Document:

Exhibit 10.6 to Form 10-Q

	
Exhibit 10.6

	
 
	
AMENDMENT NO. 9

	 
	
          AMENDMENT NO. 9 (this "Amendment"), dated as of March 31, 2005, between ThermoView Industries, Inc. ("Company") and GE Capital Equity Investments, Inc. ("GE Capital").

	 
	
W I T N E S S E T H:

	 
	
          WHEREAS, Company and GE Capital are parties to that certain Securities Purchase Agreement, dated as of July 8, 1999 (as from time to time amended, restated, supplemented or otherwise modified, the "Purchase Agreement", and unless the context otherwise requires or unless otherwise defined herein, capitalized terms used herein shall have the meanings assigned to them in the Purchase Agreement); and

	 
	
          WHEREAS, Company has requested certain amendments to the Purchase Agreement as more particularly described in this Amendment; and

	 
	
          WHEREAS, GE Capital is willing to amend the Purchase Agreement and the Note as more particularly described in this Amendment upon the condition, among others, that Company execute and deliver this Amendment in favor of GE Capital;

	 
	
          NOW, THEREFORE, in consideration of the premises and mutual covenants contained herein, and on the terms and subject to the conditions as hereinafter set forth, the parties hereto agree as follows:

	 
	
          SECTION 1.  AMENDMENTS TO THE PURCHASE AGREEMENT.  Effective as of the Effective Date (as defined herein), the Purchase Agreement is amended as follows:

	 
	
          1.1     By amending and restating Section 2.6(a) of the Purchase Agreement as follows:

	 
	 	
"(a)  Company shall pay interest to Purchaser, quarterly in arrears on the last day of each March, June, September and December, commencing on June 30, 1999 (each, an "Interest Payment Date"), at a rate equal to 8% per annum, based on a year of 360 days for the actual number of days elapsed, and based on the principal amount outstanding from time to time under the Note (each such payment, an "Interest Payment"); provided, however, that during the period commenced October 1, 2003 through and including September 30, 2004 all Interest Payments were paid-in-kind on the date the same became due, and were added to the principal amount then outstanding (the amount of interest that would otherwise have accrued except by reason of this proviso is referred to as "Deferred Interest") on each Interest Payment Date and commencing on October 1, 2004 and for each day thereafter, interest on the Note has been and shall be paid (on the principal amount thereof, including all Deferred Interest) solely in cash on each Interest Payment Date; provided further, however, that the Interest Payment due on March 31, 2005 shall be deferred (the "Deferred Payment") and on each of June 30, 2005 and September 30, 2005 the Company shall make a cash payment equal to the sum of (x) the Interest Payment then presently due and (y) one-half (1/2) of the Deferred Payment."

	 
	
          1.2     By amending and restating Section 5.1(h) of the Purchase Agreement as follows:

	 
	
                     "(h)(i)  Fixed Charge Coverage Ratio.  Company will maintain, as of the last day of each calendar quarter for the applicable period of measurement set forth below, a Fixed Charge Coverage Ratio of not less than the following for such period: 

	 

	
Period/Calendar Quarter
	
Fixed charge coverage ratio

	
Nine months ending on September 30, 2005
	
1.00 to 1.00

	
Twelve months ending on December 31, 2005
	
1.00 to 1.00

	
Twelve months ending as of the end of each calendar quarter thereafter
	
1.00 to 1.00

	 
	
                    (ii)  Minimum EBITDA.  Company shall have, as of the last day of each calendar quarter for the applicable period of measurement set forth below, EBITDA of not less than the following for such period:

	 

	
Period/Calendar Quarter
	
Minimum EBITDA

	
Six months ending on June 30, 2005
	
$934,000

	
Nine months ending on September 30, 2005
	
$1,890,000

	
Twelve months ending on December 31, 2005
	
$2,754,000

	
Twelve months ending on March 31, 2006
	
$3,007,000

	
Twelve months ending as of the end of each calendar quarter thereafter
	
$3,049,000

	 
	
                     (iii)  Current Ratio.  Company and its Subsidiaries on a consolidated basis shall maintain, as of the last day of each calendar quarter for the applicable period of measurement set forth below, a Current Ratio of not less than the following for such period: 

	 

	
Period/Calendar Quarter
	
current ratio

	
Nine months ending on September 30, 2005
	
1.00 to 1.00

	
Twelve months ending on December 31, 2005
	
1.00 to 1.00

	
Twelve months ending as of the end of each calendar quarter thereafter
	
1.00 to 1.00

	 
	
          For purposes of each of the above financial covenants, the following terms shall have the following meanings:

	 
	
           (i)     "Capital Expenditures" means, for any period, all payments for any fixed assets, or improvements or for replacements, substitutions or additions thereto, that have a useful life of more than one year and which are required to be capitalized under GAAP and which payments have been made from funds of Company other than funds borrowed by Company and its Subsidiaries.

	 
	
           (ii)     "Current Assets" means, with respect to any Person, all current assets of such Person as of any date of determination calculated in accordance with GAAP, but excluding debts due from Affiliates.

	
           (iii)     "Current Liabilities" means, with respect to any Person, all liabilities that should, in accordance with GAAP, be classified as current liabilities, and in any event shall include all Indebtedness payable on demand or within one year from any date of determination without any option on the part of the obligor to extend or renew beyond such year, all accruals for federal or other taxes based on or measured by income and payable within such year, but excluding the current portion of long-term debt required to be paid within one year.

	 
	
           (iv)     "Current Ratio" means, with respect to any Person as of any date of determination, the ratio of (a) Current Assets to (b) Current Liabilities.

	 
	
           (v)     "Fixed Charges" shall mean, with respect to Company for any period, the aggregate of all consolidated interest expenses paid or accrued, plus Capital Expenditures, plus obligations with respect to capital leases, plus the Reimbursement Obligations, plus cash income taxes payable, plus amounts paid to preferred shareholders, plus fees and scheduled payments of principal with respect to Indebtedness, in all cases during such period by Company and its Subsidiaries.

	 
	
           (vi)     "Fixed Charge Coverage Ratio" means, with respect to any Person for any period, the ratio of (a) EBITDA of such Person for such period to (b) the Fixed Charges of such Person for such period.

	 
	
           (vii)     "EBITDA" means, for any period (a) net income (or the deficit if expenses and charges exceed revenues and proper income items) increased by (b) all amounts deducted therefrom (without duplication) in the calculation of net income on account of the sum of (i) interest expense, (ii) provision for income taxes and (iii) depreciation and amortization expense (including but not limited to legal fees and closing costs associated with this Amendment and with the registration rights in respect of all outstanding warrants), but excluding therefrom (c) all amounts included therein on account of extraordinary items of income and expense, as well as gains from the sale of assets outside the ordinary course of business."

