHIP WITHDRAWALS OF 401(K) SAVINGS CONTRIBUTIONS.  In the event
a Participant suffers a serious financial hardship which causes an immediate and
heavy financial need, such  Participant  shall be entitled to request a hardship
withdrawal of a portion of his 401(k) Savings  Contributions (but not any income
attributable   thereto).   A  withdrawal  of  a  Participant's   401(k)  Savings
Contributions  shall be available  only if  necessary in light of immediate  and
heavy  financial  needs of the  Participant,  as  determined by the Committee in
accordance   with   nondiscriminatory   standards   and   pursuant   to  Section
1.401(k)-1(d)(2)  of the regulations under the Code. A hardship withdrawal shall
be available only to be used for the following:

                  (1)      expenses for medical care described in Section 213(d)
                           of the Code previously  incurred by the  Participant,
                           his spouse or his  dependents  or necessary for these
                           persons to obtain such medical care; or

                  (2)      payment  of tuition  and  related  educational  fees,
                           including  room and board and the costs of textbooks,
                           for the next 12 months of post-secondary education of
                           the  Participant,  his  spouse,  his  children or his
                           dependents (as defined in Section 152 of the Code);

                  (3)      costs directly related to the purchase (excluding
                           mortgage payments) of a principal residence for the
                           Participant; or

                  (4)      for prevention of eviction of the Participant from
                           his principal residence or foreclosure on the
                           mortgage of his principal residence.

The  determination  of the amount of funds needed by the Participant may include
any  amounts  necessary  to pay any  Federal,  state  or local  income  taxes or
penalties reasonably anticipated to result from the withdrawal.

         Prior to allowing a  withdrawal  of the  Participant's  401(k)  Savings
Contributions, the Committee shall make the following findings:

                  (i)      The distribution requested by the Participant is not
                           in excess of the amount of the immediate and heavy
                           financial need of the Participant.

                  (ii)     The  Participant   has  obtained  all   distributions
                           (including  any  distributions   available  from  the
                           Participant's  other Accounts under the Plan) and all
                           nontaxable  loans  under all  qualified  plans of the
                           Company.

                  (iii)    The  Participant  has agreed  that no 401(k)  Savings
                           Contributions  will  be  made  on  his  behalf  under
                           Section  4(b) during the 12-month  period  commencing
                           upon his receipt of a hardship withdrawal.

                  (iv)     401(k) Savings  Contributions to be made on behalf of
                           the  Participant   for  the  Plan  Year   immediately
                           following  the Plan Year of the  hardship  withdrawal
                           shall not exceed the  applicable  limit under Section
                           402(g)  of the Code for such  succeeding  Plan  Year,
                           less the amount of the  Participant's  401(k) Savings
                           Contributions  for  the  Plan  Year  of the  hardship
                           withdrawal.

         The amount  withdrawn shall be taken prorata from the investment  funds
in which the 401(k) Savings Contributions Account is invested at the time of the
withdrawal.

         (d)  WITHDRAWALS  AFTER  ATTAINING AGE 59 1/2.  Withdrawals of Matching
Contributions or Profit Sharing  Contributions prior to the attainment of age 59
1/2 are not permitted  under the Plan.  However,  a Participant who has attained
age 59 1/2 may elect to  withdraw  from his  Accounts,  once each Plan Year,  an
amount  which is equal  to any  whole  percentage  (not  exceeding  100%) of the
balance in his Accounts attributable to: 401(k) Savings Contributions,  Matching
Contributions and Rollover Contributions (including total earnings thereon).

         (e) WITHDRAWALS  AFTER  SATISFACTION  OF CONDITIONS FOR  RETIREMENT.  A
Participant who has satisfied the age and service conditions for Retirement, but
who  continues  in Service may elect to  withdraw  once each Plan Year an amount
equal  to any  whole  percentage  (not  exceeding  100%) of the  balance  in his
Participant's  Account.  A  Participant  who makes such an  election  under this
Section 11(e) shall continue to participate in the Plan.

