Document:

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                                                                    EXHIBIT 10.4

                         EXECUTIVE EMPLOYMENT AGREEMENT

         THIS AGREEMENT, made and entered into as of the 26th day of October,
2001 by and between CENTENE CORPORATION, a Wisconsin corporation (hereinafter
called the "Company"), and Mary O'Hara (hereinafter called the "Executive").

         1. EMPLOYMENT. Company hereby employs Executive as Executive Senior
Vice President of the Operations Group with such other or additional titles or
positions as Company's President, Vice Presidents, or Board of Directors may,
from time to time, determine.

         2. DUTIES. During the employment period, Executive shall faithfully
perform her duties to the best of her ability and in accordance with the
directions and orders (and to the satisfaction) of the Company's President, Vice
Presidents, and Board of Directors of Company, and she shall devote her full
working time, attention and energy to the performance of her duties.

         In addition to the duties assigned to her by the Company's President
and/or Vice Presidents and/or Board of Directors of Company, Executive shall
perform such other duties as are commensurate with her position and
responsibilities, including without limitation, exercising her best judgment;
safeguarding and saving from waste the assets of Company; and following,
maintaining, and implementing the business plans, budgets, business procedures
and directives established and promulgated by Company, as modified or amended
from time to time.

         Except as otherwise provided herein, Executive shall not render
services, directly or indirectly, to any other person or organization without
her Supervisor's prior written consent and shall not engage in any activity that
would interfere significantly with the faithful performance of her duties
thereunder. Executive may perform minor services for which she does not receive
compensation, provided that the activity does not conflict with the provisions
of her duties, without written consent.

         3. COMPENSATION. As compensation for all services rendered by Executive
under this agreement, company shall pay to Executive, in accordance with its
then prevailing payroll practices, a salary at the annualized rate of Two
Hundred Forty Thousand Dollars ($240,000.00), less applicable payroll
deductions. This salary may be adjusted from time to time as directed by the
Executive's immediate supervisor or the Company's or Plan's President.

         4. OTHER EMPLOYMENT BENEFITS. During the Employment Period:

                  (a)      Company shall reimburse Executive monthly for actual,
                           reasonable, and necessary out-of-pocket expenses she
                           incurs on Company's business in compliance with
                           company policies and procedures.

                  (b)      Executive shall participate in such of Company's
                           Executive plans or fringe benefit arrangements as
                           provided for all Executives, subject to their terms
                           and conditions.

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                  (c)      Vacation Leave. During the Employment Term, Executive
                           shall be entitled to a number of vacation days as
                           established in the standard company policy for senior
                           executives. Executive shall accrue and receive full
                           compensation and benefits during her vacation leave
                           periods. Vacation leave shall be taken at such times
                           as do not have an adverse effect on the operations or
                           transactions of the Company or otherwise as Executive
                           and her immediate supervisor shall agree.

                  (d)      Bonus Plan. The annual target bonus is 30% of base
                           salary with potential to exceed that if and when the
                           company exceeds its Annual Operating Plan criteria.
                           This award is at the discretion of the Company's
                           President. The Bonus Plan may be adjusted from time
                           to time as directed by the Company's President.

         5. TERMINATION OF EMPLOYMENT.

                  (a)      Termination for Cause. If the Company terminates
                           Executive's employment For Cause, or if Executive
                           resigns from her employment pursuant to Subsection
                           5(b), Executive shall be entitled only to payment of
                           that portion of her Salary earned through and
                           including the Termination Date or the Resignation
                           Date at the rate of Salary in effect at that time.

                  (b)      Resignation. Executive may resign from her employment
                           with the Company at any time by providing written
                           notice of her resignation to her immediate supervisor
                           at least thirty (30) days before the Resignation
                           Date, in which case she shall be entitled to
                           compensation as provided in Subsection 5(a).

