Document:

Exhibit 10.29

    EXHIBIT
      10.29

    

    

    

     

    

    

    

    

    

    WEINGARTEN
      REALTY RETIREMENT PLAN

    

    April
      1, 2002 Restatement

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    TABLE
      OF CONTENTS

     

    
      

        
          	
                  PREAMBLE

                
	 	 	 
	 	 	 
	
                  ARTICLE
                    I

                
	
                  DEFINITIONS

                
	 	 	 
	
                  1.1

                	
                  Plan
                    Definitions 

                	
                  2

                
	
                  1.2

                	
                  Construction
                    

                	
                  10

                
	 	 	 
	
                  ARTICLE
                    II

                
	
                  HOURS
                    OF SERVICE

                
	 	 	 
	
                  2.1

                	
                  Crediting
                    of Hours of Service 

                	
                  11

                
	
                  2.2

                	
                  Hours
                    of Service Equivalencies 

                	
                  12

                
	
                  2.3

                	
                  Determination
                    of Non-Duty Hours of Service 

                	
                  13

                
	
                  2.4

                	
                  Allocation
                    of Hours of Service to Service Computation Periods 

                	
                  14

                
	
                  2.5

                	
                  Department
                    of Labor Rules 

                	
                  14

                
	 	 	 
	
                  ARTICLE
                    III

                
	
                  SERVICE
                    & CREDITED SERVICE

                
	 	 	 
	
                  3.1

                	
                  Service
                    and Credited Service Prior to January 1, 2002 

                	
                  15

                
	
                  3.2

                	
                  Service
                    and Credited Service On or After January 1, 2002 

                	
                  15

                
	
                  3.3

                	
                  Transfers
                    

                	
                  15

                
	
                  3.4

                	
                  Retirement
                    or Termination and Reemployment 

                	
                  16

                
	
                  3.5

                	
                  Finality
                    of Determinations 

                	
                  16

                
	 	 	 
	
                  ARTICLE
                    IV

                
	
                  ELIGIBILITY
                    FOR PARTICIPATION

                
	 	 	 
	
                  4.1

                	
                  Participation
                    

                	
                  18

                
	
                  4.2

                	
                  Termination
                    of Participation 

                	
                  18

                
	
                  4.3

                	
                  Participation
                    Upon Reemployment 

                	
                  18

                
	
                  4.4

                	
                  Finality
                    of Determinations 

                	
                  18

                
	 	 	 
	
                  ARTICLE
                    V

                
	
                  NORMAL
                    RETIREMENT

                
	 	 	 
	
                  5.1

                	
                  Eligibility
                    

                	
                  19

                
	
                  5.2

                	
                  Regular
                    Benefit Amount 

                	
                  19

                
	
                  5.3

                	
                  Minimum
                    Benefit Amount 

                	
                  20

                
	
                  5.4

                	
                  401(a)(17)
                    Fresh Start Adjustments 

                	
                  20

                

        

        
          
             

            

            
            

          

          
            i

            
              

            

          

          
            
            

          

        

        

        
          	
                  5.5

                	
                  Payment
                    

                	
                  21

                
	
                  5.6

                	
                  Opening
                    Balance 

                	
                  21

                
	
                  5.7

                	
                  Interest
                    Credits 

                	
                  21

                
	
                  5.8

                	
                  Service
                    Credits 

                	
                  22

                
	 	 	 
	
                  ARTICLE
                    VI

                
	
                  EARLY
                    RETIREMENT

                
	 	 	 
	
                  6.1

                	
                  Eligibility
                    

                	
                  23

                
	
                  6.2

                	
                  Amount
                    

                	
                  23

                
	
                  6.3

                	
                  Payment
                    

                	
                  23

                
	 	 	 
	
                  ARTICLE
                    VII

                
	
                  VESTED
                    RIGHTS

                
	 	 	 
	
                  7.1

                	
                  Vesting
                    

                	
                  24

                
	
                  7.2

                	
                  Eligibility
                    for Deferred Vested Retirement Benefit 

                	
                  25

                
	
                  7.3

                	
                  Amount
                    of Deferred Vested Retirement Benefit 

                	
                  25

                
	
                  7.4

                	
                  Payment
                    

                	
                  25

                
	
                  7.5

                	
                  Immediate
                    Commencement Option for Small Benefits 

                	
                  25

                
	
                  7.6

                	
                  Election
                    of Former Vesting Schedule 

                	
                  26

                
	 	 	 
	
                  ARTICLE
                    VIII

                
	
                  DISABILITY
                    RETIREMENT BENEFIT

                
	 	 	 
	
                  8.1

                	
                  Eligibility
                    

                	
                  27

                
	
                  8.2

                	
                  Amount
                    

                	
                  27

                
	
                  8.3

                	
                  Special
                    Rules for Calculating Disability Retirement Benefit 

                	
                  27

                
	
                  8.4

                	
                  Payment
                    

                	
                  27

                
	 	 	 
	
                  ARTICLE
                    IX

                
	
                  FORMS
                    OF PAYMENT

                
	 	 	 
	
                  9.1

                	
                  Normal
                    Form of Payment 

                	
                  28

                
	
                  9.2

                	
                  Optional
                    Forms of Payment 

                	
                  29

                
	
                  9.3

                	
                  Designation
                    of Beneficiary and Beneficiary in Absence of Designated Beneficiary
                    

                	
                  31

                
	
                  9.4

                	
                  Notice
                    Regarding Forms of Payment 

                	
                  32

                
	
                  9.5

                	
                  Election
                    Period 

                	
                  32

                
	
                  9.6

                	
                  Spousal
                    Consent Requirements 

                	
                  33

                
	
                  9.7

                	
                  Death
                    Prior to Annuity Starting Date 

                	
                  34

                
	
                  9.8

                	
                  Effect
                    of Reemployment on Form of Payment 

                	
                  34

                

        

        
          
             

            

            
            

          

          
            ii

            
              

            

          

          
            
            

          

        

        

        
          	
                  ARTICLE
                    X

                
	
                  SURVIVOR
                    BENEFITS

                
	 	 	 
	
                  10.1

                	
                  Eligibility
                    for Qualified Preretirement Survivor Annuity 

                	
                  35

                
	
                  10.2

                	
                  Amount
                    of Qualified Preretirement Survivor Annuity 

                	
                  35

                
	
                  10.3

                	
                  Enhanced
                    Qualified Preretirement Survivor Annuity 

                	
                  36

                
	
                  10.4

                	
                  Payment
                    of Qualified Preretirement Survivor Annuity 

                	
                  36

                
	
                  10.5

                	
                  Non-Spouse
                    Survivor Annuity 

                	
                  36

                
	 	 	 
	
                  ARTICLE
                    XI

                
	
                  GENERAL
                    PROVISIONS & LIMITATIONS

                
	 	 	 
	
                  11.1

                	
                  Suspension
                    of Benefits 

                	
                  38

                
	
                  11.2

                	
                  Non-Alienation
                    of Retirement Rights or Benefits 

                	
                  38

                
	
                  11.3

                	
                  Payment
                    of Benefits to Others 

                	
                  38

                
	
                  11.4

                	
                  Payment
                    of Small Benefits; Deemed Cashout 

                	
                  38

                
	
                  11.5

                	
                  Direct
                    Rollovers 

                	
                  39

                
	
                  11.6

                	
                  Limitations
                    on Commencement 

                	
                  40

                
	 	 	 
	
                  ARTICLE
                    XII

                
	
                  MAXIMUM
                    RETIREMENT BENEFITS

                
	 	 	 
	
                  12.1

                	
                  Applicability
                    

                	
                  42

                
	
                  12.2

                	
                  Definitions
                    

                	
                  42

                
	
                  12.3

                	
                  Maximum
                    Limitation on Annual Benefits 

                	
                  44

                
	
                  12.4

                	
                  Exceptions
                    

                	
                  44

                
	
                  12.5

                	
                  Manner
                    of Reduction 

                	
                  44

                
	 	 	 
	
                  ARTICLE
                    XIII

                
	
                  PENSION
                    FUND

                
	 	 	 
	
                  13.1

                	
                  Pension
                    Fund 

                	
                  46

                
	
                  13.2

                	
                  Contributions
                    by the Employers 

                	
                  46

                
	
                  13.3

                	
                  Expenses
                    of the Plan 

                	
                  46

                
	
                  13.4

                	
                  No
                    Reversion 

                	
                  46

                
	
                  13.5

                	
                  Forfeitures
                    Not to Increase Benefits 

                	
                  47

                
	
                  13.6

                	
                  Change
                    of Funding Medium 

                	
                  47

                
	 	 	 
	
                  ARTICLE
                    XIV

                
	
                  ADMINISTRATION

                
	 	 	 
	
                  14.1

                	
                  Authority
                    of the Sponsor 

                	
                  48

                
	
                  14.2

                	
                  Action
                    of the Sponsor 

                	
                  48

                
	
                  14.3

                	
                  Claims
                    Review Procedure 

                	
                  49

                

        

        

        
          
             

            

            
            

          

          
            iii

            
              

            

          

          
            
            

          

        

        

        
          	
                  14.4

                	
                  Qualified
                    Domestic Relations Orders 

                	
                  50

                
	
                  14.5

                	
                  Indemnification
                    

                	
                  50

                
	
                  14.6

                	
                  Actions
                    Binding 

                	
                  50

                
	 	 	 
	
                  ARTICLE
                    XV

                
	
                  ADOPTION
                    BY OTHER ENTITIES

                
	 	 	 
	
                  15.1

                	
                  Adoption
                    by Affiliated Companies 

                	
                  51

                
	
                  15.2

                	
                  Effective
                    Plan Provisions 

                	
                  51

                
	 	 	 
	
                  ARTICLE
                    XVI

                
	
                  AMENDMENT
                    & TERMINATION OF PLAN

                
	 	 	 
	
                  16.1

                	
                  Sponsor's
                    Right of Amendment 

                	
                  52

                
	
                  16.2

                	
                  Termination
                    of the Plan 

                	
                  52

                
	
                  16.3

                	
                  Adjustment
                    of Allocation 

                	
                  53

                
	
                  16.4

                	
                  Assets
                    Insufficient for Allocation 

                	
                  53

                
	
                  16.5

                	
                  Assets
                    Insufficient for Allocation Under Paragraph (c) of Section 16.2
                    

                	
                  54

                
	
                  16.6

                	
                  Allocations
                    Resulting in Discrimination 

                	
                  54

                
	
                  16.7

                	
                  Residual
                    Assets 

                	
                  54

                
	
                  16.8

                	
                  Meanings
                    of Terms 

                	
                  54

                
	
                  16.9

                	
                  Payments
                    by the Funding Agent 

                	
                  55

                
	
                  16.10

                	
                  Residual
                    Assets Distributable to the Employers 

                	
                  55

                
	
                  16.11

                	
                  Withdrawal
                    of an Employer 

                	
                  55

                
	 	 	 
	
                  ARTICLE
                    XVII

                
	
                  MISCELLANEOUS

                
	 	 	 
	
                  17.1

                	
                  No
                    Commitment as to Employment 

                	
                  56

                
	
                  17.2

                	
                  Claims
                    of Other Persons 

                	
                  56

                
	
                  17.3

                	
                  Governing
                    Law 

                	
                  56

                
	
                  17.4

                	
                  Nonforfeitability
                    of Benefits Upon Termination or Partial Termination 

                	
                  56

                
	
                  17.5

                	
                  Merger,
                    Consolidation, or Transfer of Plan Assets 

                	
                  56

                
	
                  17.6

                	
                  Funding
                    Agreement 

                	
                  57

                
	
                  17.7

                	
                  Benefit
                    Offsets for Overpayments 

                	
                  57

                
	
                  17.8

                	
                  Internal
                    Revenue Requirements 

                	
                  57

                
	
                  17.9

                	
                  Overall
                    Permitted Disparity Limits 

                	
                  58

                
	
                  17.10

                	
                  Veterans
                    Reemployment Rights 

                	
                  58

                
	 	 	 
	
                  ARTICLE
                    XVIII

                
	
                  TOP-HEAVY
                    PROVISIONS

                
	 	 	 
	
                  18.1

                	
                  Top-Heavy
                    Plan Definitions 

                	
                  59

                
	
                  18.2

                	
                  Applicability
                    of Top-Heavy Plan Provisions 

                	
                  61

                

        

        

        
          
             

            

            
            

          

          
            iv

            
              

            

          

          
            
            

          

        

        

        
          	
                  18.3

                	
                  Top-Heavy
                    Vesting 

                	
                  61

                
	
                  18.4

                	
                  Minimum
                    Top-Heavy Benefit 

                	
                  62

                

        

        

      

    

    
      
        
          

           

          

        

        
        

      

      
        v

        
          

        

      

      
        
        

        
        

      

    

    

    PREAMBLE

    

    

    The
      Weingarten Realty Retirement Plan, originally effective as of May 24, 1980,
      as
      maintained under an amendment and restatement made effective as of January
      1,
      2000, was frozen effective December 31, 2001. Effective April 1, 2002, the
      Plan
      is amended and restated in its entirety as a cash balance plan. Grandfathered
      Participants shall not participate in the cash balance provisions of the Plan,
      but shall continue to accrue benefits in accordance with the provisions of
      the
      Plan as in effect prior to January 1, 2002, as reflected in this amendment
      and
      restatement.

    

    The
      Plan,
      as amended and restated hereby, is intended to qualify as a defined benefit
      pension plan under Code Section 401(a). The Plan is maintained for the exclusive
      benefit of eligible employees and their beneficiaries.

    

    Except
      as
      otherwise specifically provided in the Plan, this amended and restated Plan
      shall be effective as of April 1, 2002, and the rights of any person who did
      not
      have an Hour of Service under the Plan on or after April 1, 2002, shall
      generally be determined in accordance with the terms of the Plan as in effect
      on
      the date for which he was last credited with an Hour of Service. In no event
      shall a Participant who retired or otherwise terminated employment during the
      period beginning January 2, 2002 and ending close of business March 31, 2002
      (the "Freeze Period") accrue benefits under the Plan for employment during
      the
      Freeze Period.

    

    Notwithstanding
      any other provision of the Plan to the contrary, a Participant's vested interest
      in his Accrued Benefit under the Plan on and after the effective date of this
      amendment and restatement shall be not less than his vested interest in his
      Accrued Benefit on the day immediately preceding the effective
      date.

    

    
      
        
        

      

      
        1

        
          

        

      

      
        
        

        
        

      

    

    ARTICLE
      I

    DEFINITIONS

    

    

    
      	
              1.1

            	
              Plan
                Definitions 

            

    

    

    As
      used
      herein, the following words and phrases, when they appear with initial letters
      capitalized as indicated below, have the meanings hereinafter set
      forth:

    

    
      	
              (a)

            	
              An
                "Active
                Participant"
                means a Participant who is accruing Credited Service under the Plan
                in
                accordance with the provisions of Article III.

            

    

    

    
      	
              (b)

            	
              A
                Participant's "Accrued
                Benefit"
                as of any date means the following:

            

    

    

    
      	 	
              (1)

            	
              For
                a Grandfathered Participant, the portion of his monthly normal retirement
                benefit accrued as of that date determined as provided in Article
                V, based
                on his years of Credited Service and his Average Annual Earnings
                determined as of that date.

            

    

    

    
      	 	
              (2)

            	
              For
                a Cash Balance Participant, his Frozen Accrued Benefit or his Cash
                Balance
                Account as of that date; provided, however, that if the Participant
                has
                not attained Normal Retirement Date, the value of his Cash Balance
                Account
                shall be determined assuming Interest Credits continue to accrue
                on such
                account until his Normal Retirement Date at the rate in effect under
                Section 5.7.

            

    

    

    
      	
              (c)

            	
              The
                "Actuarial
                Equivalent"
                of a value means the actuarial equivalent determined using the following
                factors (i) the table prescribed by the Secretary of the Treasury,
                which
                shall be based on the prevailing commissioners' standard table, described
                in Code Section 807(d)(5)(A), used to determine reserves for group
                annuity
                contracts issued on the date as of which present value is being determined
                (without regard to any other subparagraph of Code Section 807(d)(5))
                and
                (ii) the annual rate of interest on 30-year Treasury securities for
                the
                second calendar month preceding the Plan Year in which the distribution
                is
                made. Effective for distributions with an Annuity Starting Date on
                or
                after December 31, 2002, the table described in (i) shall be the
                table set
                forth in Revenue Ruling 2001-62.

            

    

    

    For
      purposes of determining the present value of a Cash Balance Participant's Frozen
      Accrued Benefit or a Grandfathered Participant's Accrued Benefit, present value
      for a Participant who has reached Normal Retirement Date shall be calculated
      based on the immediate annuity payable to the Participant as of his Annuity
      Starting Date. For a Participant who has not yet reached Normal Retirement
      Date
      at the time such present value is being determined, the present value shall
      be
      calculated based on a deferred annuity payable commencing at Normal Retirement
      Date. For purposes of this paragraph, 

     

    
      
        
        

      

      
        2

        
          

        

      

      
        
        

      

    

     

    immediate
      and deferred annuities will be in the normal form applicable to unmarried
      Participants under Section 9.1 of the Plan.

    

    
      	
              (d)

            	
              The
                "Actuary"
                means an independent actuary selected by the Sponsor, who is an enrolled
                actuary as defined in Code Section 7701(a)(35), or a firm or
                corporation of actuaries having such a person on its staff, which
                person,
                firm, or corporation is to serve as the actuarial consultant for
                the
                Plan.

            

    

    

    
      	
              (e)

            	
              The
                "Administrator"
                means the Sponsor unless the Sponsor designates another person or
                persons
                to act as such.

            

    

    

    
      	
              (f)

            	
              An
                "Affiliated
                Company"
                means any corporation or business, other than an Employer, which
                would be
                aggregated with an Employer for a relevant purpose under Code
                Section 414.

            

    

    

    
      	
              (g)

            	
              A
                Participant's, or Beneficiary's, if the Participant has died,
                "Annuity
                Starting Date"
                means the first day of the first period for which an amount is paid
                as an
                annuity or, in the case of a single sum payment, the first day on
                which
                all events have occurred which entitle the Participant, or his
                Beneficiary, if applicable, to such
                benefit.

            

    

    

    If
      a
      Participant whose Annuity Starting Date has occurred is reemployed by an
      Employer or an Affiliated Company resulting in a suspension of benefits in
      accordance with the provisions of Section 11.1, for purposes of determining
      the
      form of payment of such Participant's benefit upon his subsequent retirement,
      such prior Annuity Starting Date shall apply to benefits accrued prior to the
      Participant's reemployment. Such prior Annuity Starting Date shall also apply
      to
      benefits accrued following the Participant's reemployment if such prior Annuity
      Starting Date occurred on or after the Participant's Normal Retirement Date.
      Such prior Annuity Starting Date shall not
      apply to
      benefits accrued following the Participant's reemployment if such prior Annuity
      Starting Date occurred prior to the Participant's Normal Retirement
      Date.

    

    
      	
              (h)

            	
              A
                Grandfathered Participant's "Average
                Annual Earnings"
                means his highest average annual Earnings received for any five
                consecutive Earnings Computation Periods (or the Grandfathered
                Participant's period of employment, if shorter) during the ten consecutive
                Earnings Computation Periods immediately preceding the date the
                Grandfathered Participant's employment
                terminates.

            

    

    

    If
      a
      Grandfathered Participant is credited with less than a full year of Credited
      Service for any Earnings Computation Period, his Earnings for such Earnings
      Computation Period shall be annualized for purposes of determining his Average
      Annual Earnings by multiplying his actual Earnings for such Earnings Computation
      Period by the ratio that 2080 bears to the number of Hours of Service credited
      to the Grandfathered Participant for the Earnings Computation
      Period.

     

    
      
        
        

      

      
        3

        
          

        

      

      
        
        

      

    

    
 

    The
      Average Annual Earnings of a Grandfathered Participant who becomes Disabled
      shall be determined assuming the Grandfathered Participant continues to receive
      Earnings during the period he is Disabled, but has not commenced retirement
      benefit payments under the Plan, at the rate in effect for such Grandfathered
      Participant immediately prior to the date he became Disabled, adjusted as
      provided in the preceding paragraph to reflect full-time
      employment.

    

    
      	
              (i)

            	
              A
                Participant's "Beneficiary"
                means any beneficiary who is entitled to receive a benefit under
                the Plan
                upon the death of the Participant.

            

    

    

    
      	
              (j)

            	
              A
                "Break
                in Service"
                with respect to any Employee means any Service Computation Period
                during
                which he completes fewer than 501 Hours of Service, except that no
                Employee shall incur a Break in Service solely by reason of temporary
                absence from work not exceeding 12 months resulting from illness,
                layoff,
                or other cause if authorized in advance by an Employer pursuant to
                its
                uniform leave policy, if his employment is not otherwise terminated
                during
                the period of such absence.

            

    

    

    
      	
              (k)

            	
              A
                "Cash
                Balance Account"
                means the account maintained for a Cash Balance Participant that
                includes
                his Opening Account Balance, determined as provided in Section 5.6,
                any
                Service Credits credited to his account as provided in Section 5.8,
                and
                the Interest Credits credited to his account as provided in Section
                5.7.

            

    

    

    
      	
              (l)

            	
              A
                "Cash
                Balance Participant"
                means a Participant who is an Active Participant on or after April
                1, 2002
                and who is not a Grandfathered
                Participant.

            

    

    

    
      	
              (m)

            	
              The
                "Code"
                means the Internal Revenue Code of 1986, as amended from time to
                time.
                Reference to a Code section shall include (i) such section and any
                comparable section or sections of any future legislation that amends,
                supplements, or supersedes such section and (ii) all rulings,
                regulations, notices, announcements, and other pronouncements issued
                by
                the U.S. Treasury Department, the Internal Revenue Service, and any
                court
                of competent jurisdiction that relate to such
                section.