Section 12.  WHEN AND HOW ACCRUED BENEFIT WILL BE DISTRIBUTED.
             ------------------------------------------------

         (a)  Except  as  otherwise   provided  in  Sections  11  and  12(c),  a
Participant's  Accrued Benefit will be distributed  following his termination of
Service,  but only at the time  determined by the Committee and only in a single
lump sum  distribution of cash. If the value of a Participant's  Accrued Benefit
at the time a  distribution  would  otherwise  commence  under  this  Section 12
exceeds  $5,000,  no portion of his Accrued  Benefit may be  distributed  to him
before he attains age 62 without his consent.

         (b)      TIMING OF DISTRIBUTIONS -
                  -----------------------

                  (1)  The   Committee   shall   establish  a  written   benefit
distribution policy which may be modified from time to time and shall be applied
to Participants in a  nondiscriminatory  manner.  If the Committee  elects for a
Plan Year,  distributions  to Participants  may commence less than 30 days after
the notice required under Section  1.411(a)-11(c)  of the regulations  under the
Code is given; provided that no such distribution to a Participant shall be made
unless (1) the  Participant is informed that he has the right for a period of at
least 30 days after  receiving the notice to consider  whether or not to consent
to a distribution (or a particular distribution option), and (2) the Participant
affirmatively elects to receive a distribution after receiving the notice.

                  (2) A  Participant  may make a written  election  prior to the
receipt of the single lump sum  distribution  and prior to  incurring a Break in
Service to defer such  payment  for a  specified  period of time ending no later
than the Participant's Retirement. If such election to defer is made and payment
is not made prior to the Participant's  Break in Service,  all benefits shall be
deferred until the Participant's Retirement, unless an earlier distribution date
is selected.

                  (3) If the value of a Participant's  Accrued Benefit is $5,000
or less his Accrued  Benefit shall be distributed  as soon as practicable  after
the date his Service  terminates,  upon the  completion  and  processing  of the
applicable distribution forms.

                  (4) If the value of a  Participant's  Accrued  Benefit exceeds
$5,000 and the  Participant  terminates  Service  (whether  or not on account of
Retirement or Disability), distribution of a Participant's Accrued Benefit shall
occur not later than 60 days after the close of the Plan Year coinciding with or
next  following  the  later of his  Retirement  or his  termination  of  Service
(including termination of Service due to death or disability); provided however,
that in no event shall  distribution of that portion of a Participant's  Account
attributable to 401(k) Savings Contributions, and Matching Contributions be made
prior to the earliest of the  Participant's  Retirement,  death,  Disability  or
termination of Service,  unless such  distribution is made on account of (i) the
Employer's  sale of its interest in a subsidiary and the  Participant  continues
employment with the subsidiary; or (ii) the Employer's sale of substantially all
assets used in its trade or business and the  Participant  continues  employment
with the employer  acquiring such assets;  or (iii) the termination of the Plan,
as provided  in Section  12,  without  the  establishment  of a  successor  plan
pursuant to Section  401(k)(10)(A)(i) of the Code and the regulations thereunder
within the period  ending 12 months  after  distribution  of all assets from the
Plan.

                  (5) In the  event  of the  Participant's  death,  his  Accrued
Benefit shall be distributed to his Beneficiary as soon as practicable following
his death,  upon the completion  and  processing of the applicable  distribution
forms.

                  (6)  For   purposes   of   determining   the   amount  of  any
distribution, the value of the Participant's Accounts shall be determined at the
time his distribution forms are processed.

         (c) The  distribution  of the Accrued  Benefit of any  Participant  who
attains age 70 1/2 in a calendar year and who either (i) has terminated Service;
or (ii) is a "5% owner" (as defined in Section 416(i)(1)(B)(i) of the Code) must
commence not later than April 1st of the next  calendar year and must be made in
accordance with the regulations under Section  401(a)(9) of the Code,  including
Section 1.401(a)(9)-2; provided, however, that distributions shall be offered to
any other  Participant  who  attains age 70 1/2 before  January 1, 1999,  to the
extent required by Sections  401(a)(9) and 411(d)(6) of the Code and regulations
issued thereunder.