                  (c)      Death. If Executive dies during her employment, or
                           Executive is entitled to receive payments from the
                           Company pursuant to Section 5(a) at the time of her
                           death, Executive's estate or personal representative
                           shall be entitled to receive that portion of the
                           Salary, at the rate in effect at Executive's death,
                           that Executive earned through and including the date
                           of Executive's death.

                  (d)      Disability. If Executive becomes Permanently
                           Disabled, the Board may terminate Executive's
                           employment by providing written notice to Executive
                           at least 72 hours before the Termination Date. If
                           Executive resigns from employment with the Company as
                           a result of a Permanent Disability, or the Company
                           terminates Executive's employment as a result of a
                           Permanent Disability, Executive shall be entitled to
                           receive that portion of her Salary, at the rate in
                           effect at the time she became Permanently Disabled,
                           that she earned through and including the Termination
                           Date or Resignation Date, as applicable; provided,
                           however, the amount due and payable for the period on
                           and after the date on which Executive became
                           Permanently Disabled shall not be less than the
                           portion of the Salary that would have been paid to
                           her if she had continued in the

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                           Company's employment for the 180 day period following
                           the date on which she became Permanently Disabled.

                  (e)      Compensation Following Termination. If the Company
                           terminates Executive's employment other than For
                           Cause the Company shall pay Executive that portion of
                           her Salary earned through and including the
                           Termination Date or the Resignation Date at the rate
                           of Salary in effect at that time, plus an amount
                           equal to fifty two (52) weeks of her annualized
                           Salary paid as salary continuance in accordance with
                           the then current payroll practices, and conditioned
                           upon Executive's signing, and not revoking, a
                           complete Release of any and all claims. In such case,
                           Company shall pay for twelve (12) of the eighteen
                           (18) months health and dental insurance continuation
                           coverage to which Executive is entitled under the
                           Consolidated Omnibus Budget Reconciliation Act of
                           1985, Public Law 99-272, Title X (COBRA).

                  (f)      Change of Control In the event of a "Change in
                           Control" which, within 24 months from and after such
                           Change in Control results in (a) the involuntary
                           termination of Executive's employment by the Company,
                           or (b) the voluntary resignation of employment by
                           Executive because of (i) the reduction of Executive's
                           compensation, (ii) a material adverse change in
                           Executive's position with the Company or the nature
                           or scope of Executive's duties or (iii) a request by
                           the Company or the surviving entity of the
                           transaction that resulted in the Change of Control
                           that Executive relocate outside of the Metropolitan
                           St. Louis area which Executive refuses, then
                           Executive shall receive severance equal to (52) weeks
                           pay paid at her choice (which choice shall be
                           irrevocably made and set forth as part of the Release
                           described below) either as a lump sum payment or
                           salary continuance, rather than the severance paid
                           pursuant to paragraph 5(c) above, but conditioned
                           upon Executive's signing, and not revoking, a
                           complete Release of any and all claims. In such case,
                           Company shall pay for (12) of the eighteen (18)
                           months health and dental insurance continuation
                           coverage to which Executive is entitled under the
                           Consolidated Omnibus Budget Reconciliation Act of
                           1985, Public Law 99-272, Title X (COBRA). In
                           addition, the Company agrees to pay for reasonable
                           outplacement services arranged by the Company.
                           Notwithstanding the foregoing, no payment or payments
                           shall be made under this Agreement which would be an
                           "excess parachute payment" as defined in Section
                           280G(b) of the Internal Revenue Code of 1986, as
                           amended. Payments which would be "excess parachute
                           payments" shall be proportionately reduced so that no
                           portion of any payment shall constitute
                           an "excess parachute payment." For purposes hereof a
                           "Change in Control" of the Company shall be deemed to
                           occur if (i) any "person" (as such term is used in
                           Section Section 13(d) and 14(d) of the Securities
                           Exchange Act of 1934, as amended (the "Exchange
                           Act")), other than (A) persons who, at the date of
                           this Agreement, are the beneficial owners of 25% or
                           more of the Company's voting securities or (B) a
                           group including Executive, is or