            

    

    

    
      	
              (n)

            	
              A
                Participant's "Credited
                Service"
                means his period of service for purposes of determining the amount
                of any
                benefit for which he is eligible under the Plan, as computed in accordance
                with the provisions of Article III.

            

    

    

    
      	
              (o)

            	
              "Disabled"
                means a Grandfathered Participant can no longer continue in the service
                of
                his employer because of a mental or physical condition that is likely
                to
                result in death or is expected to continue for a period of at least
                six
                months. A Grandfathered Participant shall be considered Disabled
                only if
                (i) he has completed at least ten years of Service at the time his
                active
                service ceases and (ii) he is eligible to receive a disability benefit
                under the terms of the Social Security
                Act.

            

    

     

     

    
      
        
        

      

      
        4

        
          

        

      

      
        
        

      

    

    
 

    
      	
              (p)

            	
              The
                "Earnings"
                of a Participant for any Earnings Computation Period means the wages
                as
                defined in Code Section 3401(a), determined without regard to any
                rules
                that limit compensation included in wages based on the nature or
                location
                of the employment or services performed, and all other payments made
                to
                him for such Earnings Computation Period for services as an Employee
                for
                which his Employer is required to furnish the Participant a written
                statement under Code Sections 6041(d) and 6051(a)(3) (commonly referred
                to
                as W-2 earnings).

            

    

    

    In
      addition to the foregoing, Earnings include any amount that would have been
      included in the foregoing description, but for the Participant's election to
      defer payment of such amount under Code Section 125, 402(e)(3), 402(h)(1)(B),
      403(b), or 457(b) and certain contributions described in Code Section 414(h)(2)
      that are picked up by the employing unit and treated as employer
      contributions.

    

    In
      no
      event, however, shall the Earnings of a Participant taken into account under
      the
      Plan for any Earnings Computation Period exceed (1) $200,000 for Earnings
      Computation Periods beginning before January 1, 1994, or (2) $150,000 for
      Earnings Computation Periods beginning on or after January 1, 1994. The
      limitations set forth in the preceding sentence shall be subject to adjustment
      annually as provided in Code Section 401(a)(17)(B) and Code Section 415(d);
      provided, however, that the dollar increase in effect on January 1 of any
      calendar year, if any, is effective for Earnings Computation Periods beginning
      in such calendar year.

    

    Notwithstanding
      the provisions of the preceding paragraph, effective for Plan Years beginning
      on
      and after January 1, 2002, the annual Earnings of each Participant, who is
      credited with an hour of service on or after January 1, 2002, to be taken into
      account in determining benefit accruals shall be subject to the following limits
      (rather than the limits described above):

    

    
      	 	
              (1)

            	
              with
                respect to any Earnings Computation Period beginning on and after
                January
                1, 2002, annual Earnings shall not exceed $200,000 (adjusted for
                cost-of-living increases in accordance with Code Section 401(a)(17)(B)).
                The cost-of-living adjustment in effect for a calendar year applies
                to
                annual Earnings for the Earnings Computation Period that begins with
                or
                within such calendar year.

            

    

    

    
      	 	
              (2)

            	
              with
                respect to any Earnings Computation Period beginning prior to January
                1,
                2002, annual Earnings shall be limited to
                $200,000.

            

    

    

    Earnings
      received by a Participant during the Freeze Period shall be included in his
      Earnings for the 2002 Earnings Computation Period only if such Participant
      was
      actively employed as an Employee on April 1, 2002.

     

     

    
      
        
        

      

      
        5

        
          

        

      

      
        
        

      

    

     

    
 

    
      	
              (q)

            	
              An
                "Earnings
                Computation Period"
                means each calendar year.

            

    

    

    
      	
              (r)

            	
              An
                "Employee"
                means any employee of an Employer.

            

    

    

    Notwithstanding
      the foregoing, the term "Employee" shall not include the following:

    

    
      	 	
              (1)

            	
              any
                nonresident alien who does not receive United States source
                income.

            

    

    

    
      	 	
              (2)

            	
              any
                person covered by a collective bargaining agreement between employee
                representatives and the Employer.

            

    

    

    Any
      "leased employee," other than an excludable leased employee, shall be treated
      as
      an employee of an Employer or any other Affiliated Company for all purposes
      of
      the Plan, including benefit accrual; provided, however, that contributions
      to a
      qualified plan made on behalf of a leased employee by the leasing organization
      that are attributable to services for the Employer shall be treated as having
      been made by the Employer and there shall be no duplication of benefits under
      this Plan.

    

    A
      "leased
      employee" means any person who performs services for an Employer or an
      Affiliated Company (the "recipient") (other than an employee of the recipient)
      pursuant to an agreement between the recipient and any other person (the
      "leasing organization") on a substantially full-time basis for a period of
      at
      least one year, provided that such services are performed under the primary
      direction or control of the recipient. An "excludable leased employee" means
      any
      leased employee of the recipient who is covered by a money purchase pension
      plan
      maintained by the leasing organization which provides for (i) a
      nonintegrated employer contribution on behalf of each participant in the plan
      equal to at least ten percent of compensation, (ii) full and immediate
      vesting, and (iii) immediate participation by employees of the leasing
      organization (other than employees who perform substantially all of their
      services for the leasing organization or whose compensation from the leasing
      organization in each plan year during the four-year period ending with the
      plan
      year is less than $1,000); provided, however, that leased employees do not
      constitute more than 20 percent of the recipient's nonhighly compensated work
      force. For purposes of this Section, contributions or benefits provided to
      a
      leased employee by the leasing organization that are attributable to services
      performed for the recipient shall be treated as provided by the
      recipient.

    

    
      	
              (s)

            	
              An
                "Employer"
                means the Sponsor and any entity which has adopted the Plan as may
                be
                provided under Article XV.

            

    

    

    
      	
              (t)

            	
              An
                "Entry
                Date"
                means each day of the Plan Year. 

            

    

    

    
      	
              (u)

            	
              "ERISA"
                means the Employee Retirement Income Security Act of 1974, as amended
                from
                time to time. Reference to a section of ERISA shall include such
                section
                and any 

            

    

     

     

    
      
        
        

      

      
        6

        
          

        

      

      
        
        

      

    

     

     

    
      
        	
                 

              	
                comparable
                  section or sections of any future legislation that amends, supplements,
                  or
                  supersedes such section.

              

      

       

    

    
      	
              (v)

            	
              The
                "Freeze
                Period"
                means the period beginning January 2, 2002 and ending on the close
                of
                business March 31, 2002.

            

    

    

    
      	
              (w)

            	
              A
                Cash Balance Participant's "Frozen
                Accrued Benefit"
                means his benefit accrued as of January 1, 2002 under the terms of
                the
                Plan in effect on that date. 

            

    

    

    
      	
              (x)

            	
              The
                "Funding
                Agent"
                means the person or persons which at the time shall be designated,
                qualified, and acting under the Funding Agreement and shall include
                (i) any trustee for a trust established pursuant to the Funding
                Agreement, (ii) any insurance company that issues an annuity or
                insurance contract pursuant to the Funding Agreement, or (iii) any
                person holding assets in a custodial account pursuant to the Funding
                Agreement. The Sponsor may designate a person or persons other than
                the
                Funding Agent to perform any responsibilities of the Funding Agent
                under
                the Plan, other than trustee responsibilities as defined in ERISA
                Section
                405(c)(3), and the Funding Agent shall not be liable for the performance
                of such person in carrying out such responsibilities except as otherwise
                provided by ERISA. The term Funding Agent shall include any delegate
                of
                the Funding Agent as may be provided in the Funding
                Agreement.

            

    

    

    
      	
              (y)

            	
              The
                "Funding
                Agreement"
                means the agreement entered into between the Sponsor and the Funding
                Agent
                relating to the holding, investment, and reinvestment of the assets
                of the
                Plan, together with all amendments thereto and shall include any
                agreement
                establishing a trust, a custodial account, an annuity contract, or
                an
                insurance contract (other than a life, health or accident, property,
                casualty, or liability insurance contract) for the investment of
                assets;
                provided, however, that any custodial account or contract established
                hereunder meets the requirements of Code Section
                401(f).

            

    

    

    
      	
              (z)

            	
              A
                "Grandfathered
                Participant"
                means any Participant who was born prior to January 1, 1952, was
                hired by
                an Employer prior to January 1, 1997, and was an active Employee
                on April
                1, 2002.

            

    

    

    
      	
              (aa)

            	
              A
                "Highly
                Compensated Employee"
                means any Employee or former Employee who is a highly compensated
                active
                employee or a highly compensated former employee as defined
                hereunder.

            

    

    

    A
      "highly
      compensated active employee" includes any Employee who performs services for
      an
      Employer or any Affiliated Company during the Plan Year and who (i) was a
      five percent owner at any time during the Plan Year or the look back year or
      (ii) received compensation from the Employers and Affiliated Companies
      during the look back year in excess of $80,000 (subject to adjustment annually
      at the same time and in the same 

     

     

    
      
        
        

      

      
        7

        
          

        

      

      
        
        

      

    

    
       

      manner
        as
        under Code Section 415(d)). The dollar amount in (ii) shall be pro-rated
        for any Plan Year of fewer than 12 months.

       

      A
        "highly
        compensated former employee" includes any Employee who (i) separated from
        service from an Employer and all Affiliated Companies (or is deemed to have
        separated from service from an Employer and all Affiliated Companies) prior
        to
        the Plan Year, (ii) performed no services for an Employer or any Affiliated
        Company during the Plan Year, and (iii) for either the separation year or
        any Plan Year ending on or after the date the Employee attains age 55, was
        a
        highly compensated active employee, as determined under the rules in effect
        under Code Section 414(q) for such year.

    

    

    The
      determination of who is a Highly Compensated Employee hereunder shall be made
      in
      accordance with the provisions of Code Section 414(q) and regulations issued
      thereunder.

    

    For
      purposes of this definition, the following terms have the following
      meanings:

    

    
      	 	
              (1)

            	
              An
                employee's "compensation" means compensation as defined in Code Section
                415(c)(3) and regulations issued
                thereunder.

            

    

    

    
      	 	
              (2)

            	
              The
                "look back year" means the 12-month period immediately preceding
                the Plan
                Year.

            

    

    

    
      	
              (bb)

            	
              An
                "Hour
                of Service"
                with respect to any Employee means an hour which is determined and
                credited as such in accordance with the provisions of
                Article II.

            

    

    

    
      	
              (cc)

            	
              An
                "Interest
                Credit"
                means the amount credited to a Cash Balance Participant's Cash Balance
                Account each Plan Year as provided in Section 5.8 of the
                Plan.

            

    

    

    
      	
              (dd)

            	
              A
                Participant's "Normal
                Retirement Date"
                means, for purposes of benefit eligibility, the date he attains age
                65 and
                for all other purposes, the first day of the month coinciding with
                or
                immediately following such date.

            

    

    

    
      	
              (ee)

            	
              A
                Cash Balance Participant's "Opening
                Balance"
                means the initial amount, if any, credited to his Cash Balance Account
                upon the conversion of the Plan to a cash balance plan as of April
                1,
                2002.

            

    

    

    
      	
              (ff)

            	
              A
                "Participant"
                means any person who becomes eligible to participate in the Plan
                in
                accordance with the provisions of Article IV and who retains an
                Accrued Benefit under the Plan. The term Participant includes both
                Cash
                Balance Participants and Grandfathered
                Participants.

            

    

     

     

    
      
        
        

      

      
        8

        
          

        

      

      
        
        

      

    

    
 

    
      	
              (gg)

            	
              The
                "Pension
                Fund"
                means the fund or funds maintained under the Funding Agreement for
                purposes of accumulating contributions made by the Employers and
                paying
                benefits under the Plan.

            

    

    

    
      	
              (hh)

            	
              The
                "Plan"
                means this Weingarten Realty Retirement Plan, established effective
                May
                24, 1980, as amended and restated by this instrument, with all amendments,
                modifications, and supplements hereafter
                made.

            

    

    

    
      	
              (ii)

            	
              A
                "Plan
                Year"
                means the following: (i) for periods prior to December 1, 1992, the
                12-consecutive-month period ending each November 30; (ii) the period
                beginning December 1, 1992 and ending December 31, 1992; and (iii)
                each
                12-consecutive-month period ending December 31
                thereafter.

            

    

    

    
      	
              (jj)

            	
              A
                "Qualified
                Joint and Survivor Annuity"
                is an immediate annuity payable to the Participant for his life with
                a
                survivor benefit payable upon the death of the Participant to the
                Participant's Spouse (determined as of his Annuity Starting Date)
                for the
                remainder of such Spouse's lifetime. The amount of the survivor benefit
                payable under a Qualified Joint and Survivor Annuity shall be equal
                to at
                least 50 percent of the amount the Participant was receiving on his
                date
                of death.

            

    

    

    
      	
              (kk)

            	
              A
                "Qualified
                Preretirement Survivor Annuity"
                is an annuity payable to the surviving Spouse of a Participant for
                such
                Spouse's life as provided in Article
                X.

            

    

    

    
      	
              (ll)

            	
              A
                Participant's "Required
                Beginning Date"
                means the April 1 following the calendar year in which occurs the
                later of
                the Participant's (i) attainment of age 70 1/2 or (ii) the date
                the Participant retires; provided, however, that clause (ii) shall
                not apply to a Participant who is a five percent owner, as defined
                in Code
                Section 416(i), with respect to the Plan Year ending with or within
                the
                calendar year in which the Participant attains age 70 1/2. The
                Required Beginning Date of a Participant who is a five percent owner
                hereunder shall not be redetermined if the Participant ceases to
                be a five
                percent owner with respect to any subsequent Plan
                Year.

            

    

    

    
      	
              (mm)

            	
              A
                Participant's "Service"
                means his period of service for purposes of determining his eligibility
                for a benefit under the Plan, as computed in accordance with the
                provisions of Article III.

            

    

    

    
      	
              (nn)

            	
              A
                "Service
                Computation Period"
                means the 12-month period used for determining an Employee's years
                of
                Service and years of Credited
                Service.

            

    

    

    The
      Service Computation Period for determining an Employee's years of Service and
      years of Credited Service is the Plan Year.

    

    
      	
              (oo)

            	
              A
                "Service
                Credit"
                means the amount credited to the Cash Balance Account of any Cash
                

            

    

     

     

    
      
        
        

      

      
        9

        
          

        

      

      
        
        

      

    

     

    
      

      
        	
                 

              	
                Balance
                  Participant who accrues Credited Service for the Plan Year, determined
                  as
                  provided in Section 5.8 of the
                  Plan.

              

      

    
      	
              (pp)

            	
              A
                Grandfathered Participant's "Social
                Security Benefit"
                means the amount that would be payable to the Grandfathered Participant
                at
                Social Security normal retirement age as a monthly old age benefit
                for the
                Grandfathered Participant under the Federal Social Security Act (exclusive
                of benefits for the Grandfathered Participant's relatives or dependents),
                whether or not payment is actually made because such amount is delayed,
                suspended, or forfeited because of failure to apply, other work,
                or any
                other reason. For purposes of determining a Grandfathered Participant's
                Social Security Benefit, the Grandfathered Participant's salary history
                shall be estimated applying a salary scale, projected backwards,
                to the
                Grandfathered Participant's earnings at termination of employment,
                retirement, or, if the Grandfathered Participant continues employment
                after his Normal Retirement Date, Normal Retirement Date, as applicable,
                unless the Grandfathered Participant provides the Administrator with
                his
                actual earnings history within a reasonable period of time following
                notification of his right to provide such history and the consequences
                of
                failing to do so. If the Grandfathered Participant provides his actual
                earnings history, such history shall be used for the years for which
                it is
                supplied and the projection shall be used for all years for which
                the
                history is not supplied. The salary scale used for projecting earnings
                shall be the actual change in average wages from year to year, as
                determined by the Social Security Administration. Within a reasonable
                period of time before a Grandfathered Participant's Annuity Starting
                Date,
                the Administrator shall notify the Grandfathered Participant of his
                right
                to provide his actual earnings history and the consequences of doing
                so or
                failing to do so.

            

    

    

    
      	
              (qq)

            	
              The
                "Sponsor"
                means Weingarten Realty Investors, and any successor
                thereto.

            

    

    

    
      	
              (rr)

            	
              A
                Participant's "Spouse"
                means the person who is the Participant's lawful
                spouse.

            

    

    

    
      	
              1.2

            	
              Construction 

            

    

    

    Where
      required by the context, the noun, verb, adjective, and adverb forms of each
      defined term shall include any of its other forms. Wherever used herein, the
      masculine pronoun shall include the feminine, the singular shall include the
      plural, and the plural shall include the singular.

    

    
      
        
        

      

      
        10

        
          

        

      

      
        
        

        
        

      

    

    ARTICLE
      II

    HOURS
      OF SERVICE

    

    

    
      	
              2.1

            	
              Crediting
                of Hours of Service 

            

    

    

    An
      Employee shall be credited with an Hour of Service under the Plan
      for:

    

    
      	
              (a)

            	
              Each
                hour for which he is paid, or entitled to payment, for the performance
                of
                duties for an Employer as an Employee; provided, however, that hours
                paid
                for at a premium rate shall be treated as straight-time
                hours.

            

    

    

    
      	
              (b)

            	
              Each
                hour for which he is paid, or entitled to payment, by an Employer
                on
                account of a period of time during which no duties as an Employee
                are
                performed (irrespective of whether he remains an Employee) due to
                vacation, holiday, illness, incapacity (including disability), layoff,
                jury duty, military duty, or leave of absence, up to a maximum of
                eight
                hours per day and 40 hours per week; provided, however, that no more
                than
                501 Hours of Service shall be credited to an Employee on account
                of any
                single continuous period during which he performs no duties (whether
                or
                not such period occurs in a single Service Computation Period); provided,
                further, that no Hours of Service shall be credited for payment which
                is
                made or due under a program maintained solely for the purpose of
                complying
                with applicable Workers' Compensation, unemployment compensation,
                or
                disability insurance laws; and provided, further, that no Hours of
                Service
                shall be credited to an Employee for payment which is made or due
                solely
                as reimbursement for medical or medically related expenses incurred
                by
                him.

            

    

    

    
      	
              (c)

            	
              Each
                hour for which back pay, irrespective of mitigation of damages, is
                either
                awarded or agreed to by an Employer; provided, however, that the
                crediting
                of Hours of Service for back pay awarded or agreed to with respect
                to
                periods of employment or absence from employment described in any
                other
                paragraph of this Section shall be subject to the limitations set
                forth
                therein and, if applicable, in
                Section 2.4.

            

    

    

    
      	
              (d)

            	
              With
                respect only to an Employee who is a Grandfathered Participant, each
                hour
                for which he would have been scheduled to work for an Employer during
                the
                period of time he is absent from work because of Disability, determined
                based on the work schedule in effect for such Employee immediately
                prior
                to the date he became Disabled; provided, however, that Hours of
                Service
                shall be credited hereunder only until the earlier of the Employee's
                Annuity Starting Date or his Normal Retirement
                Date.

            

    

    

    
      	
              (e)

            	
              Each
                hour for which he would have been scheduled to work for an Employer
                during
                the period of time that he is absent from work because of service
                with the
                armed forces of the United States, up to a maximum of eight hours
                per day
                and 40 hours per week, but only if he is eligible for reemployment
                rights
                under the Uniformed Services Employment and

            

    

     

     

    
      
        
        

      

      
        11

        
          

        

      

      
        
        

      

    

     

    
      

      
        	
                 

              	
                Reemployment
                  Rights Act of 1994 and he returns to work with an Employer within
                  the
                  period during which he retains such reemployment
                  rights.

              

      

       

    

    
      	
              (f)

            	
              Solely
                for purposes of determining whether he has incurred a Break in Service,
                each hour for which he would have been scheduled to work for an Employer
                during the period of time that he is absent from work because of
                the birth
                of a child, pregnancy, the adoption of a child, or the caring for
                a child
                for the period beginning following the birth or adoption of such
                child, up
                to a maximum of eight hours per day and 40 hours per week so that,
                when
                added to Hours of Service credited under any other paragraph of this
                Section, he shall be credited with not fewer than 501 total Hours
                of
                Service under the Plan for the Service Computation Period in which
                his
                absence commenced or the immediately following Service Computation
                Period;
                provided, however, that he shall be credited with Hours of Service
                under
                this paragraph for the Service Computation Period in which his absence
                from employment commenced only if necessary to prevent a Break in
                Service;
                and provided, further, that he shall be credited with Hours of Service
                under this paragraph for the Service Computation Period immediately
                following the Service Computation Period in which his absence from
                employment commenced only if he is not credited with Hours of Service
                under this paragraph for the Service Computation Period in which
                his
                absence from employment commenced.

            

    

    

    
      	
              (g)

            	
              Solely
                for purposes of determining whether he has incurred a Break in Service,
                each hour for which he would be scheduled to work for an Employer
                during
                the period of time that he is absent from work on an approved leave
                of
                absence pursuant to the Family and Medical Leave Act of 1993; provided,
                however, that Hours of Service shall not be credited to an Employee
                under
                this paragraph if the Employee fails to return to employment with
                an
                Employer following such leave.

            

    

    

    Notwithstanding
      anything to the contrary contained in this Section, no more than one Hour of
      Service shall be credited to an Employee for any one hour of his employment
      or
      absence from employment.

    

    
      	
              2.2

            	
              Hours
                of Service Equivalencies 

            

    

    

    Notwithstanding
      any other provision of the Plan to the contrary, an Employer may elect to credit
      Hours of Service to its Employees in accordance with one or more of the
      following equivalencies, and if an Employer does not maintain records that
      accurately reflect actual hours of service, such Employer shall credit Hours
      of
      Service to its Employee in accordance with one or more of the following
      equivalencies:

    

    
      	
              (a)

            	
              If
                the Employer maintains its records on the basis of days worked, an
                Employee shall be credited with ten Hours of Service for each day
                on which
                he performs an Hour of Service.