	 
	
          SECTION 2.  AMENDMENT TO AMENDED AND RESTATED SENIOR SUBORDINATED NOTE.  Subject to the satisfaction of the conditions precedent set forth in Section 3 below, the Amended and Restated Senior Subordinated Note (the "Note") is hereby amended as follows:

	 
	
The third unnumbered paragraph of the Note shall be replaced with the following:

	 
	 	
"The principal amount of the indebtedness evidenced hereby shall be payable in the amounts and on the dates specified in the Securities Purchase Agreement and, if not sooner paid in full, on July 31, 2006.  Interest thereon shall be paid until such principal amount is paid in full at such interest rates and at such times as are specified in the Securities Purchase Agreement."

	 
	
          SECTION 3.  CONDITIONS PRECEDENT TO THE EFFECTIVENESS OF THIS AMENDMENT.  This Amendment shall be effective as of March 31, 2005 (such date is referred to herein as the "Effective Date") upon full execution and delivery of the following, in each case in form and substance satisfactory to the Lenders:

	 
	
                     (a)     this Amendment;

	 
	
                     (b)     the Thirteenth Amendment to the Loan Agreement, dated as of the date hereof, among Company and its Subsidiaries, Purchaser, as Agent, and the lenders party thereto (the "Thirteenth Amendment");

	 
	
                     (c)     the Second Amendment to Amended and Restated Series A Note, the Second Amendment to Amended and Restated Series B Notes, and the First Amendment to Amended and Restated Series C Note, each dated as of the date hereof, in each case issued by Company and its Subsidiaries (the "Amended Notes"); and

	 
	
                     (e)     the consent included in the signature pages hereto of each of the Subsidiaries of the Company party to the Guaranty and each of the Lenders party to the Thirteenth Amendment.

	 
	
          SECTION 4.  REPRESENTATIONS AND WARRANTIES.  The Borrowers hereby, jointly and severally, represent and warrant to GE Capital as follows:

	 
	 	
     (a)     Recitals.  The Recitals in this Amendment are true and correct in all respects.

	 	 
	 	
     (b)     Incorporation of Representations.  All representations and warranties of the Borrowers in the Purchase Agreement, the Note or any document executed in conjunction therewith (the "Loan Documents") are incorporated herein in full by this reference and, except with respect to representations and warranties that were made as of and limited to a specific date, are true and correct as of the date hereof.

	 	 
	 	
     (c)     Corporate Power; Authorization.  The Borrowers have the corporate power, and have been duly authorized by all requisite action (corporate or otherwise), to execute and deliver this Amendment and to perform their obligations hereunder and thereunder.  This Amendment has been duly executed and delivered by each of the Borrowers.

	 	 
	 	
     (d)     Enforceability.  This Amendment is the legal, valid and binding obligation of Borrowers, enforceable against each Borrower in accordance with its terms.

	 	 
	 	
     (e)     No Violation.  The execution, delivery and performance of this Amendment by each of the Borrowers does not and will not (i) violate any law, rule, regulation or court order to which any Borrower is subject; (ii) conflict with or result in a breach of any Borrower's Articles of Incorporation, Bylaws, or other organizational documents or any agreement or instrument to which any Borrower is party or by which it or its properties are bound, or (iii) result in the creation or imposition of any lien, security interest or encumbrance on any property of any Borrower, whether now owned or hereafter acquired, other than liens in favor of GE Capital.

	 	 
	 	
     (f)     Obligations Absolute.  The obligation of the Borrowers to repay the obligations evidenced by the Notes and all obligations of every type or nature under any of the Loan Documents together with all interest accrued thereon, is absolute and unconditional, and there exists no right of set off or recoupment, counterclaim or defense of any nature whatsoever to payment of such obligations.

	 	 
	 	
     (g)     Default.  Assuming execution and delivery of the waiver of even date herewith related to the default of the minimum EBITDA covenant for the fourth quarter of 2004, no Default or Event of Default exists under the Note, the Purchase Agreement or any other Loan Document.

	 	 
	 	
     (h)     Public Disclosure.  From, and as of this date, Thermoview shall make, full, fair, accurate and complete disclosure of all relevant information related to this Amendment, the 13th Amendment, the Amended Notes and all other documents or arrangements related thereto, pursuant to the requirements of the applicable securities laws of the United States of America, including without limitation, the Securities Exchange Act of 1934, as amended.

	 
	
          SECTION 5.  DELIVERY OF UPDATED SCHEDULES.  The Company hereby covenants to, within 30 days after the Effective Date, deliver updated disclosure schedules identical to those which were delivered in connection with the Security Agreements.  Such disclosure schedules shall be true and correct as of the date hereof and as of the date of delivery.

	 
	
          SECTION 6.  FURTHER ASSURANCES.  The Company hereby covenants (i) to provide GE Capital with such other information respecting the business, properties, conditions, financial or otherwise, collateral, or operations of the Company or any of its Subsidiaries as GE Capital may from time to time reasonably request and (ii) (a) to execute and deliver to GE Capital such amendments, certificates, or other documents as GE Capital deems necessary or advisable and (b) to take all other actions as GE Capital deems necessary or advisable, in each case, in order to continue or grant to GE Capital a perfected first priority interest in the collateral granted with respect to the Security Documents.  

	 
	
          SECTION 7.  CONFIRMATION REGARDING PAYMENTS ON PREFERRED STOCK.  The Company hereby confirms that it shall not declare or pay any dividends on or make any distribution with respect to any class of its equity or ownership interest, or purchase, redeem, retire or otherwise acquire any of its equity, other than as set forth in Section 5G of the Loan Agreement, as amended and restated in that certain Ninth Amendment to Loan Agreement, Amendment to Amended and Restated Promissory Notes (the "Ninth Amendment"), dated as of March 28, 2003, by and among Borrowers and Lenders (it being understood that no payments of dividends shall be permitted pursuant to clause (ii) of Section 5G of the Loan Agreement, as amended and restated by the Ninth Amendment, if (a) at the time of such payment, the Borrowers shall not be in compliance with the financial covenants set forth in Sections 4.I.[1] and 4.I.[2] of the Loan Agreement, as such section was amended and restated in that certain Eight Amendment to the Loan Agreement and Amendment and Restatement of Note, dated as of March 22, 2001 among Borrowers and Lenders (without giving effect for purposes of this Section 4 to the terms of any subsequent amendment to Section 4.I of the Loan Agreement, including, without limitation, Sections 1.1 of this Amendment) or (b) at the time of such payment a Default or Event of Default shall have occurred and be continuing or such payment would result in the occurrence of a Default or Event of Default).