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                           becomes the "beneficial owner" (as defined in Rule
                           13d-3 under the Exchange Act), directly or
                           indirectly, of securities of the Company representing
                           fifty percent (50%) or more of the combined voting
                           power of the Company's then outstanding securities,
                           or (ii) the shareholders of the Company approve a
                           merger or consolidation of the Company with any other
                           corporation, other than a merger or consolidation
                           which would result in the voting securities of the
                           Company outstanding immediately prior thereto
                           continuing to represent (either by remaining
                           outstanding or by being converted into voting
                           securities of the surviving entity) at least fifty
                           percent (50%) of the combined voting power of the
                           voting securities of the Company or such surviving
                           entity outstanding immediately after such merger or
                           consolidation. Further, for purposes hereof, a
                           "Change in Control" also shall be deemed to occur if
                           individuals who, as the date hereof, constitute the
                           Board of Directors of the Company (the "Incumbent
                           Board) cease for any reason to constitute at least a
                           majority of the Board of Directors of the Company;
                           provided, however, that an individual becoming a
                           director subsequent to the date hereof whose
                           election, or nomination for election by the Company's
                           shareholders, was approved by at least a majority of
                           the directors then comprising the Incumbent Board
                           shall be included within the definition of Incumbent
                           Board, but excluding, for this purpose, any such
                           individual whose initial assumption of office occurs
                           as a result of either an actual election contest (or
                           such terms are used in Rule 14a-11 of Regulation 14A
                           promulgated under the Exchange Act) or other actual
                           or threatened solicitation of proxies or consents by
                           or on behalf of a person other than the Board.

         6. COVENANTS.

                  (a)      Non-competition by Executive. The Executive
                           acknowledges that the list of the Company's customers
                           and customer contacts as it may exist from time to
                           time are valuable, special, and unique assets of the
                           Company's business. During the period of twelve (12)
                           months immediately after the termination of
                           Executive's employment with the Company for any cause
                           whatsoever, Executive will not, either directly or
                           indirectly, either for Executive or for any other
                           person, firm, Company or corporation, call upon,
                           solicit, divert, or take away, or attempt to solicit,
                           divert or take away any of the Executives, customers,
                           prospective customers, or business, of the Company
                           upon whom Executive called, solicited, catered, or
                           became acquainted during Executive's employment with
                           the Company.

                  (b)      Return of Company Records and Property. Executive
                           agrees that upon termination of Executive's
                           employment, for any cause whatsoever, Executive will
                           surrender to the Company in good condition all
                           property and equipment belonging to Company and all
                           records kept by Executive containing the names,
                           addresses or any other information with regard to

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                           customers or customer contacts of the Company, or
                           concerning any operational, financial or other
                           documents given to Executive during Executive's
                           employment with Company.

                  (c)      Non-disclosure by Executive. The Executive
                           acknowledges and agrees that any information obtained
                           by Executive while employed by the Company, including
                           but not limited to customer lists and customer
                           contacts, financial, promotional, marketing, training
                           or operational information, and employment data is
                           highly confidential, and is important to the Company
                           and to the effective operation of the Company's
                           business. Executive, therefore, agrees that while
                           employed by the Company, and at any time thereafter,
                           Executive will make no disclosure of any kind,
                           directly or indirectly, concerning any such
                           confidential matters relating to the Company or any
                           of its activities.