            

    

     

     

    
      
        
        

      

      
        12

        
          

        

      

      
        
        

      

    

    
 

    
      	
              (b)

            	
              If
                the Employer maintains its records on the basis of weeks worked,
                an
                Employee shall be credited with 45 Hours of Service for each week
                in which
                he performs an Hour of Service.

            

    

    

    
      	
              (c)

            	
              If
                the Employer maintains its records on the basis of semi-monthly payroll
                periods, an Employee shall be credited with 95 Hours of Service for
                each
                semi-monthly payroll period in which he performs an Hour of
                Service.

            

    

    

    
      	
              (d)

            	
              If
                the Employer maintains its records on the basis of months worked,
                an
                Employee shall be credited with 190 Hours of Service for each month
                in
                which he performs an Hour of
                Service.

            

    

    

    
      	
              2.3

            	
              Determination
                of Non-Duty Hours of Service 

            

    

    

    In
      the
      case of a payment which is made or due from an Employer on account of a period
      during which an Employee performs no duties, and which results in the crediting
      of Hours of Service, or in the case of an award or agreement for back pay,
      to
      the extent that such award or agreement is made with respect to a period during
      which an Employee performs no duties, the number of Hours of Service to be
      credited shall be determined as follows:

    

    
      	
              (a)

            	
              In
                the case of a payment made or due which is calculated on the basis
                of
                units of time, such as hours, days, weeks, or months, the number
                of Hours
                of Service to be credited shall be the number of regularly scheduled
                working hours included in the units of time on the basis of which
                the
                payment is calculated.

            

    

    

    
      	
              (b)

            	
              In
                the case of a payment made or due which is not calculated on the
                basis of
                units of time, the number of Hours of Service to be credited shall
                be
                equal to the amount of the payment divided by the Employee's most
                recent
                hourly rate of compensation immediately prior to the period to which
                the
                payment relates.

            

    

    

    
      	
              (c)

            	
              Notwithstanding
                the provisions of paragraphs (a) and (b), no Employee shall be
                credited on account of a period during which no duties are performed
                with
                a number of Hours of Service that is greater than the number of regularly
                scheduled working hours during such
                period.

            

    

    

    
      	
              (d)

            	
              If
                an Employee is without a regular work schedule, the number of "regularly
                scheduled working hours" shall mean the average number of hours worked
                by
                Employees in the same job classification during the period to which
                the
                payment relates, or if there are no other Employees in the same job
                classification, the average number of hours worked by the Employee
                during
                an equivalent, representative
                period.

            

    

    

    For
      the
      purpose of crediting Hours of Service for a period during which an Employee
      performs no duties, a payment shall be deemed to be made by or due from an
      Employer (i) regardless of whether such payment is made by or due from an
      Employer directly, or indirectly through 

     

    
      
        
        

      

      
        13

        
          

        

      

      
        
        

      

    

     

    (among
      others) a trust fund or insurer to which the
      Employer contributes or pays premiums, and (ii) regardless of whether
      contributions made or due to such trust fund, insurer, or other entity are
      for
      the benefit of particular persons or are on behalf of a group of persons in
      the
      aggregate.

    

    
      	
              2.4

            	
              Allocation
                of Hours of Service to Service Computation Periods 

            

    

    

    Hours
      of
      Service credited under Section 2.1 shall be allocated to the appropriate
      Service Computation Period as follows:

    

    
      	
              (a)

            	
              Hours
                of Service described in paragraph (a) of Section 2.1 shall be
                allocated to the Service Computation Period in which the duties are
                performed.

            

    

    

    
      	
              (b)

            	
              Hours
                of Service credited to an Employee for a period during which an Employee
                performs no duties shall be allocated as
                follows:

            

    

    

    
      	 	
              (1)

            	
              Hours
                of Service credited to an Employee on account of a payment which
                is
                calculated on the basis of units of time, such as hours, days, weeks,
                or
                months, shall be allocated to the Service Computation Period or Periods
                in
                which the period during which no duties are performed occurs, beginning
                with the first unit of time to which the payment
                relates.

            

    

    

    
      	 	
              (2)

            	
              Hours
                of Service credited to an Employee on account of a payment which
                is not
                calculated on the basis of units of time shall be allocated to the
                Service
                Computation Period or Periods in which the period during which no
                duties
                are performed occurs, or, if such period extends beyond one Service
                Computation Period, such Hours of Service shall be allocated equally
                between the first two such Service Computation
                Periods.

            

    

    

    
      	 	
              (3)

            	
              Hours
                of Service credited to an Employee for a period of absence during
                which
                the Employee performs no duties and for which no payment is due from
                his
                Employer shall be allocated to the Service Computation Period or
                Periods
                during which such absence occurred.

            

    

    

    
      	 	
              (4)

            	
              Hours
                of Service credited to an Employee because of an award or agreement
                for
                back pay shall be allocated to the Service Computation Period or
                Periods
                to which the award or agreement for back pay pertains, rather than
                to the
                Service Computation Period in which the award, agreement, or payment
                is
                made.

            

    

    

    
      	
              2.5

            	
              Department
                of Labor Rules 

            

    

    

    The
      rules
      set forth in paragraphs (b) and (c) of Department of Labor Regulation
      Section 2530.200b-2, which relate to determining Hours of Service attributable
      to reasons other than the performance of duties and crediting Hours of Service
      to Service Computation Periods, are hereby incorporated into the Plan by
      reference.

    

    
      
        
        

      

      
        14

        
          

        

      

      
        
        

        
        

      

    

    ARTICLE
      III

    SERVICE
      & CREDITED SERVICE

    

    

    
      	
              3.1

            	
              Service
                and Credited Service Prior to January 1, 2002 

            

    

    

    Each
      person who is an Employee on or after April 1, 2002, shall be credited with
      Service and Credited Service for purposes of the Plan for periods prior to
      January 1, 2002 equal to the Service and Credited Service with which he had
      been
      credited in accordance with the Plan provisions in effect immediately prior
      to
      such date.

    

    
      	
              3.2

            	
              Service
                and Credited Service On or After January 1,
                2002

            

    

    

    Each
      person who is an Employee on or after April 1, 2002, shall be credited with
      Service and Credited Service with respect to periods of employment on or after
      January 1, 2002, for purposes of the Plan as follows:

    

    
      	
              (a)

            	
              He
                shall be credited with a year of Service for each Service Computation
                Period for which he is credited with at least 1,000 Hours of
                Service.

            

    

    

    
      	
              (b)

            	
              Subject
                to any limitations set forth in Article V, he shall be credited with
                a
                year of Credited Service for each Service Computation Period for
                which he
                is credited with at least 2080 Hours of Service; provided, however,
                that
                he shall be credited with a partial year of Credited Service in the
                ratio
                that his Hours of Service for the Service Computation Period bears
                to
                2080.

            

    

    

    
      	
              (c)

            	
              Notwithstanding
                the foregoing, no Credited Service shall be credited to an Employee
                for
                the following periods:

            

    

    

    
      	 	
              (1)

            	
              periods
                before his attainment of age 21.

            

    

    

    (2) the
      Freeze Period, unless the Employee was an active Employee on April 1,
      2002.

    

    
      	
              3.3

            	
              Transfers 

            

    

    

    Notwithstanding
      the foregoing, Service and Credited Service credited to a person shall be
      subject to the following:

    

    
      	
              (a)

            	
              Any
                person who transfers or retransfers to employment with an Employer
                as an
                Employee directly from other employment (i) with an Employer in a
                capacity other than as an Employee or (ii) with any other Affiliated
                Company, shall be credited with Service, but not Credited Service,
                for
                such other employment as if such other employment were employment
                with an
                Employer as an Employee.

            

    

     

     

    
      
        
        

      

      
        15

        
          

        

      

      
        
        

      

    

    
 

    
      	
              (b)

            	
              Any
                person who transfers from employment with an Employer as an Employee
                directly to other employment (i) with an Employer in a capacity other
                than as an Employee or (ii) with any other Affiliated Company, shall
                be deemed by such transfer not to lose his Service or Credited Service,
                and shall be deemed not to retire or otherwise terminate his employment
                as
                an Employee until such time as he is no longer in the employment
                of an
                Employer or any other Affiliated Company, at which time he shall
                become
                entitled to benefits if he is otherwise eligible therefore under
                the
                provisions of the Plan; provided, however, that up to such time he
                shall
                receive credit only for Service, but not for Credited Service, for
                such
                other employment as if such other employment were employment with
                an
                Employer as an Employee.

            

    

    

    
      	
              3.4

            	
              Retirement
                or Termination and Reemployment 

            

    

    

    If
      an
      Employee retires or otherwise terminates employment with the Employers and
      all
      Affiliated Companies, his eligibility for and the amount of any benefit to
      which
      he may be entitled under the Plan shall be determined based upon the Service
      and
      Credited Service with which he is credited at the time of such retirement or
      other termination of employment. If such retired or former Employee is
      reemployed by an Employer or any Affiliated Company, the Service and Credited
      Service with which he was credited at the time of such prior retirement or
      other
      termination of employment shall be aggregated with the Service and Credited
      Service with which he is credited following his reemployment for purposes of
      determining his eligibility for and the amount of any benefit to which he may
      be
      entitled under the Plan upon his subsequent retirement or other termination
      of
      employment if:

    

    
      	
              (a)
                

            	
              he
                was eligible for any retirement benefit at the time of his previous
                retirement or other termination of employment;
                or

            

    

    

    
      	
              (b)

            	
              he
                terminated his employment before satisfying the conditions of eligibility
                for any retirement benefit under the Plan and either (i) the
                aggregate number of his years of Service (not including any years
                of
                Service not required to be aggregated because of previous Breaks
                in
                Service) is greater than the number of his consecutive one-year Breaks
                in
                Service or (ii) the number of his consecutive one-year Breaks in
                Service is less than five.

            

    

    

    Notwithstanding
      any other provision of this Section, if a retired or former Employee returns
      to
      employment in a capacity other than as an Employee, his period of employment
      shall be treated for the purposes of the Plan solely in accordance with the
      transfer provisions of this Article III.

    

    
      	
              3.5

            	
              Finality
                of Determinations 

            

    

    

    All
      determinations with respect to the crediting of Service and Credited Service
      under the Plan shall be made on the basis of the records of the Employers,
      and
      all determinations so made shall be final and conclusive upon Employees, former
      Employees, and all other persons claiming a 

     

    
 

    
      
        
        

      

      
        16

        
          

        

      

      
        
        

      

    

     

    benefit interest under the Plan. Notwithstanding anything
      to
      the contrary contained in this Article, there shall be no duplication of Service
      and Credited Service.

     

    
 

    
      
        
        

      

      
        17

        
          

        

      

      
        
        

        
        

      

    

    ARTICLE
      IV

    ELIGIBILITY
      FOR PARTICIPATION

    

    

    
      	
              4.1

            	
              Participation 

            

    

    

    Each
      Employee who was an Active Participant immediately prior to January 1, 2002,
      and
      who is an active Employee on April 1, 2002, shall become an Active Participant
      as of April 1, 2002. Each other person shall become an Active Participant as
      of
      the Entry Date coinciding with or immediately following the date he becomes
      an
      Employee.

    

    
      	
              4.2

            	
              Termination
                of Participation 

            

    

    

    A
      Participant shall remain an Active Participant as long as he continues in
      employment as an Employee. A person shall remain a Participant as long as he
      retains an Accrued Benefit under the Plan.

    

    
      	
              4.3

            	
              Participation
                Upon Reemployment

            

    

    

    If
      a
      former Employee who was a Participant hereunder is reemployed as an Employee,
      he
      shall again become an Active Participant hereunder as of his reemployment date.
      If a former Employee who was not a Participant hereunder is reemployed as an
      Employee, he shall become an Active Participant hereunder as of the later of
      (a)
      the Entry Date as of which he would have become an Active Participant if he
      had
      continued employment as an Employee or (b) his reemployment date.

    

    
      	
              4.4

            	
              Finality
                of Determinations 

            

    

    

    All
      determinations with respect to the eligibility of an Employee to become a
      Participant under the Plan shall be made on the basis of the records of the
      Employers, and all determinations so made shall be final and conclusive for
      all
      Plan purposes. Each Employee who becomes a Participant shall be entitled to
      the
      benefits, and be bound by all the terms, provisions, and conditions of the
      Plan
      and the Funding Agreement.

    

    
      
        
        

      

      
        18

        
          

        

      

      
        
        

        
        

      

    

    ARTICLE
      V

    NORMAL
      RETIREMENT

    

    

    
      	
              5.1

            	
              Eligibility 

            

    

    

    Each
      Participant who retires from employment with his Employer and all Affiliated
      Companies on his Normal Retirement Date shall be eligible for a normal
      retirement benefit. In addition, a Participant who continues in employment
      with
      his Employer or an Affiliated Company after his Normal Retirement Date shall
      be
      eligible for a normal retirement benefit commencing on his Normal Retirement
      Date.

     

    
      	
              5.2

            	
              Regular
                Benefit Amount 

            

    

    

    
      	
              (a)

            	
              An
                eligible Grandfathered Participant's monthly normal retirement benefit
                shall be equal to 1/12th of the
                following:

            

    

    

    
      	 	
              (1)

            	
              1.50
                percent of the Grandfathered Participant's Average Annual Earnings
                multiplied by his number of years of "adjusted Credited Service"
                at
                retirement not in excess of 40 years;
                minus

            

    

    

    
      	 	
              (2)

            	
              1.50
                percent of the Grandfathered Participant's Social Security Benefit
                multiplied by his number of years of "adjusted Credited Service"
                at
                retirement not in excess of 33.3 years (excluding any years of Credited
                Service credited to the Participant prior to July 1,
                1976).

            

    

    

    
      	 	
              A
                Grandfathered Participant's "adjusted Credited Service" means the
                following:

            

    

    

    
      	 	
              (3)

            	
              for
                a Grandfathered Participant who is eligible for a normal retirement
                benefit, his actual years of Credited
                Service.

            

    

    

    
      	 	
              (4)

            	
              for
                a Grandfathered Participant who is not eligible for a normal retirement
                benefit, his actual years of Credited Service plus the additional
                years of
                Credited Service the Grandfathered Participant would have at Normal
                Retirement Date if he continued in employment as an Employee to Normal
                Retirement Date.

            

    

    

    In
      calculating the retirement benefit of a Grandfathered Participant whose
      employment as an Employee has not continued to Normal Retirement Date, the
      amount determined under paragraph (1) and (2) above shall be separately
      multiplied by a fraction, not to exceed one, the numerator of which is the
      Grandfathered Participant's actual years of Credited Service and the denominator
      of which is the number of years of Credited Service the Grandfathered
      Participant would have at Normal Retirement Date if he continued employment
      as
      an Employee to Normal Retirement Date, excluding years of Credited Service
      in
      excess of the limit specified in paragraph (1) or (2), as applicable, and

     

     

    
      
        
        

      

      
        19

        
          

        

      

      
        
        

      

    

     

    excluding
      for purposes of paragraph (2), years of
      Credited Service credited to the Participant prior to July 1, 1976.

    

    In
      no
      event will a reduction in a Grandfathered Participant's Average Annual Earnings
      or an increase in his Social Security Benefit reduce the normal retirement
      benefit payable to him below the amount that would have been payable to him
      under the same form of payment had he retired prior to his Normal Retirement
      Date when eligible for an early retirement benefit.

    

    
      	
              (b)

            	
              An
                eligible Cash Balance Participant's normal retirement benefit shall
                be
                equal 1/12th of the greater of:

            

    

    

    
      	 	
              (1)

            	
              the
                annual Participant's Frozen Accrued Benefit, as described in Section
                1.1(w); or

            

    

    

    
      	 	
              (2)

            	
              the
                annual amount of normal retirement benefit payable to the Participant
                commencing on his Normal Retirement Date (or his Annuity Starting
                Date, if
                later) that is the Actuarial Equivalent of his Cash Balance
                Account.

            

    

    

    
      	
              5.3

            	
              Minimum
                Benefit Amount

            

    

    

    Notwithstanding
      any other provision of the Plan to the contrary, in no event will the monthly
      normal retirement benefit payable to a Grandfathered Participant be less than
      1/12th of the product of:

    

    
      	
              (1)

            	
              two
                percent of his average annual Earnings during his five consecutive
                highest
                paid years of Service multiplied by

            

    

    

    
      	
              (2)

            	
              his
                years of Credited Service at retirement not in excess of ten
                years.

            

    

    

    
      	
              5.4

            	
              401(a)(17)
                Fresh Start Adjustments 

            

    

    

    The
      monthly normal retirement benefit of a Grandfathered Participant whose Earnings
      exceeded the $200,000 or $150,000 Earnings limitations described in
      Article I for Earnings Computation Periods ending before the Earnings
      Computation Periods in which the limitations were effective shall be the
      greatest of (a), (b), (c) or (d) below:

    

    
      	
              (a)

            	
              the
                Grandfathered Participant's Accrued Benefit determined as of the
                end of
                the 1988 Earnings Computation Period, using the Plan formula in effect
                on
                that date (without regard to any amendments made after that date),
                as if
                the Grandfathered Participant terminated employment on that
                date;

            

    

     

     

    
      
        
        

      

      
        20

        
          

        

      

      
        
        

      

    

    
 

    
      	
              (b)

            	
              the
                Grandfathered Participant's Accrued Benefit determined under the
                Plan
                formula in effect after the 1993 Earnings Computation Period applying
                the
                $150,000 Earnings limitation; or

            

    

    

    
      	
              (c)

            	
              the
                sum of (i) the Grandfathered Participant's Accrued Benefit determined
                as of the end of the 1993 Earnings Computation Period, using the
                Plan
                formula in effect on that date (without regard to any amendments
                made
                after that date), as if the Grandfathered Participant terminated
                employment on that date; plus (ii) the Grandfathered Participant's
                Accrued Benefit under the Plan formula as amended to comply with
                the
                $150,000 Earnings limitation, taking into account only the Grandfathered
                Participant's years of Credited Service for Earnings Computation
                Periods
                beginning on or after January 1, 1994;
                or

            

    

    

    
      	
              (d)

            	
              the
                Grandfathered Participant's Accrued Benefit determined under the
                Plan
                formula in effect on December 31, 2001, applying the $200,000 Earnings
                limitation.

            

    

    

    
      	
              5.5

            	
              Payment 

            

    

    

    A
      monthly
      normal retirement benefit shall be paid to an eligible Participant commencing
      as
      of his Normal Retirement Date.

    

    
      	
              5.6

            	
              Opening
                Balance

            

    

    

    The
      Opening Balance of a Cash Balance Participant who was an Active Participant
      in
      the Plan on January 1, 2002 and was an active Employee on April 1, 2002 is
      the
      Actuarially Equivalent present value of his Frozen Accrued Benefit determined
      as
      of January 1, 2002. For purposes of determining such present value, the
      following factors shall be used: (a) the 1983 Group Annuity Mortality Table
      adjusted for 50 percent male content and 50 percent female content and (b)
      an
      interest rate of six percent and the calculation shall be based on a deferred
      annuity payable at Normal Retirement Date.

    

    The
      Opening Balance of any other Cash Balance Participant is zero.

    

    
      	
              5.7

            	
              Interest
                Credits

            

    

    

    On
      the
      last day of each Plan Year beginning on or after January 1, 2002, an Interest
      Credit shall be credited to the Cash Balance Account of a Participant whose
      Annuity Starting Date has not occurred. The Interest Credit rate shall be equal
      to the annual rate of interest on ten-year U.S. Treasury Bill Constant
      Maturities in effect for the third calendar month immediately preceding the
      Plan
      Year. The Interest Credit shall be based on the value of a Participant's Cash
      Balance Account on the first day of the Plan Year. The Interest Credit for
      the
      Plan Year in which a Participant's Annuity Starting Date occurs shall be
      credited to the Participant's Cash Balance Account as of the last day of the
      calendar month preceding the month in which the Participant's 

     

    
      
        
        

      

      
        21

        
          

        

      

      
        
        

      

    

     

    Annuity
      Starting Date occurs and shall accrue only
      through such day. No further Interest Credits shall be credited to a
      Participant's Cash Balance Account following his Annuity Starting
      Date.

    
 

    The
      Interest Credit on a Cash Balance Participant's Cash Balance Account for the
      2002 Plan Year shall be based on the Participant's Opening Balance and interest
      on that balance for the full calendar year, including the Freeze
      Period.

    

    
      	
              5.8

            	
              Service
                Credits

            

    

    

    For
      each
      Plan Year beginning on or after January 1, 2002, a Service Credit shall be
      credited to the Cash Balance Account of any Cash Balance Participant who is
      an
      Active Participant at any time during such Plan Year. The amount of such Service
      Credit shall be a percentage of the Cash Balance Participant's Earnings for
      the
      Plan Year determined from the following chart based on the Cash Balance
      Participant's years of Credited Service on the last day of the immediately
      preceding Plan Year:

    

    
      	
               

              Years
                of Credited Service

               

            	
               

              Percentage
                of Earnings

               

            
	
               

              0
                through 9.99

               

            	
               

              3%

               

            
	
               

              10
                through 19.99

               

            	
               

              4%

               

            
	
               

              20
                or more

               

            	
               

              5%

               

            

    

     

    
 

    
      
        
        

      

      
        22

        
          

        

      

      
        
        

      

    

    ARTICLE
      VI

    EARLY
      RETIREMENT

    

    

    
      	
              6.1

            	
              Eligibility 

            

    

    

    Each
      Participant who retires from employment with his Employer and all Affiliated
      Companies at or after age 55, but prior to his Normal Retirement Date and who
      has at least 15 years of Service and who is not eligible for a disability
      retirement benefit under the provisions of Article VIII shall be eligible for
      an
      early retirement benefit.

