Document:

Exhibit 4.4

Annex A

Replacement Terms and Conditions of Note:

FOR VALUE RECEIVED, the Company promises to pay to Investors., or its registered
assigns (the "Holder"), the principal sum of *********, on December 31, 2005 or
such earlier date as the Notes are required or permitted to be repaid as
provided hereunder (the "Maturity Date") and to pay interest to the Holder on
the aggregate outstanding principal amount of this Note at the rate of 8% per
annum, in cash or shares of Common Stock (as defined in Section 7), on each
Conversion Date (as defined herein) and on the Maturity Date. Subject to the
terms and conditions herein, the decision whether to pay interest hereunder in
shares of Common Stock or cash shall be at the discretion of the Company. Not
less than ten Trading Days (as defined in Section 7) prior to each Conversion
Date, the Company shall provide the Holder with written notice of its election
to pay interest hereunder either in cash or shares of Common Stock pursuant to
the terms of Section 4(a)(i) (the Company may indicate in such notice that the
election contained in such notice shall continue for later periods until
revised). Subject to Section 4(a)(i)(B), failure to timely provide such written
notice shall be deemed an election by the Company to pay the interest on such
Conversion Date in shares of Common Stock pursuant to the terms of Section
4(a)(i). Interest shall be calculated on the basis of a 360-day year and shall
accrue daily commencing on the date of the delivery of the notice to replace the
terms of the Note dated as of December 31, 2001 with the terms and conditions
hereof until payment in full of the principal sum, together with all accrued and
unpaid interest and other amounts which may become due hereunder, has been made.
Interest hereunder will be paid to the Person (as defined in Section 7) in whose
name this Note is registered on the records of the Company regarding
registration and transfers of Notes (the "Note Register"). All overdue accrued
and unpaid interest to be paid in cash hereunder shall entail a late fee at the
rate of 18% per annum (or such lower maximum amount of interest permitted to be
charged under applicable law) (to accrue daily, from the date such interest is
due hereunder through and including the date of payment), payable in cash.

This Note is subject to the following additional provisions:

Section 1. This Note is exchangeable for an equal aggregate principal amount of
Notes of different authorized denominations of at least $50,000 (or such lesser
principal amount as shall then be outstanding under this Note), as requested by
the Holder surrendering the same. No service charge will be made for such
registration of transfer or exchange.

Section 2. This Note may be transferred or exchanged only in compliance with the
Exchange Agreement (as defined in Section 7). Prior to due presentment to the
Company for transfer of this Note, the Company and any agent of the Company may
treat the Person (as defined in Section 7) in whose name this Note is duly
registered on the Note Register as the owner hereof for the purpose of receiving
payment as herein provided and for all other purposes, whether or not this Note
is overdue, and neither the Company nor any such agent shall be affected by
notice to the contrary.

Section 3. Events of Default.

(a) "Event of Default", wherever used herein, means any one of the following
events (whatever the reason and whether it shall be voluntary or involuntary or
effected by operation of law or pursuant to any judgment, decree or order of any
court, or any order, rule or regulation of any administrative or governmental
body):

(i) any default in the payment of the principal of, interest on or liquidated
damages in respect of, any Notes (other than a failure to pay the Put Price (as,
defined in Section 7), the remedy of which is contained in Section 7), free of
any claim of subordination, within five days of the date the same shall become
due and payable (whether on a Conversion Date or the Maturity Date or by
acceleration or otherwise);

(ii) the Company shall fail to observe or perform any other covenant, agreement
or warranty contained in, or otherwise commit any breach of any of the
Transaction Documents (as defined in Section 7) (including, without limitation,
pursuant to Section 5(a) of the Exchange Agreement) other than such covenants or
agreements which are the specific subject of another Event of Default under this
Section 3, and such failure or breach shall not have been remedied within twenty
days after the date on which notice of such failure or breach shall have been
given;

(iii) the Company or any of its subsidiaries shall commence, or there shall be
commenced against the Company or any such subsidiary a case under any applicable
bankruptcy or insolvency laws as now or hereafter in effect or any successor
thereto, or the Company commences any other proceeding under any reorganization,
arrangement, adjustment of debt, relief of debtors, dissolution, insolvency or
liquidation or similar law of any jurisdiction whether now or hereafter in
effect relating to the Company or any subsidiary thereof or there is commenced
against the Company or any subsidiary thereof any such bankruptcy, insolvency or
other proceeding which remains undismissed for a period of 60 days; or the
Company or any subsidiary thereof is adjudicated insolvent or bankrupt; or any
order of relief or other order approving any such case or proceeding is entered;
or the Company or any subsidiary thereof suffers any appointment of any
custodian or the like for it or any substantial part of its property which
continues undischarged or unstayed for a period of 60 days; or the Company or
any subsidiary thereof makes a general assignment for the benefit of creditors;
or the Company shall fail to pay, or shall state that it is unable to pay, or
shall be unable to pay, its debts generally as they become due; or the Company
or any subsidiary thereof shall call a meeting of its creditors with a view to
arranging a composition, adjustment or restructuring of its debts; or the
Company or any subsidiary thereof shall by any act or failure to act expressly
indicate its consent to, approval of or acquiescence in any of the foregoing; or
any corporate or other action is taken by the Company or any subsidiary thereof
for the purpose of effecting any of the foregoing;

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(iv) the Company shall default in any of its obligations under any mortgage,
credit agreement or other facility, indenture agreement, factoring agreement or
other instrument under which there may be issued, or by which there may be
secured or evidenced any indebtedness for borrowed money or money due under any
long term leasing or factoring arrangement of the Company in an amount exceeding
one hundred thousand dollars ($100,000), whether such indebtedness now exists or
shall hereafter be created and such default shall result in such indebtedness
becoming or being declared due and payable prior to the date on which it would
otherwise become due and payable;

(v) the Common Stock shall not be eligible for quotation on and quoted for
trading on the OTC Bulletin Board ("OTC") or listed for trading on the Nasdaq
SmallCap Market, New York Stock Exchange, American Stock Exchange or the Nasdaq
National Market (each, a "Subsequent Market") and shall not again be eligible
for and quoted or listed for trading thereon within twelve Trading Days;

(vi) the Company shall be a party to any Change of Control Transaction (as
defined in Section 7), shall agree to sell or dispose all or in excess of 40% of
its assets in one or more transactions (whether or not such sale would
constitute a Change of Control Transaction), or shall redeem or repurchase more
than a de minimis number of shares of Common Stock or other equity securities of
the Company (other than redemptions of Underlying Shares (as defined in Section
7));

(vii) the New Registration Statement (as defined in the Exchange Agreement) (if
any) shall not have been declared effective by the Commission (as defined in
Section 7) on or prior to the 90 th day immediately following the Effective Date
(as defined in the Exchange Agreement);

(viii) the effectiveness of the New Registration Statement (if any) lapses for
any reason or the Holder shall not be permitted to resell Underlying Shares
(exclusively for purposes of this subparagraph 3(a)(viii), as defined in the
Exchange Agreement) under the New Registration Statement (if any), in either
case, for more than twenty Trading Days (which need not be consecutive Trading
Days);

(ix) the Company shall fail for any reason to deliver certificates to a Holder
prior to the twelfth day after a Conversion Date pursuant to and in accordance
with Section 4(b) or the Company shall provide notice to the Holder, including
by way of public announcement, at any time, of its intention not to comply with
requests for conversions of any Notes in accordance with the terms hereof; or

(x) the Company shall fail for any reason to deliver the payment in cash
pursuant to a Buy-In (as defined herein) within seven days after notice is
delivered hereunder.

(b) During the time that any portion of this Note remains outstanding, if any
Event of Default occurs and is continuing, the full principal amount of this
Note (and, at the Holder's option, all other Notes then held by such Holder),
together with interest and other amounts owing in respect thereof, to the date
of acceleration shall at the written election of the Holders become, immediately
due and payable in cash in accordance with the following sentence. The aggregate
amount payable upon an Event of Default shall be equal to the sum of (i) the
Mandatory Prepayment Amount (as defined in Section 7) plus (ii) the product of
(A) the number of Underlying Shares issued in respect of conversions hereunder
within thirty days prior to the date of a declaration of an Event of Default and
then held by the Holder and (B) the Per Share Market Value (as defined in
Section 7) on the date prepayment is due or the date the full prepayment price
is paid, whichever is greater. Interest shall accrue on the prepayment amount
hereunder from the seventh day after such amount is due (being the date of an
Event of Default) through the date of prepayment in full thereof at the rate of
18% per annum (or such lesser maximum amount that is permitted to be paid by
applicable law), to accrue daily from the date such payment is due hereunder
through and including the date of payment. All Notes and Underlying Shares for
which the full prepayment price hereunder shall have been paid in accordance
herewith shall promptly be surrendered to or as directed by the Company. The
Holder need not provide and the Company hereby waives any presentment, demand,
protest or other notice of any kind, and the Holder may immediately and without
expiration of any grace period (other than such grace period as may be specified
within a particular Event of Default) enforce any and all of its rights and
remedies hereunder and all other remedies available to it under applicable law.
Any such declaration may be rescinded and annulled by Holder at any time prior
to payment hereunder. No such rescission or annulment shall affect any
subsequent Event of Default or impair any right consequent thereon.

Section 4. Conversion.

(a) (i) Conversion at Option of Holder. (A) This Note shall be convertible into
shares of Common Stock at the option of the Holder at any time and from time to
time following the Original Issue Date (as defined in Section 7). The number of
shares of Common Stock issuable upon a conversion hereunder shall be determined
by adding the sum of (i) the quotient obtained by dividing (x) the outstanding
principal amount of this Note to be converted and (y) the Conversion Price (as
defined herein), and (ii) the amount equal to the product of (x) the outstanding
principal amount of this Note to be converted and (y)(I) the product of (1) the
quotient obtained by dividing .08 by 360 and (2) the number of days for which
such principal amount was outstanding, divided by (II) the Conversion Price on
the Conversion Date, provided, that if the Company shall have timely elected to
pay the interest due on a Conversion Date in cash pursuant to the terms hereof,
subsection (ii) shall not be used in the calculation of the number of shares of
Common Stock issuable upon a conversion hereunder.

(B) Notwithstanding anything to the contrary contained herein, if on any
Conversion Date or on the Maturity Date:

(1) the number of shares of Common Stock at the time authorized, unissued and
unreserved for all purposes, or held as treasury stock, is insufficient to pay
interest hereunder in shares of Common Stock;

(2) such shares of Common Stock (x) are not registered for resale pursuant to an
effective registration statement and (y) after April 3, 2002, may not be sold
without volume restrictions pursuant to Rule 144(k) promulgated under the
Securities Act (as defined in Section 7), as determined by counsel to the
Company pursuant to a written opinion letter, addressed to the Company's
transfer agent in the form and substance acceptable to the applicable Holder and
such transfer agent;

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(3) the Common Stock is not listed or quoted on the OTC or on a Subsequent
Market;

(4) the Company has failed to timely satisfy its conversion obligations
hereunder; or

(5) the issuance of such shares of Common Stock would result in a violation of
Sections 4(a)(iii)(1) and (2), then, at the option of the Holder, the Company,
in lieu of delivering shares of Common Stock pursuant to Section 4(a)(i)(A)(ii),
shall deliver, within three Trading Days of each applicable Conversion Date, an
amount in cash equal to the product of (a) the outstanding principal amount of
the Notes to be converted on such Conversion Date and (b) the product of (x) the
quotient obtained by dividing .08 by 360 and (y) the number of days for which
such principal amount was outstanding.

(C) The Holder shall effect conversions by surrendering the Notes (or such
portions thereof) to be converted, together with the form of conversion notice
attached hereto as Exhibit A (a "Conversion Notice") to the Company. Each
Conversion Notice shall specify the principal amount of Notes to be converted,
the principal amount of Notes subsequent to the conversion at hand and the date
on which such conversion is to be effected, which date may not be prior to the
date such Conversion Notice is delivered hereunder (a "Conversion Date"). If no
Conversion Date is specified in a Conversion Notice, the Conversion Date shall
be the date that such Conversion Notice is delivered hereunder. Subject to
Section 4(b), each Conversion Notice, once given, shall be irrevocable. If the
Holder is converting less than all of the principal amount represented by the
Note(s) tendered by the Holder with the Conversion Notice, or if a conversion
hereunder cannot be effected in full for any reason, the Company shall honor
such conversion to the extent permissible hereunder and shall promptly deliver
to such Holder (in the manner and within the time set forth in Section 4(b)) a
new Note for such principal amount as has not been converted.

(ii) [Intentionally omitted].

(iii) Certain Conversion Restrictions.

(1) Notwithstanding anything to the contrary contained herein, the number of
shares of Common Stock that may be acquired by the Holder upon any conversion of
this Note (or otherwise in respect hereof) shall be limited to ensure that,
following such conversion (or other issuance), the total number of shares of
Common Stock then beneficially owned by such Holder and its Affiliates and any
other Persons whose beneficial ownership of Common Stock would be aggregated
with the Holder's for purposes of Section 13(d) of the Exchange Act, does not
exceed 4.999% of the total number of issued and outstanding shares of Common
Stock (including for such purpose the shares of Common Stock issuable upon such
conversion). For such purposes, beneficial ownership shall be determined in
accordance with Section 13(d) of the Exchange Act and the rules and regulations
promulgated thereunder. Each delivery of a Conversion Notice by the Holder will
constitute a representation by the Holder that it has evaluated the limitation
set forth in this paragraph and determined that issuance of the full number of
Underlying Shares requested in such Conversion Notice is permitted under this
paragraph. By written notice to the Company, the Holder may waive the provisions
of this Section, but (i) any such waiver will not be effective until the 61st
day after such notice is delivered to the Company, and (ii) any such waiver will
apply only to the Holder and not to any other holder of Notes.

(2) Notwithstanding anything to the contrary contained herein, the number of
shares of Common Stock that may be acquired by the Holder upon any conversion of
this Note (or otherwise in respect hereof) shall be limited to ensure that,
following such conversion (or other issuance), the total number of shares of
Common Stock then beneficially owned by such Holder and its Affiliates and any
other Persons whose beneficial ownership of Common Stock would be aggregated
with the Holder's for purposes of Section 13(d) of the Exchange Act, does not
exceed 9.999% of the total number of issued and outstanding shares of Common
Stock (including for such purpose the shares of Common Stock issuable upon such
conversion). For such purposes, beneficial ownership shall be determined in
accordance with Section 13(d) of the Exchange Act and the rules and regulations
promulgated thereunder. Each delivery of a Conversion Notice by the Holder will
constitute a representation by the Holder that it has evaluated the limitation
set forth in this paragraph and determined that issuance of the full number of
Underlying Shares requested in such Conversion Notice is permitted under this
paragraph. By written notice to the Company, the Holder may waive the provisions
of this Section, but (i) any such waiver will not be effective until the 61st
day after such notice is delivered to the Company, and (ii) any such waiver will
apply only to the Holder and not to any other holder of Notes.

(b) (i) Not later than three Trading Days after any Conversion Date, the Company
will deliver to the Holder (i) a certificate or certificates which shall be free
of restrictive legends and trading restrictions representing the number of
shares of Common Stock being acquired upon the conversion of Notes (subject to
the limitations set forth in Section 4(a)(iii) hereof) and (ii) a bank check in
the amount of accrued and unpaid interest (if the Company has timely elected or
is required to pay accrued interest in cash), provided, that the Company shall
not be obligated to issue certificates evidencing the shares of Common Stock
issuable upon conversion of the principal amount of Notes until Notes are
delivered for conversion to the Company, or the Holder notifies the Company that
such Notes have been lost, stolen or destroyed and provides a bond (or other
adequate security) reasonably satisfactory to the Company to indemnify the
Company from any loss incurred by it in connection therewith. The Company shall,
upon request of the Holder, if available, use its reasonable best efforts to
deliver any certificate or certificates required to be delivered by the Company
under this Section electronically through the Depository Trust Corporation or
another established clearing corporation performing similar functions. If in the
case of any Conversion Notice such certificate or certificates are not delivered
to or as directed by the applicable Holder by the third Trading Day after a
Conversion Date, the Holder shall be entitled by written notice to the Company
at any time on or before its receipt of such certificate or certificates
thereafter, to rescind such conversion, in which event the Company shall
immediately return the certificates representing the principal amount of Notes
tendered for conversion.

(ii) If the Company fails to deliver to the Holder such certificate or
certificates pursuant to Section 4(b)(i) by the third Trading Day after the
Conversion Date, the Company shall pay to such Holder, in cash, as liquidated
damages and not as a penalty, $4,000 for each Trading Day after

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such third Trading Day until such certificates are delivered. Nothing herein
shall limit a Holder's right to pursue actual damages or declare an Event of
Default pursuant to Section 3 for the Company's failure to deliver certificates
representing shares of Common Stock upon conversion within the period specified
herein and such Holder shall have the right to pursue all remedies available to
it at law or in equity including, without limitation, a decree of specific
performance and/or injunctive relief. Further, if the Company shall not have
delivered any cash due in respect of conversions of Notes or as payment of
interest thereon by the third Trading Day after the Conversion Date, the Holder
may, by notice to the Company, require the Company to issue shares of Common
Stock pursuant to Section 4(c), except that for such purpose the Conversion
Price applicable thereto shall be the lesser of the Conversion Price on the
Conversion Date and the Conversion Price on the date of such Holder demand. Any
such shares will be subject to the provision of this Section.

(iii) In addition to any other rights available to the Holder, if the Company
fails to deliver to the Holder such certificate or certificates pursuant to
Section 4(b)(i) by the third Trading Day after the Conversion Date, and if after
such third Trading Day the Holder purchases (in an open market transaction or
otherwise) Common Stock to deliver in satisfaction of a sale by such Holder of
the Underlying Shares which the Holder anticipated receiving upon such
conversion (a "Buy-In"), then the Company shall (A) pay in cash to the Holder
(in addition to any remedies available to or elected by the Holder) the amount
by which (x) the Holder's total purchase price (including brokerage commissions,
if any) for the Common Stock so purchased exceeds (y) the product of (1) the
aggregate number of shares of Common Stock that such Holder anticipated
receiving from the conversion at issue multiplied by (2) the market price of the
Common Stock at the time of the sale giving rise to such purchase obligation and
(B) at the option of the Holder, either reissue Notes in principal amount equal
to the principal amount of the attempted conversion or deliver to the Holder the
number of shares of Common Stock that would have been issued had the Company
timely complied with its delivery requirements under Section 4(b)(i). For
example, if the Holder purchases Common Stock having a total purchase price of
$11,000 to cover a Buy-In with respect to an attempted conversion of Notes with
respect to which the market price of the Underlying Shares on the date of
conversion was a total of $10,000 under clause (A) of the immediately preceding
sentence, the Company shall be required to pay the Holder $1,000. The Holder
shall provide the Company written notice indicating the amounts payable to the
Holder in respect of the Buy-In. Notwithstanding anything contained herein to
the contrary, if a Holder requires the Company to make payment in respect of a
Buy-In for the failure to timely deliver certificates hereunder and the Company
timely pays in full such payment, the Company shall not be required to pay such
Holder liquidated damages under Section 4(b)(ii) in respect of the certificates
resulting in such Buy-In.

(c) (i) The conversion price in effect on any Conversion Date (the "Conversion
Price") shall be the lesser of (1) $0.50 (the "Initial Conversion Price"), and
(2) 88% of the average of the five lowest Per Share Market Values during the
thirty Trading Days immediately preceding the applicable Conversion Date,
provided, that such number of Trading Days counted for calculation of the
Conversion Price may include Per Share Market Values for up to thirty Trading
Days prior to the date on which Conversion Notices may first be delivered
hereunder and that such thirty Trading Day period shall be extended for the
number of Trading Days during such period in which (A) trading in the Common
Stock is suspended by the OTC or a Subsequent Market on which the Common Stock
is then listed, or (B) the New Registration Statement (if any) is not effective,
or (C) the Prospectus included in the New Registration Statement (if any) may
not be used by the Holder for the resale of Underlying Shares.

(ii) If the Company, at any time while any Notes are outstanding, (a) shall pay
a stock dividend or otherwise make a distribution or distributions on shares of
its Common Stock or any other equity or equity equivalent securities payable in
shares of Common Stock, (b) subdivide outstanding shares of Common Stock into a
larger number of shares, (c) combine (including by way of reverse stock split)
outstanding shares of Common Stock into a smaller number of shares, or (d) issue
by reclassification of shares of the Common Stock any shares of capital stock of
the Company, then the Initial Conversion Price shall be multiplied by a fraction
of which the numerator shall be the number of shares of Common Stock (excluding
treasury shares, if any) outstanding before such event and of which the
denominator shall be the number of shares of Common Stock outstanding after such
event. Any adjustment made pursuant to this Section shall become effective
immediately after the record date for the determination of stockholders entitled
to receive such dividend or distribution and shall become effective immediately
after the effective date in the case of a subdivision, combination or
re-classification. In any case in which an adjustment under this Section
4(c)(ii) or Section 4(c)(iv) is required to be made effective as of the record
date for a specified event, if a Conversion Notice is delivered after such
record date and prior to the occurrence of the event, the Company may elect to
defer until the occurrence of such event (provided, that if such event does not
occur, then such additional shares shall not be issued) issuing to the Holder
the shares of Common Stock, if any, in respect thereof over and above the number
of shares of Common Stock issuable upon such conversion on the basis of the
Initial Conversion Price prior to adjustment, provided that the Company shall
have delivered to the Holder a due bill or other appropriate instrument
reasonably acceptable to the Holder evidencing the Holder's right to receive
such additional shares of Common Stock upon the occurrence of the event
requiring such adjustment.