	 
	
          SECTION 8.  RELEASE OF CLAIMS AND WAIVER.  The Borrowers hereby release, remise, acquit and forever discharge GE Capital and GE Capital's employees, agents, representatives, consultants, attorneys, fiduciaries, servants, officers, directors, partners, predecessors, successors and assigns, subsidiary corporations, parent corporations, and related corporate divisions (all of the foregoing hereinafter called the "Released Parties"), from any and all actions and causes of action, judgments, executions, suits, debts, claims, demands, liabilities, obligations, damages and expenses of any and every character, known or unknown, direct and/or indirect, at law or in equity, of whatsoever kind or nature, whether heretofore or hereafter arising, for or because of any matter or things done, omitted or suffered to be done by any of the Released Parties prior to and including the date of execution hereof, and in any way directly or indirectly arising out of or in any way connected to this Amendment, the Purchase Agreement, the Note or any other Loan Document, including but not limited to, claims relating to any settlement negotiations (all of the foregoing hereinafter called the "Released Matters").  Borrowers acknowledge that the agreements in this paragraph are intended to be in full satisfaction of all or any alleged injuries or damages arising in connection with the Released Matters.  The Borrowers represent and warrant to GE Capital that they have not purported to transfer, assign or otherwise convey any right, title or interest of Borrowers in any Released Matter to any other Person and that the foregoing constitutes a full and complete release of all Released Matters.

	 
	
          SECTION 9.  RESERVATION OF RIGHTS.  Neither the execution of this Amendment nor the actions of the Lenders nor the failure of the Lenders to exercise any rights under the Purchase Agreement, the Note or any documents related thereto shall be a waiver of any rights or remedies of the Lenders as against Borrowers as a result of any Default or Event of Default which exists or might exist now or at any time under the Purchase Agreement, the Note or the any documents related thereto.  Nothing contained in this Amendment, the 13th Amendment, the Amended Notes, nor any communications between the Lenders and Borrowers, shall be a waiver of any rights or remedies of the Lenders, as against Borrowers.  The Lenders hereby reserve and preserve all of their rights and remedies against Borrowers under the Purchase Agreement, the Note, any documents related thereto, and applicable law or in equity; specifically, this Amendment does not constitute a waiver or implied waiver of any Defaults or Events of Default which currently exist.

	 
	
          SECTION 10.  COSTS AND EXPENSES. The Borrowers hereby reaffirm their agreement under the Purchase Agreement to pay or reimburse GE Capital on demand for all costs and expenses incurred by GE Capital in connection with the Purchase Agreement and all other documents contemplated thereby, including without limitation all reasonable fees and disbursements of legal counsel. Without limiting the generality of the foregoing, the Borrowers specifically agree to pay all fees and disbursements of counsel to GE Capital for the services performed by such counsel in connection with the preparation of this Amendment and the documents and instruments incidental hereto. 

	 
	
          SECTION 11.  EFFECT AND CONSTRUCTION OF AMENDMENT.  Except as expressly provided herein, the Purchase Agreement, the Note and any other Loan Documents shall remain in full force and effect in accordance with their respective terms, and this Amendment shall not be construed to: 

	 
	
                     (a)     impair the validity, perfection or priority of any lien or security interest securing the Note;

	 
	
                     (b)     waive or impair any rights, powers or remedies of the GE Capital under the Loan Documents;

	 
	
                     (c)     constitute an election of remedies to the exclusion of any other remedies; or 

	 
	
                     (d)     constitute an agreement between GE Capital and the Borrowers or require the GE Capital to waive any Events of Default or extend the term of the Purchase Agreement or the Note or the time for payment of any of the obligations represented by the Note or the Loan Documents; or make any further loans or other extensions of credit to Borrowers or any of them.

	 
	
          SECTION 12.  BENEFIT OF AGREEMENT.  This Amendment shall be binding upon and inure to the benefit of and be enforceable by the parties hereto, their respective successors and assigns.  No other person or entity shall be entitled to claim any right or benefit hereunder, including, without limitation, the status of a third-party beneficiary of this Amendment.

	 
	
          SECTION 13.  ENTIRE AGREEMENT.  Except as expressly set forth herein, there are no agreements or understandings, written or oral, by and among Borrowers and GE Capital relating to this Amendment, the Purchase Agreement or the other Loan Documents that are not fully and completely set forth herein or therein.

	 
	
          SECTION 14.  SEVERABILITY.  The provisions of this Amendment are intended to be severable.  If any provisions of this Amendment shall be held invalid or unenforceable in whole or in part in any jurisdiction, such provision shall, as to such jurisdiction, be ineffective to the extent of such invalidity or enforceability without in any manner affecting the validity or enforceability of such provision in any other jurisdiction or the remaining provisions of this Amendment in any jurisdiction.

	 
	
          SECTION 15.  GOVERNING LAW.  This Amendment shall be governed by and construed in accordance with the internal substantive laws of the State of New York, without regard to the choice of law principles of such state.

	 
	
          SECTION 16.  COUNTERPARTS; FACSIMILE SIGNATURES.  This Amendment may be executed in any number of counterparts and by different parties to this Amendment on separate counterparts, each of which, when so executed, shall be deemed an original, but all such counterparts shall constitute one and the same agreement.  Any signature delivered by a party by facsimile transmission shall be deemed to be an original signature hereto.

	 
	
          SECTION 17.  NOTICES.  Any notices with respect to this Amendment shall be given in the manner provided for in the Purchase Agreement.

	 
	
          SECTION 18.  SURVIVAL.  The provisions set forth in Section 8 above shall survive the payment in full of the Notes.

	 
	
          SECTION 19.  AMENDMENT.  No amendment, modification, rescission, waiver or release of any provision of this Amendment shall be effective unless the same shall be in writing and signed by the parties hereto.  As amended hereby, the Note, the Purchase Agreement and the Loan Documents remain in full force and effect.

	 
	
          SECTION 20.  REFERENCES. All references in the Loan Documents to the Note shall be deemed to refer to the Note as amended, restated, modified or supplemented from time to time.

	 
	
          SECTION 21.  NO OTHER WAIVER.  The execution of this Amendment and acceptance of any documents related hereto shall not be deemed to be a waiver of any Event of Default or breach, default or event of default under any Loan Document or other document held by GE Capital, whether or not known to GE Capital and whether or not existing on the date of this Amendment.

