Document:

<PAGE>

                                                                    EXHIBIT 10.9

March 14, 2000

Mr. M. Terry Turner
President and CEO
Pinnacle Financial Corporation
Maryland Farms
#6 Cadillac Dr., Suite 340
Brentwood, TN  37027

Dear Terry:

Atkinson Public Relations is delighted to have the opportunity to provide public
relations counsel and support as you establish a new bank in Nashville. In this
Letter of Agreement, Atkinson describes the terms of our working relationship:

1)   For professional services and out-of-pocket costs associated, Atkinson will
     bill Pinnacle monthly on the 15th day of the month for professional work
     performed and expenses incurred on Pinnacle's behalf during the previous
     month.

     a)   Professional fees for the pre-opening period beginning March 1, 2000
          and ending August 31, 2000, will be $48,000, which will be billed in
          equal installments of $8,000 each month. A long-term relationship for
          public relations services will be negotiated - finalized by August 1,
          2000.

     b)   Atkinson will maintain records of time spent and activities performed
          by staff and, upon request, will provide a detailed breakdown of this
          information.

     c)   Atkinson will bill Pinnacle monthly for out-of-pocket expenses.
          Atkinson will maintain accurate records of all out-of-pocket expenses
          incurred on Pinnacle's behalf. These costs will be billed to Pinnacle
          for reimbursement with no mark-up.

     d)   The monthly bill will include a 5% service fee on all professional
          fees to cover on-line news and research services, media database
          services, miscellaneous office expenses, local phone service and the
          processing of billing and related documents on behalf of clients.

     e)   Atkinson will provide written estimates for projects or activities
          outside the scope of the approved fees and plan. Atkinson will proceed
          with such projects upon receiving written approval from Pinnacle for
          the additional costs.

     f)   Payment for bills will be due within thirty (30) days of the date of
          the statement. A 1-1/2% finance charge will be assessed on account
          balances more than 30 days past due.

<PAGE>

2)   This agreement may be terminated sixty (60) days after either Pinnacle or
     Atkinson provides written notification to the other party. During the
     60-day period, Pinnacle will continue to be liable for fees of $8,000 per
     month and any expenses incurred.

3)   Any confidential information regarding Pinnacle and its operations will be
     kept confidential by Atkinson and its staff.

4)   After media materials have been issued by Atkinson to the news media or to
     another third party, its use is no longer under Atkinson's control.
     Atkinson cannot assure the use of news material by any news organization.
     Similarly, Atkinson cannot control the form or manner of use by the news
     media or others of the material, including, but not limited to, the
     accurate presentation of information supplied by us.

5)   While it is understood that Atkinson will take all prudent care possible in
     the development of media material to be issued, Atkinson cannot undertake
     to verify facts supplied us by Pinnacle. Therefore, Pinnacle agrees to
     indemnify and hold harmless Pinnacle, its employees, officers,
     representatives and agents from and against all losses, claims, damages,
     obligations, expenses or liabilities which Atkinson may incur based on
     information, representations, reports or data Pinnacle furnishes to us.
     This includes reasonable attorneys' fees to the extent that such material
     is furnished, prepared, approved and/or used by Atkinson, and provided that
     Pinnacle has given prior approval to the distribution of such information
     by Atkinson.

6)   Atkinson is guided by the Code of Professional Standards for the practice
     of public relations as adopted by the Public Relations Society of America
     (PRSA).

Atkinson is enthusiastic about this new relationship and confident of our
ability to deliver the results you seek. We look forward to working with you.

Sincerely,

Atkinson Public Relations

 /s/ Sue G. Atkinson
-----------------------------------------------
Sue G. Atkinson, Chairman

APPROVED ON BEHALF OF PINNACLE FINANCIAL CORPORATION:

By:    /s/ M. Terry Turner
       ----------------------------------------
       M. Terry Turner
       President and CEO

Date:    3-16-00<PAGE>

                                  EXHIBIT 4(a)
                        UNITED COMMUNITY FINANCIAL CORP.
                          1999 LONG-TERM INCENTIVE PLAN

                                    SECTION 1
                               PURPOSE OF THE PLAN

 1.1       The purpose of the United Community Financial Corp. 1999 Long-Term
           Incentive Plan is to attract and retain qualified directors,
           directors emeritus and employees and to strengthen the mutuality of
           interests between such directors, directors emeritus and employees
           and the Corporation's shareholders by providing directors, directors
           emeritus and employees with a proprietary interest in pursuing the
           long-term growth, profitability and financial success of the
           Corporation.