         (d)  Distribution  of a  Participant's  benefit  will  be  made  to the
Participant if he is living,  and if not, to his Beneficiary.  In the event of a
Participant's  death, the  Participant's  Beneficiary shall be the Participant's
surviving  spouse,  or if none,  the  Participant's  estate.  A Participant  may
designate a different  Beneficiary (and contingent  Beneficiaries)  from time to
time by filing a written  designation with the Committee together with a written
consent of his spouse,  if any,  which  consent  shall be  witnessed by a notary
public  and  shall   acknowledge   the  effect  of  such  consent.   A  deceased
Participant's   entire  benefit  shall  be  distributed  to  the   Participant's
Beneficiary within five years after his death.

         (e) The Company shall furnish the recipient of a distribution  with the
tax  consequences  explanation  required by Section 402(f) of the Code and shall
comply with the withholding  requirements of Section 3405 of the Code and of any
applicable state law with respect to distributions from the Trust.

         (f) If a distribution of a  Participant's  Accounts is neither one of a
series  of  annual  installments  over a period  of ten  years (or more) nor the
minimum  amount  required  to be  distributed  pursuant  to  Section  12(c)  (an
"eligible  rollover  distribution"),  the Committee shall notify the Participant
(or any spouse or former  spouse who is his  alternate  payee under a "qualified
domestic  relations  order" (as  defined in Section  414(p) of the Code)) of his
right to elect to have the "eligible rollover  distribution" paid directly to an
"eligible  retirement  plan"  (within the meaning of Section  401(a)(31)  of the
Code) that is an individual  retirement  account  described in Section 408(a) of
the Code or an individual  retirement annuity described in Section 408(b) of the
Code, a qualified  trust  described in Section 401(a) of the Code or a qualified
annuity  plan  described in Section  403(a) of the Code that  accepts  "eligible
rollover  distributions." If such an "eligible  rollover  distribution" is to be
made to the  Participant's  surviving  spouse,  the  Committee  shall notify the
surviving spouse of his right to elect to have the distribution paid directly to
an "eligible retirement plan" that is an individual retirement account described
in Section 408(a) of the Code or an individual  retirement  annuity described in
Section  408(b) of the Code. Any election under this Section 12(g) shall be made
and effected in accordance  with such rules and procedures as may be established
from time to time by the Committee in order to comply with Section 401(a)(31) of
the Code.

         (g)  All  or a  portion  of a  Participant's  Accrued  Benefit  may  be
distributed to the Participant's  former spouse or other alternate payee at such
time as the Committee shall determine (even if such distribution is prior to the
Participant's termination of employment),  if such distribution is made pursuant
to and in accordance with the terms of a QDRO.

Section 13.  NO ASSIGNMENT OF BENEFITS.
             -------------------------

         A Participant's  interest in the Plan may not be anticipated,  assigned
(either at law or in equity),  alienated or subject to attachment,  garnishment,
levy, execution or other legal or equitable process, except in accordance with a
(i) a "qualified  domestic relations order" (as defined in Section 414(p) of the
Code);  (ii) a federal tax levy or collection by the Internal Revenue Service on
a judgment  resulting  from an unpaid  tax  assessment;  or (iii) a judgment  or
settlement described in Section 401(a)(13)(C) of the Code.

Section 14.  ADMINISTRATION.
             --------------

         (a)  ADMINISTRATIVE  COMMITTEE  - The Plan will be  administered  by an
Administrative  Committee  appointed  by the Board of  Directors to serve at its
pleasure  and  without  compensation;  provided,  however,  that  members of the
Committee which do no receive  full-time pay from any Employer adopting the Plan
may receive reasonable  compensation for their services on the Committee. In the
absence of an appointment of the Administrative Committee, the Employer shall be
deemed to be the  Committee  for  purposes  of this  Plan.  The  members  of the
Committee  shall be the named  fiduciaries  with authority to control and manage
the operation and  administration of the Plan. Members of the Committee need not
be Employees or Participants.  Any Committee member may resign by giving 30 days
notice,  in writing,  to the Board of  Directors  (unless  such notice  shall be
waived).