(iii) If the Company, at any time while any Notes are outstanding, shall issue
rights, options or warrants to all holders of Common Stock (and not to Holders)
entitling them to subscribe for or purchase shares of Common Stock at a price
per share less than the Per Share Market Value at the record date mentioned
below, then the Conversion Price shall be multiplied by a fraction, of which the
denominator shall be the number of shares of the Common Stock (excluding
treasury shares, if any) outstanding on the date of issuance of such rights or
warrants plus the number of additional shares of Common Stock offered for
subscription or purchase, and of which the numerator shall be the number of
shares of the Common Stock (excluding treasury shares, if any) outstanding on
the date of issuance of such rights or warrants plus the number of shares which
the aggregate offering price of the total number of shares so offered would
purchase at such Per Share Market Value. Such adjustment shall be made whenever
such rights or warrants are issued, and shall become effective immediately after
the record date for the determination of stockholders entitled to receive such
rights, options or warrants. However, upon the expiration of any such right,
option or warrant to purchase shares of the Common Stock the issuance of which
resulted in an adjustment in the Conversion Price pursuant to this Section, if
any such right, option or warrant shall expire and shall not have been
exercised, the Conversion Price shall immediately upon such expiration be
recomputed and effective immediately upon such expiration be increased to the
price which it would have been (but reflecting any other adjustments in the
Conversion Price made pursuant to the provisions of this Section after the
issuance of such rights or warrants) had the adjustment of the Conversion Price
made upon the issuance of such rights, options or warrants been made on the
basis of offering for subscription or purchase only that number of shares of the
Common Stock actually purchased upon the exercise of such rights, options or
warrants actually exercised.

<PAGE>

(iv) If the Company or any subsidiary thereof, as applicable with respect to
Common Stock Equivalents (as defined below), at any time while Notes are
outstanding, shall issue shares of Common Stock or rights, warrants, options or
other securities or debt that are convertible into or exchangeable for shares of
Common Stock ("Common Stock Equivalents") entitling any Person to acquire shares
of Common Stock at a price per share less than the Conversion Price (if the
holder of the Common Stock or Common Stock Equivalent so issued shall at any
time, whether by operation of purchase price adjustments, reset provisions,
floating conversion, exercise or exchange prices or otherwise, or due to
warrants, options or rights issued in connection with such issuance, be entitled
to receive shares of Common Stock at a price less than the Conversion Price,
such issuance shall be deemed to have occurred for less than the Conversion
Price), then the Conversion Price shall be multiplied by a fraction, the
numerator of which shall be the number of shares of Common Stock outstanding
immediately prior to the issuance of such shares of Common Stock or such Common
Stock Equivalents plus the number of shares of Common Stock which the offering
price for such shares of Common Stock or Common Stock Equivalents would purchase
at the Conversion Price, and the denominator of which shall be the sum of the
number of shares of Common Stock outstanding immediately prior to such issuance
plus the number of shares of Common Stock so issued or issuable, provided, that
for purposes hereof, all shares of Common Stock that are issuable upon
conversion, exercise or exchange of Common Stock Equivalents shall be deemed
outstanding immediately after the issuance of such Common Stock Equivalents.
Such adjustment shall be made whenever such shares of Common Stock or Common
Stock Equivalents are issued. However, upon the expiration of any Common Stock
Equivalents the issuance of which resulted in an adjustment in the Conversion
Price pursuant to this Section, if any such Common Stock Equivalents shall
expire and shall not have been exercised, the Conversion Price shall immediately
upon such expiration be recomputed and effective immediately upon such
expiration be increased to the price which it would have been (but reflecting
any other adjustments in the Conversion Price made pursuant to the provisions of
this Section after the issuance of such Common Stock Equivalents) had the
adjustment of the Conversion Price made upon the issuance of such Common Stock
Equivalents been made on the basis of offering for subscription or purchase only
that number of shares of Common Stock actually purchased upon the exercise of
such Common Stock Equivalents actually exercised. Notwithstanding the foregoing,
the following shall not be deemed to be Common Stock Equivalents: (i) issuances
pursuant to a grant or exercise of stock or options which may hereafter be
granted or exercised under any employee benefit plan of the Company now existing
or to be implemented in the future; (ii) securities issued pursuant to an
underwritten public offering by the Company (and not of any securities of a
shareholder of the Company other than up to 4% of the holdings of the Chief
Executive Officer of the Company if such participation is required by the rules
and regulations of the stock market on which such offering will take place or by
the rules and regulations of the securities authority governing such stock
market) resulting in gross proceeds to the Company of not less than $10,000,000,
where the price per share of Common Stock offered is fixed and the underwriter
is an investment bank nationally recognized in the United States of America (if
the offering is to be conducted in the United States of America or in Great
Britain (if the offering is to be conducted in Great Britain) ("equity lines of
credit" or their equivalents shall not satisfy this exception), (iii) up to
1,000,000 shares of Common Stock issued in an offering not subject to the
registration requirements of the Securities Act at a fixed price of not less
than $3.50 (with no direct or indirect adjustments permissible to such fixed
price at the closing or over time), (iv) issuance pursuant to a private
placement to Hollinger International, Inc., and (v) shares of Common Stock
issued as payment of the purchase price in connection with a Strategic
Transaction. For purposes of this Section, a "Strategic Transaction" shall mean
a transaction or relationship in which the Company issues shares of Common Stock
to an entity which is, itself or through its subsidiaries, an operating company
in a business related to the business of the Company and in which the Company
receives material benefits in addition to the investment of funds, but shall not
include a transaction in which the Company is issuing securities primarily for
the purpose of raising capital.

(v) If the Company, at any time while Notes are outstanding, shall distribute to
all holders of Common Stock (and not to Holders) evidences of its indebtedness
or assets or rights or warrants to subscribe for or purchase any security, then
in each such case the Conversion Price at which Notes shall thereafter be
convertible shall be determined by multiplying the Conversion Price in effect
immediately prior to the record date fixed for determination of stockholders
entitled to receive such distribution by a fraction of which the denominator
shall be the Per Share Market Value determined as of the record date mentioned
above, and of which the numerator shall be such Per Share Market Value on such
record date less the then fair market value at such record date of the portion
of such assets or evidence of indebtedness so distributed applicable to one
outstanding share of the Common Stock as determined by the Board of Directors in
good faith. In either case the adjustments shall be described in a statement
provided to the Holders of the portion of assets or evidences of indebtedness so
distributed or such subscription rights applicable to one share of Common Stock.
Such adjustment shall be made whenever any such distribution is made and shall
become effective immediately after the record date mentioned above.

(vi) In case of any reclassification of the Common Stock or any compulsory share
exchange pursuant to which the Common Stock is converted into other securities,
cash or property, the Holders shall have the right thereafter to, at their
option, (A) convert the then outstanding principal amount, together with all
accrued but unpaid interest and any other amounts then owing hereunder in
respect of this Note only into the shares of stock and other securities, cash
and property receivable upon or deemed to be held by holders of the Common Stock
following such reclassification or share exchange, and the Holders of the Notes
shall be entitled upon such event to receive such amount of securities, cash or
property as the shares of the Common Stock of the Company into which the then
outstanding principal amount, together with all accrued but unpaid interest and
any other amounts then owing hereunder in respect of this Note could have been
converted immediately prior to such reclassification or share exchange would
have been entitled or (B) require the Company to prepay the aggregate of its
outstanding principal amount of Notes, plus all interest and other amounts due
and payable thereon, at a price determined in accordance with Section 3(b). The
entire prepayment price shall be paid in cash. This provision shall similarly
apply to successive reclassifications or share exchanges.

(vii) All calculations under this Section 4 shall be made to the nearest cent or
the nearest 1/100th of a share, as the case may be. Any adjustments which by
reason of this Section are not required to be made shall be carried forward and
taken into account in any subsequent adjustment.

(viii) Whenever either the Initial Conversion Price or the Conversion Price is
adjusted pursuant to any of Section 4(c)(ii) - (v), the Company shall promptly
mail to each Holder a notice setting forth the Initial Conversion Price or
Conversion Price (as applicable) after such adjustment and setting forth a brief
statement of the facts requiring such adjustment.

<PAGE>

(ix) If (A) the Company shall declare a dividend (or any other distribution) on
the Common Stock; (B) the Company shall declare a special nonrecurring cash
dividend on or a redemption of the Common Stock; (C) the Company shall authorize
the granting to all holders of the Common Stock rights or warrants to subscribe
for or purchase any shares of capital stock of any class or of any rights; (D)
the approval of any stockholders of the Company shall be required in connection
with any reclassification of the Common Stock, any consolidation or merger to
which the Company is a party, any sale or transfer of all or substantially all
of the assets of the Company, of any compulsory share exchange whereby the
Common Stock is converted into other securities, cash or property; (E) the
Company shall authorize the voluntary or involuntary dissolution, liquidation or
winding up of the affairs of the Company; then, in each case, the Company shall
cause to be filed at each office or agency maintained for the purpose of
conversion of the Notes, and shall cause to be mailed to the Holders at their
last addresses as they shall appear upon the stock books of the Company, at
least 20 calendar days prior to the applicable record or effective date
hereinafter specified, a notice stating (x) the date on which a record is to be
taken for the purpose of such dividend, distribution, redemption, rights or
warrants, or if a record is not to be taken, the date as of which the holders of
the Common Stock of record to be entitled to such dividend, distributions,
redemption, rights or warrants are to be determined or (y) the date on which
such reclassification, consolidation, merger, sale, transfer or share exchange
is expected to become effective or close, and the date as of which it is
expected that holders of the Common Stock of record shall be entitled to
exchange their shares of the Common Stock for securities, cash or other property
deliverable upon such reclassification, consolidation, merger, sale, transfer or
share exchange, provided, that the failure to mail such notice or any defect
therein or in the mailing thereof shall not affect the validity of the corporate
action required to be specified in such notice. Holders are entitled to convert
Notes during the 20-day period commencing the date of such notice to the
effective date of the event triggering such notice.

(x) In case of any (1) merger or consolidation of the Company with or into
another Person, or (2) sale by the Company of more than one-half of the assets
of the Company (on an as valued basis) in one or a series of related
transactions, a Holder shall have the right to (A) if permitted under Section
3(b) hereof, exercise its rights of prepayment under Section 3(b) with respect
to such event, (B) convert its aggregate principal amount of Notes then
outstanding into the shares of stock and other securities, cash and property
receivable upon or deemed to be held by holders of Common Stock following such
merger, consolidation or sale, and such Holder shall be entitled upon such event
or series of related events to receive such amount of securities, cash and
property as the shares of Common Stock into which such aggregate principal
amount of Notes could have been converted immediately prior to such merger,
consolidation or sales would have been entitled, or (C) in the case of a merger
or consolidation, (x) require the surviving entity to issue shares of
convertible preferred stock or convertible debentures with such aggregate stated
value or in such face amount, as the case may be, equal to the aggregate
principal amount of Notes then held by such Holder, plus all accrued and unpaid
interest and other amounts owing thereon, which newly issued shares of preferred
stock or debentures shall have terms identical (including with respect to
conversion) to the terms of this Note (except, in the case of preferred stock,
as may be required to reflect the differences between equity and debt) and shall
be entitled to all of the rights and privileges of a Holder of Notes set forth
herein and the agreements pursuant to which the Notes were issued (including,
without limitation, as such rights relate to the acquisition, transferability,
registration and listing of such shares of stock other securities issuable upon
conversion thereof), and (y) simultaneously with the issuance of such
convertible preferred stock or convertible debentures, shall have the right to
convert such instrument only into shares of stock and other securities, cash and
property receivable upon or deemed to be held by holders of Common Stock
following such merger or consolidation. In the case of clause (C), the
conversion price applicable for the newly issued shares of convertible preferred
stock or convertible debentures shall be based upon the amount of securities,
cash and property that each share of Common Stock would receive in such
transaction and the Conversion Price in effect immediately prior to the
effectiveness or closing date for such transaction. The terms of any such
merger, sale or consolidation shall include such terms so as to continue to give
the Holders the right to receive the securities, cash and property set forth in
this Section upon any conversion or redemption following such event. This
provision shall similarly apply to successive such events.

(d) The Company covenants that it will at all times reserve and keep available
out of its authorized and unissued shares of Common Stock solely for the purpose
of issuance upon conversion of the Notes and payment of interest on the Notes,
each as herein provided, free from preemptive rights or any other actual
contingent purchase rights of persons other than the Holders, not less than such
number of shares of the Common Stock as shall (subject to any additional
requirements of the Company as to reservation of such shares set forth in the
Exchange Agreement) be issuable (taking into account the adjustments and
restrictions of Section 4(b)) upon the conversion of the outstanding principal
amount of the Notes and payment of interest hereunder. The Company covenants
that all shares of Common Stock that shall be so issuable shall, upon issue, be
duly and, validly authorized, issued and fully paid, nonassessable and, after
April 3, 2002, free of any restrictive legend.

(e) Upon a conversion hereunder the Company shall not be required to issue stock
certificates representing fractions of shares of the Common Stock, but may if
otherwise permitted, make a cash payment in respect of any final fraction of a
share based on the Per Share Market Value at such time. If the Company elects
not, or is unable, to make such a cash payment, the Holder shall be entitled to
receive, in lieu of the final fraction of a share, one whole share of Common
Stock.

(f) The issuance of certificates for shares of the Common Stock on conversion of
the Notes shall be made without charge to the Holders thereof for any
documentary stamp or similar taxes that may be payable in respect of the issue
or delivery of such certificate, provided that the Company shall not be required
to pay any tax that may be payable in respect of any transfer involved in the
issuance and delivery of any such certificate upon conversion in a name other
than that of the Holder of such Notes so converted and the Company shall not be
required to issue or deliver such certificates unless or until the person or
persons requesting the issuance thereof shall have paid to the Company the
amount of such tax or shall have established to the satisfaction of the Company
that such tax has been paid.

(g) Any and all notices or other communications or deliveries to be provided by
the Holders hereunder, including, without limitation, any Conversion Notice,
shall be in writing and delivered personally, by facsimile, sent by a nationally
recognized overnight courier service or sent by certified or registered mail,
postage prepaid, addressed to the Company, 750 West Pender Street, Suite 500,
Vancouver, British Columbia, Canada V6C 2T7 (facsimile number: (604) 331-1194,
attention: Corporate Secretary, or such other address or facsimile number as the
Company may specify for such purposes by notice to the Holders delivered in
accordance with this Section, with a copy other than Conversion Notices to
Devlin Jensen (facsimile number (604) 684-0916, attention Peter Jensen). Any and
all notices or other communications or deliveries to be provided by the

<PAGE>

Company hereunder shall be in writing and delivered personally, by facsimile,
sent by a nationally recognized overnight courier service or sent by certified
or registered mail, postage prepaid, addressed to each Holder at the facsimile
telephone number or address of such Holder appearing on the books of the
Company, or if no such facsimile telephone number or address appears, at the
principal place of business of the holder. Any notice or other communication or
deliveries hereunder shall be deemed given and effective on the earliest of (i)
the date of transmission, if such notice or communication is delivered via
facsimile at the facsimile telephone number specified in this Section prior to
6:30 p.m. (New York City time), (ii) the date after the date of transmission, if
such notice or communication is delivered via facsimile at the facsimile
telephone number specified in this Section later than 6:30 p.m. (New York City
time) on any date and earlier than 11:59 p.m. (New York City time) on such date,
(iii) the Business Day following the date of mailing, if sent by nationally
recognized overnight courier service, or (iv) upon actual receipt by the party
to whom such notice is required to be given.

Section 5. Put Option. At any time and from time to time after the Original
Issue Date, the Holder shall have the right (the "Put Right") to request that
the Company prepay up to 25% of the original principal amount of this Note at a
price equal to the Put Price (as defined in Section 7) by delivering to the
Company a written notice (a "Put Notice") specifying (i) the outstanding
principal amount of this Note subject to the Put Right and the amount of all
accrued and unpaid interest owing on such principal amount, and the amount of
liquidated damages (if any) then owing in respect of such principal amount and
(ii) the applicable Put Price. The Holder shall not be entitled to deliver Put
Notices for in excess of an aggregate of 25% of the original principal amount
under this Note in any thirty day period; provided, that, the amount of
principal for which a Put Notice may be delivered shall be measured on a
cumulative basis from the date which the Put Notice may first be delivered
hereunder (for example, if prior to day 180 following the Original Issue Date,
Put Notices for only 10% of the original principal have been delivered and paid,
then on day 180 following the Original Issue Date a Put Notice for up to 65% of
the original principal amount may be delivered).

On or prior to the tenth calendar day following the date of the delivery of the
Put Notice (such tenth calendar day, the "Put Exercise Date"), the Company shall
deliver to the Holder, in immediately available funds, the Put Price. The Put
Price shall be paid in cash and shall be free of any claim of subordination. If
any portion of the Put Price shall not be paid on or prior to the Put Exercise
Date or if the Company shall notify the Holders in writing of its intention not
to pay the Put Price (a "Put Default Date"), then, on and after such Put Default
Date, the Holder shall have the right to convert the outstanding principal
amount of the Notes subject to the Put Right at the then applicable Conversion
Price.

Section 6. [Intentionally omitted]

Section 7. Definitions. For the purposes hereof, the following terms shall have
the following meanings:

"Business Day" means any day except Saturday, Sunday and any day which shall be
a legal holiday or a day on which banking institutions in the State of New York
or the Province of British Columbia, Canada are authorized or required by law or
other government action to close. "Change of Control Transaction" means the
occurrence of any of (i) an acquisition after the date hereof by an individual
or legal entity or "group" (as described in Rule 13d-5(b)(1) promulgated under
the Exchange Act) of effective control (whether through legal or beneficial
ownership of capital stock of the Company, by contract or otherwise) of in
excess of 40% of the voting securities of the Company, (ii) a replacement at one
time or over time of more than one-half of the members of the Company's board of
directors which is not approved by a majority of those individuals who are
members of the board of directors on the date hereof (or by those individuals
who are serving as members of the board of directors on any date whose
nomination to the board of directors was approved by a majority of the members
of the board of directors who are members on the date hereof), (iii) the merger
of the Company with or into another entity that is not wholly-owned by the
Company, consolidation or sale of 50% or more of the assets of the Company in
one or a series of related transactions, or (iv) the execution by the Company of
an agreement to which the Company is a party or by which it is bound, providing
for any of the events set forth above in (i), (ii) or (iii).

"Commission" means the Securities and Exchange Commission.

"Common Stock" means the common stock, no par value, of the Company and stock of
any other class into which such shares may hereafter have been reclassified or
changed.

"Exchange Act" means the Securities Exchange Act of 1934, as amended.

"Exchange Agreement" means the Securities Exchange Agreement, dated as of the
Original Issue Date, to which the Company and the original Holder are parties,
as amended, modified or supplemented from time to time in accordance with its
terms.

"Mandatory Prepayment Amount" for any Notes shall equal the sum of (i) the
greater of (A) 120% of the principal amount of Notes to be prepaid, plus all
accrued and unpaid interest thereon, and (B) the principal amount of Notes to be
prepaid, plus all accrued and unpaid interest thereon, divided by the Conversion
Price on (x) the date the Mandatory Prepayment Amount is demanded or otherwise
due or (y) the date the Mandatory Prepayment Amount is paid in full, whichever
is less, multiplied by the Per Share Market Value on (x) the date the Mandatory
Prepayment Amount is demanded or otherwise due or (y) the date the Mandatory
Prepayment Amount is paid in full, whichever is greater, and (ii) all other
amounts, costs, expenses and liquidated damages, if any, due in respect of such
Notes.

"Original Issue Date" shall mean December 31, 2001.

"Per Share Market Value" means on any particular date means on any particular
date (a) the closing bid price per share of Common Stock on such date on the
Subsequent Market on which the Common Stock is then listed or quoted, or if
there is no such price on such date, then the closing bid price on the
Subsequent Market on the date nearest preceding such date, or (b) if the Common
Stock is not then listed or quoted on a Subsequent Market, the closing bid price
for a shares of Common Stock in the OTC, as reported by the National Quotation
Bureau Incorporated or similar organization or agency succeeding to its
functions of reporting prices) at the close of business on such date, or (c) if
the Common Stock is not then

<PAGE>

reported by the National Quotation Bureau Incorporated (or similar organization
or agency succeeding to its functions of reporting prices), then the average of
the "Pink Sheet" quotes for the relevant conversion period, as determined in
good faith by the Holder, or (d) if the Common Stock are not then publicly
traded the fair market value of a share of Common Stock as determined by an
Appraiser selected in good faith by the Holders of a majority of the Notes.