                                    SECTION 2
                                   DEFINITIONS

 2.1        Unless the context indicates otherwise, the following terms, when
            used in this Plan, shall have the meanings set forth in this
            Section:

              a)  "AFFILIATE" means (i) a member of a controlled group of
                  corporations of which the Corporation is a member or (ii) an
                  unincorporated trade or business which is under common control
                  with the Corporation as determined in accordance with Section
                  414(c) of the Code, and the regulations issued thereunder. For
                  purposes hereof, a "controlled group of corporations" shall
                  have the meaning set forth in Section 1563(a) of the Code
                  determined without regard to Sections 1563(a)(4) and (e)(3)(c)
                  of the Code.

              b)  "AWARD" means a grant or award under this Plan in the form of
                  an Option, an SAR, Restricted Shares, a Performance Award or
                  any other stock-based incentive award.

              c)  "BOARD" means the Board of Directors of the Corporation.

              d)  "CHANGE OF CONTROL" means an event defined in Section 16 of
                  this Plan.

              e)  "CODE" means the Internal Revenue Code of 1986, as amended,
                  and related Treasury Regulations.

              f)  "COMMITTEE" means any Committee comprised of two or more
                  Outside Directors designated by the Board to administer the
                  Plan in accordance with Section 4 of this Plan.

              g)  "COMMON SHARES" means the common shares, without par value,
                  of the Corporation.

              h)  "CORPORATION" means UCFC.

              i)  "DEFERRED SHARES" means an award made pursuant to Section 11
                  of this Plan of the right to receive Common Shares in lieu of
                  cash thereof at the end of a specified time period.

              j)  "DIRECTOR" means any member of the Board of Directors of the
                  Corporation or the Board of Directors of a Subsidiary.

              k)  "DIRECTOR EMERITUS" means any director emeritus of the
                  Corporation or a Subsidiary.

              l)  "DISABILITY" means permanent and total disability within the
                  meaning of Section 22(e)(3) of the Code.

<PAGE>

              m)  "EFFECTIVE DATE" means the date defined in Section 21.1 of
                  this Plan.

              n)  "EMPLOYEE" means any full-time employee of the Corporation or
                  any of its Subsidiaries (including Directors or Directors
                  Emeritus who are employed on a full-time basis by the
                  Corporation or any of its Subsidiaries).

              o)  "EXCHANGE ACT" means the Securities Exchange Act of 1934, as
                  amended.

              p)  "FAIR MARKET VALUE" of a Common Share on a given date shall be
                  based upon the last sales price or, if unavailable, the
                  average of the closing bid and asked prices of a Common Share
                  on such date (or, if there was no trading or quotation in the
                  Common Shares on such date, on the next preceding date on
                  which there was trading or quotation) if the Common Shares are
                  listed on a national securities exchange or quoted on an
                  interdealer quotation system. If the Common Shares are not
                  listed on a national securities exchange or quoted on an
                  interdealer quotation system, the Fair Market Value of a
                  Common Share shall be determined by the Committee in good
                  faith based upon the best available facts and circumstances at
                  the time.

              q)  "GRANTEE" means a person granted an Award under this Plan.

              r)  "IMMEDIATE FAMILY" means, with respect to a given Grantee,
                  that Grantee's spouse, children or grandchildren (including
                  adopted children or grandchildren).

              s)  "ISO" means an Award that is intended to qualify as an
                  incentive stock option under Section 422 of the Code, as now
                  or hereafter constituted.

              t)  "NON-EMPLOYEE DIRECTOR" means a Director or Director Emeritus
                  of the Corporation or a Subsidiary who is not an Employee nor
                  has been an Employee at any time during the prior one-year
                  period.