                  (d)      Enforcement. In the event of a breach or threatened
                           breach by the Executive of the provisions of this
                           Agreement, the Company shall be entitled to a
                           restraining order and/or an injunction restraining
                           the Executive from contacting, servicing or
                           soliciting Company's customers, or customer contacts,
                           or utilizing or disclosing, in whole or in part, the
                           list of the Company's customers, customer contacts,
                           employees, or financial, operational, promotional,
                           marketing, or training information, or from rendering
                           any services to any persons, firm, corporation,
                           association, or other entity to whom such list or
                           information, in whole or in part, has been disclosed
                           or is threatened to be disclosed. In the event the
                           Company is successful in any suit or proceeding
                           brought or instituted by the Company to enforce any
                           of the provisions of this agreement on account of any
                           damages sustained by the Company by reason of the
                           violation by the Executive of any of the terms and/or
                           provisions of this agreement to be performed by the
                           Executive, the Executive agrees to pay the Company
                           reasonable attorney's fees to be fixed by the Court.

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         7. INVENTIONS.

                  (a)      Executive shall promptly communicate and disclose in
                           writing to Company all those inventions and
                           developments including software, whether patentable
                           or not, as well as patents and patent applications
                           (hereinafter collectively called "Inventions"), made,
                           conceived, developed, or purchased by her, or under
                           which she acquires the right to grant licenses or to
                           become licensed, alone or jointly with others, which
                           have arisen or jointly with others, which have arisen
                           or may arise out of her employment, or relate to any
                           matters pertaining to, or useful in connection
                           therewith, the business or affairs of Company or any
                           of its subsidiaries. Included herein as if developed
                           during the employment period is any specialized
                           equipment and software developed for use in the
                           business of Company. All of Executive's right, title
                           and interest in, to, and under all such inventions,
                           licenses, and right to grant licenses shall be the
                           sole property of Company. Any such inventions
                           disclosed to anyone by Executive within one (1) year
                           after the termination of employment for any cause
                           whatsoever shall be deemed to have been made or
                           conceived by Executive during the Employment Period.

                  (b)      As to all such invention, Executive shall, upon
                           request of Company:

                           i.       Execute all documents which Company shall
                                    deem necessary or proper to enable it to
                                    establish title to such inventions or other
                                    rights, and to enable it to file and
                                    prosecute applications for letters patent of
                                    the United States and any foreign country;
                                    and

                           ii.      Do all things (including the giving of
                                    evidence in suits and other proceedings)
                                    which Company shall deem necessary or proper
                                    to obtain, maintain, or assert patents for
                                    any and all such inventions or to assert its
                                    rights in any inventions not patented.

         8. LITIGATION. Executive agrees that during her employment or
thereafter, she shall do all things, including the giving of evidence in suits
and other proceedings, which Company shall deem necessary or proper to obtain,
maintain or assert rights accruing to Company during the employment period and
in connection with which Executive has knowledge, information or expertise. All
reasonable expenses incurred by Executive in fulfilling the duties set forth in
this paragraph 8 shall be reimbursed by Company to the full extent legally
appropriate, including, without limitation, a reasonable payment for Executive's
time.

         9. MODIFICATION. No modification, amendment, or waiver of any of the
provisions of this Agreement shall be effective unless made in writing
specifically referring to this Agreement and signed by all parties therefore.

         10. ENTIRE AGREEMENT. This instrument constitutes the entire agreement
of the parties hereto with respect to Executive's employment and her
compensation therefore.

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         11. WAIVER. The failure to enforce at any time any of the provisions of
this agreement or to require at any time performance by any party of any of the
provisions hereof shall in no way be construed to be a waiver of such provisions
or to affect either the validity of this Agreement, or any part hereof, or the
right of each party thereafter to enforce each and every provision in accordance
with the terms of this Agreement.

         12. SEVERABILITY. The invalidity or unenforceability of any particular
provision of this Agreement shall not affect the other provisions hereof, and
this Agreement shall be construed in all respects as if such invalid or
unenforceable provision were omitted.

         13. PRONOUNS. As used herein, the term "Executive" and the pronouns
therefore have been used for convenience only, and corresponding terms
reflecting the proper gender of Executive shall be deemed substituted by the
parties hereto where appropriate.