"Person" means a corporation, an association, a partnership, organization, a
business, an individual, a government or political subdivision thereof or a
governmental agency.

"Put Price" for any Notes shall equal the sum of (i) 115% of the principal
amount of the Notes subject to the Put Right, plus all accrued and unpaid
interest thereon, and (ii) all other amounts, expenses, costs and liquidated
damages, if any, due in respect of such Notes.

"Securities Act" means the Securities Act of 1933, as amended. "Trading Day"
means (a) a day on which the Common Stock is traded on a Subsequent Market on
which the Common Stock is then listed or quoted, as the case may be, or (b) if
the Common Stock is not listed on a Subsequent Market, a day on which the Common
Stock is traded in the over-the-counter market, as reported by the OTC, or (c)
if the Common Stock is not quoted on the OTC, a day on which the Common Stock is
quoted in the over-the-counter market as reported by the National Quotation
Bureau Incorporated (or any similar organization or agency succeeding its
functions of reporting prices); provided, however, that in the event that the
Common Stock is not listed or quoted as set forth in (a), (b) and (c) hereof,
then Trading Day shall mean any day except Saturday, Sunday and any day which
shall be a legal holiday or a day on which banking institutions in the State of
New York are authorized or required by law or other government action to close.

"Transaction Documents" shall have the meaning set forth in the Exchange
Agreement.

"Underlying Shares" means the shares of Common Stock issuable upon conversion of
Notes or as payment of interest in accordance with the terms hereof.

Section 8. Except as expressly provided herein, no provision of this Note shall
alter or impair the obligation of the Company, which is absolute and
unconditional, to pay the principal of, interest and liquidated damages (if any)
on, this Note at the time, place, and rate, and in the coin or currency, herein
prescribed. This Note is a direct obligation of the Company. This Note ranks
pari passu with all other Notes now or hereafter issued under the terms set
forth herein. As long as there are Notes outstanding, the Company shall not and
shall cause it subsidiaries not to, without the consent of the Holders, (i)
amend its certificate of incorporation, bylaws or other charter documents so as
to adversely affect any rights of the Holders; (ii) repay, repurchase or offer
to repay, repurchase or otherwise acquire shares of its Common Stock or other
equity securities other than as to the Underlying Shares to the extent permitted
or required under the Transaction Documents; or (iii) enter into any agreement
with respect to any of the foregoing. The Company may only voluntarily prepay
the outstanding principal amount on the Notes in accordance with Section 5
hereof.

Section 9. This Note shall not entitle the Holder to any of the rights of a
stockholder of the Company, including without limitation, the right to vote, to
receive dividends and other distributions, or to receive any notice of, or to
attend, meetings of stockholders or any other proceedings of the Company, unless
and to the extent converted into shares of Common Stock in accordance with the
terms hereof.

Section 10. If this Note shall be mutilated, lost, stolen or destroyed, the
Company shall execute and deliver, in exchange and substitution for and upon
cancellation of a mutilated Note, or in lieu of or in substitution for a lost,
stolen or destroyed Note, a new Note for the principal amount of this Note so
mutilated, lost, stolen or destroyed but only upon receipt of evidence of such
loss, theft or destruction of such Note, and of the ownership hereof, and
indemnity and bond, if requested, all reasonably satisfactory to the Company.

Section 11. As of the Original Issue Date, no indebtedness of the Company is
senior to this Note in right of payment, whether with respect to damages or upon
liquidation or dissolution or otherwise. The Company will not and will not
permit any of its subsidiaries to, directly or indirectly, enter into, create,
incur, assume or suffer to exist any indebtedness of any kind, on or with
respect to any of its property or assets now owned or hereafter acquired or any
interest therein or any income or profits therefrom that is senior to this Note
in right of payment, whether with respect to damages or upon liquidation or
dissolution or otherwise, provided, that upon written consent of the Holders,
the Company shall be entitled to borrow up to an aggregate of $500,000 from one
or more institutional lenders which indebtedness may be senior to or pari passu
with this Note. The restriction contained in this section shall not apply to any
debt incurred by a subsidiary of the Company so long as the Company shall not in
any manner be liable for such debt.

Section 12. This Note shall be governed by and construed in accordance with the
laws of the State of New York, without giving effect to conflicts of laws
thereof. The Company and the Holder hereby irrevocably submits to the exclusive
jurisdiction of the state and federal courts sitting in the City of New York,
Borough of Manhattan, for the adjudication of any dispute hereunder or in
connection herewith or with any transaction contemplated hereby or discussed
herein, and hereby irrevocably waives, and agrees not to assert in any suit,
action or proceeding, any claim that it is not personally subject to the
jurisdiction of any such court, or that such suit, action or proceeding is
improper. Each of the Company and the Holder hereby irrevocably waives personal
service of process and consents to process being served in any such suit, action
or proceeding by receiving a copy thereof sent to the Company at the address in
effect for notices to it under this instrument and agrees that such service
shall constitute good and sufficient service of process and notice thereof.
Nothing contained herein shall be deemed to limit in any way any right to serve
process in any manner permitted by law.

Section 13. Any waiver by the Company or the Holder of a breach of any provision
of this Note shall not operate as or be construed to be a waiver of any other
breach of such provision or of any breach of any other provision of this Note.
The failure of the Company or the Holder to insist upon

<PAGE>

strict adherence to any term of this Note on one or more occasions shall not be
considered a waiver or deprive that party of the right thereafter to insist upon
strict adherence to that term or any other term of this Note. Any waiver must be
in writing.

Section 14. If any provision of this Note is invalid, illegal or unenforceable,
the balance of this Note shall remain in effect, and if any provision is
inapplicable to any person or circumstance, it shall nevertheless remain
applicable to all other persons and circumstances. If it shall be found that any
interest or other amount deemed interest due hereunder shall violate applicable
laws governing usury, the applicable rate of interest due hereunder shall
automatically be lowered to equal the maximum permitted rate of interest.

Section 15. Whenever any payment or other obligation hereunder shall be due on a
day other than a Business Day, such payment shall be made on the next succeeding
Business Day.

[REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

EXHIBIT A

NOTICE OF CONVERSION

(To be Executed by the Registered Holder in order to Convert the Note)

The undersigned hereby elects to convert the attached Note into shares of common
stock, without par value (the "Common Stock"), of Stockgroup Information
Systems, Inc. (the "Company") according to the conditions hereof, as of the date
written below. If shares are to be issued in the name of a person other than
undersigned, the undersigned will pay all transfer taxes payable with respect
thereto and is delivering herewith such certificates and opinions as reasonably
requested by the Company in accordance therewith. No fee will be charged to the
holder for any conversion, except for such transfer taxes, if any.

Conversion calculations:

Date to Effect Conversion

Principal Amount of Notes to be Converted

_________________________________________
Principal Amount of Notes owned subsequent to Conversion

Number of shares of Common Stock to be Issued

Applicable Conversion Price

Signature

Name

Address<PAGE>

                                   EXHIBIT 4.1

        THE FIDELITY NATIONAL FINANCIAL GROUP 401(k) PROFIT SHARING PLAN
<PAGE>

                      THE FIDELITY NATIONAL FINANCIAL GROUP

                           401(k) PROFIT SHARING PLAN

<PAGE>

                                Table of Contents

<TABLE>
<CAPTION>
                                                                                 Page
                                                                                 ----
<S>                                                                                <C>
ARTICLE I      NAME AND PLAN PURPOSES...............................................2

ARTICLE II     DEFINITIONS..........................................................2

ARTICLE III    ELIGIBILITY AND PARTICIPATION.......................................14

ARTICLE IV     TRUST FUND AND CONTRIBUTIONS........................................15

ARTICLE V      PARTICIPANT DEFERRALS...............................................17

ARTICLE VI     ALLOCATIONS TO PARTICIPANTS' ACCOUNTS...............................23

ARTICLE VII    VESTING.............................................................25

ARTICLE VIII   PAYMENT OF BENEFITS.................................................26

ARTICLE IX     TOP-HEAVY PLAN RULES................................................31

ARTICLE X      OPERATION AND ADMINISTRATION OF THE PLAN............................33

ARTICLE XI     MERGER OF COMPANY, MERGER OF PLAN...................................37

ARTICLE XII    TERMINATION AND DISCONTINUANCE OF CONTRIBUTIONS.....................37

ARTICLE XIII  APPLICATION FOR BENEFITS.............................................38

ARTICLE XIV  LIMITATIONS ON CONTRIBUTIONS..........................................39

ARTICLE XV     RESTRICTION ON ALIENATION...........................................43

ARTICLE XVI  AMENDMENTS............................................................46

ARTICLE XVII  MISCELLANEOUS MATTERS................................................46
</TABLE>

                                        i
<PAGE>

                                    ARTICLE I
                             NAME AND PLAN PURPOSES

        1.1 NAME AND PURPOSES. The Fidelity National Financial Group 401(k)
Profit Sharing Plan (the "Plan") was originally established and adopted
effective January 1, 1990. The Plan has been amended and restated to comply with
changes in the tax laws, most recently effective November 1, 2001. Through a
series of acquisitions, the Plan Sponsor, Fidelity National Financial, Inc.
("FNF"), has acquired a number of entities, some of which are considered members
of a controlled group of corporations or other entities that are under common
control (the "Affiliated Companies") and some of which, while related, are not
considered members of a controlled group of corporations or other entities that
are under common control (the "Related Companies").

        In order to provide a better retirement plan for all of the Employees of
the Affiliated Companies and the Related Companies, the Plan is hereby amended
and restated in its entirety effective on the dates reflected herein to provide:
(1) for the conversion of the Plan into a multiple employer plan, as defined in
Code Section 413(c) and (2) to comply with changes in the Code and ERISA as
enacted in recent federal statutes, including, but not limited to, Uruguay Round
Agreements Act (GATT), Uniformed Services Employment and Reemployment Rights Act
(USERRA), Small Business Job Protection Act (SBJPA), the Tax Reform Act of 1997
(TRA'97), (collectively the GUST amendments), as well as the Community Renewal
Tax Relief Act of 2000 and the Economic Growth and Tax Reconciliation Act of
2001 ("EGTRRA"). The Plan is intended to constitute a tax-qualified profit
sharing plan that contains a cash or deferred arrangement under Code Section
401(k) and is maintained and administered for the exclusive benefit of
Participants and their Beneficiaries.

                                   ARTICLE II
                                   DEFINITIONS

        Whenever capitalized in the text, the following terms shall have the
meaning set forth below.

        2.1 ACCOUNT. "Account" or "Accounts" means the Company Contributions
Account, the Deferrals Account, the Matching Contributions Account, the Employee
Contributions Account and the Rollover Contribution Account maintained for each
Participant.

        2.2 AFFILIATED COMPANY. "Affiliated Company" means:

               (a) Any corporation that is included in a controlled group of
corporations, within the meaning of Code Section 414(b), of which group the
Company is also a member;

               (b) Any trade or business that is under common control with the
Company within the meaning of Code Section 414(c); and

               (c) Any service organization that is included in an affiliated
service group, within the meaning of Code Section 414(m), of which affiliated
service group the Company is also a member.

        For purposes of applying the limitations of Article XVI, whether or not
an entity is an Affiliated Company shall be determined by applying the
percentage modifications contained in Code Section 415(h).

                                        2
<PAGE>

        2.3 AGGREGATION GROUP.

                (a) "Aggregation Group" means:

                      (i) Each plan of the Company or an Affiliated Company or
        each plan of a Related Company in which a Key Employee is or was a
        Participant during the Testing Period (regardless of whether the plan
        has been terminated); and

                      (ii) Each other plan of the Company or an Affiliated
        Company or each plan of a Related Company which enables any plan
        described in Subparagraph (i) to meet the requirements of Code Sections
        401(a)(4) or 410.

               (b) Any plan not required to be included in an Aggregation Group
under the rules of Paragraph (a) may be treated as being part of the group if
the group would continue to meet the requirements of Code Sections 401(a)(4) and
410 with the plan being taken into account.

               (c) Each plan maintained by the Company or an Affiliated Company
or a Related Company required to be included in an Aggregation Group shall be
treated as a Top-Heavy Plan if the Aggregation Group is a Top-Heavy Group.

        2.4 ANNUAL ADDITIONS. "Annual Additions" includes, for any Limitation
Year the amount credited to a Participant's Accounts from Company Contributions
(including Deferrals and Fail-Safe Contributions), Forfeitures and any amounts
allocated to an account established under a funded welfare benefit plan or a
pension or annuity plan to provide medical benefits with respect to the
Participant after retirement. The following amounts shall not be considered part
of the Participant's Annual Additions rollover contributions made pursuant to
Code Section 402(a), repayments of loans and any re-contributions (of prior
distributions) made pursuant to Section 8.8.

        2.5 AVERAGE CONTRIBUTION PERCENTAGE. "Average Contribution Percentage"
means the average (expressed as a percentage to the nearest one hundredth of one
percent) of the Contribution Percentages of the Participants in a group.

        2.6 AVERAGE DEFERRAL PERCENTAGE. "Average Deferral Percentage" means the
average (expressed as a percentage to the nearest one hundredth of one percent)
of the Deferral Percentages of the Participants in a group.

        2.7 BENEFICIARY. "Beneficiary" means the person designated in Article
VIII to receive the Vested Interest of a deceased Participant.

        2.8 BREAK IN SERVICE.

               (a) "Break in Service" means a Computation Period in which the
Employee does not complete more than 500 Hours of Service. In the event of a
Plan Year of less than twelve months, the 500-hour requirement shall be reduced
by multiplying it by a fraction:

                        (i) The numerator of which is the number of months in
        that Plan Year (rounded to the nearest month); and

                        (ii) The denominator of which is twelve.

                                        3
<PAGE>

               (b) An Employee described in Paragraph (c) below shall be
credited with Hours of Service as calculated in accordance with Paragraphs (d)
and (e) below.

               (c) The provisions of Paragraphs (d) and (e) shall apply with
respect to an Employee who is absent from work without pay for any period:

                        (i)   By reason of the pregnancy of the Employee;

                        (ii)  By reason of the birth of a child of the Employee;

                        (iii) By reason of the placement of a child with the
        Employee in connection with the adoption of the child by the Employee;
        or

                        (iv)  For purposes of caring for the child for a period
        beginning immediately following the birth or placement.

               (d) The number of Hours of Service to which an Employee described
in Paragraph (c) shall be credited with shall be the number which otherwise
would normally have been credited to the Employee but for the absence. If the
number described in the previous sentence is not capable of being determined,
eight Hours of Service per day of the absence. The total number of hours treated
as Hours of Service under this Paragraph shall not exceed 501. Furthermore,
these Hours of Service shall be taken into account solely for the purpose of
determining whether or not the Employee has incurred a Break in Service.

               (e) The Hours described in Paragraph (d) shall be credited to the
Computation Period in which the absence from work begins, if the Employee would
be prevented from incurring a Break in Service in that Computation Period solely
because the period of absence is treated as Hours of Service under this Section
or in any other case, in the immediately following Computation Period.

               (f) The above provisions of this Section shall not apply unless
the Employee provides such timely information as the Committee may reasonably
require to establish that the absence is for reasons described in Paragraph (c)
and the number of days for which there was an absence.

        2.9 CODE. "Code" means the Internal Revenue Code of 1986, as amended
from time to time.

        2.10 COMMITTEE. "Committee" means the Fidelity National Financial Group
Plan Committee described in Article X.

        2.11 COMPANY. "Company" means FNF, and any Affiliated Companies (or
similar entities) or Related Companies that may be included within the coverage
of the Plan with the consent of the Board of Directors of Fidelity National
Financial, Inc. As of the Effective Date the Affiliated Companies and Related
Companies that are contributing to the Plan are set forth on Exhibit "A"
attached hereto and incorporated herein by this reference. Company
Contributions. "Company Contributions" means all amounts paid by the Company
into the Trust Fund. Except where the context indicates to the contrary, Company
Contributions shall not include Deferrals and Fail-Safe Contributions.

                                        4
<PAGE>

        2.12 COMPENSATION. "Compensation" means the amount of wages within the
meaning of Code Section 3401(a) for the purposes of income tax withholding at
the source but determined without regard to any rules that limit the
remuneration included in wages based on the nature or location of the employment
or the services performed paid to a Participant, excluding any matching
contributions under the employee stock purchase plan sponsored by the Company
and cash transaction stock options granted by the Company. Except as otherwise
expressly provided in this Plan to the contrary, the term "Compensation" shall
include those amounts that represent Deferrals and elective deferrals with
respect to a plan of Company qualified under Code Section 125. In no event will
the amount of compensation taken into account on behalf of any Participant
exceed $150,000. This dollar amount shall be adjusted at the same time and in
the same manner as under Code Section 401(a)(17)(B).

        2.13 COMPUTATION PERIOD.

               (a) "Computation Period" means the relevant twelve consecutive
month period for determining whether the Employee is to be credited with a Year
of Service or a Break in Service.

               (b) For purposes of determining eligibility to participate, an
Employee's initial Computation Period shall be the twelve consecutive month
period commencing with his Employment Commencement Date. The Employee's second
Computation Period shall be the Plan Year that includes the first anniversary of
his Employment Commencement Date. All subsequent Computation Periods shall also
be the Plan Year.

               (c) For purposes of determining vesting, each Employee's
Computation Period shall be the twelve consecutive month period commencing with
his Employment Commencement Date.

        2.14 CONTRIBUTION PERCENTAGE. "Contribution Percentage" means the ratio
(expressed as a percentage to the nearest one hundredth of one percent) of the
Matching Contributions under the Plan made on behalf of the Participant for the
Plan Year to the Participant's Compensation (determined without regard to the
limitation on amounts paid or payable by reason of services performed after the
date an Employee ceases to be a Participant and prior to the date an Employee
becomes a Participant) for the Plan Year.

        2.15 COVERED EMPLOYEES. "Covered Employees" means those Employees who
have satisfied all of the requirements for eligibility to participate in the
Plan for all or any portion of the Plan Year, including an Employee who becomes
a Participant but elects not to make any Deferrals, an Employee who elects not
to participate in the Plan and an Employee who cannot defer because of the
limitations imposed under Code Section 415.

        2.16 DEFERRALS. "Deferrals" means the pre-tax contributions made by
Participants pursuant to an election made under the provisions of Article V.

        2.17 DEFERRALS ACCOUNT. "Deferrals Account" means the individual account
maintained in the books and records of the Trust Fund for the purpose of
recording the Participant's Deferrals, any Fail-Safe Contributions made on his
behalf, and the earnings thereon.

        2.18 DEFERRAL PERCENTAGE. "Deferral Percentage" means the ratio
(expressed as a percentage to the nearest one hundredth of one percent) of
Deferrals and Fail-Safe Contributions

                                        5
<PAGE>

made on behalf of a Participant for the Plan Year to the Participant's
Compensation (determined without regard to the limitation on amounts paid or
payable by reason of services performed after the date an Employee ceases to be
a Participant and prior to the date an Employee becomes a Participant) for the
Plan Year. The Deferral Percentage of a Participant who makes no Deferrals and
is allocated no Fail-Safe Contributions shall be zero. The computation of the
Average Deferral Percentage in the case of Family Members shall be done in
accordance with the regulations under Code Section 401(k).

        2.19 DETERMINATION DATE. "Determination Date" means, with respect to any
Plan Year, the last day of the preceding Plan Year. In the case of the first
Plan Year, "Determination Date" shall mean the last day of that Plan Year.

        2.20 DISABILITY. "Disability" means that the Participant has been
determined to be disabled under the individual or group long-term disability
plan sponsored by the Company benefiting the Participant. In the event that the
Company does not maintain any long term disability plan, "Disabled" or
Disability" means that the Participant is unable to engage in any substantial
gainful activity by reason of any medically determinable physical or mental
impairment that can be expected to result in death or that has lasted or can be
expected to last for a continuous period of not less than twelve months.

        No Participant shall be deemed to have incurred a Disability as a result
of an injury or illness incurred as a result of the commission of a felony, an
intentionally self-inflicted injury, or alcoholism or substance abuse.

        2.21 EFFECTIVE DATE. "Effective Date" means January 1, 1990, the
original effective date of the Plan. The "Effective Date" of this amendment and
restatement shall be the dates reflected in the Plan.

        2.22 EMPLOYEE. "Employee" means each person currently employed by the
Company, any portion of whose income is subject to withholding of income tax or
for whom social security retirement contributions are made by the Company and
any other person qualifying as a common law employee of the Company. "Employee"
also means "leased employees" within the meaning of Code Section 414(n)(2).
Effective January 1, 1997, "leased employee" means any person (other than an
employee of the recipient) who pursuant to an agreement between the recipient
and any other person ("leasing organization") has performed services for the
recipient (or for the recipient and related persons determined in accordance
with section 414(n)(6) of the Code) on a substantially full-time basis for a
period of at least 1 year, and such services are performed under primary
direction or control by the recipient.

        2.23 EMPLOYMENT COMMENCEMENT DATE. "Employment Commencement Date" means
the date on which an Employee first performs an Hour of Service for the Company.

        2.24 ENTRY DATE. "Entry Date" means as soon as is administratively
practical following the date on which an Employee satisfies the participation
requirements of Section 3.1.