              u)  "NQSO" means an Award that is not intended to qualify as an
                  incentive stock option under Section 422 of the Code, as now
                  or hereafter constituted.

              v)  "OPTIONS" refers collectively to NQSOs and ISOs issued under
                  this Plan.

              w)  "OTS" means the Office of Thrift Supervision, Department of
                  the Treasury.

              x)  "OUTSIDE DIRECTOR" means a non-employee Director or Director
                  Emeritus within the meaning of Rule 16b-3(b)(3) under the
                  Exchange Act, or any successor thereto, who is also an
                  "outside director" within the meaning of Section 162(m) of the
                  Code and the regulations thereunder.

              y)  "PERFORMANCE AWARD" means an Award under the Plan, payable in
                  cash, Common Shares, other securities or other awards, which
                  confers on the holder thereof the right to receive payments
                  upon the achievement of certain performance goals during the
                  performance periods established by the Committee.

              z)  "PERMITTED TRANSFEREE" means any individual or entity as
                  defined in Section 18.2 of this Plan.

              aa) "PLAN" means this 1999 Long-Term Incentive Plan as set forth
                  herein and as amended from time to time.

              bb) "RESTRICTED SHARES" means an Award of Common Shares subject to
                  restrictions on transfer and/or any other restrictions on
                  incidents of ownership as the Committee may determine.

              cc) "RETIREMENT" means the retirement of a Grantee between ages 60
                  and 64 with 15 or more years of service to the Corporation or
                  a Subsidiary, or the retirement of a Grantee at or after age
                  65.

<PAGE>

              dd) "RULES" means Rule 16(b)(3) and any successor provisions
                  promulgated by the Securities and Exchange Commission under
                  Section 16 of the Exchange Act.

              ee) "SAR" means an Award constituting the right to receive, upon
                  surrender of the right, but without payment, an amount payable
                  in cash.

              ff) "SUBSIDIARY OR SUBSIDIARIES" means any entity or entities in
                  which the Corporation owns a majority of the voting power.

              gg) "TEN PERCENT SHAREHOLDER" means any Grantee who owns more than
                  10% of the combined voting power of all classes of stock of
                  the Corporation, within the meaning of Section 422 of the
                  Code.

              hh) "TERMINATED FOR CAUSE" means any removal of a Director or
                  discharge of an employee for the personal dishonesty,
                  incompetence, willful misconduct, breach of fiduciary duty
                  involving personal profit, intentional failure to perform
                  stated duties, willful violation of a material provision of
                  any law, rule or regulation (other than traffic violations or
                  similar offenses) or a material violation of a final
                  cease-and-desist order or for any other action of a director
                  or employee which results in a substantial financial loss to
                  the Corporation or a Subsidiary.

                                    SECTION 3
                             TYPES OF AWARDS COVERED

3.1        Awards granted under this Plan may be:

              a)  Options which may be designated as:

                  (i)  NQSOs; or

                  (ii) ISOs;

              b)  SARs;

              c)  Restricted Shares;

              d)  Performance Awards; or

              e)  other forms of stock-based incentive awards.

                                    SECTION 4
                                 ADMINISTRATION

4.1        This Plan shall be administered by the Committee. The members of the
           Committee shall be appointed from time to time by the Board. Members
           of the Committee shall serve at the pleasure of the Board, and the
           Board may from time to time remove members from, or add members to,
           the Committee. Subject to the provisions of this Plan and applicable
           law, the Committee shall have full discretion and the exclusive
           power:

              a)  to select the Employees, Directors and Directors Emeritus who
                  will participate in the Plan and to make Awards to such
                  Employees and Directors;

              b)  to determine the times at which Awards shall be granted and
                  any terms and conditions with respect to Awards as shall not
                  be inconsistent with the provisions of this Plan; and

              c)  to resolve all questions relating to the administration of
                  this Plan and applicable law.

<PAGE>

4.2        The interpretation of, and application by, the Committee of any
           provision of this Plan shall be final and conclusive. The Committee,
           in its sole discretion, may establish rules and guidelines relating
           to this Plan as it may deem appropriate.