	 
	
          SECTION 22.  JURY TRIAL WAIVER.  BECAUSE DISPUTES ARISING IN CONNECTION WITH COMPLEX FINANCIAL TRANSACTIONS ARE MOST QUICKLY AND ECONOMICALLY RESOLVED BY AN EXPERIENCED AND EXPERT PERSON AND THE PARTIES WISH APPLICABLE STATE AND FEDERAL LAWS TO APPLY (RATHER THAN ARBITRATION RULES), THE PARTIES DESIRE THAT THEIR DISPUTES BE RESOLVED BY A JUDGE APPLYING SUCH APPLICABLE LAWS.  THEREFORE, TO ACHIEVE THE BEST COMBINATION OF THE BENEFITS OF THE JUDICIAL SYSTEM AND OF ARBITRATION, THE PARTIES HERETO WAIVE ALL RIGHT TO TRIAL BY JURY IN ANY ACTION, SUIT, OR PROCEEDING BROUGHT TO RESOLVE ANY DISPUTE, WHETHER SOUNDING IN CONTRACT, TORT OR OTHERWISE, AMONG GE CAPITAL AND ANY BORROWER ARISING OUT OF, CONNECTED WITH, RELATED TO, OR INCIDENTAL TO THE RELATIONSHIP ESTABLISHED AMONG THEM IN CONNECTION WITH, THIS AMENDMENT, THE PURCHASE AGREEMENT OR ANY OF THE OTHER LOAN DOCUMENTS OR THE TRANSACTIONS RELATED THERETO.

	 
	 
	 
	
          IN WITNESS WHEREOF, this Amendment has been duly executed as of the date first written above.

	 

	 	
THERMOVIEW INDUSTRIES, INC.

	 	 
	 	
By:____________________________________

	 	
          Charles L. Smith, President

	 	 
	 	 
	 	
GE CAPITAL EQUITY INVESTMENTS, INC.

	 	 
	 	
By: ___________________________________

	 	
          Duly Authorized signatory

	 	 
	 	 
	 	
CONSENT OF LENDERS

	 	 
	 	
GE CAPITAL EQUITY INVESTMENTS, INC.

	 	 
	 	
By: __________________________________

	 	
Name: ________________________________

	 	
Title: _________________________________

	 	 
	 	 
	 	
SERIES B LENDERS:

	 	 
	 	
DART Investors, L.P.

	 	
By: DART Management General Partner Group, LLC

	 	 
	 	
By: _________________________________

	 	
          Mitchell M. Wexler, Manager

	 	 
	 	
____________________________________

	 	
Charles L. Smith

	 	 
	 	
____________________________________

	 	
Robert L. Cox

	 	 
	 	
____________________________________

	 	
Robert L. Cox, II

	 	 
	 	
____________________________________

	 	
Stephen A. Hoffman

	 	 
	 	
____________________________________

	 	
Mitch M. Wexler

	 	 
	 	
____________________________________

	 	
Stephen Townzen

	 	 
	 	
EMERGING BUSINESS SOLUTIONS, LLC

	 	 
	 	 
	 	
By: _________________________________

	 	
Duly Authorized Signatory

	 	 
	 	 
	 	
____________________________________

	 	
Ronald L. Carmicle

	 	 
	 	
____________________________________

	 	
Raymond C. Dauenhauer

	 	 
	 	
____________________________________

	 	
J. Sherman Henderson, III

	 	 
	 	
____________________________________

	 	
Bruce C. Merrick

	 	 
	 	
____________________________________

	 	
George T. Underhill, II

	 	 
	 	
____________________________________

	 	
Daniel F. Dooley

	 	 
	 	 
	 	 

	
CONSENT OF THE GUARANTORS

	 
	
               The Subsidiaries of Company hereby (i) acknowledge receipt of a copy of this Amendment and (ii) agree that the terms and provisions thereof shall not affect in any way the obligations and liabilities of such Subsidiaries under the Guaranty or any of the other Loan Documents, all of which obligations and liabilities shall remain in full force and effect and each of which are hereby reaffirmed.

	 

	 	
THERMOVIEW INDUSTRIES, INC.

	 	
AMERICAN HOME DEVELOPERS CO., INC.

	 	
FIVE STAR BUILDERS, INC.

	 	
KEY HOME CREDIT, INC.

	 	
KEY HOME MORTGAGE, INC.

	 	
LEINGANG SIDING AND WINDOW, INC.

	 	
PRIMAX WINDOW CO.

	 	
PRECISION WINDOW MFG., INC.

	 	
ROLOX, INC.

	 	
TD WINDOWS, INC.

	 	
THERMAL LINE WINDOWS, INC.

	 	
THERMOVIEW OF MISSOURI, INC.

	 	
THERMO-TILT WINDOW COMPANY

	 	
THOMAS CONSTRUCTION, INC.

	 	
THERMO-SHIELD OF AMERICA (ARIZONA), INC.

	 	
THERMO-SHIELD OF AMERICA (MICHIGAN), INC.

	 	
THERMO-SHIELD COMPANY, LLC

	 	
THERMO-SHIELD OF AMERICA (WISCONSIN), LLC

	 	
THERMOVIEW ADVERTISING GROUP, INC.

	 	 
	 	 
	 	
By:____________________________________________

	 	
          Charles L. Smith, PresidentSpartan Stores, Inc. Exhibit 10.3 to Form 10-K - 05-23-05

EXHIBIT 10.3

SPARTAN STORES, INC.

SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN

____________________________________

ARTICLE I

ESTABLISHMENT OF THE PLAN

                    1.1          History of the Plan.

                    Spartan Stores, Inc., a Michigan corporation, established a retirement benefit plan to be known as the Spartan Stores, Inc. Supplemental Executive Retirement Plan.  The Plan was established effective as of April 1, 1990 and has been periodically amended.

                    1.2          Purpose.

                    Employer desires to retain the services of a select group of executives who contribute to the profitability and success of Employer.  Employer adopted the Plan to provide additional retirement income to the executives who participate in the Plan.

                    1.3          This Document.

                    Employer is redesigning, amending and restating the Pension Plan as of April 1, 1998.  By this document, Employer is amending and restating this Plan as of the same date - April 1, 1998.  The Plan shall be comprised of this Plan document and the Appendices.

                    1.4          Status of Plan Under ERISA.

                    The Plan is intended to be "unfunded" and maintained "primarily for the purpose of providing deferred compensation for a select group of management or highly compensated employees" for purposes of ERISA.  Accordingly, the Plan is not intended to be covered by Parts 2 through 4 of Subtitle B of Title I of ERISA.