         14. SUCCESSORS. This Agreement shall be binding upon and shall inure to
the benefit of Company and any successor or assign of Company. For the purposes
of this Agreement, the terms "successor or assign" shall mean any person, firm,
corporation, or other business entity which, at any time, whether by merger,
purchase, assignment or otherwise, shall acquire the assets or business of
Company in part or as a whole.

         This Agreement shall also be binding upon and shall inure to the
benefit of Executive and her legal representatives and assigns, except that
Executive's obligations to perform such future services and rights to receive
payment therefore are hereby expressly declared to be non-assignable and
non-transferable.

         15. GOVERNING LAW. This Agreement shall be interpreted and executed in
accordance with the laws of the State of Missouri.

         IN WITNESS WHEREOF, the parties hereto have caused this instrument to
be duly executed as of the day and year first above written.

                                CENTENE CORPORATION

                                By  /s/ Michael F. Neidorff
                                  ----------------------------------------------
                                         "Company"

                                By /s/ Mary O'Hara
                                  ----------------------------------------------
                                         "Executive"

Date October 26, 2001
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                                                                    EXHIBIT 10.5

                       2002 EMPLOYEE STOCK PURCHASE PLAN

     The purpose of this Plan is to provide eligible employees of Centene
Corporation (the "Company") and certain of its subsidiaries with opportunities
to purchase shares of the Company's common stock, $.001 par value (the "Common
Stock"), commencing on July 1, 2002. An aggregate of 300,000 shares of Common
Stock has been approved for this purpose. This Plan is intended to qualify as an
"employee stock purchase plan" as defined in Section 423 of the Internal Revenue
Code of 1986, as amended (the "Code"), and the regulations promulgated
thereunder, and shall be interpreted consistently therewith.

     1.  Administration.  The Plan will be administered by the Company's Board
of Directors (the "Board") or by a Committee appointed by the Board (the
"Committee"). The Board or the Committee has authority to make rules and
regulations for the administration of the Plan and its interpretation and
decisions with regard thereto shall be final and conclusive.

     2.  Eligibility.  All employees of the Company, including directors who are
employees, and all employees of any subsidiary of the Company (as defined in
Section 424(f) of the Code) designated by the Board or the Committee from time
to time (a "Designated Subsidiary"), are eligible to participate in any one or
more of the offerings of Options (as defined in Section 9) to purchase Common
Stock under the Plan provided that:

          (a) they are customarily employed by the Company or a Designated
     Subsidiary for more than 20 hours a week and for more than five months in a
     calendar year; and

          (b) they have been employed by the Company or a Designated Subsidiary
     for at least ninety days prior to enrolling in the Plan; and

          (c) they are employees of the Company or a Designated Subsidiary on
     the first day of the applicable Plan Period (as defined below).

No employee may be granted an option hereunder if such employee, immediately
after the option is granted, owns five percent or more of the total combined
voting power or value of the stock of the Company or any subsidiary. For
purposes of the preceding sentence, the attribution rules of Section 424(d) of
the Code shall apply in determining the stock ownership of an employee, and all
stock that the employee has a contractual right to purchase shall be treated as
stock owned by the employee.

     3.  Offerings.  The Company will make one or more offerings ("Offerings")
to employees to purchase stock under this Plan. Offerings will begin each
January 1, April 1, July 1 and October 1, or the first business day thereafter
(the "Offering Commencement Dates"). Each Offering Commencement Date will begin
a three-month period (a "Plan Period") during which payroll deductions will be
made and held for the purchase of Common Stock at the end of the Plan Period.
The Board or the Committee may, at its discretion, choose a different Plan
Period of twelve months or less for subsequent Offerings.