         (b) COMMITTEE  ACTION - Committee  action will be by vote of a majority
of the members at a meeting or in writing by all the members  without a meeting.
A Committee member who is a Participant  shall not vote on any question relating
specifically to himself.

         The Committee shall choose from its members a Chairman and a Secretary.
The Chairman or the  Secretary of the  Committee  shall be authorized to execute
any  certificate  or other  written  direction on behalf of the  Committee.  The
Secretary shall keep a record of the  Committee's  proceedings and of all dates,
records and documents pertaining to the administration of the Plan.

         (c) POWERS AND DUTIES OF THE COMMITTEE - The  Committee  shall have all
powers  necessary to enable it to administer the Plan and the Trust Agreement in
accordance with their provisions, including without limitation the following:

                  (1)      resolving all questions relating to the eligibility
                           of Employees to become Participants;

                  (2)      determining the appropriate allocations to
                           Participants' Accounts pursuant to Section 6;

                  (3)      determining the amount of benefits payable to a
                           Participant (or Beneficiary), and the
                           time and manner in which such benefits are to be
                           paid;

                  (4)      selecting the investment funds to be offered to
                           Participants for investment of their Accounts;

                  (5)      authorizing and directing all disbursements of Trust
                           Assets by the Trustee;

                  (6)      establishing  procedures in  accordance  with Section
                           414(p) of the Code to determine the qualified  status
                           of  domestic   relations  orders  and  to  administer
                           distributions under such qualified orders;

                  (7)      engaging any administrative, legal, accounting,
                           clerical or other services that it may deem
                           appropriate;

                  (8)      construing  and  interpreting  the Plan and the Trust
                           Agreement and adopting  rules for  administration  of
                           the Plan  that are  consistent  with the terms of the
                           Plan documents and of ERISA and the Code;

                  (9)      compiling and maintaining all records it determines
                           to be necessary, appropriate or convenient
                           in connection with the administration of the Plan;

                  (10)     reviewing the performance of the Trustee with
                           respect to the Trustee's administrative
                           duties, responsibilities and obligations under the
                           Plan and Trust Agreement;

                  (11)     appointing an Investment Manager with respect to all
                           or any portion of the Trust Assets; and

                  (12)     executing agreements and other documents on behalf
                           of the Plan and Trust.

     The  Committee  shall be  responsible  for  directing the Trustee as to the
investment  of Trust Assets and may  delegate to the Trustee the  responsibility
for investing  Trust Assets  (other than Company  Stock).  The  Committee  shall
establish a funding  policy and method for  investing  Trust  Assets in a manner
that is  consistent  with the  objectives  of the Plan and the  requirements  of
ERISA.

         The  Committee  shall  perform its duties  under the Plan and the Trust
Agreement solely in the interests of the Participants (and their Beneficiaries).
Any discretion  granted to the Committee under any of the provisions of the Plan
or the Trust  Agreement  shall be exercised  only in  accordance  with rules and
policies   established  by  the  Committee   which  shall  be  applicable  on  a
nondiscriminatory   basis.   The   Committee   shall  have  sole  and  exclusive
discretionary authority to construe,  interpret and apply the terms of the Plan.
All actions,  interpretations  and decisions of the Committee are conclusive and
binding  on all  persons,  and shall be given the  greatest  possible  deference
permitted by law in the exercise of such authority.