        2.25 ERISA. "ERISA" means the Employee Retirement Income Security Act of
1974.

                                        6
<PAGE>

        2.26 FAIL-SAFE CONTRIBUTIONS. "Fail-Safe Contributions" means those
Company Contributions made pursuant to Section 5.9 that are designed to insure
compliance with the Average Deferral Percentage Tests of Section 5.3.

        2.27 FAMILY MEMBER. "Family Member" means the Spouse, lineal ascendants
and descendants, and the spouses of the lineal ascendants and descendants of any
individual who is a Five Percent Owner or a Highly Compensated Employee in the
group consisting of the ten Highly Compensated Employees paid the greatest
compensation during the year.

        For purposes of Section 2.13 and applying the various nondiscrimination
rules applicable to this Plan the Family Member shall not be considered a
separate Employee and any compensation paid to the Family Member (and any
applicable contribution or benefit on behalf of the Family Member) shall be
treated as if it were paid to (or on behalf of) the Five Percent Owner or Highly
Compensated Employee.

        Effective January 1, 1997, the family aggregation rules required by IRC
section 414(q)(6) of the Code are deleted from the Plan.

        2.28 FIVE PERCENT OWNER.

               (a) "Five Percent Owner" means any person who owns or is
considered as owning within the meaning of Code Section 318 (not including any
beneficial interest in shares held by the Plan) more than five percent of the
outstanding stock of the Company or the total combined voting power of all stock
of the Company.

               (b) For purposes of applying the ownership rules of this Section
Code Sections 414(b),(c) and (m) shall not apply. The constructive ownership
rules of Code Section 318(a)(2)(C) shall be applied by substituting "five
percent" for "50%" where it appears therein. If an Employee's ownership interest
varies during a Plan Year, his ownership interest shall be the largest interest
owned at any time during the year.

        2.29 FORFEITURE. "Forfeiture" means the nonvested portion of a
Participant's Matching Contributions Account or Company Contributions Account
that is forfeited under Section 6.4.

        2.30 HIGHLY COMPENSATED EMPLOYEE.

               (a) "Highly Compensated Employee" means any Employee who, during
the Plan Year or the immediately preceding Plan Year:

                        (i)   Was at any time a Five Percent Owner;

                        (ii)  Received compensation from the Company and all
        Affiliated Companies or a Related Company in excess of $75,000, as
        indexed for inflation;

                        (iii) Received Compensation from the Company and all
        Affiliated Companies or a Related Company in excess of $50,000, as
        indexed for inflation, and was in the top 20% of all Employees when
        ranked on the basis of compensation paid during the year ("Top-Paid
        Group"). For this purpose, all of an Employee's Compensation shall be
        taken into account, even though some of it may exceed the amount in
        effect under Code Section 401(a)(17)(B); or

                                        7
<PAGE>

                        (iv) Was at any time an Officer of the Company or any
        Affiliated Company or a Related Company.

               (b) In the case of the Plan Year for which the relevant
determination is being made, an Employee described in Subparagraphs (ii), (iii),
or (iv) of Paragraph (a) above shall not be treated as described therein unless
the Employee is a member of the group consisting of the 100 Employees paid the
greatest compensation during the year for which the determination is being made.

               (c) For purposes of this Section, the amount of an Employee's
compensation shall be determined in accordance with Code Section 414(q)(7),
which includes the Employee's pre-tax contributions to a cash or deferred
arrangement under Code Section 401(k) or to a cafeteria plan under Code Section
125.

               (d) For purposes of determining the number of Employees in the
Top-Paid Group (described in Paragraph (a)(iii) above), the following Employees
shall be excluded:

                        (i)   Employees who have not completed six months of
        service;

                        (ii)  Employees who normally work less than 17-1/2 hours
        per week;

                        (iii) Employees who normally work not more than six
        months during any year;

                        (iv)  Employees who have not attained age twenty-one;

                        (v)   Except to the extent provided in regulations,
        Employees who are included in a unit of Employees covered by an
        agreement which the Secretary of Labor finds to be a collective
        bargaining agreement between Employee representatives and the Company;
        and

                        (vi)  Employees who are nonresident aliens and who
        receive no earned income (within the meaning of Code Section 911(d)(2))
        from the Company and all Affiliated Companies or Related Companies that
        constitutes income from sources within the United States (within the
        meaning of Code Section 861(a)(3)).

               (e) A former Employee shall be treated as a Highly Compensated
Employee if he was a Highly Compensated Employee when he separated from service
or he was a Highly Compensated Employee at any time after attaining age
fifty-five.

               (f) Effective January 1, 1997, the term "Highly Compensated
Employee" includes highly compensated active employees and highly compensated
former employees. A highly compensated active employee means any employee who-
(i) was a Five Percent Owner (as defined in section 416(i)(1) of the Code) of
the Company at any time during the current or the preceding year, or (ii) for
the preceding year (A) had compensation from the Company in excess of $80,000
(as adjusted by the Secretary pursuant to section 415(d) of the Code, except
that the base period shall be the calendar quarter ending September 30, 1996),
and (B) if the employer elects the application of this clause for such preceding
year, was in the top-paid group of employees for such preceding year.

        For purposes of this paragraph:

                                        8
<PAGE>

                      (i) an employee is in the top-paid group of employees for
        any year if such employee is in the group consisting of the top 20% of
        the employees when ranked on the basis of compensation paid during such
        year.

                      (ii) a former employee shall be treated as a highly
        compensated if such employee was a Highly Compensated Employee when such
        employee separated from service, or such employee was a Highly
        Compensated Employee at any time after attaining age 55.

                      (iii) The determination of who is a Highly Compensated
        Employee, including the determinations of the number and identity of
        employees in the top-paid group, will be made in accordance with section
        414(q) of the Code and the regulations thereunder.

                      (iv) the term `compensation' means compensation within the
        meaning of section 415(c)(3) of the Code. The determination will be made
        without regard to sections 125, 402(e)(3), and 402(h)(1)(B) of the Code,
        and in the case of employer contributions made pursuant to a salary
        reduction agreement, without regard to section 403(b) of the Code.

        2.31 HOUR OF SERVICE.

               (a) "Hour of Service" means each hour for which an Employee is
paid or is entitled to payment by the Company, an Affiliated Company or a
Related Company:

                        (i)  For the performance of services as an Employee;

                        (ii) Which is attributable to a period of time during
        which he performs no duties (irrespective of whether or not his
        employment has been terminated) due to a vacation, holiday, illness,
        incapacity (including pregnancy or Disability), layoff, jury duty,
        military duty, or a leave of absence. However, no such hours shall be
        credited to an Employee if the Employee is directly or indirectly paid
        or entitled to payment for the hours and the payment or entitlement is
        made or due under a plan maintained solely for the purpose of complying
        with applicable worker's compensation, unemployment compensation,
        disability insurance laws or is a payment which solely reimburses the
        Employee for his medical or medically-related expenses or for which he
        is entitled to back pay, irrespective of mitigation of damages, whether
        awarded or agreed to by the Company, an Affiliated Company or a Related
        Company, provided that he has not previously been credited with an Hour
        of Service with respect to that hour under Subparagraph (i) above.

        Notwithstanding the foregoing, no Employee shall be entitled to credit
for more than 501 Hours of Service for any single continuous period during which
he performs no duties, whether or not the period occurs in a single Computation
Period.

               (b) All Hours of Service determined under the rules of Paragraph
(a) shall be credited to the Computation Period in which the payment is actually
made, determined in accordance with rules prescribed in the Plan. The provisions
of this Paragraph (b) shall be applied in a manner consistent with the
provisions of Department of Labor Regulation Section 2530.200b-2.

               (c) Unless the Board of Directors shall expressly determine
otherwise, and except as may be expressly provided otherwise in this Plan, an
Employee shall not receive credit for his

                                        9
<PAGE>

Hours of Service completed with an Affiliated Company or a Related Company prior
to the effective date on which the entity became an Affiliated Company or
Related Company.

               (d) Notwithstanding the above rules, the Committee may specify
the use of one or more equivalencies specified below. However, in the event that
different equivalencies are used for different classifications of Employees, the
manner in which they are applied must not discriminate in favor of Highly
Compensated Employees, and the equivalencies must be applied on a uniform basis
to the Employees in each class. The permitted equivalencies are as follows:

                        (i)   Ten Hours of Service for each day during which the
        Employee completes at least one Hour of Service;

                        (ii)  Forty-five Hours of Service for each week during
        which the Employee completes at least one Hour of Service;

                        (iii) Ninety-five Hours of Service for each semi-monthly
        payroll period during which the Employee completes at least one Hour of
        Service; and

                        (iv)  190 Hours of Service for each month during which
        the Employee completes at least one Hour of Service.

        2.32 KEY EMPLOYEE. "Key Employee" means any Employee or former Employee
who, at any time during the Testing Period, is or was:

                (a) An Officer of the Company, an Affiliated Company or a
Related Company;

                (b) One of the ten Employees having annual compensation from the
Company, an Affiliated Company or a Related Company of more than the limitation
in effect under Section 14(a)(i) below and owning (or considered as owning
within the meaning of Code Section 318) during the Testing Period both more than
1/2% interest and the largest interests in the Company, an Affiliated Company or
a Related Company. For purposes of this Paragraph (b), if two Employees have the
same interest in the Company, an Affiliated Company or a Related Company, the
Employee having the greater annual compensation from the Company, an Affiliated
Company or a Related Company shall be treated as having the larger interest;

                (c) A Five Percent Owner of the Company, an Affiliated Company
or a Related Company; or

                (d) A One Percent Owner of the Company, an Affiliated Company or
a Related Company having an annual compensation from the Company of more than
$150,000.

        The term "Key Employee" shall include his Beneficiaries.

        2.33 LEAVE OF ABSENCE. "Leave of Absence" means any unpaid personal
leave from active employment duly authorized by the Company under the Company's
standard personnel practices. All persons under similar circumstances shall be
treated in a uniform and nondiscriminatory manner in the granting of Leaves of
Absence.

        An Employee shall not be deemed to have incurred a Break in Service
while on a Leave of Absence, provided he returns to employment on or before the
date on which the leave expires. In the

                                       10
<PAGE>

event an Employee does not return to employment on or before the end of the
leave, he shall be deemed to have incurred a Severance as of the first day of
the leave, unless the failure was due to his death or disability or the
provisions of Section 2.8 apply.

        2.34 LIMITATION YEAR. In connection with the adoption of this Plan, the
Company hereby elects a "Limitation Year" corresponding to the Plan Year for
purposes of the limitations on contributions set forth in Article XIV.

        2.35 MATCHING CONTRIBUTIONS. "Matching Contributions" means the
contribution, if any, made to the Plan by the Company pursuant to Section 4.3

        2.36 MATCHING CONTRIBUTIONS ACCOUNT. "Matching Contributions Account"
means the individual account maintained in the books and records of the Trust
Fund for the purpose of recording the Participant's allocated share of Matching
Contributions and Forfeitures, and the earnings thereon.

        2.37 NON-KEY EMPLOYEE. "Non-Key Employee" means any Employee who is not
a Key Employee. The term "Non-Key Employee" shall include his Beneficiaries.

        2.38 NORMAL RETIREMENT AGE. "Normal Retirement Age" means the
Participant's 65th birthday. Notwithstanding the above:

               (a) Participants who were Participants in the Chicago Title &
Trust Plan on April 18, 2001, the Chicago Home Warranty Plan on March 9, 2001
and the Executive Title Agency Corporation Plan on January 31, 2001, "Normal
Retirement Age" means the Participant's 55th birthday.

               (b) Participants who were Participants in the Chicago Title of
Colorado, Inc. Plan that was merged into the Plan on April 2, 2001, "Normal
Retirement Age" means the later of the Participant's 62nd birthday and the 5th
anniversary of the Participant's Employment Commencement Date.

               (c) Participants who were Participants in the Security Title
Agency Plan that was merged into the Plan on January 4, 2001, "Normal Retirement
Age" means the Participant's 50th birthday.

        2.39 OFFICER. "Officer" means any Employee who was at any time an
officer of the Company, an Affiliated Company or a Related Company and received
Compensation from the Company and all Affiliated Companies or a Related Company
greater than 50% of the amount in effect under Code Section 415(b)(1)(A) for the
year. No more than the lesser of (a) fifty Employees or (b) the greater of three
Employees or 10% of the Employees shall be treated as Officers.

        If no officer is described in the paragraph above, then the highest paid
officer of the Company shall be treated as being described therein.

        For purposes of this Section, all Leased Employees (within the meaning
of Section 414(n) of the Code) and all part-time Employees shall be taken into
account, and the number of Employees shall be the greatest number at any time
during the relevant period.

                                       11
<PAGE>

        2.40 ONE PERCENT OWNER. "One Percent Owner" means any person who would
be described in Section 2.31 above if "one percent" were substituted for "five
percent" each place where it appears therein.

        2.41 PARTICIPANT. "Participant" means any Employee who has satisfied the
participation eligibility requirements and has been enrolled in this Plan in
accordance with the provisions of Article III. "Participant" does not include an
Employee who has incurred a Severance and either does not have a Vested Interest
or has been paid the full amount of his Vested Interest.

        2.42 PLAN. "Plan" means the Fidelity National Financial Group 401(k)
Profit Sharing Plan.

        2.43 PLAN ADMINISTRATOR. "Plan Administrator" means the administrator of
the Plan within the meaning of Section 3(16)(A) of ERISA, which shall be the
Committee.

        2.44 PLAN YEAR. "Plan Year" means the twelve-month period ending on
December 31.

        2.45 REEMPLOYMENT COMMENCEMENT DATE. In the case of an Employee who
incurs a Severance and who is subsequently reemployed by the Company, an
Affiliated Company or a Related Company, the term "Reemployment Commencement
Date" means the first day following the Severance on which the Employee performs
an Hour of Service.

        2.46 RELATED COMPANY. "Related Company" means any legal entity that is
not an Affiliated Company that may be included within the coverage of the Plan
with the consent of the Board of Directors of Fidelity National Financial, Inc.
As of the Effective Date the Affiliated Companies and Related Companies that are
contributing to the Plan are set forth on Exhibit "A" attached hereto and
incorporated herein by this reference.

        2.47 ROLLOVER ACCOUNT. "Rollover Account" means the individual Account
maintained in the books and records of the Trust Fund for the purpose of
recording the Participant's rollover contributions, if any, under Section 5.14,
and the earnings thereon.

        2.48 SEVERANCE. "Severance" means the termination of an Employee's
employment with the Company, by reason of his retirement, death, resignation,
dismissal, or otherwise.

        2.49 SPOUSE. "Spouse" means the person to whom a Participant is married
as of the relevant date.

        2.50 TESTING PERIOD. "Testing Period" means the Plan Year containing the
Determination Date and the preceding four Plan Years.

        2.51 TEMPORARY EMPLOYEES. "Temporary Employees" means Employees who are
not regularly scheduled to work at least twenty Hours of Service a week and do
not complete a Year of Service for purposes of the eligibility requirements of
Article III.

        2.52 TOP-HEAVY GROUP. "Top-Heavy Group" means any 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
the group and the aggregate of the account balances of Key Employees under all
defined contribution plans included in the group exceeds 60% of a similar sum
determined for all Employees.

                                       12
<PAGE>

        2.53 TOP-HEAVY PLAN. "Top-Heavy Plan" means, with respect to any Plan
Year:

               (a) Any defined benefit plan if, as of the Determination Date,
the present value of the cumulative accrued benefits under the plan for Key
Employees exceeds 60% of the present value of the cumulative accrued benefits
under the plan for all Employees.

                      (i) For purposes of this Paragraph, the present value of
        an Employee's accrued benefit under a defined benefit plan shall be
        determined by using the interest rate and the mortality assumptions
        specified in that plan. The same actuarial assumptions shall be used in
        measuring accrued benefits under all defined benefit plans.

                      (ii) The accrued benefit of any Employee (other than a Key
        Employee) shall be determined under the method that is used for accrual
        purposes for all plans of the Company or if there is no such method, as
        if the benefit accrued no more rapidly than the slowest accrual rate
        permitted under Code Section 411(b)(1)(C).

                      (iii) The date on which the accrued benefit of each
        Employee in a defined benefit plan is measured (with respect to each
        Determination Date) shall be the date used for computing costs under the
        minimum funding standards of Code Section 412, determined as if he had
        terminated service as of that date.

               (b) Any defined contribution plan if, as of the Determination
Date, the aggregate amount of the account balances of Key Employees under the
plan exceeds 60% of the present value of the aggregate of the account balances
of all Employees under the plan. The date on which the account balance of each
Employee in a defined contribution plan is measured (with respect to each
Determination Date) shall be the last day of the relevant plan year.

               (c) For purposes of this Section, the accrued benefit and account
balances of a Participant shall include amounts attributable to Participant
contributions (whether or not the contributions are includable in income).
Furthermore, the same date shall be used for valuing benefits under all plans.

        2.54 TRUST AND TRUST FUND. "Trust" or "Trust Fund" means the Trust
Agreement signed by the Company and the Trustee of equal date with this
Agreement.

        2.55 TRUSTEE. "Trustee" means the person(s) or entity acting as Trustee
of the Trust created under this Plan.

        2.56 UNION MEMBERS. "Union Members" means members of a collective
bargaining unit who are covered by a collective bargaining agreement that does
not specifically provide for coverage of the Employees under this Plan, provided
the matter of retirement benefits was the subject of good faith bargaining
between the Company and the collective bargaining unit.

        2.57 VALUATION DATE. "Valuation Date" means the last day of each Plan
Year, or such other date or dates as may be selected by the Committee for
valuing the assets of the Plan.

        2.58 VESTED INTEREST. "Vested Interest" means that portion of the
Participant's Account in the Trust Fund that has become vested pursuant to the
provisions of Article VII.

                                       13
<PAGE>

        2.59 YEAR OF SERVICE. For purposes of the eligibility requirements of
Article III, "Year of Service" means a Computation Period during which the
Employee completes at least 1,000 Hours of Service. For purposes of the vesting
requirements of Article VII, "Year of Service" means a Computation Period during
which the Employee is employed by the Company on each day, regardless of the
number of Hours of Service performed by the Employee.

        In the case of an Employee who does not have any Vested Interest, his
Years of Service before a period of consecutive Breaks in Service will not be
taken into account under the Plan if the number of his consecutive Breaks in
Service equals or exceeds the greater of five or the aggregate number of his
Years of Service. This rule shall not apply in the case of a Participant who has
made any Deferrals, however. Effective December 12, 1994, notwithstanding any
provision of this plan to the contrary, contributions, benefits and service
credit with respect to qualified military service will be provided in accordance
with section 414(u) of the Internal Revenue Code.

                                   ARTICLE III
                          ELIGIBILITY AND PARTICIPATION

        3.1 ELIGIBILITY TO PARTICIPATE.

               (a) Every Employee of the Company who has attained age eighteen
and has completed ninety days of employment with the Company shall be eligible
to become a Participant in the Plan as of the first Entry Date occurring
coincident with or immediately following the completion of the eligibility
requirements.

               (b) Notwithstanding the above, the following classes of Employees
shall not be eligible to participate in the Plan, Union Members, Employees who
are non-resident aliens and who receive no earned income (as defined in Code
Section 911(d)(2)) from the Company which constitutes income from sources within
the United States, Employees whose regularly scheduled employment with the
Company does not equal or exceed 1,000 Hours of Service in a Plan Year,
Temporary Employees who have not completed at least 1,000 Hours of Service and
Leased Employees within the meaning of Section 414(n) of the Code.

        3.2 SPECIAL PARTICIPATION RULES.

               (a) In the case of an Employee whose Entry Date occurs after the
Employee incurred a Severance, the Employee shall be eligible to become a
participant in this Plan as of the later of his Entry Date or his Reemployment
Commencement Date following the Severance, unless his prior service is
disregarded under the rules of Section 2.60.

               (b) A Participant who incurs a Severance of ninety days or less
and is thereafter reemployed by the Company shall be entitled to recommence
participation in the Plan as of his Reemployment Commencement Date following the
Severance, unless his prior service is disregarded under the rules of Section
2.60.

               (c) If an Employee was a Participant in the Plan on or before the
Effective Date of this restatement of the Plan, the Employee shall continue to
participate in the Plan as of that Effective Date, provided the individual was
an Employee on that date.

                                       14
<PAGE>

               (d) In the event that an individual is determined by the Company
to be part of a class of individuals excluded from eligibility to be a
Participant in the Plan under Section 3.1 above, and that exclusion is later
determined by a court of competent jurisdiction to be erroneous, that individual
or individuals shall be treated as an eligible Employee from the date of such
determination only. No such individual shall be entitled to retroactive status.

               (e) The Committee may establish reasonable enrollment procedures
in order to admit an Employee who has satisfied the requirements of Section
3.1(a) above as a Participant in the Plan. An Employee shall not be admitted as
a Participant in the Plan until any such enrollment procedures are satisfied.

        3.3 DURATION OF PARTICIPATION. Each Employee who has commenced
participation in the Plan in accordance with the provisions of Section 3.1 shall
continue to be a Participant until he has incurred a Severance.