     4.  Participation.  An employee eligible on the Offering Commencement Date
of any Offering may participate in such Offering by completing and forwarding a
payroll deduction authorization form to the employee's appropriate payroll
office at least ten days prior to the applicable Offering Commencement Date. The
form will authorize a regular payroll deduction from the Compensation received
by the employee during the Plan Period. Unless an employee files a new form or
withdraws from the Plan, the employee's deductions and purchases will continue
at the same rate for future Offerings under the Plan as long as the Plan remains
in effect. The term "Compensation" means the amount of money reportable on the
employee's Federal Income Tax Withholding Statement, excluding overtime,
incentive or bonus awards, allowances and reimbursements for expenses such as
relocation allowances for travel expenses, income or gains on the exercise of
Company stock options or stock appreciation rights, and similar items, whether
or not shown on the employee's Federal Income Tax Withholding Statement.

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     5.  Deductions.  The Company will maintain payroll deduction accounts for
all participating employees. With respect to any Offering made under this Plan,
an employee may authorize a payroll deduction in any dollar amount equal to:

          (a) from a minimum 1.0% to a maximum of 5.0% (or, if the Common Stock,
     as traded on the Nasdaq National Market and published in The Wall Street
     Journal, maintains a closing price of greater than or equal to $50.00 per
     share on each day for a period of nine consecutive full calendar months,
     10.0%), as specified by the employee, multiplied by;

          (b) the amount of Compensation the employee receives during the Plan
     Period (or such shorter period during which deductions from payroll are
     made), up to a maximum of $4,165 of Compensation per month.

     6.  Deduction Changes.  An employee may decrease or discontinue the
employee's payroll deduction once during any Plan Period, by filing a new
payroll deduction authorization form. An employee may not, however, increase the
employee's payroll deduction during a Plan Period. If an employee elects to
discontinue the employee's payroll deductions during a Plan Period, but does not
elect to withdraw the employee's funds pursuant to Section 8 hereof, funds
deducted prior to the employee's election to discontinue will be applied to the
purchase of Common Stock on the Exercise Date (as defined below).

     7.  Interest.  Interest will not be paid on any employee accounts, except
to the extent that the Board or the Committee, in its sole discretion, elects to
credit employee accounts with interest at such per annum rate as it may from
time to time determine.

     8.  Withdrawal of Funds.  An employee may at any time prior to the close of
business on the last business day in a Plan Period and for any reason
permanently draw out the balance accumulated in the employee's account and
thereby withdraw from participation in an Offering. Partial withdrawals are not
permitted. The employee may not begin participation again during the remainder
of the Plan Period. If an employee withdraws from participation in an Offering,
he or she may not participate in the immediately following Offering but may
participate in the second following Offering and any Offering thereafter in
accordance with terms and conditions established by the Board or the Committee.

     9.  Purchase of Shares.  On the Offering Commencement Date of each Plan
Period, the Company will grant to each eligible employee who is then a
participant in the Plan an option ("Option") to purchase on the last business
day of such Plan Period (the "Exercise Date"), at the Option Price hereinafter
provided for, the largest number of whole shares of Common Stock of the Company
as does not exceed the number of shares determined by multiplying $2,083 by the
number of full months in the Offering Period and dividing the result by the
closing price (as defined below) on the Offering Commencement Date of such Plan
Period.

     Notwithstanding the above, no employee may be granted an Option (as defined
in Section 9) that permits the employee's rights to purchase Common Stock under
this Plan and any other employee stock purchase plan (as defined in Section
423(b) of the Code) of the Company and its subsidiaries, to accrue at a rate
that exceeds $25,000 of the fair market value of such Common Stock (determined
at the Offering Commencement Date of the Plan Period) for each calendar year in
which the Option is outstanding at any time.

     The purchase price for each share purchased will be 85% of the closing
price of the Common Stock on (i) the first business day of such Plan Period or
(ii) the Exercise Date, whichever closing price shall be less. Such closing
price shall be (a) the closing price on any national securities exchange on
which the Common Stock is listed, (b) the closing price of the Common Stock on
the Nasdaq National Market or (c) the average of the closing bid and asked
prices in the over-the-counter-market, whichever is applicable, as published in
The Wall Street Journal. If no sales of Common Stock were made on such a day,
the price of the Common Stock for purposes of clauses (a) and (b) above shall be
the reported price for the next preceding day on which sales were made.