    

    
      	
              6.2

            	
              Amount 

            

    

    

    An
      eligible Grandfathered Participant's monthly early retirement benefit shall
      be
      equal to his Accrued Benefit on the date of his early retirement; provided,
      however, that the amount of such benefit shall be reduced by 1/15th for each
      of
      the first 60 months and 1/30th for each of the next 60 months by which his
      Annuity Starting Date precedes his Normal Retirement Date.

    

    An
      eligible Cash Balance Participant's monthly early retirement benefit shall
      be
      equal to the greater of (1) his monthly Frozen Accrued Benefit reduced by1/15th
      for each of the first 60 months and 1/30th for each of the next 60 months and
      reduced actuarially for each additional month by which his Annuity Starting
      Date
      precedes his Normal Retirement Date or (2) the monthly retirement benefit
      payable as of his Annuity Starting Date in a single life annuity, as described
      in Section 9.1(a), that is the Actuarial Equivalent of his Cash Balance
      Account.

    

    
      	
              6.3

            	
              Payment 

            

    

    

    A
      monthly
      early retirement benefit shall be paid to an eligible Participant commencing
      as
      of the first day of the month following the later of the month in which he
      retires or the month in which he makes written application for the benefit,
      but
      not later than his Normal Retirement Date. 

    

    
      
        
        

      

      
        23

        
          

        

      

      
        
        

        
        

      

    

    ARTICLE
      VII

    VESTED
      RIGHTS

    

    

    
      	
              7.1

            	
              Vesting 

            

    

    

    
      	
              (a)

            	
              A
                Grandfathered Participant's vested interest in his Accrued Benefit
                shall
                be at all times 100 percent.

            

    

    

    
      	
              (b)

            	
              A
                Cash Balance Participant's vested interest in his Accrued Benefit
                shall be
                determined in accordance with one of the following schedules, whichever
                is
                applicable, based upon the number of full years of Service credited
                to
                him.

            

    

    

    
      	 	
              (1)

            	
              Vesting
                Schedule applicable to a Cash Balance Participant whose vested interest
                in
                his Accrued Benefit was at least 20 percent as of December 31,
                2001:

            

    

    

    
      	
               

              Years
                of Service

               

            	
               

              Vested
                Interest

               

            
	
               

              less
                than 2

               

            	
               

              0%

               

            
	
               

              2,
                but less than 3

               

            	
               

              20%

               

            
	
               

              3,
                but less than 4

               

            	
               

              40%

               

            
	
               

              4,
                but less than 5

               

            	
               

              60%

               

            
	
               

              5
                or more

               

            	
               

              100%

               

            

    

    

    
      	 	
              (2)

            	
              Vesting
                Schedule applicable to a Cash Balance Participant who did not have
                a
                vested interest in his Accrued Benefit as of December 31,
                2001:

            

    

    

    
      	
               

              Years
                of Service

               

            	
               

              Vested
                Interest

               

            
	
               

              less
                than 5

               

            	
               

              0%

               

            
	
               

              5
                or more

               

            	
               

              100%

               

            

    

    

    Notwithstanding
      any other provision of the Plan to the contrary, a Cash Balance Participant's
      vested interest in his Accrued Benefit shall be 100 percent if he is employed
      by
      an Employer or an Affiliated Company on his Normal Retirement Date, regardless
      of whether he has completed the number of years of Service required under the
      above schedule for 100 percent vesting.

     

     

    
      
        
        

      

      
        24

        
          

        

      

      
        
        

      

    

    
 

    
      	
              7.2

            	
              Eligibility
                for Deferred Vested Retirement
                Benefit

            

    

    

    Each
      Participant who terminates employment with his Employer and all Affiliated
      Companies, who has a vested interest in his Accrued Benefit, and who is not
      eligible for a normal, early, or disability retirement benefit under the Plan
      shall be eligible for a deferred vested retirement benefit.

    

    
      	
              7.3

            	
              Amount
                of Deferred Vested Retirement Benefit 

            

    

    

    An
      eligible Grandfathered Participant's monthly deferred vested retirement benefit
      shall be equal to his vested Accrued Benefit on the date of his termination
      of
      employment; provided, however, that if the Participant is eligible to elect
      to
      begin benefit payments before his Normal Retirement Date as provided in Section
      7.4, the amount of such benefit shall be reduced for early commencement in
      the
      same way as provided in Section 6.2 with respect to an early retirement
      benefit.

    

    An
      eligible Cash Balance Participant's monthly deferred vested retirement benefit
      shall be equal to the greater of (1) his monthly Frozen Accrued Benefit reduced
      by1/15th for each of the first 60 months and 1/30th for each of the next 60
      months and reduced actuarially for each additional month by which his Annuity
      Starting Date precedes his Normal Retirement Date or (2) the monthly retirement
      benefit payable as of his Annuity Starting Date in a single life annuity, as
      described in Section 9.1(a), that is the Actuarial Equivalent of his Cash
      Balance Account.

    

    
      	
              7.4

            	
              Payment

            

    

    

    A
      monthly
      deferred vested retirement benefit shall be paid to an eligible Participant
      commencing as of his Normal Retirement Date; provided, however, that a
      Participant who has 15 years of Service may elect to begin benefit payments
      as
      of the first day of any month following the month in which he attains age
      55.

    

    
      	
              7.5

            	
              Immediate
                Commencement Option for Small
                Benefits

            

    

    

    Notwithstanding
      any other provision of the Plan to the contrary, if the Actuarially Equivalent
      present value of a Participant's Accrued Benefit is greater than $5,000, but
      not
      greater than $50,000, the Participant may elect to begin benefit payments as
      soon as reasonably practicable following his termination of employment in the
      normal form of payment provided in Section 9.1; provided, however, that a
      married Participant may waive the normal 50 percent Qualified Joint and Survivor
      Annuity described in paragraph (b) or (c), as applicable, of Section 9.1 and
      elect the single life annuity described in paragraph (a) of Section 9.1. In
      lieu
      of receiving payment in one of the normal forms, a Participant may elect to
      receive a single sum payment of the full Actuarially Equivalent present value
      of
      his Accrued Benefit. A Participant's election of a form of payment hereunder
      other than the normal form applicable to him shall be subject to the
      requirements of Sections 9.4, 9.5, and 9.6.

     

     

    
      
        
        

      

      
        25

        
          

        

      

      
        
        

      

    

     

    

    
      	
              7.6

            	
              Election
                of Former Vesting Schedule 

            

    

    

    In
      the
      event the Sponsor adopts an amendment to the Plan that changes the vesting
      schedule under the Plan, including any amendment which directly or indirectly
      affects the computation of the nonforfeitable interest of Participants' rights
      to Accrued Benefits, any Participant with three or more years of Service shall
      have a right to have his nonforfeitable interest in his Accrued Benefit continue
      to be determined under the vesting schedule in effect prior to such amendment
      rather than under the new vesting schedule, unless the nonforfeitable interest
      of such Participant in his Accrued Benefit under the Plan, as amended, at any
      time is not less than such interest determined without regard to such amendment.
      Such Participant shall exercise such right by giving written notice of his
      exercise thereof to the Administrator within 60 days after the latest of
      (i) the date he receives notice of such amendment from the Administrator,
      (ii) the effective date of the amendment, or (iii) the date the
      amendment is adopted. Notwithstanding the foregoing provisions of this Section,
      the vested interest of each Participant on the effective date of such amendment
      shall not be less than his vested interest under the Plan as in effect
      immediately prior to the effective date thereof.

    

    
      
        
        

      

      
        26

        
          

        

      

      
        
        

        
        

      

    

    ARTICLE
      VIII

    DISABILITY
      RETIREMENT BENEFIT

    

    

    
      	
              8.1

            	
              Eligibility 

            

    

    

    Each
      Grandfathered Participant who retires from employment with his Employer and
      all
      Affiliated Companies prior to his Normal Retirement Date due to Disability
      shall
      be eligible for a disability retirement benefit.

    

    
      	
              8.2

            	
              Amount 

            

    

    

    An
      eligible Grandfathered Participant's monthly disability retirement benefit
      shall
      be equal to his Accrued Benefit determined as of his Annuity Starting Date;
      provided, however, that if the Grandfathered Participant is eligible to elect
      to
      begin benefit payments before his Normal Retirement Date the amount of such
      benefit shall be reduced for early commencement in the same way as provided
      in
      Section 6.2 with respect to an early retirement benefit. 

    

    
      	
              8.3

            	
              Special
                Rules for Calculating Disability Retirement
                Benefit

            

    

    

    A
      Disabled Grandfathered Participant shall be credited with Service and Credited
      Service while he is Disabled based on his Hours of Service credited in
      accordance with the provisions of Section 2.1(d). Such Grandfathered
      Participant's Average Annual Earnings shall be determined assuming Earnings
      continued while he is Disabled as provided in Section 1.1(h). A Disabled
      Grandfathered Participant's Accrued Benefit shall be determined under the
      provisions of the Plan in effect on the date the Disabled Grandfathered
      Participant ceases to be credited with Hours of Service under Section
      2.1.

    

    
      	
              8.4

            	
              Payment 

            

    

    

    A
      monthly
      disability retirement benefit shall be paid to an eligible Grandfathered
      Participant commencing as of his Normal Retirement Date; provided, however,
      that
      a Grandfathered Participant who has 15 years of Service may elect to begin
      benefit payments as of the first day of any month following the month in which
      he attains age 55. 

    

    
      
        
        

      

      
        27

        
          

        

      

      
        
        

        
        

      

    

    ARTICLE
      IX

    FORMS
      OF PAYMENT

    

    

    
      	
              9.1

            	
              Normal
                Form of Payment 

            

    

    

    A
      Participant who is eligible to receive any retirement benefit under Section
      5.1,
      6.1, 7.2, or 8.1 of the Plan shall receive payment of such benefit in accordance
      with one of the following normal forms of payment:

    

    
      	
              (a)

            	
              A
                Participant who is not married on his Annuity Starting Date shall
                receive
                such benefit in the form of a single life annuity. Such Participant
                shall
                receive a monthly retirement benefit payable for his lifetime, the
                last
                monthly payment being for the month in which his death
                occurs.

            

    

    

    
      	
              (b)

            	
              A
                Participant who is married on his Annuity Starting Date and who is
                either
                (1) a Grandfathered Participant whose benefit is determined under
                the
                regular benefit formula in Section 5.2 or (2) a Cash Balance Participant
                whose benefit is based on his Frozen Accrued Benefit and such Frozen
                Accrued Benefit was determined under the regular benefit amount described
                in Section 5.2 of the Plan as in effect on December 31, 2001, shall
                receive such benefit in the form of a subsidized 50 percent Qualified
                Joint and Survivor Annuity. Such Participant shall receive an unreduced
                monthly retirement benefit payable for his lifetime, the last monthly
                payment being for the month in which his death occurs. If the
                Participant's Spouse survives him, then commencing with the month
                following the month in which the Participant's death occurs, his
                Spouse
                shall receive a monthly benefit for his or her remaining lifetime
                equal to
                one-half of the amount payable during the Participant's lifetime,
                the last
                payment being for the month in which the Spouse's death occurs.
                Notwithstanding the foregoing, if the Participant's Spouse is more
                than
                five years younger than the Participant, the monthly amount payable
                to the
                surviving Spouse following the death of the Participant shall be
                reduced
                so that it is the Actuarial Equivalent of the benefit payable to
                a Spouse
                who is exactly five years younger than the
                Participant.

            

    

    

    
      	
              (c)

            	
              A
                Participant who is married on his Annuity Starting Date and who is
                either
                (1) a Grandfathered Participant whose benefit is determined under
                the
                minimum benefit amount described in Section 5.3 of the Plan, or (2)
                is a
                Cash Balance Participant whose benefit is either (i) based on his
                Cash
                Balance Account or (ii) based on his Frozen Accrued Benefit and such
                Frozen Accrued Benefit was determined under the minimum benefit amount
                described in Section 5.3 of the Plan as in effect on December 31,
                2001,
                shall receive such benefit in the form of a non-subsidized 50 percent
                Qualified Joint and Survivor Annuity. Such Participant shall receive
                a
                reduced monthly retirement benefit payable for his lifetime, the
                last
                monthly payment being for the month in which his death occurs. If
                the
                Participant's Spouse survives him, then commencing with the month
                following the month in which the Participant's death occurs, his
                Spouse
                shall receive a 

            

    

     

     

    
      
        
        

      

      
        28

        
          

        

      

      
        
        

      

    

     

    
      

      
        	
                 

              	
                monthly
                  benefit for his or her remaining lifetime equal to one-half of
                  the reduced
                  amount payable during the Participant's lifetime, the last payment
                  being
                  for the month in which the Spouse's death
                  occurs.

              

      

       

    

    The
      reduced monthly payments to be made to the Participant under this paragraph
      shall be in an amount which, on the date of commencement thereof, is the
      Actuarial Equivalent of the monthly benefit otherwise payable to the Participant
      under the form of payment described in paragraph (a). 

    

    To
      receive a benefit under the Qualified Joint and Survivor Annuity form of payment
      described in paragraph (b) or (c) above, a Participant's Spouse must be the
      same
      Spouse to whom the Participant was married on his Annuity Starting Date. Once
      a
      Participant's Annuity Starting Date occurs and retirement benefit payments
      commence under one of the normal forms of payment, the form of payment will
      not
      change even if the Participant's marital status changes; provided, however,
      that
      if the Participant is reemployed by an Employer or an Affiliated Company, any
      benefits he accrues under the Plan following such reemployment with respect
      to
      which a separate Annuity Starting Date occurs shall be payable in the form
      elected by the Participant as of such separate Annuity Starting
      Date.

    

    Subject
      to the requirements of Section 9.6, a Participant may waive the normal form
      of
      payment applicable to him and elect to receive payment of his benefit in one
      of
      the optional forms of payment provided in Section 9.2.

    

    
      	
              9.2

            	
              Optional
                Forms of Payment 

            

    

    

    Within
      the election period described in Section 9.5, a Participant who is eligible
      to
      receive a normal, early, deferred vested, or disability retirement benefit
      may
      elect to receive payment of such benefit in accordance with any one of the
      following options. If the Participant is married on his Annuity Starting Date,
      any such election must satisfy the requirements of Section 9.6.

    

    If
      the
      Participant's Beneficiary under an optional form of payment dies prior to the
      Participant's Annuity Starting Date, the election shall become inoperative
      and
      ineffective, and benefit payments, if any, shall be made under the normal form
      of payment provided in Section 9.1, unless the Participant elects another
      optional form of payment provided under the Plan prior to his Annuity Starting
      Date. Once a Participant's Annuity Starting Date occurs, however, the optional
      form of payment elected by the Participant will not change even if the
      Participant's marital status changes or his Beneficiary predeceases him;
      provided, however, that if the Participant is reemployed by an Employer or
      an
      Affiliated Company, any benefits he accrues under the Plan following his
      reemployment with respect to which a separate Annuity Starting Date occurs
      shall
      be payable in the form elected by the Participant as of such separate Annuity
      Starting Date.

    

    The
      monthly payments made under any optional form of payment hereunder shall be
      the
      Actuarial Equivalent of the monthly benefit otherwise payable to the Participant
      in the single life 

     

    
      
        
        

      

      
        29

        
          

        

      

      
        
        

      

    

     

    annuity
      form described in paragraph (a) or, if the
      Participant is married and is entitled to the subsidized 50 percent Qualified
      Joint and Survivor Annuity, paragraph (b) of Section 9.1.

     

    
 

    
      	
              (a)

            	
              Single
                Life Annuity.
                The Participant shall receive a monthly retirement benefit payable
                for his
                lifetime, the last monthly payment being for the month in which his
                death
                occurs.

            

    

    

    
      	
              (b)

            	
              100%
                Joint and Survivor Annuity.
                The Participant shall receive a reduced monthly retirement benefit
                payable
                for his lifetime, the last monthly payment being for the month in
                which
                his death occurs. If the Participant's Beneficiary survives him,
                then
                commencing with the month following the month in which the Participant's
                death occurs, his Beneficiary shall receive a monthly benefit for
                his or
                her remaining lifetime equal to the reduced amount payable during
                the
                Participant's lifetime, the last monthly payment being for the month
                in
                which the Beneficiary's death
                occurs.

            

    

    

    
      	
              (c)

            	
              75%
                Joint and Survivor Annuity.
                The Participant shall receive a reduced monthly retirement benefit
                payable
                for his lifetime, the last monthly payment being for the month in
                which
                his death occurs. If the Participant's Beneficiary survives him,
                then
                commencing with the month following the month in which the Participant's
                death occurs, his Beneficiary shall receive a monthly benefit for
                his or
                her remaining lifetime equal to three-quarters of the reduced amount
                payable during the Participant's lifetime, the last monthly payment
                being
                for the month in which the Beneficiary's death
                occurs.

            

    

    

    
      	
              (d)

            	
              50%
                Joint and Survivor Annuity.
                The Participant shall receive a reduced monthly retirement benefit
                payable
                for his lifetime, the last monthly payment being for the month in
                which
                his death occurs. If the Participant's Beneficiary survives him,
                then
                commencing with the month following the month in which the Participant's
                death occurs, his Beneficiary shall receive a monthly benefit for
                his or
                her remaining lifetime equal to one-half of the reduced amount payable
                during the Participant's lifetime, the last monthly payment being
                for the
                month in which the Beneficiary's death
                occurs.

            

    

    

    
      	
              (e)

            	
              Ten-Year
                Certain and Life Annuity.
                The Participant shall receive a reduced monthly retirement benefit
                payable
                for his lifetime, the last monthly payment being for the month in
                which
                his death occurs. If the Participant's death occurs prior to the
                end of
                the ten-year period commencing with his Annuity Starting Date, his
                Beneficiary shall receive a continued monthly benefit equal to such
                reduced amount for the remainder of such ten-year period. If the
                Participant's Beneficiary dies after becoming eligible to receive
                a
                benefit hereunder, but prior to the end of the ten-year period, the
                unpaid
                monthly benefit shall be paid to the Beneficiary designated by the
                Participant to receive payment in such event or, if none, in accordance
                with the provisions of Section 9.3. In lieu of receiving continued
                monthly
                payments, a Participant's Beneficiary may elect to receive the Actuarially
                Equivalent present value of such payments in a single
                sum.

            

    

     

     

    
      
        
        

      

      
        30

        
          

        

      

      
        
        

      

    

    
 

    
      	
              (f)

            	
              Five-Year
                Certain and Life Annuity.
                The Participant shall receive a reduced monthly retirement benefit
                payable
                for his lifetime, the last monthly payment being for the month in
                which
                his death occurs. If the Participant's death occurs prior to the
                end of
                the five-year period commencing with his Annuity Starting Date, his
                Beneficiary shall receive a continued monthly benefit equal to such
                reduced amount for the remainder of such five-year period. If the
                Participant's Beneficiary dies after becoming eligible to receive
                a
                benefit hereunder, but prior to the end of the five-year period,
                the
                unpaid monthly benefit shall be paid to the Beneficiary designated
                by the
                Participant to receive payment in such event or, if none, in accordance
                with the provisions of Section 9.3. In lieu of receiving continued
                monthly
                payments, a Participant's Beneficiary may elect to receive the Actuarially
                Equivalent present value of such payments in a single
                sum.

            

    

    

    
      	
              (g)

            	
              Single
                Sum Payment.
                The Participant may elect to receive a single sum payment in lieu
                of any
                other retirement benefit payable under the Plan. Such single sum
                payment
                shall be equal to the following:

            

    

    

    
      	 	
              (1)

            	
              For
                a Grandfathered Participant, the Actuarially Equivalent present value
                of
                his vested Accrued Benefit.

            

    

    

    
      	 	
              (2)

            	
              For
                a Cash Balance Participant, the greater of (i) his vested Cash Balance
                Account balance or (ii) the Actuarially Equivalent present value
                of his
                Frozen Accrued Benefit.

            

    

    

    
      	 	
              A
                Participant may only elect this form of payment if the amount of
                the
                single sum payment, as determined above, does not exceed
                $50,000.

            

    

    

    Notwithstanding
      any other provision of the Plan to the contrary, distribution under an optional
      form of payment shall be made in accordance with Code Section 401(a)(9) and
      regulations issued thereunder, including the minimum distribution incidental
      benefit requirement. If a Participant designates a person other than his Spouse
      as his Beneficiary under an optional form of payment, and if payments under
      the
      optional form elected would not meet the minimum distribution incidental benefit
      requirement, the election shall be ineffective and benefit payments, if any,
      shall be made under the normal form of payment provided in Section 9.1, unless
      the Participant elects another optional form of payment provided under the
      Plan
      prior to his Annuity Starting Date.

    

    
      	
              9.3

            	
              Designation
                of Beneficiary and Beneficiary in Absence of Designated
                Beneficiary 

            

    

    

    A
      Participant's Beneficiary may be any individual or, in the case of a Beneficiary
      to receive payments for the remainder of a period-certain under the form of
      payment elected by the Participant, any individuals, trust, or estate, selected
      by the Participant. A Participant's designation of a Beneficiary is subject
      to
      the spousal consent requirements of Section 9.6.

     

     

    
      
        
        

      

      
        31

        
          

        

      

      
        
        

      

    

    
 

    If
      payment is to be made to a Participant's surviving Beneficiary for the remainder
      of a period-certain under the form of payment elected by the Participant and
      no
      Beneficiary survives or the Participant has not designated a Beneficiary, the
      Participant's Beneficiary shall be the Participant's estate. If any payments
      are
      to be made to a trust or to the estate of a Participant as Beneficiary
      hereunder, such payments shall be made in an Actuarially Equivalent single
      sum
      payment.