ARTICLE II

DEFINITIONS

                    The following terms shall have the meanings described in this Article unless the context clearly indicates another meaning.  All references in the Plan to specific Articles or Sections shall refer to Articles or Sections of the Plan unless otherwise stated.

                    2.1          Accrued Benefit.

                    "Accrued Benefit" has the same meaning as in the Pension Plan.

                    2.2          Actuarial Equivalent.

                    "Actuarial Equivalent" means the equality in value of the aggregate amount of benefits to be received under different forms of payment.  Actuarially Equivalent benefits shall be determined using actuarial assumptions used for determining actuarially equivalent benefits in the Pension Plan.

                    2.3          Annuity Starting Date.

                    "Annuity Starting Date" has the same meaning as in the Pension Plan.

                    2.4          Beneficiary.

                    "Beneficiary" has the same meaning as in the Pension Plan.

                    2.5          Code.

                    "Code" means the Internal Revenue Code of 1986, as amended.

                    2.6          Death Benefit.

                    "Death Benefit" has the same meaning as in the Pension Plan.

                    2.7          Disability Retirement Benefit.

                    "Disability Retirement Benefit" has the same meaning as in the Pension Plan.

                    2.8          Early Retirement Benefit.

                    "Early Retirement Benefit" has the same meaning as in the Pension Plan.

                    2.9          Employee.

                    "Employee" means any common-law employee of Employer.  An individual who is treated by Employer as an independent contractor or self-employed individual for purposes of income tax withholding by Employer is not an Employee.

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                    2.10          Employer.

                    "Employer" means Spartan Stores, Inc.

                    2.11          ERISA.

                    "ERISA" means the Employee Retirement Income Security Act of 1974, as amended.

                    2.12          Normal Retirement Benefit.

                    "Normal Retirement Benefit" has the same meaning as in the Pension Plan.

                    2.13          Participant.

                    "Participant" means an Employee or former Employee of Employer who has met the requirements for participation under Article III, and who is or may become eligible to receive a retirement benefit from the Plan.

                    2.14          Pension Plan.

                    "Pension Plan" means the Spartan Stores, Inc. Cash Balance Pension Plan (formerly, the Spartan Stores, Inc. Pension Plan), as currently in effect as of April 1, 1998 and as it may be amended in the future.

                    2.15          Plan.

                    "Plan" means the Spartan Stores, Inc. Supplemental Executive Retirement Plan.

                    2.16          Plan Administrator.

                    "Plan Administrator" means the named fiduciary responsible for the operation and administration of the Plan as provided in Article VII.

                    2.17          Single Life Annuity.

                    "Single Life Annuity" has the same meaning as in the Pension Plan.

                    2.18          Spouse.

                    "Spouse" has the same meaning as in the Pension Plan.

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                    2.19          Statutory Limits.

                    "Statutory Limits" mean any limits imposed by the Code on benefits under the Pension Plan.  This includes, but is not limited to, the limits imposed by Sections 401(a)(17) and 415 of the Code.

ARTICLE III

PARTICIPATION

                    3.1          Eligibility for Participation.

                    The Plan Administrator may periodically designate, in writing, Employees to participate in the Plan.  It is intended that participation be limited to Employees who are participants in the Pension Plan and who will qualify as members of a "select group of management or other highly compensated employees" under Title I of ERISA.  An Employee shall begin to participate in the Plan upon the date designated by the Plan Administrator.

                    Upon becoming eligible to participate, each Employee shall complete and submit to Employer the application for participation form attached to the Plan as Appendix A.

                    3.2          Termination of Active Participation.

                    The Plan Administrator may remove an Employee from further active participation in the Plan.  If this occurs, the Employee shall not earn any additional benefits under the Plan.  The amount of the Employee's benefits, if any, under the Plan shall be determined as of the date he ceases active participation.  The Employee's benefits shall be paid only if he satisfies the other requirements of the Plan.

ARTICLE IV

BENEFITS

                    4.1          Eligibility.

                    A Participant shall be eligible for a benefit under the Plan if he terminates employment with Employer and receives one of the following types of benefits from the Pension Plan:  Normal Retirement Benefit, Early Retirement Benefit, or Disability Retirement Benefit.  Further, a Participant shall be eligible for a benefit under the Plan if he terminates employment with Employer on or after June 1, 1998 and receives a Deferred Vested Benefit from the Pension Plan.  Similarly, the Spouse or Beneficiary of a Participant shall be eligible for a benefit under the Plan if the Participant dies before his Annuity Starting Date under the Pension Plan and his Spouse or Beneficiary is eligible for a Death Benefit under the Pension Plan.

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                    4.2          Amount of Benefit.

                    Except as otherwise provided in an Appendix, the benefits payable to an eligible Participant or Spouse or Beneficiary shall be equal to the amount, if any, by which (a) exceeds (b):

                    (a)          The Accrued Benefit that would have been payable to the Participant or Spouse or Beneficiary under the Pension Plan, but for the operation of the Statutory Limits.

                    (b)          The Accrued Benefit payable to the Participant or Spouse or Beneficiary from the Pension Plan.

For this purpose, the Participant's Accrued Benefit shall be calculated in accordance with the Pension Plan as in effect as of April 1, 1998 and as it may be amended in the future.

                    The Participant's Accrued Benefit shall be converted to a lump sum amount for purposes of Section 4.3, in accordance with the Actuarial Equivalent principles set forth in the Pension Plan.

                    4.3          Payment.

                    (a)          Benefit Payment to Participant.  Prior to April 1, 1998 (when the Plan was amended and restated), a Participant's benefit was distributed in a Single Life Annuity (if to a unmarried Participant) or a joint and 50% survivor annuity (if to a married Participant).  However, the Participant could waive the automatic form and elect a ten-year certain and life annuity.

                    Effective as of April 1, 1998, the Participant may elect to receive his benefit in one of the following forms:

                    (i)          Single Lump Sum Payment.  A lump sum distribution of the Participant's benefit under the Plan.

                    (ii)          Five Annual Installment Payments.  Five annual installment payments of the Participant's benefit under the Plan.  If a Participant dies before receiving all of the installments, the remaining installments shall be paid to his Beneficiary.  After the first annual installment, each subsequent installment shall be increased annually for interest.  For this purpose, the interest rate shall equal the yield on five-year Treasury notes on the date the first annual installment is paid.

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                    (iii)          Ten Annual Installment Payment.  Ten annual installment payments of the Participant's benefit under the Plan.  If a Participant dies before receiving all of the installments, the remaining installments shall be paid to his Beneficiary.  After the first annual installment, each subsequent installment shall be increased annually for interest.  For this purpose, the interest rate shall equal the yield on ten-year Treasury notes on the date the first annual installment is paid.