        3.4 PARTICIPATION BEYOND NORMAL RETIREMENT AGE. Participants who have
attained their Normal Retirement Age will continue to participate in the Plan to
the same extent as those Participants who have not yet attained their Normal
Retirement Age.

                                   ARTICLE IV
                          TRUST FUND AND CONTRIBUTIONS

        4.1 TRUST FUND. Pursuant to the terms of the Plan, the Company
established a trust, with the Trustee as the trustee thereunder. The Trustee has
agreed to hold and administer in trust all amounts accumulated under the Plan
under the terms of this Plan.

        4.2 COMPANY CONTRIBUTION.

               (a) The Company shall contribute to the Trust Fund an amount
equal to the Participant Deferrals under Article V, the Matching Contribution,
if any, under Section 4.3 and an additional amount, if any, determined by the
Board of Directors in its discretion.

               (b) In no event shall the amount of the contribution by the
Company under this Plan (including Deferrals) exceed the maximum allowable
deduction available to the Company for its fiscal year under Sections 404 and
413(c)(6) of the Code.

               (c) No contribution shall be made by the Company at any time when
its allocation would be precluded by the limitations of Article XIV.

               (d) All contributions by the Company under this Plan may be made
in kind or in cash, or in both, and shall be made directly to the Trustee and
may be made on any date or dates selected by the Company.

               (e) All contributions by the Company for a Plan Year shall be
made within the time prescribed by law for filing the Company's federal income
tax return (including extensions) for the Company's fiscal year corresponding to
the Plan Year.

        4.3 MATCHING CONTRIBUTIONS. Each Plan Year, with the exception of
American National Financial, Inc. and its Affiliated Companies, the Company
shall contribute to the Plan a Matching Contribution equal to 50% of each
Elective Deferral made by each Participant for the Plan Year up to

                                       15
<PAGE>

a maximum of 6% of each Participant's Compensation for the Plan Year. In
addition to the above, each Plan Year, the Company, in its sole and absolute
discretion, may contribute to the Plan a discretionary Matching Contribution.
All Matching Contributions shall be made to the Plan within the time prescribed
by law, including extensions of time, for the filing of the Company's federal
income tax return for the year.

        4.4 CATCH-UP CONTRIBUTIONS. Commencing January 1, 2002, if the Board of
Directors for the Company, an Affiliated Company or a Related Company, in its
sole and absolute discretion, provides, all Participants who are eligible to
make Deferrals under the Plan and who have attained age fifty on or before the
last day of any Plan Year shall be eligible to make Catch-Up Contributions to
the Plan, in accordance with and subject to the limitations of Code Section
414(v). Any such Catch-Up Contributions shall be made within the time prescribed
by law for filing the Company's federal income tax return (including extensions)
for the Company's fiscal year corresponding to the Plan Year. The Committee
shall prescribe rules authorizing Catch-Up Contributions to the Plan. These
rules shall be designed to insure that these contributions satisfy the
requirements of Code Section 414(v), and any other provision of law that is, or
may become applicable.

        4.5 IRREVOCABILITY.

               (a) In no event shall any of the assets of the Plan revert to the
Company except as provided in this Section.

               (b) In the case of a Company Contribution that is made by reason
of a mistake of fact, at the Company's election, the contribution shall be
returned to the Company within one year after it is made.

               (c) All Company Contributions to the Plan are hereby conditioned
on the initial qualification of the Plan under Code Section 401(a). If the Plan
receives an adverse determination with respect to its initial qualification, at
the Company's election, the Plan may be revoked and all such contributions (and
assets derived therefrom) shall be returned to the Company within one year after
the date of denial of the qualification of the Plan by the Internal Revenue
Service. An application for a determination letter regarding the tax-qualified
status of the Plan shall be filed with the Internal Revenue Service within the
time prescribed by law for filing the Company's federal income tax return for
the taxable year in which the Plan was adopted, or such later date as the
Internal Revenue Service may prescribe.

               (d) All Company Contributions to the Plan are hereby conditioned
on their deductibility under Code Sections 404 and 413(c)(6), determined without
regard to Section 404(a)(5). To the extent a deduction is disallowed, at the
Company's election, any such contribution shall be returned to the Company
within one year after the disallowance. For this purpose, a contribution shall
have been deemed to have been disallowed if it was made by the Company with the
intention that it be deductible, but the Company does not claim the deduction on
its federal income tax return because it determines that the contribution is not
legally deductible. In such a case, the date of the disallowance shall be deemed
to be the earlier of the date of the filing of the federal income tax return or
the date on which the Company verifies to the Trustee that the contribution was
not deductible.

                                       16
<PAGE>

               (e) In the case where amounts are held in a Suspense Account
under Article XIV that may not be allocated to the Accounts of Participants when
the Plan is terminated, the excess amounts may revert to the Company in
accordance with the regulations under Code Section 415.

               (f) In the case of a Participant's Excess Deferrals to the Plan,
notwithstanding any other provision of this Plan, the amount of the excess
Deferrals may be treated in accordance with the rules of Article V.

        4.6 INVESTMENTS IN EMPLOYER SECURITIES AND EMPLOYER REAL PROPERTY. The
Plan is authorized to invest in employer securities and employer real property
(as those terms are defined in Section 407 of ERISA), to the extent permitted in
ERISA. The assets of the Plan may be invested, primarily or exclusively, in
employer securities (as defined in Section 407 of ERISA).

        4.7 INVESTMENT DIRECTION BY PARTICIPANTS. Pursuant to such rules and
procedures as may be prescribed by the Committee, Participants may direct the
investment of the assets in some or all of their Accounts.

                                    ARTICLE V
                              PARTICIPANT DEFERRALS

        5.1 DEFERRAL ELECTION.

               (a) Each Participant (and each individual who will become a
Participant in that Plan Year) may elect to defer the receipt of a portion of
his Compensation for that Plan Year and to have the deferred amount contributed
directly by the Company to the Plan.

               (b) In the case of an Employee who becomes a Participant in the
Plan during the Plan Year, the Employee shall be entitled, as of the date he
commences participation in the Plan, to elect to defer the receipt of a portion
of his Compensation for the remainder of that Plan Year and to have the deferred
amount contributed by the Company directly to the Plan.

               (c) The Committee shall prescribe such rules and procedures as it
deems necessary or appropriate regarding the deferral election under this
Section. These rules may provide that deferral elections may be made on a more
frequent basis or at other times than as set forth above.

        5.2 AMOUNT SUBJECT TO A DEFERRAL ELECTION.

               (a) The amount of a Participant's Compensation that may be
deferred subject to the election provided in Section 5.1 shall be a whole
percentage of the Participant's Compensation, not to exceed 15% of his
Compensation. The Committee may prescribe rules under which the maximum amount
that may be deferred by a Participant who is a Highly Compensated Employee shall
be a lesser percentage of his Compensation than the maximum amount that may be
deferred by a Participant who is not a Highly Compensated Employee.

                (b) Notwithstanding anything in this Plan to the contrary, the
maximum amount that a Participant may defer in a single calendar year under the
Plan when combined with any other elective deferrals of the Participant under
any other qualified plan or plans is limited to $7,000. This amount shall be
adjusted for increases in the cost-of-living, as determined under Section 402(g)
of the Code. Notwithstanding anything in this Plan to the contrary, the maximum
amount that a Participant may defer in a single calendar year under the Plan
when combined with any other elective

                                       17
<PAGE>

deferrals of the Participant under any other qualified plan or plans is limited
to the dollar limitation set forth in Section 402(g) of the Code in effect at
the beginning of the Plan Year.

               (c) Amounts that are deferred pursuant to a deferral election
under Section 5.1 shall be treated as Company Contributions for purposes of Code
Sections 401(k) and 414(h).

        5.3 AVERAGE DEFERRAL PERCENTAGE TESTS. The Committee shall monitor the
Deferrals by Participants to insure that, at all times, either the Average
Deferral Percentage for Highly Compensated Employees for the Plan Year is not
more than the Average Deferral Percentage for all other Covered Employees
multiplied by 1.25 or the excess of the Average Deferral Percentage of the group
of Highly Compensated Employees over that of all other Covered Employees is not
more than two percentage points, provided that the Average Deferral Percentage
for the group of Highly Compensated Employees is not more than twice the Average
Deferral Percentage for all other Covered Employees. The Company shall maintain
records sufficient to demonstrate satisfaction of the requirements of this
Section. The Company has elected to use the Average Deferral Percentage in this
Section applied by comparing the previous Plan Year's Average Deferral
Percentage for Employees who are Highly Compensated Employees with the previous
Plan Year's Average Deferral Percentage for all other Covered Employees. This
election by the Company can be undone only if the Plan satisfies the
requirements set forth in Internal Revenue Service Notice 98-1.

        5.4 PROSPECTIVE REDUCTIONS OF DEFERRALS. The Committee may, if it so
decides in its discretion, determine prior to the end of the Plan Year whether
or not the Average Deferral Percentage tests of Section 5.3 are satisfied. If,
pursuant to these estimations by the Committee, the tests will not be satisfied,
the Committee may elect, in its discretion, to reduce the Deferrals on behalf of
Highly Compensated Employees, or undertake such other actions as it deems
necessary to insure that favorable income tax treatment is available to
Participants under Code Section 401(k).

        In the event that the Deferrals by the Highly Compensated Employees are
reduced by Committee action, such reductions will be accomplished in the manner
described in Section 5.6.

        5.5 DISTRIBUTIONS OF EXCESS DEFERRALS. In the event a Participant
deferred more than the maximum permitted under Section 5.2(b) above ("Excess
Deferrals"), whether under only this Plan, or under this Plan and another plan,
the Participant may request the Committee to distribute such Excess Deferrals,
together with earnings under Section 5.11, under this Section. Any Excess
Deferrals shall be distributed no later than April 15 following the calendar
year in which the Excess Deferral was contributed to the Plan. A Participant may
request a distribution of his Excess Deferrals by making a claim to the
Committee in accordance with the rules and procedures adopted by the Committee.
Any claim under this Section shall be:

                (a) In writing;

                (b) Submitted to the Committee no later than March 1 following
the close of the calendar year in which the Excess Deferral was made;

                (c) Accompanied by the Participant's written statement that if
such amounts are not distributed, such Excess Deferral, when added to amounts
deferred under other plans or arrangements described in Code Sections 401(k),
408(k) or 403(b), exceeds the limit imposed on the Participant by Code Section
402(g) for the calendar year in which the Excess Deferral was made.

                                       18
<PAGE>

        5.6 DISTRIBUTIONS OF EXCESS CONTRIBUTIONS. In the event that the Plan
fails to satisfy the Average Deferral Percentage Tests of Section 5.3 as of the
last day of the Plan Year and the Company does not make a Fail-Safe Contribution
under Section 5.9, remedial action shall be taken under this Section.

        If the Company elects not to make a Fail-Safe Contribution, the Company
shall distribute all Excess Contributions, together with earnings under Section
5.11, in accordance with this Section.

               (a) In the event that the Company is required to distribute
Excess Contributions, the Company shall first calculate the dollar amount of
Excess Contributions for each affected Highly Compensated Employee participating
in the Plan in the manner described in Code Section 401(k)(8)(B). The Company
shall then determine the total of the dollar amounts calculated in the previous
sentence. The Company shall then reduce the amount of Deferrals made on behalf
of Highly Compensated Employees starting with the highest dollar amount of
Deferrals until the first of the following occurs:

                        (i) The Plan satisfies the limitations set forth in
        Section 5.3; or

                        (ii) The Deferrals for such Highly Compensated Employee
        is reduced to a dollar amount that equals the Deferrals of the Highly
        Compensated Employee with the next highest dollar amount of Deferrals.
        The Company shall then repeat the application of this Section until the
        Plan satisfies the limitation set forth in Section 5.3.

               (b) For each Highly Compensated Employee, "Excess Contributions"
means the difference between:

                      (i) The Deferrals allocated to the Highly Compensated
        Employee for the Plan Year (determined prior to the application of
        Sections 5.6(a)(i) and (ii) above); and

                      (ii) The amount determined by multiplying the Highly
        Compensated Employee's Deferral Percentage (after the application of
        Sections 5.6(a) and (b)) by his Compensation.

               (c) Notwithstanding the foregoing, in no event shall the Excess
Contributions exceed the Deferrals made on behalf of a Highly Compensated
Employee for a Plan Year.

               (d) The Committee shall undertake action to insure that the
distribution of Excess Deferrals will be made within 2-1/2 months after the end
of the Plan Year for which the contributions were made, but in no event later
than the last day of the Plan Year following the Plan Year in which the Excess
Contributions were made.

               (e) The amount of the distributions of Excess Contributions of
Family Members shall be determined in accordance with the regulations under Code
Section 401(k).

        5.7 SPECIAL RULES APPLICABLE TO MATCHING CONTRIBUTIONS.

                (a) Any Matching Contributions made under this Plan shall
satisfy one or both of the numerical tests set forth in Section 5.3, by
substituting "Average Contribution Percentage" for "Average Deferral Percentage"
each place it appears. In applying those tests, the Plan shall comply with the
rules of Treasury Regulation Section 1.401(m)-2, which precludes multiple use of
the

                                       19
<PAGE>

alternative limitation contained in Section 5.3(c) above. Pursuant to
regulations under Code Section 401(m), a Participant's Deferrals and Fail-Safe
Contributions on his behalf may be taken into account for purposes of this
Section.

               (b) In the event that the Company maintains two or more plans
that must be treated as a single plan for purposes of Code Sections 401(a)(4)
and 410, all such plans shall be treated as a single plan for purposes of this
Section, and all of the Matching Contributions shall be aggregated if a Highly
Compensated Employee participates in more than one plan that provides for
Matching Contributions.

               (c) In the event that the Plan fails to satisfy the tests of this
Section 5.7, the Company shall distribute all Excess Aggregate Contributions,
together with earnings thereon under Section 5.11 in accordance with this
Section. If the Company is required to distribute Excess Aggregate
Contributions, the Company shall rank the Highly Compensated Employees
participating in the Plan by the largest dollar amount of Matching Contributions
in descending order. The Company shall then reduce the amount of Matching
Contributions made on behalf of Highly Compensated Employees starting with the
highest dollar amount of Matching Contributions until the first of the following
occurs:

                        (i)   The Plan satisfies the limitations set forth in
        Section 5.7(a); or

                        (ii)  The Contribution Percentage for such Highly
        Compensated Employee is reduced to a percentage that equals the
        Contribution Percentage of the Highly Compensated Employee with the next
        highest Contribution Percentage. The Company shall then repeat the
        application of this Section until the Plan satisfies the limitation set
        forth in Section 5.7(a).

                        (iii) For each Highly Compensated Employee, "Excess
        Aggregate Contributions" means the difference between:

                                (A) The Matching Contributions allocated to the
                        Highly Compensated Employee for the Plan Year
                        (determined prior to the application of Subsections
                        5.7(c)(i) and (ii) above); and

                                (B) The amount determined by multiplying the
                        Highly Compensated Employee's Contribution Percentage
                        (after the application of Subsections 5.7(c)(i) and
                        (ii)) by his Compensation.

               (d) Notwithstanding the foregoing, in no event shall the Excess
Aggregate Contributions exceed the Matching Contributions made on behalf of a
Highly Compensated Employee for a Plan Year.

               (e) The amount of the Excess Aggregate Contributions shall be
determined after first determining the amount of Excess Deferrals under Section
5.5 and then determining the amount of Excess Contributions under Section 5.6.
Should any Highly Compensated Employee have Excess Deferrals or Excess
Contributions in any Plan Year and have Matching Contributions allocated to the
Highly Compensated Employee's Accounts based upon such amounts, any such
Matching Contributions shall be deemed to be Excess Aggregate Contributions for
that Plan Year.

                                       20
<PAGE>

               (f) Excess Aggregate Contributions shall be taken into account in
applying the limitations of Article XIV and the maximum deduction the Company
may take for contributions to the Plan, even though those amounts are
distributed from the Plan.

               (g) The Company shall maintain records sufficient to demonstrate
satisfaction of the requirements of this Section 5.7.

        5.8 TERMINATION, CHANGE, OR RESUMPTION OF DEFERRALS. The Committee shall
prescribe such rules as it deems necessary or appropriate relating to procedures
for the termination, resumption, or change in the rate of a Participant's
Deferrals to the Plan. These rules may require prior written notice to the
Committee from the Participant before any such action may be taken with respect
to a Participant's Deferrals, and may impose a minimum period of suspension in
the case of a Participant who terminates his Deferrals.

        5.9 FAIL-SAFE CONTRIBUTIONS. In addition to those amounts which may be
contributed to the Trust Fund by the Company under Sections 4.2 and 5.1, the
Company may, in the sole discretion of the Board of Directors, contribute such
additional amounts to the Deferral Accounts of various Participants as it deems
necessary or appropriate for any Plan Year to insure satisfaction of either the
Average Deferral Percentage test set forth in Section 5.3 or the Average
Contribution Percentage tests set forth in Section 5.7. Fail-Safe Contributions
shall be treated as a Deferral for all purposes under the Plan except that such
contributions shall not be eligible for a Matching Contribution allocation under
Section 6.2(c).

        5.10 PAYMENT OF DEFERRALS. Deferrals shall be collected by the Company
only through payroll deductions. The Company shall remit the Deferrals to the
Trustee as soon as practicable in accordance with the law.

        5.11 EARNINGS ADJUSTMENT. The distribution of an Excess Deferral under
Section 5.5, an Excess Contribution under Section 5.6 or an Excess Aggregate
Contribution under Section 5.7 shall be adjusted for income or loss. The income
or loss attributable to such amounts shall include a pro rata share of income or
loss in the Plan Year in which the Excess Deferral, Excess Contribution or
Excess Aggregate Contribution was made (the "Contribution Year Income") and a
pro rata share of income or loss for the period between the end of the Plan Year
in which the Excess Deferral, Excess Contribution or Excess Aggregate
Contribution was made and the date of distribution under Section 5.5, 5.6 or 5.7
(the "Distribution Year Income").

                (a) The Contribution Year Income shall be determined by
multiplying the income or loss for the Plan Year allocable to the Participant's
Deferrals or Matching Contributions by a fraction, the numerator of which is the
Excess Deferral, Excess Contribution or Excess Aggregate Contribution and the
denominator of which is the total balance of the Participant's Account
attributable to Deferrals or Matching Contributions.

                (b) The Distribution Year Income shall be determined by
multiplying 10% of the Contribution Year Income by the number of calendar months
that elapsed since the end of the Plan Year in which the Excess Deferral, Excess
Contribution or Excess Aggregate Contribution was made. For purposes of
determining the number of calendar months that have elapsed since the end of the
Plan Year in which the Excess Deferral, Excess Contribution or Excess Aggregate
Contribution was made, a distribution occurring on the first fifteen days of a
calendar month shall be deemed

                                       21
<PAGE>

made on the last day of the preceding month. A distribution occurring after the
fifteenth day of a calendar month shall be deemed made on the first day of the
next succeeding calendar month.

        5.12 SPECIAL RULES.

               (a) Any distribution made under Section 5.5, 5.6 or 5.7 may be
made without any notice or consent otherwise required by Article VIII. Any
distribution under Sections 5.5, 5.6 or 5.7, however, will not be taken into
account for purposes of the minimum distribution rules of Section 8.3.

               (b) A Deferral shall be taken into account under Section 5.3 for
a Plan Year only if the Deferral relates to Compensation that, but for the
election to make the Deferral, either would have been received by the
Participant for the Plan Year or is attributable to services performed by the
Participant in the Plan Year and would have been received by the Participant
within 2 1/2 months after the close of the Plan Year.

               (c) All elective deferrals made under two or more plans that are
aggregated for purposes of Code Sections 401(a)(4) or 410(b) (other than Code
Section 410(b)(2)(A)(ii)) shall be treated as though made under a single plan.
All plans that are permissibly aggregated under Code Section 401(k) must also
satisfy the requirements of Code Sections 401(a)(4) and 410(b) as though they
were a single plan.

                (d) For purposes of Section 5.3, the Deferral Percentage for
Family Members is the greater of:

                      (i)  The Deferral Percentage determined by combining the
        amount of Deferrals and Compensation of all Family Members who are
        Highly Compensated Employees without regard to aggregation of all Family
        Members; or

                      (ii) The Deferral Percentage determined by combining the
        Deferrals and Compensation of all Family Members.

        Except as provided in this Section, the Deferrals and Compensation of
all Family Members are disregarded in determining the Average Deferral
Percentage for Highly Compensated Employees and all other Covered Employees.

               (e) For purposes of Section 5.6, if the Deferral Percentage for a
Highly Compensated Employee is determined under Subparagraph (d)(ii) above,
Excess Contributions shall be determined for all Family Members in accordance
with the leveling method described in Section 1.401(k)-1(f)(2) of the Treasury
Regulations and the Excess Contributions so determined shall be allocated among
the Family Members in proportion to the Deferrals of each Family Member that has
been combined.