    

    
      	
              9.4

            	
              Notice
                Regarding Forms of Payment 

            

    

    

    The
      Administrator shall provide a Participant with a written description of
      (i) the terms and conditions of the normal forms of payment provided in
      Section 9.1, (ii) the optional forms of payment provided in
      Section 9.2, (iii) the Participant's right to waive the normal form of
      payment provided in Section 9.1 and to elect an optional form of payment
      and the effect thereof, (iv) the rights of the Participant's Spouse with
      respect to the Qualified Joint and Survivor Annuity form of payment, and
      (v) the Participant's right to revoke a waiver of the normal form of
      payment or to change his election of an option and the effect thereof. The
      explanation shall notify the Participant of his right to defer payment of his
      retirement benefit under the Plan until his Normal Retirement Date, or such
      later date as may be provided under the Plan. The Administrator shall provide
      such explanation no fewer than 30 days and no more than 90 days before a
      Participant's Annuity Starting Date.

    

    Notwithstanding
      the foregoing, a Participant's Annuity Starting Date may occur fewer than 30
      days after receipt of such explanation if the Administrator clearly informs
      the
      Participant:

    

    
      	
              (a)

            	
              of
                his right to consider his form of payment election for a period of
                at
                least 30 days following his receipt of the explanation;
                

            

    

    

    
      	
              (b)

            	
              the
                Participant, after receiving the explanation, affirmatively elects
                an
                early Annuity Starting Date, with his Spouse's written consent, if
                necessary;

            

    

    

    
      	
              (c)

            	
              the
                Participant's Annuity Starting Date occurs after the date the explanation
                is provided to him;

            

    

    

    
      	
              (d)

            	
              the
                election period described in Section 9.5 does not end until the later
                of
                his Annuity Starting Date or the expiration of the seven-day period
                beginning the day after the date the explanation is provided to him;
                and

            

    

    

    
      	
              (e)

            	
              actual
                payment of the Participant's retirement benefit does not begin to
                the
                Participant before such revocation period
                ends.

            

    

    

    
      	
              9.5

            	
              Election
                Period 

            

    

    

    A
      Participant may waive or revoke a waiver of the normal form of payment provided
      in Section 9.1 and elect, modify, or change an election of an optional form
      of
      payment provided in Section 

     

    
      
        
        

      

      
        32

        
          

        

      

      
        
        

      

    

     

     

    9.2
      by written notice delivered to the Administrator at
      any time during the election period; provided, however, that no waiver of the
      normal form of payment and election of an optional form of payment shall be
      valid unless the Participant has received the written explanation described
      in
      Section 9.4. Subject to the provisions of Section 9.4 extending a Participant's
      election period under certain circumstances, a Participant's "election period"
      means the 90-day period ending on his Annuity Starting Date.

    
 

    The
      form
      in which a Participant shall receive payment of his retirement benefit shall
      be
      determined upon the later of his Annuity Starting Date or the date his election
      period ends, based upon any waiver and election in effect on such date. Except
      as otherwise specifically provided in the Plan, in no event shall the form
      in
      which a Participant's retirement benefit is paid be changed on or after such
      date.

    

    
      	
              9.6

            	
              Spousal
                Consent Requirements 

            

    

    

    A
      married
      Participant's waiver of the normal Qualified Joint and Survivor Annuity form
      of
      payment and his election, modification, or change of an election of an optional
      form of payment must include the written consent of the Participant's Spouse,
      if
      any. A Participant's Spouse shall be deemed to have given written consent to
      the
      Participant's waiver and election if the Participant establishes to the
      satisfaction of a Plan representative that such consent cannot be obtained
      because of any of the following circumstances:

    

    
      	
              (a)

            	
              the
                Spouse cannot be located,

            

    

    

    
      	
              (b)

            	
              the
                Participant is legally separated or has been abandoned within the
                meaning
                of local law, and the Participant has a court order to that effect,
                or

            

    

    

    
      	
              (c)

            	
              other
                circumstances set forth in Code Section 401(a)(11) and regulations
                issued
                thereunder.

            

    

    

    Notwithstanding
      the foregoing, written spousal consent shall not be required if the Participant
      elects an optional form of payment that is a Qualified Joint and Survivor
      Annuity.

    

    Any
      written spousal consent given pursuant to this Section shall acknowledge the
      effect of the waiver of the Qualified Joint and Survivor Annuity form of payment
      and of the election of an optional form of payment, shall specify the optional
      form of payment selected by the Participant and that such form may not be
      changed (except to a Qualified Joint and Survivor Annuity) without written
      spousal consent, shall specify any Beneficiary designated by the Participant
      and
      that such Beneficiary may not be changed without written spousal consent, and
      shall be witnessed by a Plan representative or a notary public. Any written
      consent given or deemed to be given by a Participant's Spouse shall be
      irrevocable and shall be effective only with respect to such Spouse and not
      with
      respect to any subsequent Spouse.

     

     

    
      
        
        

      

      
        33

        
          

        

      

      
        
        

      

    

    
 

    
      	
              9.7

            	
              Death
                Prior to Annuity Starting Date 

            

    

    

    Notwithstanding
      any other provision of the Plan to the contrary, should a Participant die prior
      to his Annuity Starting Date neither he nor any person claiming under or through
      him shall be entitled to any retirement benefit under the Plan; and no benefit
      shall be paid under the Plan with respect to such Participant except any
      survivor benefit payable under the provisions of Article X.

    

    
      	
              9.8

            	
              Effect
                of Reemployment on Form of Payment 

            

    

    

    Notwithstanding
      any other provision of the Plan, if a former Employee is reemployed, his prior
      election of a form of payment hereunder shall become ineffective, except to
      the
      extent that the Participant's Annuity Starting Date occurred prior to such
      reemployment and such prior Annuity Starting Date is preserved with respect
      to a
      portion or all of the Participant's retirement benefit. 

    

    
      
        
        

      

      
        34

        
          

        

      

      
        
        

        
        

      

    

    ARTICLE
      X

    SURVIVOR
      BENEFITS

    

    

    
      	
              10.1

            	
              Eligibility
                for Qualified Preretirement Survivor Annuity 

            

    

    

    If
      a
      Participant dies before his Annuity Starting Date, his surviving Spouse shall
      be
      eligible for a Qualified Preretirement Survivor Annuity if all of the following
      requirements are met on the Participant's date of death:

    

    
      	
              (a)

            	
              The
                Participant has a Spouse as defined in
                Section 1.1.

            

    

    

    
      	
              (b)

            	
              Such
                Spouse has been married to the Participant throughout the one-year
                period
                immediately preceding his date of
                death.

            

    

    

    
      	
              (c)

            	
              The
                Participant has a vested Accrued
                Benefit.

            

    

    

    
      	
              10.2

            	
              Amount
                of Qualified Preretirement Survivor Annuity 

            

    

    

    The
      monthly amount of the Qualified Preretirement Survivor Annuity payable to a
      surviving Spouse shall be equal to the survivor benefit that would have been
      payable to the Spouse if the Participant had:

    

    
      	
              (a)

            	
              separated
                from service on the earlier of his actual separation from service
                date or
                his date of death;

            

    

    

    
      	
              (b)

            	
              survived
                to the date as of which payment of the Qualified Preretirement Survivor
                Annuity to his surviving Spouse
                commences;

            

    

    

    
      	
              (c)

            	
              elected
                to commence retirement benefits as of the date described in paragraph
                (b)
                above in the form of a 50 percent Qualified Joint and Survivor Annuity,
                as
                described in paragraph (b) or (c) of Section 9.1, as applicable;
                and

            

    

    

    
      	
              (d)

            	
              died
                on his Annuity Starting Date.

            

    

    

    Notwithstanding
      the foregoing, if prior to a Participant's death the Participant elected an
      optional form of payment in accordance with the provisions of Article IX that
      is
      a Qualified Joint and Survivor Annuity, for purposes of determining the amount
      of the Qualified Preretirement Survivor Annuity, the optional form of payment
      elected by the Participant shall be substituted for the 50 percent Qualified
      Joint and Survivor Annuity in paragraph (c) above.

     

     

    
      
        
        

      

      
        35

        
          

        

      

      
        
        

      

    

    
 

    
      	
              10.3

            	
              Enhanced
                Qualified Preretirement Survivor
                Annuity

            

    

    

    If
      a
      Grandfathered Participant dies while employed by an Employer or an Affiliated
      Company after becoming eligible for a retirement benefit in accordance with
      the
      provisions of Section 5.1 or 6.1 or if a Disabled Grandfathered Participant
      dies, the monthly amount of the Qualified Preretirement Survivor Annuity payable
      to his surviving Spouse shall be the greater of the amount determined in Section
      10.2 or 50 percent of the Grandfathered Participant's Accrued Benefit on his
      date of death, without reduction for early commencement; provided, however,
      that
      if the Grandfathered Participant's surviving Spouse is more than five years
      younger than the Participant, the percentage of the Grandfathered Participant's
      Accrued Benefit payable to the Spouse as a Qualified Preretirement Survivor
      Annuity hereunder shall be reduced so that the benefit payable to the surviving
      Spouse is the Actuarial Equivalent of the benefit that would be payable if
      the
      Spouse were exactly five years younger than the Grandfathered
      Participant.

    

    
      	
              10.4

            	
              Payment
                of Qualified Preretirement Survivor Annuity 

            

    

    

    Payment
      of a Qualified Preretirement Survivor Annuity to a Participant's surviving
      Spouse shall commence as of the first day of the month following the later
      of
      (i) the month in which the Participant dies or (ii) the month in which
      the Participant would have attained earliest retirement age (as defined herein)
      under the Plan; provided, however, that the surviving Spouse of a Grandfathered
      Participant who is entitled to the enhanced Qualified Preretirement Survivor
      Annuity described in Section 10.3 may elect to commence payment as of the first
      day of the month following the month in which the Grandfathered Participant
      dies. Notwithstanding the foregoing, a Participant's surviving Spouse may elect
      to defer commencement of payment of the Qualified Preretirement Survivor Annuity
      to a date no later than the Participant's Normal Retirement Date. If a
      Participant's surviving Spouse dies before the date as of which payment of
      the
      Qualified Preretirement Survivor Annuity is to commence to such Spouse, no
      Qualified Preretirement Survivor Annuity shall be payable
      hereunder.

    

    Payment
      of a Qualified Preretirement Survivor Annuity shall continue to a Participant's
      surviving Spouse for such Spouse's lifetime, the last monthly payment being
      for
      the month in which the Spouse's death occurs.

    

    For
      purposes of this Article, a Participant's "earliest retirement age" means the
      earliest age at which the Participant could have elected to commence retirement
      benefits under the Plan if he had survived, but based on his years of Service
      on
      his date of death.

    

    
      	
              10.5

            	
              Non-Spouse
                Survivor Annuity 

            

    

    

    A
      Grandfathered Participant, who has a vested Accrued Benefit, and who does not
      have a Spouse who is entitled to a Qualified Preretirement Survivor Annuity
      hereunder may designate a non-Spouse Beneficiary to receive a non-Spouse
      survivor annuity hereunder in the event the Grandfathered Participant dies
      while
      employed by an Employer or an Affiliated Company after becoming eligible for
      a
      retirement benefit in accordance with the provisions of Section 5.1 or 6.1
      

     

    
      
        
        

      

      
        36

        
          

        

      

      
        
        

      

    

     

    or after becoming Disabled. Such non-Spouse Beneficiary
      shall
      have the same survivor rights as a surviving Spouse under Sections 10.3 and
      10.4; provided, however, that payment of the non-Spouse survivor annuity shall
      commence to such non-Spouse Beneficiary within one year of the Grandfathered
      Participant's date of death. Without the consent of his designated non-Spouse
      Beneficiary, such Grandfathered Participant may revoke or change his designation
      at any time prior to his Annuity Starting Date. If the Grandfathered
      Participant's designated non-Spouse Beneficiary should die prior to the
      commencement of a non-Spouse survivor annuity under this Section, no benefit
      shall be payable pursuant to the provisions of this Article with respect to
      the
      deceased Grandfathered Participant.

    
 

    
      
        
        

      

      
        37

        
          

        

      

      
        
        

        
        

      

    

    ARTICLE
      XI

    GENERAL
      PROVISIONS & LIMITATIONS

    REGARDING
      BENEFITS

    

    

    
      	
              11.1

            	
              Suspension
                of Benefits 

            

    

    

    If
      a
      retired or former Employee is reemployed by an Employer or an Affiliated Company
      prior to his Normal Retirement Date, any benefits payable to such retired or
      former Employee under the Plan shall be suspended during the period of such
      reemployment, unless such retired or former Employee is entitled to receive
      a
      normal retirement benefit as provided in Section 5.1.

    

    
      	
              11.2

            	
              Non-Alienation
                of Retirement Rights or Benefits 

            

    

    

    Except
      as
      provided in Code Section 401(a)(13)(B) (relating to qualified domestic relations
      orders), Code Sections 401(a)(13)(C) and (D) (relating to offsets ordered or
      required under a criminal conviction involving the Plan, a civil judgment in
      connection with a violation or alleged violation of fiduciary responsibilities
      under ERISA, or a settlement agreement between the Participant and the
      Department of Labor in connection with a violation or alleged violation of
      fiduciary responsibilities under ERISA), Section 1.401(a)-13(b)(2) of the
      Treasury Regulations (relating to Federal tax levies), or as otherwise required
      by law, no benefit under the Plan at any time shall be subject in any manner
      to
      anticipation, alienation, assignment (either at law or in equity), encumbrance,
      garnishment, levy, execution, or other legal or equitable process; and no person
      shall have the power in any manner to anticipate, transfer, assign (either
      at
      law or in equity), alienate or subject to attachment, garnishment, levy,
      execution, or other legal or equitable process, or in any way encumber his
      benefits under the Plan, or any part thereof, and any attempt to do so shall
      be
      void.

    

    
      	
              11.3

            	
              Payment
                of Benefits to Others 

            

    

    

    If
      any
      person to whom a retirement benefit is payable is unable to care for his affairs
      because of illness or accident, any payment due (unless prior claim therefore
      shall have been made by a duly qualified guardian or other legal representative)
      may be paid to the Spouse, parent, brother or sister, or any other individual
      deemed by the Administrator to be maintaining or responsible for the maintenance
      of such person. The monthly payment of a retirement benefit to a person for
      the
      month in which he dies shall, if not paid to such person prior to his death,
      be
      paid to his Spouse, parent, brother, sister, or estate as the Administrator
      shall determine. Any payment made in accordance with the provisions of this
      Section shall be a complete discharge of any liability of the Plan with respect
      to the benefit so paid.

    

    
      	
              11.4

            	
              Payment
                of Small Benefits; Deemed Cashout 

            

    

    

    If
      the
      Actuarially Equivalent present value of any retirement benefit payable under
      Section 5.1, 6.1, 7.2, or 8.1 or any survivor benefit is $5,000 or less, such
      Actuarially Equivalent present 

     

    
      
        
        

      

      
        38

        
          

        

      

      
        
        

      

    

    
value
      shall be paid to the Participant, or his
      Beneficiary, if applicable, in a single sum payment, in lieu of all other
      benefits under the Plan, as soon as practicable following the date of the
      Participant's retirement, death, or other termination of employment and he
      shall
      cease to be a Participant under the Plan as of the date of such payment. For
      distributions made prior to March 22, 1999, the Actuarially Equivalent present
      value of a benefit shall be deemed to exceed $5,000 if the Actuarially
      Equivalent present value of the benefit exceeded such amount at the time of
      any
      prior distribution.

     

    If
      a
      former Participant is reemployed, any retirement benefit to which he may become
      entitled because of his subsequent retirement or termination of employment
      shall
      be reduced to its Actuarial Equivalent to reflect the value of any single sum
      payment made to him hereunder or under the provisions of Section 7.5 or
      9.2.

    

    If
      the
      nonforfeitable Accrued Benefit of a Participant is zero, such Participant shall
      be deemed to have received distribution of his entire vested Accrued Benefit
      under the Plan, in lieu of all other benefits under the Plan, as of the date
      of
      his termination of employment with his Employer and all Affiliated Companies
      and
      he shall cease to be a Participant under the Plan as of such date.

    

    A
      distribution hereunder is deemed to be made because of a Participant's
      retirement or termination of employment if it is made before the end of the
      second Plan Year following the Plan Year in which such retirement or termination
      occurred.

    

    
      	
              11.5

            	
              Direct
                Rollovers 

            

    

    

    Notwithstanding
      any other provision of the Plan to the contrary, in lieu of receiving a single
      sum payment as provided in Section 9.2 or Section 11.5, a "qualified
      distributee" may elect in writing, in accordance with rules prescribed by the
      Sponsor, to have any portion or all of such payment that is an "eligible
      rollover distribution" paid directly by the Plan to the "eligible retirement
      plan" designated by the "qualified distributee"; provided, however, that this
      provision shall not apply if the total distribution is less than $200 and that
      a
      "qualified distributee" may not elect this provisions with respect to any
      partial distribution that is less than $500. Any such payment by the Plan to
      another "eligible retirement plan" shall be a direct rollover. For purposes
      of
      this Section, the following terms have the following meanings:

    

    
      	
              (a)

            	
              Effective
                for distributions made after December 31, 2001, an "eligible retirement
                plan" means an individual retirement account described in Code Section
                408(a), an individual retirement annuity described in Code Section
                408(b),
                an annuity plan described in Code Section 403(a), a qualified trust
                described in Code Section 401(a) that accepts rollovers, an annuity
                contract described in Code Section 403(b), and an eligible plan under
                Code
                Section 457(b) that is maintained by a state, political subdivision
                of a
                state, or any agency or instrumentality of a state or political
                subdivision; provided that any such 403(b) annuity contract or 457
                plan
                agrees to separately account for the
                rollover.

            

    

     

     

    
      
        
        

      

      
        39

        
          

        

      

      
        
        

      

    

    
 

    
      	
              (b)

            	
              An
                "eligible rollover distribution" means any distribution of all or
                any
                portion of a Participant's Accrued Benefit or a distribution of all
                or any
                portion of a survivor benefit under Article X; provided, however,
                that an
                eligible rollover distribution does not include: any distribution
                that is
                one of a series of substantially equal periodic payments made not
                less
                frequently than annually for the life or life expectancy of the qualified
                distributee or the joint lives or joint life expectancies of the
                qualified
                distributee and the qualified distributee's designated beneficiary,
                or for
                a specified period of ten years or more; and any distribution to
                the
                extent such distribution is required under Code Section
                401(a)(9).

            

    

    

    
      	
              (c)

            	
              A
                "qualified distributee" means a Participant, his surviving Spouse,
                or his
                Spouse or former Spouse who is an alternate payee under a qualified
                domestic relations order, as defined in Code Section
                414(p).

            

    

    

    
      	
              11.6

            	
              Limitations
                on Commencement 

            

    

    

    Notwithstanding
      any other provision of the Plan to the contrary, payment of a Participant's
      retirement benefit shall commence not later than the earlier of:

    

    
      	
              (a)

            	
              the
                60th day after the end of the Plan Year in which occurs the Participant's
                Normal Retirement Date, the tenth anniversary of the date on which
                he
                first became a Participant, or the Participant's retirement or other
                termination of employment, whichever is latest;
                or

            

    

    

    
      	
              (b)

            	
              his
                Required Beginning Date.

            

    

    

    Distributions
      required to commence under this Section shall be made in accordance with Code
      Section 401(a)(9) and regulations issued thereunder. If payment of a
      Participant's retirement benefit does not commence until his Required Beginning
      Date, his Required Beginning Date shall be considered his Annuity Starting
      Date
      for all purposes of the Plan.

    

    If
      the
      Participant dies after his Annuity Starting Date, but prior to distribution
      of
      his entire interest, the remaining portion of such interest shall be distributed
      to his Beneficiary in a method which is at least as rapid as the method being
      used at the date of the Participant's death. If the Participant dies prior
      to
      his Annuity Starting Date, the entire interest attributable to the Participant
      shall be distributed within five years after the date of his death, unless
      such
      interest is payable to a designated beneficiary (as defined in Code Section
      401(a)(9)) for a period which does not exceed the life or life expectancy of
      such designated beneficiary, in which event distribution of such interest shall
      commence no later than the date the Participant would have attained age
      70 1/2 if the designated beneficiary is the surviving Spouse of such
      Participant, or the date which is one year after the date of such Participant's
      death if the designated beneficiary is not the surviving Spouse of such
      Participant.

    

    Subject
      to the requirements of Code Sections 401(a)(9) and 411(d)(6), no benefit
      payments shall commence under the Plan until the Participant, or his surviving
      Spouse, if applicable, makes 

     

    
      
        
        

      

      
        40

        
          

        

      

      
        
        

      

    

     

    written
      application therefore on a form satisfactory to
      the Administrator. If the amount of a monthly retirement benefit payable to
      a
      Participant cannot be determined for any reason (including lack of information
      as to whether the Participant is still living or his marital status) on the
      date
      payment of such benefit is to commence under this Section, payment shall be
      made
      retroactively to such date no later than 60 days after the date on which the
      amount of such monthly retirement benefit can be
      determined.

    
      
        
        

      

      
        41

        
          

        

      

      
        
        

        
        

      

    

    ARTICLE
      XII

    MAXIMUM
      RETIREMENT BENEFITS

    

    

    
      	
              12.1

            	
              Applicability

            

    

    

    The
      provisions of this Article XII are effective for limitation years ending after
      December 31, 2001, but with respect only to Participants who have an Hour of
      Service on or after the first day of the first limitation year ending after
      December 31, 2001.

    

    
      	
              12.2

            	
              Definitions

            

    

    

    For
      purposes of this Article, the following terms have the following
      meanings.

    

    
      	
              (a)

            	
              An
                "affiliated employer" means any corporation or business, other than
                an
                Employer, which would be aggregated with an Employer for a relevant
                purpose under Code Section 414 as modified by Code
                Section 415(h).