                    Each Participant must make an irrevocable election regarding the form in which his benefit shall be paid.  For Employees who become Participants in the Plan on or before October 13, 1998, this election must be made by no later than November 13, 1998.  For Employees who become Participants after October 13, 1998, an irrevocable election must be made within 30 days of becoming a Participant.  An irrevocable election must be made by completing an Employer-provided distribution election form and returning the form to Employer.

                    Notwithstanding the provisions of the immediately preceding paragraph, after the date of the Participant's election and before the date benefits are payable, the Participant may submit a written request to an administrative committee appointed by Employer's Board of Directors to change the form in which his Plan benefits are distributed.  The Participant's request shall not be binding on the administrative committee nor shall the Participant have any ability to require the administrative committee to grant his request.  Rather, the administrative committee will act in its sole discretion in granting or denying the request.  If the Participant is a member of the administrative committee, the Participant shall abstain from voting and shall take no action with respect to his request for a change in the form in which his benefits are payable.  If the administrative committee approves the request, benefits shall be payable in the alternate form.

                    Benefits shall be paid to the Participant as of the first day of the month following the month during which the Participant terminates employment with Employer.

                    For purposes of (ii) and (iii), the Participant's Beneficiary shall be designated in accordance with the rules in the Pension Plan and shall be the same individual the Participant has designated as his Beneficiary under the Pension Plan unless the Participant completes a separate Employer-provided Beneficiary designation form with respect to the distribution of this Plan's benefit and returns it to Employer.  The Participant may change his Beneficiary designation at any time prior to death by completing a new Beneficiary designation form and filing it with Employer.

                    (b)          Benefit Payment to Spouse or Beneficiary.  If the Participant dies before his Annuity Starting Date under the Plan, his Spouse or Beneficiary may be eligible for a Death Benefit under this Plan.  The Death Benefit under this Plan shall be paid in the form of a single lump sum payment (which shall be the Actuarial Equivalent of a Single Life Annuity) and shall be made as of the first day of the month following the

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month of the Participant's death.  The Beneficiary of the Death Benefit shall be the same individual the Participant has designated as his Beneficiary under the Pension Plan unless the Participant completes a separate Employer-provided Beneficiary designation form with respect to the distribution of this Plan's Death Benefit and returns it to Employer.  The Participant may change his Beneficiary designation at any time prior to death by completing a new Beneficiary designation form and filing it with Employer.

                    4.4          Tax Withholding.

                    Benefit payments from the Plan shall be subject to all applicable tax withholdings.

ARTICLE V

CHANGE IN CONTROL

                    5.1          Eligibility for Benefit.

                    A Participant shall have a nonforfeitable, fully vested right to the benefit the Participant shall have earned under the Plan from and after the date Employer has a change in control.  For purposes of this Article, the term "change in control" means:

                    (a)          The acquisition by any individual, entity, or group (a "Person"), including any "person" within the meaning of Section 13(d)(3) or 14(d)(2) of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), of beneficial ownership within the meaning of Rule 13d-3 promulgated under the Exchange Act, of 20% or more of either (i) the then outstanding shares of common stock of Employer (the "Outstanding Employer Common Stock") or (ii) the combined voting power of the then outstanding securities of Employer entitled to vote generally in the election of directors (the "Outstanding Employer Voting Securities"); provided, however, that the following acquisitions shall not constitute a change in control: (A) any acquisition by Employer, (B) any acquisition by an employee benefit plan (or related trust) sponsored or maintained by Employer or any corporation controlled by Employer, (C) any acquisition by any corporation pursuant to a reorganization, merger, or consolidation involving Employer, if, immediately after such reorganization, merger, or consolidation, each of the conditions described in (i), (ii), and (iii) of subsection (c) shall be satisfied, or (D) with respect to an individual Participant, any acquisition by the Participant or any group of persons including the Participant; and provided further that, for purposes of (A), if any Person (other than Employer or any employee benefit plan (or related trust) sponsored or maintained by Employer or any corporation controlled by Employer) shall become the beneficial owner of 20% or more of the Outstanding Employer Common Stock or 20% or more of the Outstanding Employer Voting Securities by reason of an acquisition by Employer and such Person shall, after such acquisition by Employer, become the beneficial owner of any additional shares of the Outstanding Employer Common Stock or any additional Outstanding Employer Voting Securities, such additional beneficial ownership shall constitute a change in control;

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                    (b)          Individuals who, as of April 1, 1998, constitute the Board (the "Incumbent Board") cease for any reason to constitute at least a majority of such Board; provided, however, that any individual who becomes a director of Employer subsequent to April 1, 1998 whose election, or nomination for election by Employer's shareholders, was approved by the vote of at least two-thirds of the directors then comprising the Incumbent Board (either by a specific vote or by approval of the proxy statement of Employer in which such person is named as a nominee for director, without objection to such nomination) shall be deemed to have been a member of the Incumbent Board; and provided further, that no individual who was initially elected as a director of Employer as a result of an actual or threatened election contest, as such terms are used in Rule 14a-11 of Regulation 14A promulgated under the Exchange Act, or any other actual or threatened solicitation of proxies or consents by or on behalf of any Person other than the Board, shall be deemed to have been a member of the Incumbent Board;

                    (c)          Approval by the shareholders of Employer of a reorganization, merger, or consolidation unless, in any such case, immediately after such reorganization, merger, or consolidation, (i) more than 50% of the then outstanding shares of common stock of the corporation resulting from such reorganization, merger, or consolidation and more than 50% of the combined voting power of the then outstanding securities of such corporation entitled to vote generally in the election of directors is then beneficially owned, directly or indirectly, by all or substantially all of the individuals or entities who were the beneficial owners, respectively, of the Outstanding Employer Common Stock and the Outstanding Employer Voting Securities immediately prior or such reorganization, merger, or consolidation and in substantially the same proportions relative to each other as their ownership, immediately prior to such reorganization, merger, or consolidation, of the Outstanding Employer Common Stock and the Outstanding Employer Voting Securities, as the case may be, (ii) no Person (other than: (A) Employer, any employee benefit plan (or related trust) sponsored or maintained by Employer or the corporation resulting from such reorganization, merger, or consolidation (or any corporation controlled by Employer), or (B) any Person which beneficially owned, immediately prior to such reorganization, merger, or consolidation, directly or indirectly, 20% or more of the Outstanding Employer Common Stock or the Outstanding Employer Voting Securities, as the case may be) beneficially owns, directly or indirectly, 20% or more of the then outstanding shares of common stock of such corporation or 20% or more of the combined voting power of the then outstanding securities of such corporation entitled to vote generally in the election of directors, and (iii) at least a majority of the members of the board of directors of the corporation resulting from such reorganization, merger, or consolidation were members of the Incumbent Board at the time of the execution of the initial agreement or action of the Board providing for such reorganization, merger, or consolidation; or 