     Each employee who continues to be a participant in the Plan on the Exercise
Date shall be deemed to have exercised the employee's Option at the Option Price
on such date and shall be deemed to have purchased

<PAGE>

from the Company the number of full shares of Common Stock reserved for the
purpose of the Plan that the employee's accumulated payroll deductions on such
date will pay for, but not in excess of the maximum number determined in the
manner set forth above.

     Any balance remaining in an employee's payroll deduction account at the end
of a Plan Period will be automatically refunded to the employee, except that any
balance that is less than the purchase price of one share of Common Stock will
be carried forward into the employee's payroll deduction account for the
following Offering, unless the employee elects not to participate in the
following Offering under the Plan, in which case the balance in the employee's
account shall be refunded.

     10.  Issuance of Certificates.  Certificates representing shares of Common
Stock purchased under the Plan may be issued only in the name of the employee,
in the name of the employee and another person of legal age as joint tenants
with rights of survivorship, or (in the Company's sole discretion) in the name
of a brokerage firm, bank or other nominee holder designated by the employee.
The Company may, in its sole discretion and in compliance with applicable laws,
authorize the use of book entry registration of shares in lieu of issuing stock
certificates.

     11.  Rights on Retirement, Death or Termination of Employment.  In the
event of a participating employee's termination of employment prior to the last
business day of a Plan Period, no payroll deduction shall be taken from any pay
due and owing to an employee and the balance in the employee's account shall be
paid to the employee or, in the event of the employee's death, (a) to a
beneficiary previously designated in a revocable notice signed by the employee
(with any spousal consent required under state law), (b) in the absence of such
a designated beneficiary, to the executor or administrator of the employee's
estate, or (c) if no such executor or administrator has been appointed to the
knowledge of the Company, to such other person or persons as the Company may, in
its discretion, designate. If, prior to the last business day of the Plan
Period, the Designated Subsidiary by which an employee is employed shall cease
to be a subsidiary of the Company, or if the employee is transferred to a
subsidiary of the Company that is not a Designated Subsidiary, the employee
shall be deemed to have terminated employment for the purposes of this Plan.

     12.  Optionees Not Stockholders.  Neither the granting of an Option to an
employee nor the deductions from the employee's pay shall constitute such
employee a stockholder of the shares of Common Stock covered by an Option under
this Plan until such shares have been purchased by and issued to him.

     13.  Rights Not Transferable.  Rights under this Plan are not transferable
by a participating employee other than by will or the laws of descent and
distribution, and are exercisable during the employee's lifetime only by the
employee.

     14.  Application of Funds.  All funds received or held by the Company under
this Plan may be combined with other corporate funds and may be used for any
corporate purpose.

     15.  Adjustment in Case of Changes Affecting Common Stock.  In the event of
a subdivision of outstanding shares of Common Stock, or the payment of a
dividend in Common Stock, the number of shares approved for this Plan, and the
share limitation set forth in Section 9, shall be increased proportionately, and
such other adjustment shall be made as may be deemed equitable by the Board or
the Committee. In the event of any other change affecting the Common Stock, such
adjustment shall be made as may be deemed equitable by the Board or the
Committee to give proper effect to such event.

     16.  Holding Period.  By purchasing shares hereunder, absent written
consent from the Company to the contrary, the employee agrees not to sell,
contract to sell, make any short sale of, grant any option for the purchase of
or otherwise dispose of any of said shares during the 90 day period following
the Exercise Date of the Plan Period pursuant to which the shares were
purchased.