         The  Committee may permit an amount to be  transferred  to this Plan on
behalf of a group of  Participants  from another plan  qualified  under  Section
401(a) of the Code ("Qualified  Plan").  Any such transfer shall be allocated to
the Participants' Rollover Contributions Account or 401(k) Savings Contributions
Account,  as appropriate to reflect the nature of the  transferred  assets,  and
such  Accounts  shall be  designated  in the written  asset  transfer  agreement
between the transferor plan and this Plan. No such transfer,  however,  shall be
permitted if it constitutes a direct or indirect  transfer from a Qualified Plan
that would otherwise have provided for a life annuity form of benefit payment to
participants.  No  provision  of  the  Plan  shall  be  applied  to  the  assets
transferred  from any other  Qualified  Plan in a manner which would violate the
"anti-cutback"  rules of Section  411(d)(6)  of the Code.  In the event that the
Company  sells  assets  of a trade or  business  to an  unrelated  company,  the
Committee may determine (pursuant to an applicable agreement between the Company
and the unrelated  company  providing for such transfer) that the assets of this
Plan  attributable  to  Participants  affected  by  such  transaction  shall  be
transferred  for the  benefit  of such  Participants  to the  Qualified  Plan(s)
maintained by the unrelated Company.

         (d) EXPENSES - All reasonable  expenses of  administering  the Plan and
Trust  may be  charged  to and paid out of the  Trust  Assets.  A  Participant's
Accounts may be charged with any expenses  that are incurred by the  Participant
in connection with any investment  transaction with respect to the Participant's
Accounts.  The Company may, however,  pay all or any portion of such expenses of
the Plan and Trust directly, and payment of expenses by the Company shall not be
deemed to be Employer Contributions.

         (e)  INFORMATION  TO BE  SUBMITTED  TO THE  COMMITTEE  - To enable  the
Committee  to perform its  functions,  the Company  shall supply full and timely
information  to the Committee on all matters as the  Committee may require,  and
shall  maintain  such other records as the Committee may determine are necessary
or appropriate in order to determine the benefits due or which may become due to
Participants (or Beneficiaries) under the Plan.

         (f) DELEGATION OF FIDUCIARY RESPONSIBILITY - The Committee from time to
time may allocate to one or more of its members and/or may delegate to any other
persons or organizations any of its rights,  powers, duties and responsibilities
with respect to the operation and  administration of the Plan that are permitted
to be so delegated  under ERISA;  provided,  however,  that  responsibility  for
investment  of the Trust  Assets may not be  allocated  or  delegated  except as
provided in Sections 5 and 16(c).  Any such  allocation or  delegation  shall be
made in writing,  shall be reviewed  periodically  by the Committee and shall be
terminable upon such notice as the Committee in its discretion  deems reasonable
and proper under the circumstances.

         (g) BONDING,  INSURANCE  AND INDEMNITY - To the extent  required  under
Section  412 of  ERISA,  the  Company  shall  secure  fidelity  bonding  for the
fiduciaries of the Plan.

         The Company  (in its  discretion)  or the  Trustee (as  directed by the
Committee)  may obtain a policy or policies of insurance for the Committee  (and
other fiduciaries of the Plan) to cover liability or loss occurring by reason of
the act or omission of a fiduciary.  If such  insurance is purchased  with Trust
Assets,  the policy must permit recourse by the insurer against the fiduciary in
the case of a breach of a fiduciary  obligation by such  fiduciary.  The Company
hereby agrees to indemnify  (to the extent  permitted by law) each member of the
Committee against any personal liability or expense resulting from the discharge
of his  responsibilities  in connection with the Plan,  except such liability or
expense as may result from his own gross negligence or willful misconduct.

         (h) NOTICES,  STATEMENTS  AND REPORTS - The Company  shall be the "Plan
Administrator"  (as defined in Section  3(16)(A) of ERISA and Section  414(g) of
the Code) for purposes of the reporting and disclosure requirements of ERISA and
the Code.  The Committee  shall assist the Company,  as requested,  in complying
with such  reporting  and  disclosure  requirements.  The  Company  shall be the
designated agent of the Plan for the service of legal process.