4.3        A majority of the members of the Committee shall constitute a quorum
           for the transaction of business. An action in writing by all members
           of the Committee then serving shall be fully as effective as if the
           action had been taken by unanimous vote at a meeting duly called and
           held.

4.3        The Committee may employ such legal counsel, consultants, and agents
           as it may deem desirable for the administration of this Plan and may
           rely upon any opinion received from any retained counsel or
           consultant and any computation received from any retained consultant
           or agent. The Committee shall keep minutes of its actions under this
           Plan.

4.4        No member of the Board or the Committee shall be liable for any
           action or determination made in good faith with respect to this Plan
           or any Awards. If a member of the Board or of the Committee is a
           party or is threatened to be made a party to any threatened, pending
           or completed action, suit or proceeding, whether civil, criminal,
           administrative or investigative, by reason of anything done or not
           done by such member in such capacity under or with respect to this
           Plan, the Corporation shall indemnify such member against expenses
           (including attorneys' fees), judgments, fines and amounts paid in
           settlement actually and reasonably incurred by such member in
           connection with such action, suit or proceeding if such member acted
           in good faith and in a manner such member reasonably believed to be
           in or not opposed to the best interests of the Corporation and its
           Subsidiaries and, with respect to any criminal action or proceeding,
           had no reasonable cause to believe such member's conduct was
           unlawful.

                                    SECTION 5
                                   ELIGIBILITY

5.1        The individuals who shall be eligible to participate in this Plan
           shall be Directors, Directors Emeritus, officers, management, and
           such other key Employees of the Corporation and the Subsidiaries as
           the Committee may from time to time determine.

                                    SECTION 6
                       SHARES OF STOCK SUBJECT TO THE PLAN

6.1        Awards may be granted with respect to the Common Shares.

6.2        Shares delivered upon exercise of an Award, at the election of the
           Board, may be Common Shares that are authorized but previously
           unissued, or Common Shares reacquired by the Corporation, or both.

6.3        The maximum number of Common Shares that may be issued pursuant to
           Awards granted under this Plan, subject to adjustment as provided in
           Section 17 of this Plan, shall be 3,471,562 Common Shares. For the
           purpose of computing the total number of Common Shares available for
           Awards under this Plan, there shall be counted against the foregoing
           limitation the number of Common Shares subject to issuance upon
           exercise of Awards as of the dates on which such Awards are granted.
           If any Awards are forfeited, terminated or exchanged for other
           Awards, or expire unexercised, the Common Shares which were
           theretofore subject to such Awards shall again be available for
           Awards under this Plan to the extent of such forfeiture, termination
           or expiration of such Awards.

6.4        Notwithstanding any other provision of this Plan to the contrary,
           subject to adjustment as provided in Section 17 of this Plan, the
           maximum number of Common Shares that may be issued to any individual
           during the term of this Plan pursuant to Options granted under this
           Plan shall be 25% of the number of Common Shares that may be issued
           pursuant to this Plan.

<PAGE>

6.5        Any Common Shares subject to an Award which, for any reason, expires
           or is terminated unexercised, shall again be available for the grant
           of other Awards under this Plan; provided, however, that forfeited
           shares or other securities shall not be available for further Awards
           if the Grantee has realized any benefits of ownership from such
           shares.

                                    SECTION 7
                                  STOCK OPTIONS

7.1        The Committee may grant Options, as follows, which shall be evidenced
           by a stock option agreement and may be designated as NQSOs or ISOs:

         a)     NQSOs

                (i)   A NQSO is a right to purchase a specified number of Common
                      Shares during a period determined by the Committee, not to
                      exceed ten years, at a price determined by the Committee
                      that is not less than the Fair Market Value of the Common
                      Shares on the date the Option is granted.

                (ii)  The exercise price of the NQSO may be paid in cash. At the
                      discretion of the Committee, the exercise price may also
                      be paid by the tender of Common Shares to the Corporation
                      or through a combination of Common Shares and cash or
                      through such other means as the Committee determines are
                      consistent with the purpose of this Plan and applicable
                      law. No fractional Common Shares will be issued or
                      accepted by the Corporation.