                (f) For purposes of Section 5.6, if the Deferral Percentage for
a Highly Compensated Employee is determined under sub-paragraph (d)(i) above,
Excess Contributions shall be determined in accordance with the leveling method
described in Section 1.401(k)-1(f)(2) of the Treasury Regulations, but not below
the Deferral Percentages of eligible Family Members who are not Highly
Compensated Employees. Excess Contributions shall be determined under Section
5.6 without regard to family aggregation. If further reduction is necessary,
Excess Contributions shall be

                                       22
<PAGE>

determined using the Deferrals of all eligible Family Members and shall be
allocated among Family Members in proportion to their Deferrals.

        5.13 OTHER BENEFITS. With the exception of Matching Contributions, no
other Company provided benefit, including, but not limited to, benefits under a
defined benefit plan, non-elective Company contributions to a defined
contribution plan, the availability, cost or amount of health benefits,
vacations or vacation pay, life insurance, dental plans, legal service plans,
loans (including plan loans), financial planning services, subsidized retirement
benefits, stock options, property subject to Code Section 83 and dependent care
assistance shall be directly or indirectly conditioned upon any Employee's
election to make Deferrals under the Plan.

        5.14 ROLLOVER CONTRIBUTIONS. Any Employee who is eligible to become a
Participant may make a Rollover to the Plan under this Section. A Rollover will
not be permitted, however, unless it satisfies the applicable requirements of
Section 402(a)(5) of the Code or Section 11.2 of the Plan. A Rollover permitted
under this Section shall not be considered a Deferral for purposes of the rules
of Articles V, VIII, or XIV.

               (a) Commencing January 1, 2002, if the Committee, in its sole and
absolute discretion, provides, the Plan will accept direct Participant rollovers
from any, or all of (i) qualified retirement plans described in Code Sections
401(a) or 403(a), including or excluding after-tax employee contributions; (ii)
an annuity contract described in Code Section 403(b), excluding after-tax
employee contributions; or (iii) an eligible plan under Code Section 457(b)
which is maintained by a state, political subdivision of a state or any agency
or instrumentality of a state or political subdivision of a state.

               (b) Commencing January 1, 2002, if the Committee, in its sole and
absolute discretion, provides, the Plan will accept direct Participant rollovers
from an individual retirement account or annuity described in Code Sections
408(a) or 408(b).

        5.15 RELATED COMPANIES. It is intended that the Plan be administered as
a multiple employer plan as defined in Code Section 413(c). The Committee shall
provide for the application of this Article to Related Companies in accordance
with the rules of Code Section 413(c) and the regulations promulgated
thereunder. A Related Company may elect to apply the rules of this Article to
its Participants independent from the Company and the Affiliated Companies. In
the event such an election is made, the Committee shall provide any and all
rules and procedures reasonably required to accomplish the separate testing for
the electing Related Company or Related Companies. The Related Company or
Related Companies shall use its best efforts to provide any and all information
or documents reasonably required by the Company to report the independent
application of this Article to that Related Company or Related Companies.

                                   ARTICLE VI

                      ALLOCATIONS TO PARTICIPANTS' ACCOUNTS

        6.1 PARTICIPANTS' COMPANY CONTRIBUTIONS ACCOUNT. The Committee shall
open and maintain a separate Company Contributions Account, a Matching
Contributions Account, a Rollover Account (if applicable) and a Deferrals
Account for each Participant.

        6.2 ALLOCATION OF COMPANY CONTRIBUTIONS. The Company Contribution for
each Plan Year shall be allocated to the Accounts of each Participant according
to the following rules:

                                       23
<PAGE>

                (a) A Participant's Deferrals shall be allocated to his
Deferrals Account.

                (b) Fail-Safe Contributions shall be made only on behalf of
those Participants who do not qualify as Highly Compensated Employees. Unless
the Board of Directors for the Company determines that the Fail-Safe
Contributions be allocated in a different manner, Fail-Safe Contributions shall
be allocated to the Deferrals Account of those Participants who are not Highly
Compensated Employees, have completed a Year of Service during the Plan Year and
are employed by the Company on the last day of the Plan Year in the proportion
of the Participant's Deferrals during the Plan Year compared to the aggregate
Deferrals of all Participants receiving an allocation under this Section.

                (c) Unless the Board of Directors determines that the Matching
Contribution be allocated in a different manner, Matching Contributions shall be
allocated among those Participants who made Deferrals during the Plan Year to
the Matching Contributions Account of the Participant in accordance with Section
4.3.

                (d) In the event that the Company, in its sole and absolute
discretion, elects to make "True-Up" Matching Contributions to the Plan for a
Plan Year, a Participant must be employed on the last day of the Plan Year in
order to be eligible to receive his share of the True-Up Matching Contribution.
As used herein, "True-Up" Matching Contributions means those Company
Contributions, if any, made by the Company, in its sole and absolute discretion,
which are intended to correct an unequal allocation of the Company Matching
Contribution for a Plan Year based upon the Company's payroll or software
systems.

                (e) The Company Contribution for each Plan Year shall be
allocated among those Participants that have completed 1,000 Hours of Service
and are employed on the last day of the Plan Year in the proportion that each
such Participant's Compensation during that Plan Year bears to the aggregate
Compensation of all Participants during that Plan Year.

                (f) For purposes of making the allocations of Company
contributions under this Article, any Company contributions made with respect to
a particular Plan Year that are made after the end of the year but on or before
the Company's federal income tax return due date (including extensions) shall be
considered as having been made on the last day of the Plan Year.

                (g) Allocations made pursuant to this Section shall not be made
until after the allocations required by Sections 6.3, 6.5, and 14.5 have been
made.

        6.3 REVALUATION OF PARTICIPANTS' ACCOUNTS ON EACH VALUATION DATE. Within
sixty days after each Valuation Date, the Trustee shall value the assets of the
Trust on the basis of fair market values. Upon receipt of the valuations from
the Trustee, the Committee shall revalue the Accounts of each Participant as of
the applicable Valuation Date so as to reflect a proportionate share in any
increase or decrease in the fair market value of the assets in the Trust Fund,
determined by the Trustee as of that date as compared with the value of the
assets in the Trust Fund determined as of the immediately preceding Valuation
Date.

        The increase or decrease shall be allocated to each Account in the
proportion that the cumulative amount previously allocated to the Account, bears
to the total of the amounts previously allocated to all Accounts, adjusted for
any contributions to or distributions from the Account since the immediately
preceding Valuation Date.

                                       24
<PAGE>

        Notwithstanding the above, the following rules shall apply in the event
the Accounts of Participants are invested on a segregated basis, the investment
gain or loss attributable to the segregated investments shall be allocated to
the corresponding Accounts. In addition, any expenses incurred solely by reason
of a segregated Account shall be borne by that Account.

        6.4 FORFEITURES. Any amount of a Participant's Matching Contributions
Account or Company Contributions Account that is forfeited shall be used first,
to restore the Accounts of former Participants under Section 8.8, and second,
any remaining amounts will be allocated first to pay administrative expenses of
the Plan as defined in Section 10.10 if not paid by the Company, then to the
Matching Contributions Accounts of other Participants in accordance with the
rules of Section 6.2(c) or (d) and then either carried forward and applied in
future Plan Years under this Section or to the Company Contributions Account in
accordance with the rules of Section 6.2(e) as determined by the Committee in
its sole discretion.

        6.5 MISCELLANEOUS ALLOCATION RULES. Upon a Participant's Severance,
pending distribution of the Participant's Vested Interest, the Participant's
Accounts shall continue to be maintained and accounted for in accordance with
all applicable provisions of this Plan. The Committee may establish accounting
procedures for the purpose of making the allocations, valuations and adjustments
to Participants' Accounts provided for in this Article VI. The Company, the
Committee, and the Trustee do not in any manner or to any extent whatsoever
warrant, guarantee or represent that the value of a Participant's Accounts shall
at any time equal or exceed the amount previously contributed thereto.

                                   ARTICLE VII
                                     VESTING

        7.1 GENERAL RULE. The Vested Interest of each Participant in his
Matching Contributions Account and Company Contributions Account shall be
determined on the basis of his Years of Service, in accordance with the
following schedule:

<TABLE>
<CAPTION>

                      YEARS OF SERVICE                 VESTED PERCENTAGE
                      ----------------                 -----------------
                      <S>                              <C>
                      Less than one year                      0%
                      One year                               34%
                      Two years                              67%
                      Three years or more                   100%
</TABLE>

        7.2 SPECIAL VESTING RULES. Notwithstanding the rules of Section 7.1, the
determination of a Participant's Vested Interest in his Matching Contributions
Account and Company Contributions Account shall be subject to the following
rules:

               (a) During a Participant's period of employment with the Company,
in the event of his death, Disability, or attainment of Normal Retirement Age,
he shall become 100% vested in his Matching Contributions Account and Company
Contributions Account.

               (b) In the case of any Participant who does not have any Vested
Interest and who incurs five consecutive Breaks in Service, his Years of
Service, if any, after the Breaks in Service shall not be taken into account for
purposes of determining his Vested Interest in his Matching

                                       25
<PAGE>

Contributions Account and Company Contributions Account that accrued before the
Breaks in Service.

               (c) No amendment shall be made to the vesting schedule under
Section 7.1 if the non-forfeitable percentage of a Participant's Account
(determined as of the later of the date such amendment is adopted or the date
the amendment becomes effective) is less than such non-forfeitable percentage
computed without regard to such amendment.

               (d) If a Plan amendment changes the vesting schedule under
Section 7.1 or indirectly affects the computation of the non-forfeitable portion
of a Participant's Account, each Participant who has completed at least three
Years of Service may elect within a reasonable period of time after the adoption
of such amendment to have his nonforfeitable percentage computed without regard
to such amendment or change.

        7.3 PARTICIPANT'S VESTED INTEREST IN OTHER ACCOUNTS. A Participant shall
always be 100% vested in his Deferrals Account and in his Rollover Contributions
Account.

                                  ARTICLE VIII
                               PAYMENT OF BENEFITS

        8.1 COMMENCEMENT OF BENEFITS. Subject to the following rules of this
Article, a Participant's benefit shall not be distributed prior to his
Severance. Any distribution under this Article shall be made as soon as
practical following the receipt of the valuation of the assets of the Plan as of
the last day of the Plan Year coinciding with or next following his Severance.
All distributions shall be in a single lump sum payment of cash or assets, as
determined by the Committee.

        8.2 LATEST PAYMENT DATE. Except as provided below, payment of the
Participant's entire Vested Interest under the Plan shall begin in no event
later than his "Latest Payment Date," which is the sixtieth day after the close
of the Plan Year in which the latest of the following events occurs:

              (a)    The Participant's Normal Retirement Age;

              (b)    The tenth anniversary of the date on which he commenced
participation in the Plan; or

              (c) The termination of his employment with the Company or an
Affiliated Company.

        If it is not possible to make payment to a Participant by his Latest
Payment Date because the amount of his benefit cannot be ascertained by that
date, or because the Committee has been unable to locate the Participant after
making reasonable efforts to do so, the payment shall be made no later than
sixty days after the earliest date on which the amount of the payment can be
ascertained or the date on which the Participant is located (whichever is
applicable).

        8.3 REQUIRED BEGINNING DATE. The interest of each Participant shall be
distributed to the Participant not later than his Required Beginning Date.
"Required Beginning Date" means April 1 of the calendar year following the later
of: (a) the calendar year in which the Participant attains age 70-1/2 and (b)
the calendar year in which the Participant retires. In the case of a Five
Percent Owner,

                                       26
<PAGE>

"Required Beginning Date" means April 1 of the calendar year following the
calendar year in which the Participant attains age 70 1/2.

        8.4 ELECTION TO DEFER DISTRIBUTION. A Participant may elect to defer the
commencement of his retirement benefits to a date later than his Latest Payment
Date as determined under Section 8.2, but the Participant may not defer the
commencement of his retirement benefits beyond his Required Beginning Date
specified in Section 8.3. Any such election shall be made by submitting to the
Trustee a written statement, signed by the Participant, which sets forth the
date on which the Participant wants the payment of his retirement benefits to
occur.

        8.5 CONSENT TO RECEIVE EARLY DISTRIBUTION.

                (a)     A distribution shall not immediately occur prior to the
Participant's Normal Retirement Age where the present value of the Participant's
Vested Interest exceeds $3,500 unless he and his Spouse (if applicable) elect to
receive the distribution (in a manner consistent with the regulations under
Section 417 of the Code) within ninety days prior to the distribution, in a
manner consistent with the regulations under Code Section 417. Commencing
January 1, 2002, for purposes of the determining if a Participant's Account
exceeds $5,000 under this Section, Rollover Accounts, including both Rollover
Contributions under Section 5.14 and the earnings thereon, shall not be
considered.

                (b)     Failure to consent to such a distribution shall be
deemed an election to defer the distribution until the earlier of the
Participant's death or the Participant's Normal Retirement Age.

                (c)     This consent requirement shall not apply in the case of
the termination of the Plan, provided neither the Company nor any Affiliated
Companies maintain any other defined contribution plan, other than an employee
stock ownership plan. If the Participant does not consent to an immediate
distribution, his benefit shall be transferred to the other defined contribution
plan. The consent requirement of this Section shall not apply in the case of the
death of the Participant.

                (d)     Effective January 1, 1998, this Section is amended to
change "$3,500" to "$5,000" in paragraph (a) above. In addition, effective
January 1, 2002, amounts held in a Participant's Rollover Account shall not be
considered in applying the $5,000 amount under paragraph (a) above.

        8.6 DISTRIBUTIONS UPON DEATH.

                (a)     In the event of the death of a Participant, his benefit
shall be paid to a Beneficiary other than his surviving Spouse only if:

                        (i)     The Spouse of the Participant consents in
        writing to the designation of Beneficiary;

                        (ii)    The election designates a Beneficiary (or a form
        of benefits) which may not be changed without spousal consent (or the
        spousal consent expressly permits designations without any requirement
        of further consent by the Spouse); and

                        (iii)   The Spouse's consent acknowledges the effect of
        the designation and is witnessed by a Plan Representative or a notary
        public; or

                                       27
<PAGE>

                        (iv)    It is established to the satisfaction of a Plan
        Representative that the consent required by Subparagraph (i) above may
        not be obtained because there is no Spouse, because the Spouse cannot be
        located, or because of such other circumstances as may be set forth in
        regulations under Code Section 417(a)(2).

        "Plan Representative" shall mean the person or persons designated by the
Committee to perform the duties specified herein.

                (b)     Any consent by a Spouse (or establishment that the
consent of a Spouse may not be obtained) under Paragraph (a) above will be
effective only with respect to that Spouse.

                (c)     If a Participant dies before distribution of his benefit
has begun, his entire benefit shall be distributed within five years of his
death.

                (d)     If distribution to a Participant has begun and the
Participant dies before his entire Account has been distributed, the remaining
portion of such benefit shall be distributed to the Beneficiary at least as
rapidly as under the method of distribution being used as of the date of the
Participant's death.

                (e)     Any distribution required by the rules applicable to
incidental death benefits shall be treated as a distribution required by this
Section. All distributions required under this Section shall be determined and
made in accordance with the proposed regulations under Code Section 401(a)(9),
including the minimum distribution incidental benefit requirement of Section
1.401(a)(9)-2 of the proposed regulations.

        8.7 DESIGNATION OF BENEFICIARY. In the case where a deceased Participant
failed to designate a Beneficiary, the Committee is unable to locate a
designated Beneficiary, the Beneficiary predeceased the Participant or the
designation of the Beneficiary by the Participant is legally ineffective, any
distribution on behalf of a Participant shall be paid to the person or persons
included in the highest priority category among the following:

                (a)     The Participant's surviving Spouse;

                (b)     The Participant's surviving children, including adopted
        children;

                (c)     The Participant's surviving parents;

                (d)     The Participant's brothers and sisters (whether whole or
        half-blood); or

                (e)     The Participant's estate.

        8.8 DISTRIBUTIONS TO PARTIALLY VESTED PARTICIPANTS. If a Participant
incurs a Severance prior to becoming fully vested, his interest in the Plan
shall be determined and disposed of as follows:

                (a)     In the event that a distribution of Company
Contributions is made to a Participant at a time when he is not fully vested in
such amounts, the nonvested portion of the Participant's Account shall be
forfeited as of the date of the distribution.

                                       28
<PAGE>

                (b)     A Participant who received a distribution described in
Paragraph (a) above may recontribute the amount of the distribution he received
as of that date. The repayment must be made (if at all), however, not later than
the date specified below:

                        (i)     In the case of a distribution upon Severance,
        the earlier of the fifth anniversary of the Employee's Reemployment
        Commencement Date, or the date on which the Participant incurs five
        consecutive Breaks in Service; or

                        (ii)    In any other case, the fifth anniversary of the
        date of the withdrawal.

                (c)     If the Participant repays the amount of the distribution
within the prescribed time period, the amount of his Account balance shall be
completely restored. Neither the amount recontributed nor the Account balance
(previously forfeited) shall be adjusted for gains, losses, or interest in the
interim period.

                (d)     If the Participant does not repay the amount of the
distribution and he incurs a second Severance prior to becoming fully vested,
the amount to be distributed to him shall be equal to the sum of the amount in
his Account as of the date of the second distribution and the amount previously
distributed to him multiplied by his vested percentage, minus the amount
previously distributed to him.

                (e)     If the Participant has no vested interest in the Plan
upon the occurrence of a Severance, the entire balance of his Account shall be
forfeited upon such Severance.

                (f)     Forfeitures under this Section shall be used as provided
in Section 6.4.

        8.9 DISTRIBUTIONS OF DEFERRALS.

                (a)     Notwithstanding anything in this Plan to the contrary,
the amount of a Participant's Deferrals may not be distributed prior to the
occurrence of the earliest of any of the events described below:

                        (i)     Separation from service, death, or disability;

                        (ii)    Termination of the Plan without establishment of
        a successor plan;

                        (iii)   Sale of substantially all of the assets used by
        the Company in a trade or business (applicable only to the transferred
        Employees); or

                        (iv)    Sale of the Company's interest in a subsidiary
        corporation (applicable only to the transferred Employees).

                (b)     The Committee may prescribe rules and procedures which
permit a Participant to make withdrawals of his Deferrals prior to termination
of employment if the Participant has attained age 59-1/2.

                (c)     A Participant shall not be entitled to make withdrawals
of his Deferrals, other than as provided in this Section. The Committee shall
prescribe such rules as it deems necessary regarding the timing of payments
under this Section.

                                       29
<PAGE>

        8.10 VALUATION OF ACCOUNTS. All distributions to Participants or their
Beneficiaries shall be based on the amount of the Participant's Accounts as of
the Valuation Date immediately preceding the date on which the Participant's
Vested Interest is distributed.

        8.11 Payees under Legal Disability. If any payee under the Plan is a
minor, or if the Committee reasonably believes that any payee is legally
incapable of giving a valid receipt and discharge for any payment due him, the
Committee may have the payment, or any part of it, made to the person (or
persons or institution) whom it reasonably believes is caring for or supporting
the payee.

        8.12 NOTICE REGARDING TAX TREATMENT OF DISTRIBUTIONS. The Plan
Administrator shall provide a written explanation regarding the Code provisions
relating to the tax treatment of distributions to each distributee receiving a
distribution any portion of which may be rolled over tax-free to another
tax-qualified retirement plan or to an individual retirement account.

        8.13 INSERVICE DISTRIBUTIONS. No hardship distributions are permitted
under the Plan. Notwithstanding the above, Participants in the Chicago Title &
Trust Plan on December 31, 2000 may withdraw Company Contributions, excluding
those designated as "+Plus," once in any Computation Period if the Participant
has been a Participant for five Plan Years. Any such withdrawal shall be in
increments of at least $500. There are no limits or restrictions on the
Participant's after-tax and rollover balance.

        8.14 DIRECT ROLLOVERS. Any Distributee may elect, at the time and in the
manner prescribed by the Committee, to have any portion of an Eligible Rollover
Distribution paid directly to an Eligible Retirement Plan specified by the
Distributee in a Direct Rollover.

        As used in this Section, the following definitions will apply:

                (a)     "Eligible Rollover Distribution" means any distribution
of all or any portion of the balance to the Account of the Distributee, except
that an Eligible Rollover Distribution does not include:

                        (i)     any distribution that is one of a series of
        substantially equal periodic payments (not less frequently than
        annually) made for the life (or life expectancy) of the Distributee or
        the joint lives (or joint life expectancies) of the Distributee and the
        Distributee's designated Beneficiary or for a specified period of ten
        years or more;

                        (ii)    any distribution to the extent such distribution
        is required under Code Section 401(a)(9);

                        (iii)   the portion of any distribution that is not
        includible in gross income (determined without regard to the exclusion
        for net unrealized appreciation with respect to employer securities);
        and

                        (iv)    hardship distributions as defined in Code
        Section 401(k)(2)(B)(i)(IV), which are attributable to the Participant's
        elective contributions under Treasury Regulations Section
        1.401(k)-1(d)(2)(ii).

                (b)     "Eligible Retirement Plan" means an individual
retirement account described in Code Section 408(a), an individual retirement
annuity described in Code Section 403(b) or a

                                       30
<PAGE>

qualified trust described in Code Section 401(a) that accepts the Distributee's
Eligible Rollover Distribution. In the case of an Eligible Rollover Distribution
of a surviving spouse, an Eligible Retirement Plan means an individual
retirement account described in Code Section 408(a) or an individual retirement
annuity described in Code Section 403(b).