Section 15.  CLAIMS PROCEDURE.
             ----------------

         A Participant (or  Beneficiary)  who does not receive a distribution of
benefits  to  which  he  believes  he is  entitled  may  present  a claim to the
Committee.  The claim for  benefits  must be in  writing  and  addressed  to the
Committee or to the Company.  If the claim for benefits is denied, the Committee
shall notify the  Participant  (or  Beneficiary) in writing within 90 days after
the  Committee  initially  received  the  benefit  claim.  If there are  special
circumstances  which require an extension of time for  processing  the claim for
benefits,  the  Committee's  decision  shall be rendered not later than 180 days
after  receipt of a claim.  Any notice of a denial of benefits  shall advise the
Participant  (or  Beneficiary)  of the  basis  for the  denial,  any  additional
material or  information  necessary  for the  Participant  (or  Beneficiary)  to
perfect his claim and the steps which the Participant (or Beneficiary) must take
to have his claim for benefits reviewed.

         Each  Participant  (or  Beneficiary)  whose claim for benefits has been
denied may (1) request in writing a review by a named fiduciary,  other than the
Committee;  (2) review  pertinent  Plan  documents;  and (3)  submit  issues and
comments in writing to the named fiduciary. The request for review must be filed
by the Participant (or Beneficiary) within 60 days after he receives the written
notice  denying  his claim.  The  decision of the named  fiduciary  will be made
within 80 days after  receipt of a request for review and shall be  communicated
in writing to the  claimant.  Such written  notice shall set forth the basis for
the named fiduciary's  decision. If there are special circumstances (such as the
need to hold a hearing)  which require an extension of time for  completing  the
review, the named fiduciary's decision shall be rendered not later than 120 days
after receipt of a request for review. All decisions and interpretations of [the
Committee and] the named fiduciary under this Section 15 shall be conclusive and
binding  upon all  persons  with an  interest in the Plan and shall be given the
greatest deference permitted by law.

Section 16.  LIMITATION ON PARTICIPANTS' RIGHTS.
             ----------------------------------

         A  Participant's  Accrued  Benefit will be based solely upon his vested
interest  in his  Accounts  and will be paid  only  from the  Trust  Assets.  An
Employer,  the  Committee or the Trustee shall not have any duty or liability to
furnish  the  Trust  with any  funds,  securities  or other  assets,  except  as
expressly provided in the Plan.

         The  adoption  and  maintenance  of the Plan  shall  not be  deemed  to
constitute a contract of  employment  or  otherwise  between an Employer and any
Employee,  or to be a  consideration  for, or an inducement or condition of, any
employment.  Nothing  contained in this Plan shall be deemed to give an Employee
the right to be retained in the Service of an Employer or to interfere  with the
right of an Employer to discharge,  with or without  cause,  any Employee at any
time.

Section 17.  FUTURE OF THE PLAN.
             ------------------

         The Company reserves the right to amend or terminate the Plan (in whole
or in part)  and the  Trust  Agreement  at any  time,  by action of the Board of
Directors.  Notwithstanding  the preceding  sentence,  any amendment of the Plan
that is not reasonably  anticipated to result in significant  additional cost to
an  Employer,  or  which is  necessary  to  ensure  compliance  with  applicable
provisions  of the Code and ERISA,  may be adopted by the  Director  of Benefits
Administration  of the Company,  by written  instrument.  Neither  amendment nor
termination  of the  Plan  shall  retroactively  reduce  the  vested  rights  of
Participants  or permit any part of the Trust  Assets to be  diverted to or used
for any purpose other than for the exclusive  benefit of the  Participants  (and
their Beneficiaries).

         The Company  specifically  reserves the right to amend the Plan and the
Trust Agreement retroactively in order to satisfy any applicable requirements of
the Code and ERISA.

         If the Plan is terminated (or partially  terminated),  participation of
Participants affected by the termination will end. If Employer Contributions are
not  replaced  by  contributions  to  a  comparable  plan  which  satisfies  the
requirements  of Section 401(a) of the Code, the Accounts of those  Participants
affected by the  termination  will become  nonforfeitable  as of the termination
date. A complete  discontinuance of Employer Contributions shall be deemed to be
a termination of the Plan for this purpose.

         After  termination of the Plan, the Trust will be maintained  until the
Accrued Benefits of all Participants have been distributed. Accrued Benefits may
be  distributed  following  termination  of the  Plan  or  distributions  may be
deferred as provided in Section 12, as the Company shall determine.