            

    

    

    
      	
              (b)

            	
              A
                Participant's "annual retirement benefit" means the amount of retirement
                benefit attributable to Employer contributions which is payable to
                him
                annually under the Plan multiplied by the factors prescribed in the
                following paragraph if such benefit is to be paid in a manner other
                than
                to the Participant for his life only or as a qualified joint and
                survivor
                annuity as defined in Code Section 417. A Participant's "aggregate
                annual retirement benefit" includes his "annual retirement benefit"
                and
                his annual retirement benefit, if any, under any and all other defined
                benefit plans (whether or not terminated) maintained by an Employer
                or any
                "affiliated employer". For purposes of applying the compensation
                limit in
                Code Section 415(b)(1)(B), a Participant's "aggregate annual retirement
                benefit" shall not include the Participant's accrued benefit under
                a
                multiemployer plan, if any.

            

    

    

    For
      purposes of determining a Participant's "annual retirement benefit" payable
      in a
      manner other than to the Participant for his life only or as a qualified joint
      and survivor annuity the following factors shall be used: (i) the table
      prescribed by the Secretary of the Treasury, which shall be based on the
      prevailing commissioners' standard table, described in Code Section
      807(d)(5)(A), used to determine reserves for group annuity contracts issued
      on
      the date as of which present value is being determined (without regard to any
      other subparagraph of Code Section 807(d)(5)) and (ii) the annual rate of
      interest on 30-year Treasury securities for the second calendar month preceding
      the Plan Year in which the distribution is made.

    

    
      	
              (c)

            	
              The
                "defined benefit compensation limitation" means 100 percent of a
                Participant's average compensation for his high three
                years.

            

    

     

     

    
      
        
        

      

      
        42

        
          

        

      

      
        
        

      

    

    
 

    
      	
              (d)

            	
              The
                "defined benefit dollar limitation" means $160,000, as adjusted,
                effective
                January 1 of each year, under Code Section 415(d) in such manner
                as the
                Secretary shall prescribe, and payable in the form of a straight
                life
                annuity. A limitation as adjusted under Code Section 415(d) will
                apply to
                "limitation years" ending with or within the calendar year for which
                the
                adjustment applies.

            

    

    

    
      	
              (e)

            	
              "Defined
                benefit plan" has the meaning given such term in Code
                Section 415(k).

            

    

    

    
      	
              (f)

            	
              The
                "final implementation date" means the first day of the first limitation
                year beginning in 2000.

            

    

    

    
      	
              (g)

            	
              The
                "limitation year" means the Plan
                Year.

            

    

    

    
      	
              (h)

            	
              A
                Participant's "old law benefit" means his Accrued Benefit under the
                Plan
                as of the last day of the "limitation year" beginning in 1999 (the
                "freeze
                date"), determined without regard to any amendment adopted after
                the
                "freeze date".

            

    

    

    
      	
              (i)

            	
              The
                “maximum permissible benefit” is the lesser of the "defined benefit dollar
                limitation" or the "defined benefit compensation limitation" (both
                adjusted where required, as provided in (1) and, if applicable, in
                (2) or
                (3) below).

            

    

    

    
      	 	
              (1)

            	
              If
                the Participant has fewer than 10 years of participation in the Plan,
                the
                "defined benefit dollar limitation" shall be multiplied by a fraction,
                (i)
                the numerator of which is the number of years (or part thereof) of
                participation in the plan and (ii) the denominator of which is 10.
                In the
                case of a participant who has fewer than 10 years of service with
                the
                employer, the defined benefit compensation limitation shall be multiplied
                by a fraction, (i) the numerator of which is the number of years
                (or part
                thereof) of service with the employer and (ii) the denominator of
                which is
                10.

            

    

    

    
      	 	
              (2)
                

            	
              If
                the benefit of a Participant begins prior to age 62, the "defined
                benefit
                dollar limitation" applicable to the Participant at such earlier
                age is an
                annual benefit payable in the form of a straight life annuity beginning
                at
                the earlier age that is the actuarial equivalent of the defined benefit
                dollar limitation applicable to the participant at age 62 (adjusted
                under
                (1) above, if required). The "defined benefit dollar limitation"
                applicable at an age prior to age 62 is determined as the lesser
                of (i)
                the actuarial equivalent (at such age) of the "defined benefit dollar
                limitation" computed using the interest rate and mortality table
                (or other
                tabular factor) specified in the definition of "Actuarial Equivalent"
                in
                Section 1.1 of the Plan and (ii) the actuarial equivalent (at such
                age) of
                the "defined benefit dollar limitation" computed using a five percent
                interest rate and the applicable mortality table specified in the
                definition of "Actuarial Equivalent" in Section 1.1 of the Plan.
                Any
                decrease in the "defined benefit dollar limitation" determined in
                accordance with this paragraph (2) shall not reflect a mortality
                decrement
                if benefits are not 

            

    

     

     

     

    
      
        
        

      

      
        43

        
          

        

      

      
        
        

      

    

     

    forfeited
      upon the death of the Participant. If any
      benefits are forfeited upon death, the full mortality decrement is taken into
      account.

     

    
      	 	
              (3)

            	
              If
                the benefit of a Participant begins after the Participant attains
                age 65,
                the "defined benefit dollar limitation" applicable to the Participant
                at
                the later age is the annual benefit payable in the form of a straight
                life
                annuity beginning at the later age that is actuarially equivalent
                to the
                "defined benefit dollar limitation" applicable to the Participant
                at age
                65 (adjusted under (1) above, if required). The actuarial equivalent
                of
                the "defined benefit dollar limitation" applicable at an age after
                age 65
                is determined as (i) the lesser of the actuarial equivalent (at such
                age)
                of the "defined benefit dollar limitation" computed using the interest
                rate and mortality table (or other tabular factor) specified in the
                definition of "Actuarial Equivalent" in Section 1.1 of the Plan and
                (ii)
                the actuarial equivalent (at such age) of the defined benefit dollar
                limitation computed using a five percent interest rate assumption
                and the
                applicable mortality table as specified in the definition of "Actuarial
                Equivalent" in Section 1.1 of the Plan. For these purposes, mortality
                between age 65 and the age at which benefits commence shall be
                ignored.

            

    

    

    
      	
              12.3

            	
              Maximum
                Limitation on Annual Benefits 

            

    

    

    Subject
      to the provisions of Section 12.4, the "aggregate annual retirement
      benefit" accrued or payable to a Participant may not at any time within any
      "limitation year" exceed the "maximum permissible benefit".

    

    
      	
              12.4

            	
              Exceptions 

            

    

    

    As
      permitted pursuant to Method 2 described in Q&A 14 of Revenue Ruling 98-1,
      in no event will a Participant's "aggregate annual retirement benefit" be less
      than the Participant's "old law benefit" limited under the provisions of Code
      Section 415, as in effect on December 7, 1994. The Plan mortality and
      interest rate factors for purposes of applying Code Sections 415(b)(2)(B),
      (C),
      and (D) shall be the mortality and interest rate factors in effect under the
      Plan as of December 7, 1994, determined without regard to any amendment to
      the
      Plan that was adopted after that date. If the interest rate factor under the
      Plan in effect on December 7, 1994 is a variable interest rate, such variable
      interest rate shall be the rate calculated on the date the Participant's benefit
      is being determined, rather than the rate calculated on December 7, 1994.
      Notwithstanding any other provision of this Section to the contrary, in no
      event
      will a Participant's "old law benefit" exceed the Participant's total benefit
      (prior to adjustment for compliance with Code Section 415) under the terms
      of
      the Plan in effect after the "freeze date".

    

    
      	
              12.5

            	
              Manner
                of Reduction 

            

    

    

    If
      the
      Participant's "aggregate annual retirement benefit" exceeds the limitations
      specified in this Article, the reduction in the amount of his "annual retirement
      benefit" shall be equal to the amount by which his "aggregate annual retirement
      benefit" exceeds the limitations of this Article 

     

     

    
      
        
        

      

      
        44

        
          

        

      

      
        
        

      

    

     

    multiplied
      by a fraction, the numerator of which is his
      "annual retirement benefit" (determined without regard to this Article) and
      the
      denominator of which is his "aggregate annual retirement benefit" (determined
      without regard to the limitations of this Article or any corresponding
      limitation in any other defined benefit plan maintained by an Employer or any
      affiliated employer).

    
      
        
        

      

      
        45

        
          

        

      

      
        
        

        
        

      

    

    ARTICLE
      XIII

    PENSION
      FUND

    

    

    
      	
              13.1

            	
              Pension
                Fund 

            

    

    

    The
      Pension Fund is maintained by the Funding Agent for the Plan under a Funding
      Agreement with the Sponsor. Subject to the provisions of Title IV of ERISA,
      benefits under the Plan shall be only such as can be provided by the assets
      of
      the Pension Fund, and no liability for payment of benefits shall be imposed
      upon
      the Employers or any Affiliated Company, or any of their officers, employees,
      directors, or stockholders.

    

    
      	
              13.2

            	
              Contributions
                by the Employers 

            

    

    

    So
      long
      as the Plan continues, contributions will be made by the Employers at such
      times
      and in such amounts as the Sponsor in its sole discretion shall from time to
      time determine, based on the advice of the Actuary and consistent with the
      funding policy for the Plan. Subject to the provisions of Section 13.5, all
      such contributions shall be delivered to the Funding Agent for deposit in the
      Pension Fund. Participants shall make no contributions under the
      Plan.

    

    
      	
              13.3

            	
              Expenses
                of the Plan 

            

    

    

    The
      expenses of administration of the Plan, including the expenses of the
      Administrator and fees of the Funding Agent and any investment advisor, shall
      be
      paid from the Pension Fund, unless the Sponsor or an Employer elects to make
      payment.

    

    
      	
              13.4

            	
              No
                Reversion 

            

    

    

    The
      Pension Fund shall be for the exclusive benefit of Participants and persons
      claiming under or through them. All contributions pursuant to Section 13.2
      hereof shall be based on the facts then understood by the Sponsor, shall be
      conditioned upon the initial qualification of the Funding Agreement and Plan
      under Code Sections 401 and 501(a), and, unless otherwise specified by the
      Sponsor, shall be conditioned upon deductibility of the contributions under
      Code
      Section 404 in the year for which such contributions were made. All such
      contributions shall be irrevocable and such contributions as well as the Pension
      Fund, or any portion of the principal or income thereof, shall never revert
      to
      or inure to the benefit of the Employers or any Affiliated Company except
      that:

    

    
      	
              (a)

            	
              the
                residual amounts specified in Article XVI may be returned to the
                Employers;

            

    

    

    
      	
              (b)

            	
              any
                contributions which are made under a mistake of fact may be returned
                to
                the Employers within one year after the contributions were
                made;

            

    

     

     

    
      
        
        

      

      
        46

        
          

        

      

      
        
        

      

    

    
 

    
      	
              (c)

            	
              any
                contributions made for years during which the Funding Agreement and
                Plan
                were not initially qualified under Code Sections 401 and 501(a) may
                be returned to the Employers within one year after the date of denial
                of
                initial qualification, but only if an application for determination
                was
                filed within the period of time prescribed under ERISA Section
                403(c)(2)(B); and

            

    

    

    
      	
              (d)

            	
              any
                contributions, which are not, in whole or in part, deductible under
                Code
                Section 404 for the year for which they were made, may to the extent
                such contributions were not so deductible, be returned to the Employers
                within one year after the disallowance of the
                deduction.

            

    

    

    The
      Sponsor shall determine, in its sole discretion, whether the contributions
      described above, other than the residual amounts described in paragraph (a),
      shall be returned to an Employer. If any such contributions are to be returned,
      the Sponsor shall so direct the Funding Agent, in writing, no later than ten
      days prior to the last day upon which they may be returned.

    

    
      	
              13.5

            	
              Forfeitures
                Not to Increase Benefits 

            

    

    

    Any
      forfeitures arising from the termination of employment or death of an Employee,
      or for any other reason, shall be used to reduce Employer contributions to
      the
      Pension Fund, and shall not be applied to increase the benefits any Participant
      otherwise would receive under the Plan at any time prior to the termination
      of
      the Plan.

    

    
      	
              13.6

            	
              Change
                of Funding Medium 

            

    

    

    The
      Sponsor shall have the right to change at any time the means through which
      benefits under the Plan shall be provided. No such change shall constitute
      a
      termination of the Plan or result in the diversion to the Employers of any
      funds
      previously contributed in accordance with the Plan.

    

    
      
        
        

      

      
        47

        
          

        

      

      
        
        

        
        

      

    

    ARTICLE
      XIV

    ADMINISTRATION

    

    

    
      	
              14.1

            	
              Authority
                of the Sponsor 

            

    

    

    The
      Sponsor, which shall be the administrator for purposes of ERISA and the plan
      administrator for purposes of the Code, shall have all the powers and authority
      expressly conferred upon it herein and further shall have the sole discretionary
      right, authority, and power to interpret and construe the Plan, and to determine
      any disputes arising thereunder, subject to the provisions of Section 14.3.
      In exercising such powers and authority, the Sponsor at all times shall exercise
      good faith, apply standards of uniform application, and refrain from arbitrary
      action. The Sponsor may employ such attorneys, agents, and accountants as it
      may
      deem necessary or advisable to assist it in carrying out its duties hereunder.
      The Sponsor shall be a "named fiduciary" as that term is defined in ERISA
      Section 402(a)(2). The Sponsor may:

    

    
      	
              (a)

            	
              allocate
                any of the powers, authority, or responsibilities for the operation
                and
                administration of the Plan (other than trustee responsibilities as
                defined
                in ERISA Section 405(c)(3)) among named fiduciaries;
                and

            

    

    

    
      	
              (b)

            	
              designate
                a person or persons other than a named fiduciary to carry out any
                of such
                powers, authority, or
                responsibilities;

            

    

    

    except
      that no allocation by the Sponsor of, or designation by the Sponsor with respect
      to, any of such powers, authority, or responsibilities to another named
      fiduciary or a person other than a named fiduciary shall become effective unless
      such allocation or designation shall first be accepted by such named fiduciary
      or other person in a writing signed by it and delivered to the
      Sponsor.

    

    
      	
              14.2

            	
              Action
                of the Sponsor 

            

    

    

    Any
      act
      authorized, permitted, or required to be taken by the Sponsor under the Plan,
      which has not been delegated in accordance with Section 14.1, may be taken
      by a majority of the members of the board of directors of the Sponsor, either
      by
      vote at a meeting, or in writing without a meeting or by the employee or
      employees of the Sponsor designated by the board of directors to carry out
      such
      acts on behalf of the Sponsor. All notices, advice, directions, certifications,
      approvals, and instructions required or authorized to be given by the Sponsor
      under the Plan shall be in writing and signed by either (i) a majority of
      the members of the board of directors of the Sponsor, or by such member or
      members as may be designated by an instrument in writing, signed by all the
      members thereof, as having authority to execute such documents on its behalf,
      or
      (ii) the employee or employees of the Sponsor who have the authority to act
      on behalf of the Sponsor.

     

     

    
      
        
        

      

      
        48

        
          

        

      

      
        
        

      

    

    
 

    
      	
              14.3

            	
              Claims
                Review Procedure 

            

    

    

    Whenever
      the Administrator decides for whatever reason to deny, whether in whole or
      in
      part, a claim for benefits filed by any person (hereinafter referred to as
      the
      "claimant"), the Administrator shall transmit to the claimant a written notice
      of its decision, which notice shall be written in a manner calculated to be
      understood by the claimant and shall contain a statement of (i) the specific
      reasons for the denial of the claim, (ii) specific reference to pertinent Plan
      provisions on which the denial is based, and (iii) a description of any
      additional material or information necessary for the claimant to perfect the
      claim and an explanation of why such information is necessary. The notice shall
      also include a statement advising the claimant that, within 60 days of the
      date
      on which he receives such notice, he may obtain review of the decision of the
      Administrator in accordance with the procedures hereinafter set
      forth.

    

    Within
      the 60ȭday period beginning on the date the claimant receives notice regarding
      disposition of his claim, the claimant or his authorized representative may
      request that the claim denial be reviewed by filing with the Administrator
      a
      written request therefor, which request shall contain the following
      information:

    

    
      	
              (a)

            	
              the
                date on which the claimant's request was filed with the Administrator
                provided that the date on which the claimant's request for review
                was in
                fact filed with the Administrator shall control in the event that
                the date
                of the actual filing is later than the date stated by the claimant
                pursuant to this paragraph;

            

    

    

    
      	
              (b)

            	
              the
                specific portions of the denial of his claim which the claimant requests
                the Administrator to review;

            

    

    

    
      	
              (c)

            	
              a
                statement by the claimant setting forth the basis upon which he believes
                the Administrator should reverse its previous denial of his claim
                for
                benefits and accept his claim as made;
                and

            

    

    

    
      	
              (d)

            	
              any
                written material (offered as exhibits) which the claimant desires
                the
                Administrator to examine in its consideration of his position as
                stated
                pursuant to paragraph (c) of this
                Section.

            

    

    

    Within
      60
      days of the date determined pursuant to paragraph (a) of this Section (or,
      if
      special circumstances require an extension, within 120 days of that date;
      provided that the delay and the reasons for the delay are communicated to the
      claimant within the initial 60-day period), the Administrator shall conduct
      a
      full and fair review of its decision denying the claimant's claim for benefits
      and shall render its written decision on review to the claimant. The
      Administrator's decision on review shall be written in a manner calculated
      to be
      understood by the claimant and shall specify the reasons and Plan provisions
      upon which the Administrator's decision was based.

     

    
 

    
      
        
        

      

      
        49

        
          

        

      

      
        
        

      

    

    
 

    
      	
              14.4

            	
              Qualified
                Domestic Relations Orders 

            

    

    

    The
      Administrator shall establish reasonable procedures to determine the status
      of
      domestic relations orders and to administer distributions under domestic
      relations orders which are deemed to be qualified orders. Such procedures shall
      be in writing and shall comply with the provisions of Code Section 414(p)
      and regulations issued thereunder.

    

    
      	
              14.5

            	
              Indemnification 

            

    

    

    In
      addition to whatever rights of indemnification the members of the board of
      directors of the Sponsor or any employee or employees to whom any power,
      authority, or responsibility is delegated pursuant to Section 14.2, may be
      entitled under the articles of incorporation, regulations, or bylaws of the
      Sponsor, under any provision of law, or under any other agreement, the Sponsor
      shall satisfy any liability actually and reasonably incurred by any such person
      or persons, including expenses, attorneys' fees, judgments, fines, and amounts
      paid in settlement (other than amounts paid in settlement not approved by the
      Sponsor), in connection with any threatened, pending, or completed action,
      suit,
      or proceeding which is related to the exercise or failure to exercise by such
      person or persons of any of the powers, authority, responsibilities, or
      discretion as provided under the Plan and the Funding Agreement, or reasonably
      believed by such person or persons to be provided thereunder, and any action
      taken by such person or persons in connection therewith, unless the same is
      judicially determined to be the result of such person's or persons' gross
      negligence or willful misconduct.

    

    
      	
              14.6

            	
              Actions
                Binding 

            

    

    

    Subject
      to the provisions of Section 14.3, any action taken by the Sponsor which is
      authorized, permitted, or required under the Plan shall be final and binding
      upon the Employers, the Funding Agent, all persons who have or who claim an
      interest under the Plan, and all third parties dealing with the Employers or
      the
      Funding Agent.

    

    
      
        
        

      

      
        50

        
          

        

      

      
        
        

        
        

      

    

    ARTICLE
      XV

    ADOPTION
      BY OTHER ENTITIES

    

    

    
      	
              15.1

            	
              Adoption
                by Affiliated Companies 

            

    

    

    An
      Affiliated Company that is not an Employer may, with the consent of the Sponsor,
      adopt the Plan and become an Employer hereunder by causing an appropriate
      written instrument evidencing such adoption to be executed in accordance with
      the requirements of its organizational authority. Any such instrument shall
      specify the effective date of the adoption. Unless otherwise specified in the
      adoption instrument, for purposes of computing the Service and Average Annual
      Earnings of an Employee who is in the employ of the Employer on the effective
      date of the adoption, employment with and compensation from the Employer before
      the effective date of the adoption shall be treated as employment with and
      Earnings from an Employer. Unless otherwise specifically provided in the
      adoption instrument, for purposes of computing the Credited Service of an
      Employee, only employment with the Employer for periods on or after the
      effective date of the adoption shall be treated as employment with an Employer.
      Any Employer shall undertake to contribute its appropriate share, as determined
      by the Sponsor, of any contributions made to the Funding Agent hereunder.
      Notwithstanding the foregoing, however, any adoption of the Plan by an Employer
      shall be subject to the receipt of a determination from the Internal Revenue
      Service to the effect that with respect to such Employer the Plan meets the
      requirements for qualification under Code Section 401(a), and, should an adverse
      determination be issued by the Internal Revenue Service, the adoption of the
      Plan by said Employer shall be null and void and of no effect
      whatsoever.

    

    
      	
              15.2

            	
              Effective
                Plan Provisions 

            

    

    

    An
      Employer who adopts the Plan shall be bound by the provisions of the Plan in
      effect at the time of the adoption and as subsequently in effect because of
      any
      amendment to the Plan.

    

    
      
        
        

      

      
        51

        
          

        

      

      
        
        

        
        

      

    

    ARTICLE
      XVI

    AMENDMENT
      & TERMINATION OF PLAN

    

    

    
      	
              16.1

            	
              Sponsor's
                Right of Amendment 

            

    

    

    The
      Sponsor reserves the right at any time and from time to time, by means of a
      written instrument executed in the name of the Sponsor by its duly authorized
      representatives, to amend or modify the Plan and, to the extent provided
      therein, to amend or modify the Funding Agreement. No pension or other benefit
      granted prior to the time of any amendment or modification of the Plan shall
      be
      reduced, suspended, or discontinued as a result thereof, except to the extent
      necessary to enable the Plan to meet the requirements for qualification under
      the Code or the requirements of any governmental authority. Moreover, no such
      action shall operate to recapture for the Employers any contributions made
      to
      the Pension Fund, except as provided in Section 13.4 or
      Section 16.7.