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                    (d)          Approval by the shareholders of Employer of (i) a plan of complete liquidation or dissolution of Employer or (ii) the sale or other disposition of all or substantially all of the assets of Employer other than to a corporation with respect to which, immediately after such sale or other disposition, (A)  more than 50% of the then outstanding shares of common stock thereof and more than 50% of the combined voting power of the then outstanding securities thereof entitled to vote generally in the election of directors is then beneficially owned, directly or indirectly, by all or substantially all of the individuals and entities who were the beneficial owners, respectively, of the Outstanding Employer Common Stock and the Outstanding Employer Voting Securities immediately prior to such sale or other disposition and in substantially the same proportions relative to each other as their ownership, immediately prior to such sale or other disposition, of the Outstanding Employer Common Stock and the Outstanding Employer Voting Securities, as the case may be, (B) no Person (other than Employer, any employee benefit plan (or related trust) sponsored or maintained by Employer or such corporation (or any corporation controlled by Employer), or any Person which beneficially owned, immediately prior to such sale or other disposition, directly or indirectly, 20% or more of the Outstanding Employer Common Stock or the Outstanding Employer Voting Securities as the case may be) beneficially owns, directly or indirectly, 20% or more of the then outstanding shares of Common stock thereof or 20% or more of the combined voting power of the then outstanding securities thereof entitled to vote generally in the election of directors and (C) at least a majority of the members of the board of directors thereof were members of the Incumbent Board at the time of the execution of the initial agreement or action of the Board providing for such sale or other disposition.

                    5.2          Amount of Benefits.

                    A Participant's benefit shall be the amount determined under Section 4.2, subject to Section 5.1, as of the date of the Participant's termination of employment.

                    5.3          Payment.

                    Benefits shall be paid in accordance with Section 4.3.

                    5.4          Funding of Benefits.

                    If a change in control occurs, Employer shall establish a grantor trust of the type referred to as a "rabbi trust" to fully fund all Participants' vested Plan benefits, the assets of which will be subject to the claims of creditors of Employer in the event of its insolvency.  The benefits that become payable under the Plan to a Participant or his Beneficiary shall be paid from the assets of that trust to the extent they are not paid directly by Employer.

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ARTICLE VI

OTHER TERMINATION OF EMPLOYMENT

AND NONCOMPETITION

                    6.1          Other Termination of Employment.

                    Notwithstanding any other provisions of the Plan, no benefits shall be payable to the Participant or his Spouse or Beneficiary under the Plan in either of the following situations:

                    (a)          If the Participant terminates employment before becoming entitled to benefits under the Plan; or

                    (b)          If the Participant's employment with Employer is terminated by Employer for cause, as defined in Section 6.2.

                    6.2          Termination of Employment for Cause.

                    (a)          For purposes of Section 6.1, a Participant is terminated for "cause" if his employment is terminated for any of the reasons set forth in this Section.

                    (i)          General Definition of Cause.  Except upon a change in control (see (ii) below), a Participant is terminated for "cause" if his employment is terminated for any of the following reasons:

                    (A)          Gross negligence, fraud, dishonesty or willful violation of any law or significant Employer policy, committed in connection with his employment and resulting in a material adverse effect on Employer; or

                    (B)          Failure to substantially perform (for reasons other than disability) the duties reasonably assigned to him in a manner consistent with prior practice.

                    (ii)          Definition of Cause Upon a Change in Control.  Notwithstanding (i) above, upon a change in control, a Participant is terminated for "cause" if his employment is terminated for any of the following reasons:

                    (A)          The willful and continued failure by the Participant to substantially perform his duties with Employer (other than any such failure resulting from Participant's incapacity due to physical or mental injury or illness, or any such actual or anticipated failure resulting from Participant's termination for "good reason" (as that term is defined in the Participant's Executive Severance Agreement with Employer) after a demand for substantial performance is delivered to the Participant by the

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Board of Directors (which demand shall specifically identify the manner in which the Board of Directors believes that the Participant has not substantially performed his duties); or

                    (B)          The willful engaging by the Participant in gross misconduct materially and demonstrably injurious to Employer.

                    For this purpose, no act or failure to act on the part of the Participant shall be considered "willful" unless done or omitted to be done by the Participant not in good faith and without reasonable belief that his action(s) or omission(s) was in the best interests of Employer.  Notwithstanding the foregoing, the Participant shall not be deemed to have been terminated for cause unless and until Employer provides Participant with a copy of a resolution adopted by an affirmative vote of not less than two-thirds of the entire membership of the Board of Directors at a meeting of the Board of Directors called and held for the purpose (after reasonable notice to the Participant and an opportunity for the Participant, with counsel, to be heard before the Board of Directors), finding that in the good faith opinion of the Board of Directors the Participant has been guilty of conduct set forth in (i) or (ii) above, setting forth the particulars in detail.  A determination for cause by the Board of Directors shall not be binding upon or entitled to deference by any finder of fact in the event of a dispute, it being the intent of the parties that such finder of fact shall make an independent determination of whether the termination was for "cause" as defined in (i) or (ii) above.

                    (b)          The definition of "cause" in this Section is relevant only for purposes of eligibility for benefits under this Plan, and is not intended to change the status of a Participant as an "at will" Employee of Employer.

                    (c)          If Employer determines that a Participant is ineligible for benefits because the Participant's employment was terminated for cause and the Participant disputes that determination, the Participant's sole remedy after exhausting the claims procedure of Section 7.5 shall be arbitration.  The arbitration procedure is attached to the Plan as Appendix B.

                    6.3          Noncompetition.

                    Any Participant who retires under the Plan shall not engage in "competition" with Employer within three years after retirement.  For this purpose, a Participant is engaged in "competition" if he accepts employment, is retained as a consultant or receives any consideration, financial or otherwise, by or from a competing business (as determined by Employer's Board of Directors).

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                    If a Participant violates this noncompetition provision, his benefits under the Plan shall be reduced by the amount of "compensation" received from the competing business during the three-year noncompetition period described in the immediately preceding paragraph.  For this purpose, "compensation" includes the total value of any monetary compensation and nonmonetary compensation, including any amounts deferred during the three-year noncompetition period.  If the Participant is self-employed, "compensation" means gross income before expenses.