                (c)     "Distributee" means an Employee, former Employee or the
surviving spouse of an Employee or former Employee or a former spouse of an
Employee or former Employee who is the Alternate Payee of a Qualified Domestic
Relations Order.

                (d)     "Direct Rollover" means a payment by the Plan to the
Eligible Retirement Plan specified by the Distributee.

        8.15 DISTRIBUTIONS OF ROLLOVERS. Notwithstanding the above, a
Participant may withdraw his Rollover Contributions under Section 5.14 at any
time, by request to the Committee in the manner the Committee determines.

        8.16 PROTECTED BENEFITS. In the event that the Plan receives a Rollover
under Section 5.14 and that Rollover contains an accrued benefit described in
Treasury Regulations Section 1.411(d)-4, including, but not limited to any
optional form of benefit provided by the transferee plan that may not (except in
accordance with those regulations) be reduced, eliminated or made subject to the
Company's discretion ("Protected Benefit"), the Committee shall administer that
Rollover Contribution in accordance with this Section. Such Rollover shall be
allocated to the Participant's Rollover Account and shall be segregated from all
other Accounts of the Participant. The Committee and the Trustee shall preserve
the Protected Benefit for the segregated Rollover Account in accordance with
applicable Treasury Regulations.

                                   ARTICLE IX
                              TOP-HEAVY PLAN RULES

        9.1 APPLICABILITY. Notwithstanding any provision in this Plan to the
contrary, the provisions of this Article shall apply in the case of any Plan
Year in which the Plan is determined to be a Top-Heavy Plan.

        9.2 SPECIAL VALUATION RULES.

                (a)     For purposes of determining the present value of the
cumulative accrued benefit of any Employee, or the amount of the account balance
of any Employee, such present value or amount shall be increased by the
aggregate distributions made with respect to the Employee under the plan during
the five year period ending on the Determination Date. The preceding rule shall
also apply to distributions under a terminated plan that, if it had not been
terminated, would have been required to be included in the Aggregation Group
that includes the Plan.

                (b)     Any rollover contribution or similar transfer initiated
by the Employee and made after December 31, 1983 to a plan shall not be taken
into account with respect to the transferee plan for purposes of determining
whether the plan is a Top-Heavy Plan (or whether any Aggregation Group which
includes the plan is a Top-Heavy Group).

                (c)     If any individual is a Non-Key Employee with respect to
any plan for any plan year, but the individual was a Key Employee with respect
to the plan for any prior plan year, or

                                       31
<PAGE>

has not performed any services for the Company or an Affiliated Company at any
time during the five year period ending on the Determination Date, any accrued
benefit for the individual (and the account balance of the individual) shall not
be taken into account for purposes of determining whether or not the plan is a
Top-Heavy Plan.

        9.3 MINIMUM CONTRIBUTIONS. For each Plan Year in which the Plan is
Top-Heavy, the minimum contributions for that year shall be determined in
accordance with the rules of this Section.

                (a)     Except as provided below, the minimum contribution for
each Participant who is a Non-Key Employee who is employed on the last day of
the Plan Year shall be not less than three percent of his Compensation,
regardless of the number of Hours of Service he completes that Plan Year or his
level of Compensation.

                (b)     The minimum required contribution under Paragraph (a)
above shall be reduced by the Company contributions and forfeitures allocated to
the Participant, in any other defined contribution plan included in the
Aggregation Group that includes the Plan.

                (c)     Subject to the following rules of this Paragraph (c),
the percentage set forth in Paragraph (a) above shall not be required to exceed
the percentage at which contributions (including any Deferrals) are made (or are
required to be made) under the Plan for the year for the Key Employee for whom
the percentage is the highest for the year.

                        (i)     For purposes of this Paragraph, all defined
        contribution plans required to be included in an Aggregation Group shall
        be treated as one plan.

                        (ii)    The rules of this Paragraph shall not apply to
        any plan required to be included in an Aggregation Group if the plan
        enables a defined benefit plan to meet the requirements of Code Sections
        401(a)(4) or 410.

                (d)     The requirements of this Section must be satisfied
without taking into account contributions under chapters 2 or 21 of the Code,
title II of the Social Security Act, or any other Federal or State law.

                (e)     In the event a Participant is covered by both a defined
contribution and a defined benefit plan maintained by the Company, both of which
are determined to be Top-Heavy, the minimum benefit shall be provided under this
Plan, which shall be a contribution of at least five percent of Compensation.

        9.4 MAXIMUM ANNUAL ADDITION.

                (a)     For Plan Years prior to December 31, 1999, and except as
set forth below, in the case of any Top-Heavy Plan, the rules of Sections
14.4(b)(ii) and 14.4(c)(ii) shall be applied by substituting "1.0" for "1.25".

                (b)     The rule set forth in Paragraph (a) above shall not
apply if the requirements of both Subparagraphs (i) and (ii) are satisfied.

                        (i)     The requirements of this Subparagraph (i) are
        satisfied if the Plan would not be a Top-Heavy Plan if "90%" were
        substituted for "60%" each place it appears in Section 2.52.

                                       32
<PAGE>

                        (ii)    The requirements of this Subparagraph (ii) are
        satisfied if the required minimum contribution under Section 9.3(a)
        above would be satisfied if it were applied by substituting "four
        percent" for "three percent" each place it appears therein.
        Notwithstanding the provisions of the preceding sentence, in the case of
        an Employee covered by both this Plan and a Top-Heavy defined benefit
        plan maintained by the Company or an Affiliated Company, the minimum
        contribution/benefit shall be provided solely under this Plan, which
        shall be applied by substituting "7-1/2%" for "three percent" each place
        it appears in Section 9.3(a).

                (c)     The rules of Paragraph (a) shall not apply with respect
to any Employee for any Plan Year as long as there are no:

                        (i)     Annual Additions allocated to the Employee under
        a defined contribution plan maintained by the Company or an Affiliated
        Company, or

                        (ii)    Accruals by the Employee under a defined benefit
        plan maintained by the Company or an Affiliated Company.

        9.5 NON-ELIGIBLE EMPLOYEES. The rules of Sections 9.3 and 9.4 shall not
apply to any Employee included in a unit of Employees covered by an agreement
which the Secretary of Labor finds to be a collective bargaining agreement
between Employee representatives and one or more employers, if there is evidence
that retirement benefits were the subject of good faith bargaining between the
Employee representatives and the Company or whose employment was terminated
before the Plan became Top-Heavy.

                                    ARTICLE X
                    OPERATION AND ADMINISTRATION OF THE PLAN

        10.1 NAMED FIDUCIARIES. The provisions of this Section shall determine
the various parties who are "Named Fiduciaries" (within the meaning of Section
402(a) of ERISA) of the Plan and their respective responsibilities. The Board of
Directors shall be the Named Fiduciary with respect to appointing or removing
the Trustee, an Investment Manager, and the members of the Committee.

        The Trustee shall be the Named Fiduciary with respect to the management
and investment of the assets of the Plan, except to the extent that the Trustee
is subject to the directions of an Investment Manager, the Committee, or
Participants.

        The Committee shall be the Named Fiduciary with respect to all of the
administrative matters relating to the Plan, except to the extent the management
and investment of the assets of the Plan is the responsibility of the Trustee,
an Investment Manager, or the Participants. The Committee shall also serve as
the Plan Administrator.

        10.2   COMPOSITION OF COMMITTEE.

                (a)     The members of the Committee (who need not be
Participants or even Employees) shall be appointed by the Board of Directors of
the Company and shall hold office until termination of such status in accordance
with the provisions of this Article.

                                       33
<PAGE>

                (b)     Any member of the Committee may resign at any time by
giving written notice to the other members and to the Board of Directors of the
Company, effective as therein stated. The Board of Directors of the Company may
remove any member of the Committee at any time. In the case of a Committee
member who is also an Employee of the Company, his status as a Committee member
shall terminate as of the effective date of his Severance, except as otherwise
provided by resolutions of the Board of Directors.

                (c)     Upon the death, resignation, or removal of any Committee
member, the Board of Directors may appoint a successor. The Company in writing
shall give notice of appointment of a successor member to the Trustee and to the
other members of the Committee.

        10.3 COMMITTEE POWERS. The Committee shall have all powers necessary to
supervise the administration of the Plan and control its operations. In addition
to any powers and authority conferred on the Committee elsewhere in the Plan or
by law, the Committee shall have the following powers and authority:

                (a)     To allocate fiduciary responsibilities among the Named
Fiduciaries and to designate one or more other persons, including Investment
Managers (within the meaning of Section 3(38) of ERISA), to carry out fiduciary
responsibilities, however, no allocation or delegation under this Paragraph
shall be effective until the person or persons to whom the responsibilities have
been allocated or delegated agree to assume the responsibilities or with respect
to Trustee Responsibilities (within the meaning of Section 405(c) of ERISA);

                (b)     To designate agents to carry out responsibilities
relating to the Plan, other than fiduciary responsibilities;

                (c)     To employ such legal, actuarial, medical, accounting,
clerical and other assistance as it may deem appropriate in carrying out the
provisions of this Plan, including one or more persons to render advice with
regard to any responsibility any Committee member or any other fiduciary may
have under the Plan;

                (d)     To establish rules and procedures from time to time for
the conduct of the Committee's business and the administration and effectuation
of this Plan;

                (e)     To administer, interpret, construe and apply this Plan
and to decide all questions which may arise or which may be raised under this
Plan. The decisions of the Committee shall be binding upon all persons, to the
maximum extent permitted under ERISA;

                (f)     To determine the manner in which the assets of this
Plan, or any part thereof, shall be disbursed;

                (g)     To direct the Trustee how to invest assets of the Plan;
and

                (h)     To perform or cause to be performed such further acts as
it may deem to be necessary, appropriate or convenient in the efficient
administration of the Plan.

        10.4 REPORTING AND DISCLOSURE. The Plan Administrator shall be
responsible for the reporting and disclosure of information required to be
reported or disclosed pursuant to ERISA or any other applicable law.

                                       34
<PAGE>

        10.5 MULTIPLE FIDUCIARY CAPACITIES. Any person or group of persons may
serve in more than one fiduciary capacity with respect to the Plan.

        10.6 FUNDING POLICY. At periodic intervals, not less frequently than
annually, the Committee shall review the long-run and short-run financial needs
of the Plan and shall determine a funding policy for the Plan consistent with
the objectives of the Plan.

        In establishing the funding policy, the Committee shall review and take
into account the short term and long term financial objectives and liquidity
requirements of the Plan, determined by reference to the age and tenure
characteristics of the Participants, the current and projected market conditions
and such other considerations as appear pertinent under the circumstances all
with a view toward the realization by the Plan of its maximum investment
potential consistent with prudent asset management and the need to pay benefits
in accordance with the terms of the Plan, taking into account (if applicable)
the ability of Participants to direct the investment of the amounts in their
Accounts.

        10.7 PROHIBITION AGAINST CERTAIN ACTIONS.

                (a)     In administering this Plan, the Committee shall not
discriminate in favor of any class of Employees and in particular, it shall not
discriminate in favor of Highly Compensated Employees.

                (b)     The Committee shall not cause the Plan to engage in any
transaction that constitutes a nonexempt prohibited transaction under Code
Section 4975(c) or Section 406(a) of ERISA.

                (c)     Any member of the Committee who is also a Participant
shall not be qualified to act or vote on any matter relating solely to himself.

        10.8 COMMITTEE PROCEDURE. A majority of the members of the Committee as
constituted at any time shall constitute a quorum, and any action by a majority
of the members present at any meeting, or authorized by a majority of the
members in writing without a meeting, shall constitute the actions of the
Committee.

        The Committee may designate one or more of its members ("Designated
Members") as authorized to execute any document or documents on behalf of the
Committee, in which event the Committee shall notify the Trustee of this action
and the name or names of the Designated Members.

        10.9 INDEMNIFICATION.

                (a)     To the extent permitted by law, the Company shall
indemnify each member of the Board of Directors and of the Committee, and any
other Employee of the Company with duties under the Plan, against expenses
(including any amount paid in settlement) reasonably incurred by him in
connection with any claims against him by reason of his conduct in the
performance of his duties under the Plan, except in relation to matters as to
which he acted fraudulently or in bad faith in the performance of his duties.

                (b)     Notwithstanding the above, the Company shall have the
right to select counsel and to control the prosecution or defense of the suit.

                                       35
<PAGE>

                (c)     Furthermore, the Company shall not indemnify any person
for any amount incurred through any settlement or compromise of any action
unless the Company consents in writing to the settlement or compromise.

                (d)     Payment of the indemnity, fees, or other expenses shall
be made solely from the assets of the Company, and shall not be paid, directly
or indirectly, from the assets of the Plan.

        10.10 COMPENSATION OF COMMITTEE MEMBERS AND PLAN EXPENSES. Members of
the Committee shall serve without compensation unless the Board of Directors
shall otherwise determine. However, in no event shall any member of the
Committee who receives full-time pay from the Company receive compensation from
the Plan for his services as a member of the Committee, except for reimbursement
of expenses properly and actually incurred.

        The expenses incurred in the establishment and administration of the
Plan, including but not limited to the expenses incurred by the members of the
Committee in exercising their duties, shall be borne by the Plan, to the extent
they are not paid by the Company.

        10.11 BONDING. Members of the Committee and all other Employees having
responsibilities under the Plan shall be bonded to the extent required by
Section 412 of ERISA or any other applicable law.

        10.12 DUTY OF CARE. The Fiduciaries (as defined in ERISA) of the Plan,
including the Trustee, the Committee, and any Investment Manager, shall act in
accordance with the following standards of care and fiduciary responsibility
imposed under ERISA (to the extent they are applicable).

                (a)     Each Fiduciary shall discharge his duties with respect
to the Plan solely in the interest of the Participants and Beneficiaries, and
for the exclusive purposes of providing benefits to Participants and their
Beneficiaries, and defraying reasonable expenses of administering the Plan. Each
Fiduciary shall discharge his duties with the care, skill, prudence, and
diligence under the circumstances then prevailing that a prudent man acting in a
like capacity and familiar with such matters would use in the conduct of an
enterprise of a like character and with like aims. Subject to the exception for
"eligible individual account plans" under Section 404(a)(2) of ERISA, each
Fiduciary shall discharge his duties by diversifying the investments of the Plan
so as to minimize the risk of large losses, unless under the circumstances it is
clearly prudent not to do so.

                (b)     A Fiduciary shall be liable for a breach of fiduciary
responsibility by another Fiduciary if:

                        (i)     He participates knowingly in, or knowingly
        undertakes to conceal an act or omission of the other Fiduciary, knowing
        the act or omission is a breach;

                        (ii)    By his failure to fulfill his fiduciary
        responsibilities, he has enabled the other fiduciary to commit a breach;
        or

                        (iii)   He has knowledge of a breach by the other
        Fiduciary, unless he makes reasonable efforts under the circumstances to
        remedy the breach.

                                       36
<PAGE>

                                   ARTICLE XI
                        MERGER OF COMPANY, MERGER OF PLAN

        11.1 EFFECT OF REORGANIZATION OR TRANSFER OF ASSETS. In the event of a
consolidation, merger, sale, liquidation, or other transfer of substantially all
of the operating assets of the Company to any other company, the ultimate
successor or successors to the business of the Company shall automatically be
deemed to have elected to continue this Plan in full force and effect, in the
same manner as if the Plan had been adopted by resolution of its board of
directors.

        The presumption set forth in this Section shall not apply if the
successor, by resolution of its board of directors, elects not to so continue
this Plan in effect. In such a case, the Plan shall terminate as of the
effective date set forth in the board resolution.

        11.2 PLAN MERGER RESTRICTION. This Plan shall not in whole or in part
merge or consolidate with, or transfer its assets or liabilities to any other
plan unless each affected Participant in this Plan would receive a benefit
immediately after the merger, consolidation, or transfer (if the Plan then
terminated) which is equal to or greater than the benefit he would have been
entitled to receive immediately before the merger, consolidation, or transfer
(if the Plan had then terminated).

        Provided the requirements set forth in this Section are satisfied, the
Committee may direct that the Plan may merge, consolidate with, or transfer its
assets or liabilities to another tax-qualified retirement plan.

                                   ARTICLE XII
                                 TERMINATION AND
                         DISCONTINUANCE OF CONTRIBUTIONS

        12.1 PLAN TERMINATION. The Company may terminate the Plan and the Trust
Agreement at any time by an instrument in writing executed in the name of the
Company by an officer or officers duly authorized to execute such an instrument,
and delivered to the Trustee. The rights of all Employees to the balances in
their Accounts as of the date of termination of the Plan, shall automatically
become fully vested as of that date.

        12.2 DISCONTINUANCE OF CONTRIBUTIONS. On and after the effective date of
a discontinuance of Company Contributions, the rights of all Employees to the
balances in their Accounts shall automatically become fully vested as of that
date.

        12.3 REPLACEMENT PLAN. The provisions of Sections 12.1 and 12.2 shall
not apply in the event that the Plan is replaced by a comparable plan.

        12.4 PARTIAL TERMINATION. In the event of a partial termination of the
Plan within the meaning of Code Section 411(d)(3), the balances in the Accounts
of all Employees affected by such event shall become fully vested as of that
date. This Section is intended solely to meet the requirements of Code Section
411 and is not intended to create, nor shall it be construed as creating, any
contractual rights whatsoever.

                                       37
<PAGE>

                                  ARTICLE XIII
                            APPLICATION FOR BENEFITS

        13.1 APPLICATION FOR BENEFITS.

                (a)     The Committee may require any person claiming benefits
under the Plan ("Claimant") to submit an application therefor, together with
such other documents and information as the Committee may require.

                (b)     Within ninety days following receipt of the application
and all necessary documents and information, the Committee's authorized delegate
reviewing the claim shall furnish the Claimant with written notice of the
decision rendered with respect to the application.

                (c)     Should special circumstances require an extension of
time for processing the claim, written notice of the extension shall be
furnished to the Claimant prior to the expiration of the initial ninety-day
period.

                        (i)     The notice shall indicate the special
        circumstances requiring an extension of time and the date by which a
        final decision is expected to be rendered.

                        (ii)    In no event shall the period of the extension
        exceed ninety days from the end of the initial ninety-day period.

                (d)     In the case of a denial of the Claimant's application,
the written notice shall set forth the specific reasons for the denial,
references to the Plan provisions upon which the denial is based, a description
of any additional information or material necessary for perfection of the
application (together with an explanation of why the material or information is
necessary) and an explanation of the Plan's claim review procedure.

        13.2 APPEALS.

                (a)     In order to appeal the decision rendered with respect to
his application for benefits or with respect to the amount of his benefits, the
Claimant must follow the appeal procedures set forth in this Section.

                (b)     The appeal must be made, in writing:

                        (i)     In the case where the claim is expressly
        rejected, within sixty-five days after the date of notice of the
        decision with respect to the application, or

                        (ii)    In the case where the claim has neither been
        approved nor denied within the applicable period provided in Section
        13.1 above, within sixty-five days after the expiration of the period.

                (c)     The Claimant may request that his application be given
full and fair review by the Committee. The Claimant may review all pertinent
documents and submit issues and comments in writing in connection with the
appeal.

                (d)     The decision of the Committee shall be made promptly,
and not later than sixty days after the Committee's receipt of a request for
review, unless special circumstances require an extension of time for
processing. In such a case, a decision shall be rendered as soon as possible,
but not later than 120 days after receipt of the request for review.

                                       38
<PAGE>

                (e)     The decision on review shall be in writing and shall
include specific reasons for the decision, written in a manner designed to be
understood by the Claimant, with specific reference to the pertinent Plan
provisions upon which the decision is based.

        13.3 EXHAUSTION OF REMEDIES. No legal action for benefits under the Plan
may be brought unless and until the Claimant has exhausted his remedies under
this Article.

                                   ARTICLE XIV
                          LIMITATIONS ON CONTRIBUTIONS

        14.1 GENERAL RULE.

                (a)     Notwithstanding anything to the contrary contained in
this Plan, the total Annual Additions under this Plan to a Participant's
Accounts for any Plan Year shall not exceed the lesser of:

                        (i)     $30,000 or such greater amount as may be
        permitted pursuant to Section 415(d)(1) of the Code ("Dollar
        Limitation"); or

                        (ii)    25% of the Participant's annual Compensation
        ("Percentage Limitation").

                (b)     Because the Limitation Year is also the Plan Year, in
the case of a Plan Year of less than twelve months duration, the Dollar
Limitation shall be prorated by multiplying it by a fraction, the numerator of
which is the number of months in the short Plan Year and the denominator of
which is twelve.

                (c)     The Dollar Limitation shall be adjusted annually for
increases in the cost of living, effective January 1 of the year for which the
adjustment is made, which adjustment applies to the Limitation Year ending with
or within that calendar year.