    

    
      	
              16.2

            	
              Termination
                of the Plan 

            

    

    

    The
      Sponsor reserves the right, by means of a written instrument executed in the
      name of the Sponsor by its duly authorized representatives, at any time to
      terminate the Plan. In the event of termination, no further benefits shall
      accrue, no further contributions shall be made, except as may be required under
      Title IV of ERISA or Code Section 412, and all assets remaining in the Pension
      Fund, after provision has been made for payment of the expenses of
      administration and liquidation in connection with the termination, shall be
      allocated by the Funding Agent upon the advice of the Actuary, among the
      Participants and Beneficiaries of the Plan, in the following manner and order
      of
      precedence:

    

    
      	
              (a)

            	
              In
                the case of benefits payable as an
                annuity,

            

    

    

    
      	 	
              (1)

            	
              in
                the case of the benefit of a Participant or Beneficiary which was
                in pay
                status as of the beginning of the three-year period ending on the
                termination date of the Plan, to each such benefit, based on the
                provisions of the Plan (as in effect during the five-year period
                ending on
                such date) under which such benefit would be the least;
                and

            

    

    

    
      	 	
              (2)

            	
              in
                the case of a Participant's or Beneficiary's benefit (other than
                a benefit
                described in subparagraph (1) of this paragraph) which would have
                been in pay status as of the beginning of such three-year period
                if the
                Participant had retired prior to the beginning of such three-year
                period
                and if his benefits had commenced (in the normal form of annuity
                under the
                Plan) as of the beginning of such period, to each such benefit based
                on
                the provisions of the Plan (as in effect during the five-year period
                ending on such date) under which such benefit would be the
                least.

            

    

     

     

    
      
        
        

      

      
        52

        
          

        

      

      
        
        

      

    

    
 

    For
      purposes of subparagraph (1) of this paragraph, the lowest benefit in pay
      status during a three-year period shall be considered the three-year benefit
      in
      pay status for such period.

    

    
      	
              (b)

            	
              Next,

            

    

    

    
      	 	
              (1)

            	
              to
                all other benefits, if any, of individuals under the Plan guaranteed
                under
                Title IV of ERISA (determined without regard to ERISA
                Section 4022(b)(5)); and

            

    

    

    
      	 	
              (2)

            	
              to
                the additional benefits, if any, which would be determined under
                subparagraph (1) of this paragraph if ERISA
                Section 4022(b)(6) did not
                apply.

            

    

    

    For
      purposes of this paragraph, ERISA Section 4021 shall be applied without
      regard to subsection (c) thereof.

    

    
      	
              (c)

            	
              Next,
                to all nonforfeitable benefits under the
                Plan.

            

    

    

    
      	
              (d)

            	
              Last,
                to all other benefits under the
                Plan.

            

    

    

    Notwithstanding
      any other provision of the Plan to the contrary, other than Sections 16.3
      through 16.8, the amount allocated to any Participant under this
      Section 16.2 shall be fully vested and nonforfeitable. The Sponsor shall
      furnish all information reasonably required for the purposes of making such
      allocations. The Funding Agent shall implement the allocations determined under
      this Section among the persons for whose benefit such allocations are made
      through distribution of the assets of the Pension Fund, through application
      of
      the amounts allocated to the purchase from an insurance company of immediate
      or
      deferred annuities, or through creation of one or more new funds for the purpose
      of distributing the assets of the Pension Fund (to the extent so allocated),
      or
      by a combination of the foregoing.

    

    
      	
              16.3

            	
              Adjustment
                of Allocation 

            

    

    

    The
      amount allocated under any paragraph of Section 16.2 with respect to any
      benefit shall be properly adjusted for any allocations of assets with respect
      to
      that benefit under a prior paragraph of Section 16.2.

    

    
      	
              16.4

            	
              Assets
                Insufficient for Allocation 

            

    

    

    If
      the
      assets available for allocation under any paragraph of Section 16.2 (other
      than paragraphs (c) and (d) are insufficient to satisfy in full the benefits
      of
      all individuals which are described in that paragraph, the assets shall be
      allocated pro rata among such individuals on the basis of the present value
      (as
      of the date of termination of the Plan) of their respective benefits described
      in that paragraph.

     

     

    
      
        
        

      

      
        53

        
          

        

      

      
        
        

      

    

    
 

    
      	
              16.5

            	
              Assets
                Insufficient for Allocation Under Paragraph (c) of
                Section 16.2

            

    

    

    This
      Section applies if the assets available for allocation under paragraph (c)
      of
      Section 16.2 are not sufficient to satisfy in full the benefits of
      individuals described in such paragraph.

    

    
      	
              (a)

            	
              If
                this Section applies, except as provided in paragraph (b), the assets
                shall be allocated to the benefits of individuals described in paragraph
                (c) of Section 16.2 on the basis of the benefits of individuals which
                would have been described in such paragraph under the Plan as in
                effect at the beginning of the five-year period ending on the date
                of
                termination of the Plan.

            

    

    

    
      	
              (b)

            	
              If
                the assets available for allocation under paragraph (a) of this
                Section are sufficient to satisfy in full the benefits described
                in such
                paragraph (without regard to this paragraph (b)), then for purposes
                of paragraph (a), benefits of individuals described in such paragraph
                shall be determined on the basis of the Plan as amended by the most
                recent
                Plan amendment effective during such five-year period under which
                the
                assets available for allocation are sufficient to satisfy in full
                the
                benefits of individuals described in paragraph (a), and any assets
                remaining to be allocated under such paragraph (a) on the basis of
                the Plan as amended by the next succeeding Plan amendment effective
                during
                such period.

            

    

    

    
      	
              16.6

            	
              Allocations
                Resulting in Discrimination 

            

    

    

    If
      the
      Secretary of the Treasury determines that the allocation made pursuant to this
      Article (without regard to this Section) results in discrimination prohibited
      by
      Code Section 401(a)(4), then the assets allocated under paragraphs (b)(2),
      (c), and (d) of Section 16.2 shall be reallocated to the extent necessary
      to prevent the disqualification of the Plan (or any trust or annuity contract
      under the Plan) under Code Section 401(a).

    

    
      	
              16.7

            	
              Residual
                Assets 

            

    

    

    Subject
      to the provisions of Section 16.10, any residual assets of the Plan shall
      be distributable to the Employers if:

    

    
      	
              (a)

            	
              all
                liabilities of the Plan to Participants and their beneficiaries have
                been
                satisfied; and

            

    

    

    
      	
              (b)

            	
              the
                distribution does not contravene any provision of
                law.

            

    

    

    
      	
              16.8

            	
              Meanings
                of Terms 

            

    

    

    The
      terms
      used in Sections 16.2 through 16.7 shall have, where required, the same
      meaning as the same terms have as used in ERISA Section 4044; provided,
      however, that any term specifically defined in the Plan shall retain its meaning
      as defined thereunder.

     

     

    
      
        
        

      

      
        54

        
          

        

      

      
        
        

      

    

    
 

    
      	
              16.9

            	
              Payments
                by the Funding Agent 

            

    

    

    The
      Funding Agent shall make the payments specified in a written direction of the
      Sponsor in accordance with the provisions of Section 16.2 until the same shall
      be superseded by a further written direction. The obligation of the Funding
      Agent to make any payment hereunder in all events shall be limited to the amount
      of the Pension Fund at the time any such payment shall become due.

    

    
      	
              16.10

            	
              Residual
                Assets Distributable to the Employers 

            

    

    

    Upon
      written notice from the Sponsor that any residual assets of the Plan are
      distributable to the Employers in accordance with the provisions of
      Section 16.7, then the Funding Agent shall pay over such residual assets,
      or an amount equal to the fair market value of that portion of such residual
      assets which are not so paid, to the Employers; provided, however, that, under
      no circumstances or conditions other than as set forth in this
      Section 16.10 and in Section 13.4, shall any contribution of the
      Employers, or any portion of the proceeds or avails thereof, ever revert, be
      paid, or inure to the benefit, directly or indirectly, of the Employers or
      any
      Affiliated Company; nor shall any portion of the principal or the income from
      the Pension Fund ever be used for or diverted to any purpose other than for
      the
      exclusive benefit of Participants and persons claiming under or through them
      pursuant to the Plan.

    

    
      	
              16.11

            	
              Withdrawal
                of an Employer 

            

    

    

    Each
      Employer shall have the right to withdraw from the Plan by action in accordance
      with its organizational authority, and by filing with the Sponsor written notice
      thereof, in which event the Employer shall cease to be an Employer for purposes
      of the Plan. An Employer shall be deemed automatically to withdraw from the
      Plan
      in the event it completely discontinues contributions to the Plan or it ceases
      to be an Affiliated Company.

    

    If
      such
      withdrawal is for the purpose of establishing or merging with a separate plan
      which meets the requirements for qualification under applicable provisions
      of
      the Code, the portion of the assets of the Pension Fund which is applicable
      to
      the withdrawing Employer, as determined by the Sponsor upon the advice of the
      Actuary, on a fair and equitable basis, taking into account the contributions
      made by the Employer, benefit payments made with respect to its Employees and
      retired and former Employees, and other relevant factors, shall be transferred
      to and become a part of the trust fund or other financing medium maintained
      in
      connection with the separate plan, subject to the limitations on merger,
      consolidation, or transfers of Plan assets set forth in Section 17.5.

    

    
      
        
        

      

      
        55

        
          

        

      

      
        
        

        
        

      

    

    ARTICLE
      XVII

    MISCELLANEOUS

    

    

    
      	
              17.1

            	
              No
                Commitment as to Employment 

            

    

    

    Nothing
      contained herein shall be construed as a commitment or agreement on the part
      of
      any person to continue his employment with his Employer, or as a commitment
      on
      the part of his Employer to continue the employment, compensation, or benefits
      of any person for any period, and all employees of an Employer shall remain
      subject to discharge, layoff, or disciplinary action to the same extent as
      if
      the Plan had never been put into effect.

    

    
      	
              17.2

            	
              Claims
                of Other Persons 

            

    

    

    Nothing
      in the Plan or Funding Agreement shall be construed as giving any Participant
      or
      any other person, firm, or corporation, any legal or equitable right as against
      the Employers, their officers, employees, or directors, or as against the
      Funding Agent, except such rights as are specifically provided for in the Plan
      or Funding Agreement or hereafter created in accordance with the terms and
      provisions of the Plan.

    

    
      	
              17.3

            	
              Governing
                Law 

            

    

    

    Except
      as
      provided under Federal law, the provisions of the Plan shall be governed by
      and
      construed in accordance with the laws of the State of Texas.

    

    
      	
              17.4

            	
              Nonforfeitability
                of Benefits Upon Termination or Partial Termination 

            

    

    

    Notwithstanding
      any other provision of the Plan, in the event of the termination or a partial
      termination of the Plan, including the complete discontinuation of contributions
      to the Plan, the rights of all Employees who are affected by such termination
      to
      benefits accrued to the date of such termination, to the extent funded as of
      such date, shall be nonforfeitable.

    

    
      	
              17.5

            	
              Merger,
                Consolidation, or Transfer of Plan Assets 

            

    

    

    The
      Plan
      shall not be merged or consolidated with any other plan, nor shall any of its
      assets or liabilities be transferred to another plan, unless, immediately after
      such merger, consolidation, or transfer of assets or liabilities, each
      Participant in the Plan would receive a benefit under the Plan which is at
      least
      equal to the benefit he would have received immediately prior to such merger,
      consolidation, or transfer of assets or liabilities (assuming in each instance
      that the Plan had then terminated).

     

     

    
      
        
        

      

      
        56

        
          

        

      

      
        
        

      

    

    
 

    If
      another qualified plan merges or consolidates with the Plan, notwithstanding
      any
      other provision of the Plan to the contrary, the forms of payment and other
      provisions that were available with respect to benefits accrued immediately
      prior to the transfer or merger under such other qualified plan and that may
      not
      be eliminated under Code Section 411(d)(6) shall continue to be available under
      the Plan with respect to the benefit that the Participant would have received
      immediately prior to such merger, consolidation or transfer of assets or
      liabilities.

    

    
      	
              17.6

            	
              Funding
                Agreement 

            

    

    

    The
      Funding Agreement and the Pension Fund maintained thereunder shall be deemed
      to
      be a part of the Plan as if fully set forth herein and the provisions of the
      Funding Agreement are hereby incorporated by reference into the
      Plan.

    

    
      	
              17.7

            	
              Benefit
                Offsets for Overpayments 

            

    

    

    If
      a
      Participant or Beneficiary receives benefits hereunder for any period in excess
      of the amount of benefits to which he was entitled under the terms of the Plan
      as in effect for such period, such overpayment shall be offset against current
      or future benefit payments, as applicable, until such time as the overpayment
      is
      entirely recouped by the Plan.

    

    
      	
              17.8

            	
              Internal
                Revenue Requirements 

            

    

    

    Notwithstanding
      any other provision of the Plan to the contrary, to conform to the requirements
      of U.S. Treasury Regulations, the benefit payable under the Plan shall be
      subject to the following limitations:

    

    
      	
              (a)

            	
              If
                the Plan is terminated, the benefit of any Highly Compensated
                Employee shall be limited to a benefit that is nondiscriminatory
                under
                Code Section 401(a)(4).

            

    

    

    
      	
              (b)

            	
              The
                annual payments in any one year to any of the 25 Highly Compensated
                Employees with the greatest compensation (hereinafter referred to
                as a
                "restricted employee") in the current or any prior year shall not
                exceed
                an amount equal to the payments that would be made on behalf of the
                restricted employee under (1) a straight life annuity that is the
                Actuarial Equivalent of the restricted employee's Accrued Benefit
                and
                other benefits to which the restricted employee is entitled under
                the Plan
                (other than a Social Security supplement), and (2) the amount of the
                payments the restricted employee is entitled to receive under a Social
                Security supplement. For purposes of this paragraph, "benefit" includes,
                among other benefits, loans in excess of the amounts set forth in
                Code
                Section 72(p)(2)(A), any periodic income, any withdrawal values payable
                to
                a living employee, and any death benefits not provided for by insurance
                on
                the restricted employee's life. The foregoing provisions of this
                paragraph
                shall not apply, however, if:

            

    

    

    
      	 	
              (1)

            	
              After
                payment to a restricted employee of all benefits payable to the restricted
                employee under the Plan, the value of Plan assets equals or exceeds
                110
                percent of 

            

    

     

     

    
      
        
        

      

      
        57

        
          

        

      

      
        
        

      

    

     

    
      
        	 	
                 

              	
                the
                  value of "current liabilities" as defined in Code Section 412(l)(7),
                  (each
                  value being determined as of the same date in accordance with applicable
                  Treasury regulations);

              

      

       

    

    
      	 	
              (2)

            	
              The
                value of the benefits payable under the Plan to or for a restricted
                employee is less than one percent of the value of current liabilities
                before distribution; or

            

    

    

    
      	 	
              (3)
                

            	
              The
                value of benefits payable under the Plan to or for a restricted employee
                does not exceed the amount described in Code Section
                411(a)(11)(A).

            

    

    

    
      	
              17.9

            	
              Overall
                Permitted Disparity Limits 

            

    

    

    If
      an
      Employer or an Affiliated Company maintains another qualified plan, in no event
      shall the "overall permitted disparity limits" of Internal Revenue Service
      regulations Section 1.401(l)-5 be exceeded. The "annual" overall disparity
      limit
      of Section 1.401(l)-5(b) shall not be exceeded if the "total annual disparity
      fraction" determined as of the end of the Plan Year for each Participant who
      accrues a benefit under the Plan for the Plan Year does not exceed one. An
      Employee's "total annual disparity fraction" is the sum of the Employee's annual
      disparity fractions under all qualified plans maintained by an Employer or
      an
      Affiliated Company as determined under Internal Revenue Service regulations
      Sections 1.401(l)-5(b)(3) through 1.401(l)-5(b)(8) for the plan year ending
      in
      the current Plan Year.

    

    The
      "cumulative" permitted disparity limit of Internal Revenue Service regulations
      Section 1.401(l)-5(c) shall not be exceeded if a Participant's "cumulative
      disparity fraction" does not exceed 35. A Participant's "cumulative disparity
      fraction" is the sum of the Participant's "total annual disparity fractions"
      attributable to the Participant's total years of service under all plans
      maintained by an Employer or an Affiliated Company.

    

    
      	
              17.10

            	
              Veterans
                Reemployment Rights 

            

    

    

    Notwithstanding
      any other provision of the Plan to the contrary, contributions, benefits, and
      service credit with respect to qualified military service shall be provided
      in
      accordance with Code Section 414(u).

    

    
      
        
        

      

      
        58

        
          

        

      

      
        
        

        
        

      

    

    ARTICLE
      XVIII

    TOP-HEAVY
      PROVISIONS

    

    

    
      	
              18.1

            	
              Top-Heavy
                Plan Definitions 

            

    

    

    For
      purposes of this Article, the following terms have the following
      meanings.

    

    
      	
              (a)

            	
              The
                "compensation" of an Employee means compensation as defined in Code
                Section 415 and regulations issued thereunder. In no event, however,
                shall the compensation of a Participant taken into account under
                the Plan
                for any Plan Year exceed (1) $200,000 for Plan Years beginning prior
                to
                January 1, 1994, or (2) $150,000 for Plan Years beginning on or after
                January 1, 1994. The limitations set forth in the preceding sentence
                shall
                be subject to adjustment annually as provided in Code Section
                401(a)(17)(B) and Code Section 415(d); provided, however, that the
                dollar
                increase in effect on January 1 of any calendar year, if any, is
                effective
                for Plan Years beginning in such calendar
                year.

            

    

    

    
      	
              (b)

            	
              The
                "determination date" with respect to any Plan Year means the last
                day of
                the immediately preceding Plan
                Year.

            

    

    

    
      	
              (c)

            	
              Effective
                for Plan Years beginning after December 31, 2001, a "key employee"
                means
                any Employee or former Employee (including any deceased Employee)
                who at
                any time during the Plan Year that includes the "determination date"
                was
                an officer of an Employer or an Affiliated Company having annual
                compensation greater than $130,000 (as adjusted under Code Section
                416(i)(1) for Plan Years beginning after December 31, 2002), a
                five-percent owner of an Employer or an Affiliated Company, or a
                one-percent owner of an Employer or an Affiliated Company having
                annual
                compensation of more than $150,000. For this purpose, annual compensation
                means compensation within the meaning of Code Section 415(c)(3).
                The
                determination of who is a "key employee" will be made in accordance
                with
                Code Section 416(i)(1) and the applicable regulations and other guidance
                of general applicability issued
                thereunder.

            

    

    

    
      	
              (d)

            	
              A
                "non-key employee" means any Employee who is not a key
                employee.

            

    

    

    
      	
              (e)

            	
              A
                "permissive aggregation group" means those plans included in an Employer's
                required aggregation group together with any other plan or plans
                of the
                Employer or an Affiliated Company so long as the entire group of
                plans
                would continue to meet the requirements of Code Sections 401(a)(4)
                and 410.

            

    

    

    
      	
              (f)

            	
              A
                "required aggregation group" means the group of tax-qualified plans
                maintained by an Employer or an Affiliated Company consisting of
                each plan
                in which a key employee participates and each other plan which enables
                a
                plan in which a key employee participates to meet the requirements
                of Code
                Section 401(a)(4) or Code Section 410,
                

            

    

     

     

    
      
        
        

      

      
        59

        
          

        

      

      
        
        

      

    

    

      

      
        	
                 

              	
                including
                  any plan that terminated within the five-year period ending on
                  the
                  relevant determination date.

              

      

       

    

    
      	
              (g)

            	
              A
                "super top-heavy group" with respect to a particular Plan Year means
                a
                required or permissive aggregation group that, as of the determination
                date, would qualify as a top-heavy group under the definition in
                paragraph (j) of this Section with "90 percent" substituted for
                "60 percent" each place where "60 percent" appears in the
                definition.

            

    

    

    
      	
              (h)

            	
              A
                "super top-heavy plan" with respect to a particular Plan Year means
                a plan
                that, as of the determination date, would qualify as a top-heavy
                plan
                under the definition in paragraph (k) of this Section with "90
                percent" substituted for "60 percent" each place where
                "60 percent" appears in such definition. A plan is also a super
                top-heavy plan if it is part of a super top-heavy
                group.

            

    

    

    
      	
              (i)

            	
              The
                "testing period" means the period of consecutive years of service,
                not in
                excess of five, during which an Employee has the greatest aggregate
                compensation from his Employer, excluding, however, any year which
                ends in
                a Plan Year beginning prior to January 1, 1984, as well as any Plan
                Year which begins after the close of the last Plan Year in which
                the Plan
                was a top-heavy plan.

            

    

    

    
      	
              (j)

            	
              A
                "top-heavy group" with respect to a particular Plan Year means a
                required
                or permissive aggregation group if the sum, as of the determination
                date,
                of the present value of the cumulative accrued benefits for key employees
                under all defined benefit plans included in such group and the aggregate
                of the account balances of key employees under all defined contribution
                plans included in such group exceeds 60 percent of a similar sum
                determined for all employees covered by the plans included in such
                group.

            

    

    

    
      	
              (k)

            	
              A
                "top-heavy plan" with respect to a particular Plan Year means (i) in
                the case of a defined benefit plan, a plan for which, as of the
                determination date, the present value of the cumulative accrued benefits
                under the plan (within the meaning of Code Section 416(g) and the
                regulations and rulings thereunder) for key employees exceeds
                60 percent of the present value of the cumulative accrued benefits
                under the plan for all employees, with the present value of the cumulative
                accrued benefits to be determined under the accrual method uniformly
                used
                under all plans maintained by his Employer or, if no such method
                exists,
                under the slowest accrual method permitted under the fractional accrual
                rate of Code Section 411(b)(1)(c), (ii), in the case of a defined
                contribution plan, a plan for which, as of the determination date,
                the
                aggregate of the accounts (within the meaning of Code Section 416(g)
                and the regulations and rulings thereunder) of key employees exceeds
                60 percent of the aggregate of the accounts of all participants
                covered under the plan, with the accounts valued as of the most recent
                valuation date coinciding with or preceding the determination date,
                and
                (iii) any plan included in a required aggregation group that is a
                top-heavy group.