                (iii) No NQSO may be exercised more than ten years after the
                      date the NQSO is granted.

                (iv)  The Committee may permit the person exercising the NQSO,
                      either on a selective or an aggregate basis, to
                      simultaneously exercise the NQSO and sell the Common
                      Shares acquired, pursuant to a brokerage or similar
                      arrangement approved in advance by the Committee, and use
                      the proceeds from the sale as payment of the exercise
                      price of the NQSO.

         (b)    ISOs

                (i)   No ISO may be granted under this Plan to a Non-Employee
                      Director.

                (ii)  To the extent the aggregate Fair Market Value (determined
                      at the time of the grant of the Award) of the number of
                      Common Shares with respect to which ISOs are exercisable
                      under all plans of the Corporation or a Subsidiary for the
                      first time by a Grantee during any calendar year exceeds
                      $100,000, or such other limit as may be required by the
                      Code, such ISOs shall be treated as NQSOs to the extent of
                      such excess.

                (iii) No ISO may be exercisable more than:

                      A)   ten years after the date the ISO is granted in the
                           case of a Grantee who is not a Ten Percent
                           Shareholder on the date the ISO is granted;
                           and

                      B)   five years after the date the ISO is granted in the
                           case of a Grantee who is a Ten Percent Shareholder
                           on the date the ISO is granted.

                (iv)  The exercise price of any ISO shall be determined by the
                      Committee and shall not be less than:

<PAGE>

                      A)   the Fair Market Value of the Common Shares subject
                           to the ISO on the date of grant in the case of a
                           Grantee who is not a Ten Percent Shareholder on
                           the date the ISO is granted; and

                      B)   110 percent of the Fair Market Value of the Common
                           Shares subject to the ISO on the date of grant in the
                           case of a Grantee who is a Ten Percent Shareholder on
                           the date the ISO is granted.

                (v)   The Committee may provide that the exercise price under an
                      ISO may be paid by one or more of the methods available
                      for paying the exercise price of an NQSO under Section
                      7.1(a)(iv) of this Plan.

                                    SECTION 8
                            STOCK APPRECIATION RIGHTS

8.1        The amount payable with respect to each SAR shall be equal in value
           to the applicable percentage of the excess, if any, of the Fair
           Market Value of a Common Share on the exercise date over the exercise
           price of the SAR. The exercise price of the SAR shall be determined
           by the Committee and shall not be less than the Fair Market Value of
           a Common Share on the date the SAR is granted. SARs may be granted in
           tandem with an Option in which event the Grantee has the right to
           elect to exercise either the SAR or the Option. Upon the election to
           exercise one of these Awards, the other Award is subsequently
           terminated. An SAR may also be granted as an independent Award.

8.2        In the case of an SAR granted in tandem with an ISO to an Employee
           who is a Ten Percent Shareholder on the date of such grant, the
           amount payable with respect to each SAR shall be equal in value to
           the applicable percentage of the excess, if any, of the Fair Market
           Value of a Common Share on the exercise date over the exercise price
           of the SAR, which exercise price shall not be less than 110 percent
           of the Fair Market Value of a Common Share on the date the SAR is
           granted.

8.3        The applicable percentage, exercise price and exercise period of a
           SAR shall be established by the Committee at the time the SAR is
           granted.

                                    SECTION 9
                                RESTRICTED STOCK

9.1        Restricted Shares are Common Shares that are issued to a Grantee at a
           price determined by the Committee, which price may be zero, and is
           subject to restrictions on transfer and/or such other restrictions on
           incidents of ownership as the Committee may determine.

9.2        The Committee shall specify in the restricted share award agreement
           the terms upon which Restricted Shares shall vest; provided, however
           that the Grantee continues to be employed by the Corporation on the
           vesting date.

9.3        The Committee may, in its discretion, provide for accelerated vesting
           of Restricted Shares upon the achievement of specified performance
           goals to be determined by the Committee.

9.4        A Grantee may make the election under Section 83(b) of the Code.

                                   SECTION 10
                               PERFORMANCE AWARDS

10.1       A Performance Award granted under this Plan:

<PAGE>

              a)  may be denominated or payable in cash, Common Shares,
                  Restricted Shares, other securities or other Awards; and

              b)  shall confer on the holder thereof the right to receive
                  payments, in whole or in part, upon the achievement of such
                  performance goals during such performance periods as the
                  Committee shall establish.