                    Employer shall have the right to obtain sufficient information regarding compensation from a competing retail business to calculate the reduction in benefits described in this Section.  If the Participant fails to provide timely or complete information, benefit payments shall be ceased until such information is provided.

                    However, in the event of a change in control, as described in Section 5.1, this Section shall be deleted and shall have no effect.

ARTICLE VII

ADMINISTRATION

                    7.1          Plan Administrator.

                    Employer shall have the sole responsibility for the administration of the Plan and is designated as named fiduciary and Plan Administrator.

                    7.2          Appointment of Administrative Committee.

                    Employer may delegate all or a portion of its duties as Plan Administrator to an Administrative Committee.  The members of the administrative committee shall be selected by Employer.  If an administrative committee is appointed, it shall have the power and duties of the Plan Administrator which are described in this Article and which are delegated to the administrative committee.

                    7.3          Powers of Plan Administrator.

                    The Plan Administrator shall have all discretionary powers necessary to administer, and satisfy its obligations under the Plan, including, but not limited to, the following:

                    (a)          Maintain records pertaining to the Plan.

                    (b)          Interpret the terms and provisions of the Plan.

                    (c)          Establish procedures by which Participants may apply for pension benefits under the Plan and appeal a denial of pension benefits.

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                    (d)          Determine the rights under the Plan of any Participant applying for or receiving pension benefits.

                    (e)          Administer the claims procedure provided in this Article.

                    (f)          Perform all acts necessary to meet the reporting and disclosure obligations imposed by Sections 101 through 111 of ERISA.

                    (g)          Delegate specific responsibilities for the operation and administration of the Plan to such employees or agents as it deems advisable and necessary.

                    7.4          Standard of Care.

                    The Plan Administrator shall administer the Plan solely in the interest of Participants and for the exclusive purposes of providing pension benefits to such Participants and their beneficiaries.  The Plan Administrator shall administer the Plan with the care, skill, prudence and diligence under the circumstances then prevailing that a prudent person, 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.

                    The Plan Administrator shall not be liable for any act or omission relating to its duties under the Plan, unless the act or omission violates the standard of care described in this Section.

                    7.5          Claims Procedure.

                    Any Participant whose application for benefits under the Plan has been denied, in whole or in part, shall be given written notice of the denial of benefits by the Plan Administrator.  The notice shall be in easily understood language and shall indicate the reasons for denial and the specific provisions of the Plan on which the denial is based.  The notice shall explain that the Participant may request a review of the denial and the procedure for requesting review.  The notice shall describe any additional information necessary to perfect the Participant's claim and explain why such information is necessary.

                    A Participant may make a written request to the Plan Administrator for a review of any denial of benefits under this Plan.  The request for review must be in writing and must be made within 90 days after the mailing date of the notice of denial.  The request shall refer to the provisions of the Plan on which it is based and shall set forth the facts relied upon as justifying a reversal or modification of the determination being appealed.

                    A Participant who requests a review of a denial of benefits in accordance with this claims procedure may examine pertinent documents and submit pertinent issues and comments in writing.  A Participant may have a duly authorized representative act on his behalf in exercising his right to request a review and any other rights granted by this claims procedure.

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The Plan Administrator shall provide a review of the decision denying the claim for benefit within 60 days after receiving the written request for review.

                    However, in the event of a change in control as described in Section 5.1, the dispute resolution procedure set forth in Schedule 11(c) of the Participant's Executive Severance Agreement with Employer shall be substituted for the claims procedure set forth in this Section and in Appendix B. Further, in the event of a change in control as described in Section 5.1 and a dispute between the Participant and Employer and/or the Plan Administrator, the determinations of Employer and/or the Plan Administrator shall not be entitled to deference, it being the intent of the parties that there shall be independent determinations of any disputed fact or issue through the dispute resolution procedure.

ARTICLE VIII

MISCELLANEOUS

                    8.1          Funding of Benefits.

                    The Plan shall be unfunded, except as provided in Section 5.4.  Although Employer may make corporate investments to fund its potential liability under the Plan, all benefits shall be paid directly by Employer from its general assets to Participants who qualify for benefits.  Employer's obligation to pay benefits under the Plan shall be unsecured.

                    8.2          Spendthrift Provision.

                    No benefit or interest under the Plan is subject to assignment or alienation, whether voluntary or involuntary.  Any assignment or alienation of benefits shall be void.

                    8.3          Employment Rights.

                    The existence of the Plan shall not grant a Participant any legal right to continue as an Employee nor affect the right of Employer to discharge a Participant.

                    8.4          Amendment or Termination.

                    Employer shall have the right to amend or terminate the Plan at any time by action of its Board of Directors.  However, no amendment or termination shall reduce a Participant's benefits to an amount less than the benefit to which the Participant would be entitled under the Plan if he had terminated employment as of the date of the amendment or termination.  The effect of Employer's amendment or termination of the Plan on a Participant's benefit, as set forth in the immediately preceding sentence, is subject to Section 5.1 (which requires a Participant's benefits to be nonforfeitable and fully vested upon a change in control) and the terms of any applicable employment agreement between Employer and a Participant.

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                    8.5          Construction.

                    Words used in the masculine shall apply to the feminine where applicable; and wherever the context of the Plan dictates, the plural shall be read as the singular and the singular as the plural.

                    8.6          Executive Severance Agreement.

                    Each Participant shall enter into an Executive Severance Agreement with Employer.  It is intended that the terms of the Plan with respect to a Participant be interpreted in a manner consistent with that Participant's Executive Severance Agreement.  Thus, with respect to a Participant, in the event of a conflict between the terms of the Plan and the terms of the Participant's Executive Severance Agreement, the terms of the Executive Severance Agreement shall control.

                    8.7          Governing Law.

                    To the extent that Michigan law is not preempted by ERISA, the provisions of the Plan shall be governed by the laws of the state of Michigan.

                    IN WITNESS OF WHICH, Employer has adopted the Plan this 23rd day of February, 1999.

	 	
SPARTAN STORES, INC.

	 	 
	 	 
	 	
By
	
/s/ Russell H. VanGilder, Jr.

	 	 	 	 
	 	 	 	
Its Chairperson of the Board of Directors

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APPENDIX A

SPARTAN STORES, INC.

SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN

Application for Participation

                    [Omitted.]

APPENDIX B

SPARTAN STORES, INC.

SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN

Arbitration Procedure

                    [Omitted.]

APPENDIX C

SPARTAN STORES, INC.

SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN

Benefit for James B. Meyer

                    [Omitted.]

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