     17.  Merger.  If the Company shall at any time merge or consolidate with
another corporation and the holders of the capital stock of the Company
immediately prior to such merger or consolidation continue to hold at least 80%
by voting power of the capital stock of the surviving corporation ("Continuity
of Control"), the holder of each Option then outstanding will thereafter be
entitled to receive at the next Exercise Date upon the exercise of such Option
for each share as to which such Option shall be exercised the securities or

<PAGE>

property that a holder of one share of the Common Stock was entitled to upon and
at the time of such merger or consolidation, and the Board or the Committee
shall take such steps in connection with such merger or consolidation as the
Board or the Committee shall deem necessary to assure that the provisions of
Section 15 shall thereafter be applicable, as nearly as reasonably may be, in
relation to the said securities or property as to which such holder of such
Option might thereafter be entitled to receive thereunder.

     In the event of a merger or consolidation of the Company with or into
another corporation that does not involve Continuity of Control, or of a sale of
all or substantially all of the assets of the Company while unexercised Options
remain outstanding under the Plan: (a) subject to the provisions of clauses (b)
and (c), after the effective date of such transaction, each holder of an
outstanding Option shall be entitled, upon exercise of such Option, to receive
in lieu of shares of Common Stock, shares of such stock or other securities as
the holders of shares of Common Stock received pursuant to the terms of such
transaction; (b) all outstanding Options may be cancelled by the Board or the
Committee as of a date prior to the effective date of any such transaction and
all payroll deductions shall be paid out to the participating employees; or (c)
all outstanding Options may be cancelled by the Board or the Committee as of the
effective date of any such transaction, provided that notice of such
cancellation shall be given to each holder of an Option, and each holder of an
Option shall have the right to exercise such Option in full based on payroll
deductions then credited to the employee's account as of a date determined by
the Board or the Committee, which date shall not be less than ten days preceding
the effective date of such transaction.

     18.  Amendment of the Plan.  The Board may at any time, and from time to
time, amend this Plan in any respect, except that (a) if the approval of any
such amendment by the stockholders of the Company is required by Section 423 of
the Code, such amendment shall not be effected without such approval, and (b) in
no event may any amendment be made that would cause the Plan to fail to comply
with Section 423 of the Code.

     19.  Insufficient Shares.  In the event that the total number of shares of
Common Stock specified in elections to be purchased under any Offering plus the
number of shares purchased under previous Offerings under this Plan exceeds the
maximum number of shares issuable under this Plan, the Board or the Committee
will allot the shares then available on a pro rata basis.

     20.  Termination of the Plan.  This Plan may be terminated at any time by
the Board. Upon termination of this Plan all amounts in the accounts of
participating employees shall be promptly refunded.

     21.  Governmental Regulations.  The Company's obligation to sell and
deliver Common Stock under this Plan is subject to listing on a national stock
exchange or quotation on The Nasdaq National Market (to the extent the Common
Stock is then so listed or quoted) and the approval of all governmental
authorities required in connection with the authorization, issuance or sale of
such stock.

     22.  Governing Law.  The Plan shall be governed by Missouri law except to
the extent that such law is preempted by federal law.

     23.  Issuance of Shares.  Shares may be issued upon exercise of an Option
from authorized but unissued Common Stock, from shares held in the treasury of
the Company, or from any other proper source.

     24.  Notification upon Sale of Shares.  Each employee agrees, by entering
the Plan, to promptly give the Company notice of any disposition of shares
purchased under the Plan where such disposition occurs within two years after
the date of grant of the Option pursuant to which such shares were purchased.

     25.  Withholding.  Each employee shall, no later than the date of the event
creating the tax liability, make provision satisfactory to the Board for payment
of any taxes required by law to be withheld in connection with any transaction
related to Options granted to or shares acquired by such employee pursuant to
the Plan. The Company may, to the extent permitted by law, deduct any such taxes
from any payment of any kind otherwise due to an employee.

     26.  Effective Date and Approval of Stockholders.  The Plan shall take
effect on April 24, 2002, subject to approval by the stockholders of the Company
as required by Section 423 of the Code, which approval must occur within twelve
months of the adoption of the Plan by the Board.

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