            

    

     

     

    
      
        
        

      

      
        60

        
          

        

      

      
        
        

      

    

    
 

    
      	 	
              Effective
                for Plan Years beginning after December 31, 2001, the present values
                of
                accrued benefits and the amounts of account balances of an Employee
                as of
                the determination date shall be increased by the distributions made
                with
                respect to the Employee under the Plan and any plan aggregated with
                the
                Plan under Code Section 416(g)(2) during the one-year period ending
                on the
                determination date. The preceding sentence shall also apply to
                distributions under a terminated plan which, had it not been terminated,
                would have been aggregated with the Plan under Code Section
                416(g)(2)(A)(i). In the case of a distribution made for a reason
                other
                than separation from service, death, or disability, this provision
                shall
                be applied by substituting "five-year period" for "one-year period".
                The
                accrued benefits and accounts of any individual who has not performed
                services for an Employer or an Affiliated Company during the one-year
                period ending on the determination date shall not be taken into
                account.

            

    

    

    
      	 	
              Notwithstanding
                the foregoing, if a plan is included in a required or permissive
                aggregation group which is not a top-heavy group, such plan shall
                not be a
                top-heavy plan. For purposes of this Article, the present value of
                the
                cumulative accrued benefits under the Plan shall be determined as
                of the
                date Plan costs for minimum funding purposes are computed, and shall
                be
                calculated using the actuarial assumptions otherwise employed under
                the
                Plan for actuarial valuations, except that the same actuarial assumptions
                shall be used for all plans within a required or permissive aggregation
                group.

            

    

    

    
      	
              18.2

            	
              Applicability
                of Top-Heavy Plan Provisions 

            

    

    

    Notwithstanding
      any other provision of the Plan to the contrary, if the Plan is deemed to be
      a
      top-heavy plan for any Plan Year, the provisions contained in this Article
      with
      respect to vesting and benefit accrual shall be applicable with respect to
      such
      Plan Year. If the Plan is determined to be a top-heavy plan and upon a
      subsequent determination date is determined no longer to be a top-heavy plan,
      the vesting and benefit accrual provisions specified elsewhere in the Plan
      shall
      again become applicable as of such subsequent determination date; provided,
      however, that in the event such prior vesting provisions do again become
      applicable, (i) the nonforfeitable accrued benefit of any Participant or
      Beneficiary shall not be reduced and (ii) any Participant with three years
      of service may elect to continue to have his nonforfeitable interest in his
      Accrued Benefit determined in accordance with the vesting schedule specified
      in
      Section 18.3.

    

    
      	
              18.3

            	
              Top-Heavy
                Vesting 

            

    

    

    If
      the
      Plan is determined to be a top-heavy plan, an Employee's nonforfeitable right
      to
      a percentage of the accrued portion of his monthly normal retirement benefit
      shall be determined no less rapidly than in accordance with the following
      vesting schedule.

     

     

    
      
        
        

      

      
        61

        
          

        

      

      
        
        

      

    

     

    

    
      	
               

              Years
                of Service

               

            	
               

              Vested
                Interest

               

            
	
               

              less
                than 2

               

            	
               

              0%

               

            
	
               

              2,
                but less than 3

               

            	
               

              20%

               

            
	
               

              3,
                but less than 4

               

            	
               

              40%

               

            
	
               

              4,
                but less than 5

               

            	
               

              60%

               

            
	
               

              5
                or more

               

            	
               

              100%

               

            

    

    

    
      	
              18.4

            	
              Minimum
                Top-Heavy Benefit 

            

    

    

    If
      the
      Plan is determined to be a top-heavy plan, the annual normal retirement benefit
      of an Employee who is a non-key employee and who is eligible therefore, payable
      in the form of a single life annuity beginning at his Normal Retirement Date,
      shall not be less than such Employee's average compensation for years in the
      testing period multiplied by the lesser of:

    

    
      	
              (a)

            	
              Two
                percent multiplied by his years of Service;
                or

            

    

    

    
      	
              (b)

            	
              20
                percent.

            

    

    

    For
      purposes of this Article, "years of Service" shall only include years of Service
      completed after December 31, 1983, but shall not include any such year of
      Service with an Employer if the Plan was not a top-heavy plan with respect
      to
      the Plan Year ending within such year of Service. For purposes of satisfying
      the
      minimum benefit requirements of Code Section 416(c)(1) and the Plan, in
      determining years of Service with an Employer or an Affiliated Company, any
      Service with the Employer or Affiliated Company shall be disregarded to the
      extent that such Service occurs during a Plan Year when the Plan benefits
      (within the meaning of Code Section 410(b)) no key employee or former key
      employee.

    

    Any
      minimum benefit required by this Section 18.4 shall be made without regard
      to the number of Hours of Service credited to an Employee for a Plan Year and
      without regard to any Social Security contribution made by his Employer on
      behalf of the Employee and without regard to whether the non-key employee was
      employed on a specific date. In the event the Plan is part of a required
      aggregation group in which another top-heavy plan is included, non-key employees
      who are also covered under such other top-heavy plan shall not receive minimum
      top-heavy benefits under both top-heavy plans. Such non-key employees shall
      receive the minimum top-heavy benefit provided under the Plan in lieu of the
      minimum top-heavy benefit or allocation provided under such other top-heavy
      plan.

     

     

    
      
        
        

      

      
        62

        
          

        

      

      
        
        

      

    

    

    

    *
      *
      *

    

    EXECUTED
      AT Houston, Texas, this 25th
      day of
      April, 2003.

    

    

    WEINGARTEN
      REALTY INVESTORS

    

    

    

    By:
      /s/ John Stacy                

          
John
      Stacy

    Title:

     

     

    63Exhibit 10.30

    EXHIBIT
      10.30

    

    THIRD
      AMENDMENT TO

    THE
      WEINGARTEN REALTY PENSION PLAN

    R
      E C I T A L S:

     

    A. WHEREAS,
      Weingarten
      Realty Investors
      (the
“Employer”) has previously established the Weingarten
      Realty Pension Plan
      (the
“Plan”) for the benefit of those employees who qualify thereunder and for their
      Beneficiaries; 

     

    B. WHEREAS,
      the
      Employer desires to amend Plan provisions to reflect changes to Internal Revenue
      Code Section 415 made by the Pension Funding Equity Act of 2004;

     

    C. WHEREAS,
      the
      Employer desires to amend Plan provisions to reflect changes made to Internal
      Revenue Code Section 401(a)(9) by final and temporary Treasury Regulations
      promulgated pursuant to such Code Section in 2002; 

     

    NOW,
      THEREFORE,
      pursuant to Section 16.1 of the Plan, the following amendment is hereby made
      and
      shall be effective as stated herein. 

     

    Article
      I.
      Model Amendment for Compliance with 2002 final and temporary Treasury
      Regulations promulgated under Code Section 401(a)(9).

     

    
      	1.  	
              General
                Rules

            

    

     

    
      	1.1  	
              Effective
                Date.
                The provisions of this Article apply for purposes of determining
                required
                minimum distributions for calendar years beginning with the 2003
                calendar
                year.

            

    

     

    
      	1.2  	
              Precedence.
                The requirements of this Article will take precedence over any
                inconsistent provisions of the
                Plan.

            

    

     

    
      	1.3  	
              Requirements
                of Treasury Regulations Incorporated.
                All distributions required under this Article will be determined
                and made
                in accordance with the Treasury Regulations under Section 401(a)(9)
                of the
                Internal Revenue Code.

            

    

     

    
      	1.4  	
              TEFRA
                Section 242(b)(2) Elections.
                Notwithstanding the other provisions of this Article, other than
                Section
                1.3, distributions may be made under a designation made before January
                1,
                1984, in accordance with Section 242(b)(2) of the Tax Equity and
                Fiscal
                Responsibility Act (TEFRA) and the provisions of the Plan that relate
                to
                Section 242(b)(2) of TEFRA.

            

    

     

    
      	2.  	
              Time
                and Manner of
                Distribution.

            

    

     

    
      	2.1  	
              Required
                Beginning Date.
                The Participant’s entire interest will be distributed, or begin to be
                distributed, to the Participant no later than the Participant’s required
                beginning date.

            

    

     

     

    
      
        
        

      

      
        1

        
          

        

      

      
        
        

      

    

     

     

    
      	2.2  	
              Death
                of Participant Before Distributions Begin.
                If the Participant dies before distributions begin, the Participant’s
                entire interest will be distributed, or begin to be distributed,
                no later
                than as follows:

            

    

     

    
      	(a)  	
              If
                the Participant’s surviving spouse is the Participant’s sole designated
                Beneficiary, then distributions to the surviving spouse will begin
                by
                December 31 of the calendar year immediately following the calendar
                year
                in which the Participant died, or by December 31 of the calendar
                year in
                which the Participant would have attained age 70 1⁄2, if
                later.

            

    

     

    
      	(b)  	
              If
                the Participant’s surviving spouse is not the Participant’s sole
                designated Beneficiary, then distributions to the designated Beneficiary
                will begin by December 31 of the calendar year immediately following
                the
                calendar year in which the Participant
                died.

            

    

     

    
      	(c)  	
              If
                there is no designated Beneficiary as of September 30 of the year
                following the year of the Participant’s death, the Participant’s entire
                interest will be distributed by December 31 of the calendar year
                containing the fifth anniversary of the Participant’s
                death.

            

    

     

    
      	(d)  	
              If
                the Participant’s surviving spouse is the Participant’s sole designated
                Beneficiary and the surviving spouse dies after the Participant but
                before
                distributions to the surviving spouse begin, this Section 2.2, other
                than
                Section 2.2(a), will apply as if the surviving spouse were the
                Participant.

            

    

     

    For
      purposes of this Section 2.2 and Section 5, distributions are considered to
      begin on the Participant’s required beginning date (or, if Section 2.2(d)
      applies, the date distributions are required to begin to the surviving spouse
      under Section 2.2(a)). If annuity payments irrevocably commence to the
      Participant before the Participant’s required beginning date (or to the
      Participant’s surviving spouse before the date distributions are required to
      begin to the surviving spouse under Section 2.2(a)), the date distributions
      are
      considered to begin is the date distributions actually commence.

     

    
      	2.3  	
              Form
                of Distribution.
                Unless the Participant’s interest is distributed in the form of an annuity
                purchased from an insurance company or in a single sum on or before
                the
                required beginning date, as of the first distribution calendar year
                distributions will be made in accordance with Sections 3, 4 and 5
                of this
                Article. If the Participant’s interest is distributed in the form of an
                annuity purchased from an insurance company, distributions thereunder
                will
                be made in accordance with the requirements of Section 401(a)(9)
                of the
                Code and the Treasury regulations. Any part of the Participant’s interest
                which is in the form of an individual account described in Section
                414(k)
                of the Code will be distributed in a manner satisfying the requirements
                of
                Section 401(a)(9) of the Code and the Treasury regulations that apply
                to
                individual accounts.

            

    

     

     

    
      
        
        

      

      
        2

        
          

        

      

      
        
        

      

    

     

     

    
      	3.  	
              Determination
                of Amount to be Distributed Each
                Year.

            

    

     

    
      	3.1  	
              General
                Annuity Requirements.
                If the Participant’s interest is paid in the form of annuity distributions
                under the Plan, payments under the annuity will satisfy the following
                requirements:

            

    

     

    
      	(a)  	
              the
                annuity distributions will be paid in periodic payments made at intervals
                not longer than one year;

            

    

     

    
      	(b)  	
              the
                distribution period will be over a life (or lives) or over a period
                certain not longer than the period described in Section 4 or
                5;

            

    

     

    
      	(c)  	
              once
                payments have begun over a period certain, the period certain will
                not be
                changed even if the period certain is shorter than the maximum
                permitted;

            

    

     

    
      	(d)  	
              payments
                will either be nonincreasing or increase only as
                follows:

            

    

     

    
      	(1)  	
              by
                an annual percentage increase that does not exceed the annual percentage
                increase in a cost-of-living index that is based on prices of all
                items
                and issued by the Bureau of Labor
                Statistics;

            

    

     

    
      	(2)  	
              to
                the extent of the reduction in the amount of the Participant’s payments to
                provide for a survivor benefit upon death, but only if the Beneficiary
                whose life was being used to determine the distribution period described
                in Section 4 dies or is no longer the Participant’s Beneficiary pursuant
                to a qualified domestic relations order within the meaning of Section
                414(p);

            

    

     

    
      	(3)  	
              to
                provide cash refunds of employee contributions upon the Participant’s
                death; or

            

    

     

    
      	(4)  	
              to
                pay increased benefits that result from a Plan
                amendment.

            

    

     

    
      	3.2  	
              Amount
                Required to be Distributed by Required Beginning Date.
                The amount that must be distributed on or before the Participant’s
                required beginning date (or, if the Participant dies before distributions
                begin, the date distributions are required to begin under Section
                2.2(a)
                or (b)) is the payment that is required for one payment interval.
                The
                second payment need not be made until the end of the next payment
                interval
                even if that payment interval ends in the next calendar year. Payment
                intervals are the periods for which payments are received, e.g.,
                bi-monthly, monthly, semi-annually, or annually. All of the Participant’s
                benefit accruals as of the last day of the first distribution calendar
                year will be included in the calculation of the amount of the annuity
                payments for payment intervals ending on or after the Participant’s
                required beginning date.

            

    

     

    
      	3.3  	
              Additional
                Accruals After First Distribution Calendar Year.
                Any additional benefits accruing to the Participant in a calendar
                year
                after the first distribution calendar year will be distributed beginning
                with the first payment interval ending

            

    

     

     

    
      
        
        

      

      
        3

        
          

        

      

      
        
        

      

    

     

    
       

      
        	 	
                in
                  the calendar year immediately following the calendar year in which
                  such
                  amount accrues.

              

      

       

    

    
      	4.  	
              Requirements
                For Annuity Distributions That Commence During Participant’s
                Lifetime.

            

    

     

    
      	4.1  	
              Joint
                Life Annuities Where the Beneficiary Is Not the Participant’s
                Spouse.
                If the Participant’s interest is being distributed in the form of a joint
                and survivor annuity for the joint lives of the Participant and a
                nonspouse Beneficiary, annuity payments to be made on or after the
                Participant’s required beginning date to the designated Beneficiary after
                the Participant’s death must not at any time exceed the applicable
                percentage of the annuity payment for such period that would have
                been
                payable to the Participant using the table set forth in Q&A-2 of
                Section 1.401(a)(9)-6T of the Treasury regulations. If the form of
                distribution combines a joint and survivor annuity for the joint
                lives of
                the Participant and a nonspouse Beneficiary and a period certain
                annuity,
                the requirement in the preceding sentence will apply to annuity payments
                to be made to the designated Beneficiary after the expiration of
                the
                period certain.

            

    

     

    
      	4.2  	
              Period
                Certain Annuities.
                Unless the Participant’s spouse is the sole designated Beneficiary and the
                form of distribution is a period certain and no life annuity, the
                period
                certain for an annuity distribution commencing during the Participant’s
                lifetime may not exceed the applicable distribution period for the
                Participant under the Uniform Lifetime Table set forth in Section
                1.401(a)(9)-9 of the Treasury regulations for the calendar year that
                contains the annuity starting date. If the annuity starting date
                precedes
                the year in which the Participant reaches age 70, the applicable
                distribution period for the Participant is the distribution period
                for age
                70 under the Uniform Lifetime Table set forth in Section 1.401(a)(9)-9
                of
                the Treasury regulations plus the excess of 70 over the age of the
                Participant as of the Participant’s birthday in the year that contains the
                annuity starting date. If the Participant’s spouse is the Participant’s
                sole designated Beneficiary and the form of distribution is a period
                certain and no life annuity, the period certain may not exceed the
                longer
                of the Participant’s applicable distribution period, as determined under
                this Section 4.2, or the joint life and last survivor expectancy
                of the
                Participant and the Participant’s spouse as determined under the Joint and
                Last Survivor Table set forth in Section 1.401(a)(9)-9 of the Treasury
                regulations, using the Participant’s and spouse’s attained ages as of the
                Participant’s and spouse’s birthdays in the calendar year that contains
                the annuity starting date.

            

    

     

    
      	5.  	
              Requirements
                For Minimum Distributions Where Participant Dies Before Date Distributions
                Begin.

            

    

     

    
      	5.1  	
              Participant
                Survived by Designated Beneficiary.
                If the Participant dies before the date distribution of his or her
                interest begins and there is a designated Beneficiary, the Participant’s
                entire interest will be distributed, beginning no later than the
                time
                described in Section 2.2(a) or (b), over the life of the designated
                Beneficiary or over a period certain not
                exceeding:

            

    

     

     

    
      
        
        

      

      
        4

        
          

        

      

      
        
        

      

    

     

     

    
      	(a)  	
              unless
                the annuity starting date is before the first distribution calendar
                year,
                the life expectancy of the designated Beneficiary determined using
                the
                Beneficiary’s age as of the Beneficiary’s birthday in the calendar year
                immediately following the calendar year of the Participant’s death;
                or

            

    

     

    
      	(b)  	
              if
                the annuity starting date is before the first distribution calendar
                year,
                the life expectancy of the designated Beneficiary determined using
                the
                Beneficiary’s age as of the Beneficiary’s birthday in the calendar year
                that contains the annuity starting
                date.

            

    

     

    
      	5.2  	
              No
                Designated Beneficiary.
                If the Participant dies before the date distributions begin and there
                is
                no designated Beneficiary as of September 30 of the year following
                the
                year of the Participant’s death, distribution of the Participant’s entire
                interest will be completed by December 31 of the calendar year containing
                the fifth anniversary of the Participant’s
                death.

            

    

     

    
      	5.3  	
              Death
                of Surviving Spouse Before Distributions to Surviving Spouse
                Begin.
                If the Participant dies before the date distribution of his or her
                interest begins, the Participant’s surviving spouse is the Participant’s
                sole designated Beneficiary, and the surviving spouse dies before
                distributions to the surviving spouse begin, this Section 5 will
                apply as
                if the surviving spouse were the Participant, except that the time
                by
                which distributions must begin will be determined without regard
                to
                Section 2.2(a).

            

    

     

    
      	6.  	
              Definitions.

            

    

     

    
      	6.1  	
              Designated
                Beneficiary.
                The individual who is designated as the Beneficiary under Section
                9.3 of
                the Plan and is the designated Beneficiary under Section 401(a)(9)
                of the
                Internal Revenue Code and Section 1.401(a)(9)-l, Q&A-4, of the
                Treasury regulations.

            

    

     

    
      	6.2  	
              Distribution
                calendar year.
                A
                calendar year for which a minimum distribution is required. For
                distributions beginning before the Participant’s death, the first
                distribution calendar year is the calendar year immediately preceding
                the
                calendar year which contains the Participant’s required beginning date.
                For distributions beginning after the Participant’s death, the first
                distribution calendar year is the calendar year in which distributions
                are
                required to begin pursuant to Section
                2.2.

            

    

     

    
      	6.3  	
              Life
                expectancy.
                Life expectancy as computed by use of the Single Life Table in Section
                1.401(a)(9)-9 of the Treasury
                regulations.

            

    

     

    
      	6.4  	
              Required
                beginning date.
                The date specified in Section 1.1(ll) of the
                Plan.

            

    

     

    Article
      II.
      Section 12.2 of the Plan is amended by adding the following paragraph at the
      end
      thereof to be and read as follows:

     

    Notwithstanding
      anything in the Plan to the contrary, with respect to the Code Section 415
      limit, for purposes of adjusting the "annual benefit" to a straight life
      annuity, the equivalent "annual benefit" shall be the greater of the equivalent
      "annual benefit" computed using the Plan interest 

     

     

    

    
      
        
        

      

      
        5

        
          

        

      

      
        
        

      

    

     

     

    rate
      and Plan mortality table (or other tabular
      factor) and the equivalent "annual benefit" computed using five percent (5%)
      interest rate assumption and the "Applicable Mortality Table." However, for
      purposes of adjusting the "annual benefit" to a straight life annuity, if the
      "annual benefit" is paid in any form other than a nondecreasing life annuity
      payable for a period not less than the life of a participant or, in the case
      of
      a Pre-Retirement Survivor Annuity, the life of the surviving spouse, then the
      equivalent "annual benefit"" shall be the greater of the equivalent "annual
      benefit" computed using the Plan interest rate and Plan mortality table (or
      other tabular factor) and the equivalent "annual benefit" computed using the
      "Applicable Interest Rate" and the "Applicable Mortality Table." With respect
      to
      plan years beginning in 2004 and 2005, for purposes of adjusting the "annual
      benefit" to a straight life annuity, if the "annual benefit" is paid in any
      form
      other than a nondecreasing life annuity payable for a period not less than
      the
      life of a participant or, in the case of a Pre-Retirement Survivor Annuity,
      the
      life of the surviving spouse, then the equivalent "annual benefit" shall be
      the
      greater of the equivalent "annual benefit" computed using the Plan interest
      rate
      and Plan mortality table (or other tabular factor) and the equivalent "annual
      benefit" computed using five and one-half percent (5.5%) and the "Applicable
      Mortality Table."

     

    IN
      WITNESS WHEREOF,
      the
      Employer has caused the Plan to be amended by this Third Amendment this 23rd
      day
      of December, 2005, to be effective as stated herein. 

     

    

    WEINGARTEN
      REALTY INVESTORS

    

      

      
        	
                By:

              	
                /s/
                  Stephen Richter

              
	
                Name:

              	
                Stephen
                  Richter

              
	
                Title

              	
                Executive
                  VP, CFO

              

      

      
 

    

    

      
        	
                ATTEST

              	 
	 	 
	
                By:

              	 
	
                Name:

              	 
	
                Title

              	 

      

       

       

      6

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