                (d)     Effective January 1, 1995, notwithstanding anything to
the contrary contained in this Plan, the total Annual Additions under this Plan
to a Participant's Accounts for any Plan Year shall not exceed the lesser of:

                        (i)     $30,000 or such greater amount as may be
        permitted pursuant to Section 415(d)(1) of the Code ("Dollar
        Limitation"); or

                        (ii)    25% of the Participant's annual Compensation
        (as defined in code section 415(c)(3)) ("Percentage Limitation").

        14.2 DEFINITION OF COMPENSATION. The following definition of
"Compensation" shall apply for purposes of this Article:

                (a)     A Participant's "Compensation" includes:

                        (i)     His wages, salaries, fees for professional
        services, and other amounts received for personal services actually
        rendered in the course of employment with the Company (including, but
        not limited to, commissions paid to salesmen, compensation for

                                       39
<PAGE>

        services on the basis of a percentage of profits, commissions on
        insurance premiums, tips, and bonuses);

                        (ii)    Amounts described in Code Sections 104(a)(3),
        105(a) and 105(h) (relating to medical care), but only to the extent
        that these amounts are includable in the gross income of the
        Participant;

                        (iii)   Amounts paid or reimbursed by the Company for
        moving expenses incurred by a Participant, but only to the extent that
        these amounts are not deductible by the Participant under Code Section
        217; and

                        (iv)    The amount includable in the gross income of the
        Participant upon making the election described in Code Section 83(b);
        and

                        (v)     For Limitation Years commencing January 1, 2001,
        for purposes of applying the limitations of described in Section 14.1,
        compensation paid or made available during such Limitation Years shall
        include elective amounts that are not includible in the gross income of
        the Participant by reason of Section 132(f)(4) of the Code.

                (b)     A Participant's "Compensation" does not include:

                        (i)     Contributions made by the Company to a plan of
        deferred compensation to the extent that, before the application of the
        limitations of this Article to that plan, the contributions are not
        includable in his gross income for the taxable year in which they were
        contributed;

                        (ii)    Any distributions from a plan of deferred
        compensation, regardless of whether the amounts are includable in the
        gross income of the Participant when distributed. However, any amounts
        received by the Participant pursuant to an unfunded non-qualified plan
        shall be considered as Compensation for the year the amounts are
        includable in gross income;

                        (iii)   Amounts realized from the exercise of a
        nonqualified stock option, or when restricted stock (or property) held
        by the Participant either becomes freely transferable or is no longer
        subject to a substantial risk of forfeiture; and

                        (iv)    Other amounts which receive special tax
        benefits, such as premiums for group term life insurance (but only to
        the extent that the premiums are not includable in the gross income of
        the Participant).

        14.3 OTHER DEFINED CONTRIBUTION PLANS. If the Company or an Affiliated
Company is or was contributing to any other defined contribution plan, then the
Participant's Annual Additions in the other plan shall be aggregated with the
Participant's Annual Additions under this Plan for purposes of applying the
limitations of this Article. This rule shall apply whether or not the plan has
been terminated.

        14.4 DEFINED BENEFIT PLANS. If the Company or an Affiliated Company is
or was contributing to a defined benefit plan, then in addition to the
limitations contained in Section 15.l of this Plan, the "Combined Plan Fraction"
shall not exceed 1.0. This rule shall apply whether or not the plan has been
terminated.

                                       40
<PAGE>

                (a)     "Combined Plan Fraction" means a fraction determined in
accordance with the provisions of Code Section 415(e) and the following rules.
This fraction shall be the sum of the Defined Contribution Plan Fraction and the
Defined Benefit Plan Fraction. In the event that the Combined Plan Fraction
would exceed 1.0:

                        (i)     The amount in the numerator of the Defined
        Contribution Plan Fraction shall be reduced in accordance with the
        applicable regulations; then, if necessary,

                        (ii)    The limit otherwise applicable to the
        Participant under any or all defined benefit plans shall be accordingly
        reduced.

                (b)     "Defined Contribution Plan Fraction" means a fraction
determined in accordance with the provisions of Code Section 415(e) and the
following rules with respect to the combined participation by a Participant in
all defined contribution plans of the Company and all Affiliated Companies.

                        (i)     The numerator of the fraction is the sum of all
        Annual Additions to the Participant's accounts under all such plans as
        of the close of the Plan Year.

                        (ii)    The denominator of the fraction is the sum of
        the lesser of the following amounts determined separately with respect
        to the current Plan Year and each prior year of service:

                                (A)     The product of 1.25 multiplied by the
                        Dollar Limitation under Section 14.1(a)(i) in effect for
                        that Plan Year; or

                                (B)     The product of 1.4 multiplied by the
                        Percentage Limitation under Section 14.1(a)(ii) with
                        respect to the Participant for such Plan Year.

                (c)     "Defined Benefit Plan Fraction" means a fraction
determined in accordance with the provisions of Code Section 415(e) and the
following rules with respect to the combined participation by a Participant in
all defined benefit plans of the Company and all Affiliated Companies.

                        (i)     The numerator of the fraction is the projected
        annual benefit of the Participant under all the plans (determined as of
        the close of the Plan Year).

                        (ii)    The denominator of this fraction is the lesser
        of:

                                (A)     The product of 1.25 multiplied by the

                        dollar limitation under Code Section 415(b)(1)(A) for
                        the Plan Year; or

                                (B)     The product of 1.4 multiplied by the
                        percentage of compensation limitation under Code Section
                        415(b)(1)(B) with respect to the Participant for the
                        Plan Year.

                (d)     Effective January 1, 2000, this Section is no longer
applicable.

                                       41
<PAGE>

        14.5 ADJUSTMENTS FOR EXCESS ANNUAL ADDITIONS. In the event the Annual
Additions to a Participant's Accounts under this Plan would exceed the
applicable limitations described in Sections 14.1 through 14.4, the excess
amount shall be subject to the following rules.

                (a)     If the Participant had made any after-tax voluntary
contributions to the Plan or to any other defined contribution plan that is
maintained by the Company or an Affiliated Company which would be aggregated
with this Plan under Section 14.3 during the Plan Year, these contributions and
the earnings thereon shall be returned to the Participant to the extent of any
excess Annual Additions.

                (b)     If excess Annual Additions remain, amounts that give
rise to the excess Annual Additions under this Plan shall be transferred to a
Suspense Account.

                (c)     Any amounts held in the Suspense Account shall be
allocated to the Accounts of Participants as of the next succeeding Valuation
Date in accordance with the allocation formula provided in Section 6.2 on a
first-in, first-out basis. However, this allocation shall only be made to those
Participants who are employed by the Company on that date.

                (d)     The Suspense Account shall be exhausted before any
Company Contributions or Deferrals shall be allocated to the Accounts of
Participants subsequent to the date on which the residue excess described in
Paragraph (b) is credited to the Suspense Account.

                (e)     The Trustee, at the direction of the Committee, shall
segregate any amounts held in the Suspense Account from other assets of the Plan
and may place the cash portions thereof in an interest-bearing account in any
bank or savings and loan institution, including the Trustee's own banking
department (if applicable). Any amounts held in the Suspense Account shall not
participate in any allocation of Forfeitures, or net income or loss of other
assets of the Trust Fund under Article VI.

                (f)     In the event the Plan shall terminate at a time when all
amounts in the Suspense Account have not been allocated to the Accounts of the
Participants, the amounts in the Suspense Account shall be applied as follows:

                        (i)     The amount in the Suspense Account shall first
        be allocated, as of the Plan termination date, to Participants on the
        same basis as specified in Paragraph (c) above, with the allocation to
        be made to the maximum extent permissible under the Annual Additions
        limitations of this Article; and

                        (ii)    If after those allocations have been made, any
        further amounts remain in the Suspense Account, the residue shall revert
        to the Company in accordance with the applicable provisions of the Code.

                                       42
<PAGE>

                                   ARTICLE XV
                            RESTRICTION ON ALIENATION

        15.1 GENERAL RESTRICTIONS AGAINST ALIENATION. Benefits under the Plan
may not be assigned or alienated. The preceding sentence shall not apply with
respect to a "Qualified Domestic Relations Order" described below.

        15.2 DEFINITION. A "Qualified Domestic Relations Order" is a judgment,
decree, or order (including approval of a property settlement agreement) that:

                (a)     Creates or recognizes the existence of an Alternate
Payee's right to, or assigns to an Alternate Payee the right to, receive all or
a portion of the benefits payable with respect to a Participant;

                (b)     Relates to the provision of child support, alimony
payments, or marital property rights to a Spouse, child, or other dependent of a
Participant;

                (c)     Is made pursuant to a State domestic relations law
(including a community property law); and

                (d)     Clearly specifies:

                        (i)     The name and last known mailing address (if any)
        of the Participant and the name and mailing address of each Alternate
        Payee covered by the order (if the Plan Administrator does not have
        reason to know that address independently of the order);

                        (ii)    The amount or percentage of the Participant's
        benefits to be paid to each Alternate Payee, or the manner in which the
        amount or percentage is to be determined;

                        (iii)   The number of payments or period to which the
        order applies; and

                        (iv)    Each plan to which the order applies.

        For purposes of this Section, "Alternate Payee" means any Spouse, former
Spouse, child or other dependent of a Participant who is recognized by a
domestic relations order as having a right to receive all, or a portion of, the
benefits payable with respect to the Participant.

        15.3 IMPERMISSIBLE TERMS. A domestic relations order is not a Qualified
Domestic Relations Order if it requires the Plan to provide any type or form of
benefit, or any option not otherwise provided under the Plan, the Plan to
provide increased benefits (determined on the basis of actuarial value) or the
payment of benefits to an Alternate Payee that are required to be paid to
another Alternate Payee under a previous Qualified Domestic Relations Order.

        15.4 SPECIAL RULES. A domestic relations order will not be considered to
fail to satisfy the requirements of Section 15.3(a) above with respect to any
payment made before a Participant has separated from service solely because the
order requires that payment of benefits be made to an Alternate Payee:

                                       43
<PAGE>

                (a)     In the case of any payment before a Participant has
separated from service, on or after the date on which the Participant attains
(or would have attained) Earliest Retirement Age. "Earliest Retirement Age"
means the earlier of:

                        (i)     The date on which the Participant is entitled to
        a distribution; or

                        (ii)    The later of the date the Participant attains
        age fifty or the earliest date on which the Participant could begin
        receiving benefits if he separated from service.

                (b)     As if the Participant had retired on the date on which
the payment is to begin under the order (based on the value of the Participant's
Account balances at that time); and

                (c)     In any form in which the benefits may be paid under the
Plan to the Participant.

                (d)     If the participant dies before his Earliest Retirement
Age, the Alternate Payee is entitled to benefits only if the Qualified Domestic
Relations Order requires survivor benefits to be paid to the Alternate Payee.

        15.5 PROCEDURES. In the case of any domestic relations order received by
the Plan the Plan Administrator shall promptly notify the Participant and any
Alternate Payee of the receipt of the order and the Plan's procedures for
determining the qualified status of domestic relations orders. Within a
reasonable period after the receipt of the order, the Plan Administrator shall
determine whether or not the order is a Qualified Domestic Relations Order and
shall notify the Participant and each Alternate Payee of the determination.

        The Plan Administrator shall establish reasonable procedures to
determine the qualified status of domestic relations orders and to administer
distributions under Qualified Domestic Relations Orders. All costs, including
reasonable attorneys fees, of the Plan involved in the determination of the
qualified status of domestic relations orders shall be borne by the Account of
the Participant.

        15.6 SEGREGATION OF FUNDS. During any period in which the issue of
whether a domestic relations order is a Qualified Domestic Relations Order is
being determined (by the Plan Administrator, by a court of competent
jurisdiction, or otherwise), the Plan Administrator shall separately account for
the amounts which would have been payable to the Alternate Payee during the
period if the order had been determined to be a Qualified Domestic Relations
Order.

                (a)     If within the eighteen month period beginning with the
date on which the first payment would be required to be made under the domestic
relations order, the order (or modification thereof) is determined to be a
Qualified Domestic Relations Order, the Plan Administrator shall pay the
segregated amounts (including any interest thereon) to the person or persons
entitled thereto.

                (b)     If within the eighteen month period beginning with the
date on which the first payment would be required to be made under the domestic
relations order it is determined that the order is not a Qualified Domestic
Relations Order, or the issue as to whether the order is a Qualified Domestic
Relations Order is not resolved, then the Plan Administrator shall pay the
segregated amounts (including any interest thereon) to the person or persons who
would have been entitled to

                                       44
<PAGE>

the amounts if there had been no order, or restore the amount to the
Participant's Account, whichever is applicable.

                (c)     Any determination that an order is a Qualified Domestic
Relations Order that is made after the close of the eighteen-month period shall
be applied prospectively only.

        15.7 AUTHORIZED PARTICIPANT LOANS. Notwithstanding any other provision
of this Plan, the Committee may prescribe rules authorizing loans from the Plan
to Participants. These rules shall be designed to insure that these loans
satisfy the requirements below and of Code Sections 4975(d)(1) and 72(p), and
any other provision of law that is, or may become applicable.

                (a)     The loans must be available to all Participants on a
reasonably equivalent basis and must not be made available to Highly Compensated
Employees in amounts greater than the amounts made available for other
Employees.

                (b)     The loan must bear a reasonable rate of interest, but
not to exceed the maximum permitted under any applicable state usury law.

                (c)     The loans must be adequately secured. If the loan is
secured by the Participant's Vested Interest, the amount of the security must be
at least twice the amount of the loan.

                (d)     The maximum amount of the loan may not exceed the lesser
of:

                        (i)     $50,000.00, reduced by the highest outstanding
        balance of loans from the Plan to the Participant during the one year
        period ending on the day before the date on which the loan is made; or

                        (ii)    1/2 of the value of the Participant's Vested
        Interest.

                (e)     The Trustee shall adopt rules and procedures to provide
for the consent of the Spouse of the Participant in a manner consistent with
ERISA and the Code.

                (f)     With respect to loans in existence on July 31, 2001,
upon a Participant's Severance, the Participant may continue to make payments on
the loan for its stated term, subject to any requirements imposed by the
Committee in its loan procedures. With respect to loans made on or after August
1, 2001, upon the Participant's Severance, the entire outstanding balance of the
loan shall become immediately due and payable (including interest accrued
thereon). For loans made on or after August 3, 2001, if the Participant has not
repaid the entire amount of the loan at the time his benefit becomes
distributable, his benefit shall be reduced by the outstanding balance of the
loan at the time his benefit is distributed.

                (g)     The loan must state the date upon which the loan must be
repaid, which may not exceed five years, except where the proceeds of the loan
are used to purchase the principal residence of the Participant, in which case
the term of the loan may not exceed fifteen years. In all cases, however, the
loan shall require substantially level amortization payment (no less frequently
than quarterly) over the term of the loan.

                (h)     In connection with the making of any loan to a
Participant, the Participant will be required to execute such documents as may
be required by the Committee or Trustee (e.g., a

                                       45
<PAGE>

consent to have adequate withholdings made from the Participant's paychecks to
fully amortize the loan over its term).

                (i)     The Committee may charge the Participant the
administrative costs incurred in making the loan.

                (j)     A denial of an application for a loan shall be treated
the same as a claim for benefits under Article XIV (relating to claims
procedure).

                (k)     Pursuant to such rules and procedures as may be
prescribed by the Committee, the amount of interest that a Participant pays on
the loan shall be allocated to his Account.

                                   ARTICLE XVI
                                   AMENDMENTS

        16.1 AMENDMENTS. The Company may at any time, and from time to time,
amend the Plan and any related Trust Agreement by an instrument in writing
executed in the name of the Company by an officer or officers duly authorized to
execute the instrument, and delivered to the applicable Trustee. However, except
as permitted by law, no amendment shall be made at any time, the effect of which
would be:

                (a)     To cause any assets of the Trust Fund, at any time prior
to the satisfaction of all liabilities with respect to Participants and their
Beneficiaries, to be used for or diverted to purposes other than providing
benefits to the Participants and their Beneficiaries, and defraying reasonable
expenses of administering the Plan;

                (b)     To have any retroactive effect so as to decrease the
accrued benefit of any Participant (within the meaning of Section 411(d)(6) of
the Code); or

                (c)     To increase or alter the responsibilities or liabilities
of a Trustee or an Investment Manager without its written consent.

        16.2 EFFECT OF AMENDMENTS. All amendments to the Plan are effective only
on the date on which the amendments are adopted, unless a different effective
date is expressly provided by resolution of the Board of Directors of the
Company, or unless the amendment shall by its own express terms become effective
at another date. Unless and to the extent expressly stated to the contrary in
the terms of any amendment, the amendment shall not be construed to enlarge the
rights of any Participant whose Severance occurred prior to the effective date
of the amendment.

                                  ARTICLE XVII
                              MISCELLANEOUS MATTERS

        17.1 NO ENLARGEMENT OF EMPLOYEE RIGHTS. This Plan is strictly a
voluntary undertaking on the part of the Company and shall not be deemed to
constitute a contract between the Company and any Employee, or to be
consideration for, or an inducement to, or a condition of, the employment of any
Employee. Nothing contained in the Plan shall be deemed to give any Employee the
right to be retained in the employ of the Company or to interfere with the right
of the Company to discharge any Employee at any time. No Employee shall have any
right to or interest in any assets of the Plan, other than as specifically
provided in this Plan.

                                       46
<PAGE>

        17.2 MAILING OF PAYMENTS. All payments under the Plan shall be delivered
in person or mailed to the last address of the Participant (or, in the case of
the death of the Participant, to the last address of his Beneficiary). Each
Participant shall be responsible for furnishing the Committee with his correct
current address and the correct current name and address of his Beneficiary.

        17.3 NOTICES AND COMMUNICATIONS.

                (a)     All applications, notices, designations, elections, and
other communications from Participants shall be in writing, on forms prescribed
by the Committee and shall be mailed or delivered to the office designated by
the Committee, and shall be deemed to have been given when received by the
office.

                (b)     Each notice, report, remittance, statement and other
communication directed to a Participant or Beneficiary shall be in writing and
may be delivered in person or by mail. An item shall be deemed to have been
delivered and received by the Participant five days after the date when it is
deposited in the United States Mail with postage prepaid, addressed to the
Participant or Beneficiary at his last address of record with the Committee.

        17.4 INTERPRETATION. Article and Section headings are for convenient
reference only and shall not be deemed to be part of the substance of this
instrument or in any way to enlarge or limit the contents of any Article or
Section. Unless the context clearly indicates otherwise, masculine gender shall
include the feminine, the singular shall include the plural, and the plural
shall include the singular. The provisions of this Plan shall in all cases be
interpreted in a manner that is consistent with this Plan satisfying the
applicable requirements of the Code and ERISA.

        17.5 WITHHOLDING FOR TAXES. Any payments from the Plan may be subject to
withholding for taxes as may be required by any applicable federal or state law.

        17.6 COUNTERPARTS. This Plan document may be executed in any number of
identical counterparts, each of which shall be deemed a complete original in
itself and may be introduced in evidence or used for any other purpose without
the production of any other counterparts.

        17.7 SUCCESSORS AND ASSIGNS. This Plan and the Trust established
hereunder shall inure to the benefit of, and be binding upon, the parties hereto
and their successors and assigns.

                                       47
<PAGE>

        IN WITNESS WHEREOF, the Company has caused this instrument to be
executed by its duly authorized officer, effective as of November 1, 2001.

                                      FIDELITY NATIONAL FINANCIAL, INC.

                                      By:
                                         --------------------------------------
                                      Its:
                                          -------------------------------------

                                      FIDELITY NATIONAL INFORMATION
                                      SOLUTIONS, INC.

                                      By:
                                         --------------------------------------
                                      Its:
                                          -------------------------------------

                                      AMERICAN NATIONAL FINANCIAL, INC.

                                      By:
                                         --------------------------------------
                                      Its:
                                          -------------------------------------

                                      GREATER ILLINOIS TITLE COMPANY, INC.

                                      By:
                                         --------------------------------------
                                      Its:
                                          -------------------------------------

                                       48
<PAGE>

                                   EXHIBIT "A"

                  PARTICIPATING EMPLOYERS AS OF EFFECTIVE DATE

AMERICAN NATIONAL FINANCIAL, INC.                  IDM CORPORATION

CHICAGO TITLE & TRUST COMPANY

CHICAGO TITLE CREDIT-CREDIT DATA OF HUDSON VALLEY, INC.

CHICAGO TITLE FIELD SERVICES, INC.

CHICAGO TITLE FLOOD SERVICES, INC.

CHICAGO TITLE MARKET INTELLIGENCE, INC.

CHICAGO TITLE OF COLORADO, INC.

CHICAGO HOME WARRANTY, INC.

EXECUTIVE TITLE AGENCY CORPORATION

FIDELITY NATIONAL FINANCIAL, INC.

FIDELITY NATIONAL INFORMATION SERVICES, INC.

ISLAND TITLE COMPANY

REAL ESTATE INDEX, INC.

SECURITY TITLE AGENCY

UNITED TITLE OF NEVADA, INC.

NORTHWEST TITLE AGENCY OF OHIO & MICHIGAN, INC.

FUENTES & KREISCHER, P.A.

TITLE ASSOCIATES, LLC

THE TITLE OFFICE, INC.

GREATER ILLINOIS TITLE

LASALLE COUNTY TITLE

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