         In the event of the merger or  consolidation  of this Plan with another
plan,  or the transfer of Trust assets (or  liabilities)  to another  plan,  the
Account   balances  of  each   Participant   immediately   after  such   merger,
consolidation  or transfer must be at least as great as immediately  before such
merger, consolidation or transfer (as if the Plan had then terminated).

Section 18.  "TOP-HEAVY" CONTINGENCY PROVISIONS.
             ----------------------------------

         (a)      The provisions of this Section 18 are included in the Plan
pursuant to Section  401(a)(10)(B)(ii)  of the Code and shall become
applicable only if the Plan becomes a "top-heavy  plan" under  Section  416(g)
of the Code for any Plan Year.

         (b) The  determination  as to whether the Plan becomes  "top-heavy" for
any Plan Year shall be made as of the last day of the immediately preceding Plan
Year.  The Plan shall be "top-heavy"  only if the total of the account  balances
for "key employees" as of the determination date exceeds 60% of the total of the
account balances for all Participants.  For such purpose, account balances shall
be computed and adjusted pursuant to Section 416(g) of the Code, which is hereby
incorporated by this reference.  "Key employees"  shall be certain  Participants
(who are officers or shareholders of the Company) and Beneficiaries described in
Section  416(i)(1)  or (5) of the  Code,  which is hereby  incorporated  by this
reference; and in determining "key employees," the term "annual compensation" in
Section 416(i)(1)(A) of the Code shall mean Statutory Compensation.

         (c)  For  any  Plan  Year  in  which  the  Plan  is  "top-heavy,"  each
Participant  who is an Employee on the last day of the Plan Year (and who is not
a "key employee") shall receive a minimum  allocation of Employer  Contributions
and Forfeitures which is equal to the lesser of:

                  (1)      3% of his Statutory Compensation; or

                  (2)      the same percentage of his Statutory  Compensation as
                           the  allocation  to the "key  employee"  for whom the
                           percentage  is the  highest  for that Plan Year.  For
                           this purpose,  the  allocation to the "key  employee"
                           shall  include  any  401(k)  Savings   Contributions,
                           Matching   Contributions,   and  any  Profit  Sharing
                           Contributions made on his behalf for the Plan Year.

         (d) As of the first  day of any Plan Year in which the Plan has  become
"top-heavy,"  the vesting  schedule in Section  9(a)(3)  shall be amended  (with
respect to any Employee who is credited  with at least one Hour of Service after
the Plan has become "top-heavy") to read as follows:

            Years of                             Nonforfeitable
            Service                               Percentage
            --------                             --------------

            Less than Two Years                          0%

            Two Years                                   20%

            Three Years                                 40%

            Four Years                                  60%

            Five Years or More                         100%

         If  the  Plan  ceases  to be  "top-heavy,"  the  Accrued  Benefit  of a
Participant  who,  at that  time,  has less than three  years of  Service  shall
thereafter be determined under the vesting schedule in Section 9(a)(3),  instead
of the vesting  schedule in this Section 18(d),  except that his  nonforfeitable
percentage shall not be reduced below the nonforfeitable  percentage that he had
at the  time  the Plan  ceased  to be  "top-heavy."  If the  Plan  ceases  to be
"top-heavy,"  the Accrued Benefit of a Participant  who, at that time, has three
or more years of Service  shall  continue  to be  determined  under the  vesting
schedule in this Section 18(d).

Section 19.  GOVERNING LAW.
             -------------

        The provisions of this Plan and the Trust Agreement shall be construed,
administered  and  enforced  in  accordance  with  the  laws  of  the  State  of
California, to the extent such laws are not superseded by ERISA.

Section 20.  EXECUTION.
             ---------

         To record the adoption of this  amendment and  restatement of the Plan,
the  Company  has  caused  this  document  to be  executed  on this 15th day of
September, 1999.

                                     USCS INTERNATIONAL, INC.

                                     By:  /s/ Randy Gorrell
                                         -------------------------------
                                         Randy Gorrell
                                         Sr. Vice President

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