10.2       Subject to the terms of this Plan and any applicable Award agreement,
           the performance goals to be achieved during any performance period,
           the length of any performance period, the amount of any Performance
           Award granted and the amount of any payment or transfer to be made
           pursuant to any Performance Award shall be determined by the
           Committee.

                                   SECTION 11
                       OTHER STOCK-BASED INCENTIVE AWARDS

11.1       The Committee may from time to time grant Awards under this Plan that
           provide a Grantee the right to purchase Common Shares or units that
           are valued by reference to the Fair Market Value of the Common Shares
           (including, but not limited to, phantom securities or dividend
           equivalents) or to receive Deferred Shares. Such Awards shall be in a
           form determined by the Committee (and may include terms contingent
           upon a Change of Control); provided that such Awards shall not be
           inconsistent with the terms and purposes of this Plan.

                                   SECTION 12
                               EXERCISE OF OPTIONS

12.1       The Committee may provide for the exercise of Options in installments
           and upon such terms, conditions and restrictions as it may determine
           subject to applicable law and the other requirements of this Plan.

12.2       Except in the event of the death, Disability or Retirement of a
           Grantee, upon the resignation or removal from the board of directors
           of any Grantee who is a Director or upon the termination of
           employment of a Grantee who is not a Director, any Option which has
           not yet become exercisable shall thereupon terminate and be of no
           further force or effect, and, unless the Committee shall specifically
           state otherwise at the time an Option is granted, any Option which
           has become exercisable shall terminate if it is not exercised within
           three months of such resignation, removal or termination of
           employment or directorship.

12.3       Unless the Committee shall specifically state otherwise at the time
           an Option is granted, in the event the employment or the directorship
           of a Grantee is Terminated for Cause, any Option that has not been
           exercised shall thereupon terminate and be of no further force or
           effect.

12.4       An Option granted hereunder shall be exercisable, in whole or in
           part, only by written notice delivered in person or by mail to the
           Secretary of the Corporation at its principal office, specifying the
           number of Common Shares to be purchased and accompanied by payment
           thereof and otherwise in accordance with the stock option award
           agreement pursuant to which the Option was granted.

                                   SECTION 13
               RIGHTS IN EVENT OF DEATH, DISABILITY OR RETIREMENT

13.1       If a Grantee dies, becomes subject to a Disability or enters
           Retirement prior to termination of his or her right to exercise an
           Option in accordance with the provisions of his or her stock option
           award agreement without having totally exercised the Option, the
           stock option award agreement may provide that the

<PAGE>

           Option shall become exercisable in full on the date of the Grantee's
           death, Disability or Retirement, (i) in the event of the Grantee's
           death, by the Grantee's estate or by the person who acquired the
           right to exercise the Option by bequest or inheritance (ii) in the
           event of the Grantee's Disability, by the Grantee or his or her
           personal representative or (iii) in the event of a Grantee's
           Retirement, by the Grantee.

13.2       In the event of the Grantee's death, Disability or Retirement the
           Option, if it has become exercisable in full, shall not be
           exercisable after the date of its expiration or more than twelve
           months from the date of the Grantee's death, Disability or
           Retirement, whichever first occurs.

13.3       The date of Disability of a Grantee shall be determined by the
           Committee.

                                   SECTION 14
                                AWARD AGREEMENTS

14.1       Each Award granted under this Plan shall be evidenced by an award
           agreement, as the Committee may deem appropriate, between the Grantee
           to whom the Award is granted and the Corporation, setting forth the
           number of Common Shares, SARs, or units subject to the Award and such
           other terms and conditions applicable to the Award not inconsistent
           with this Plan.

14.2       The award agreement for an Option shall also be referred to as a
           stock option award agreement.

                                   SECTION 15
                                 TAX WITHHOLDING

15.1       The Committee may establish such rules and procedures as it considers
           desirable in order to satisfy any obligation of the Corporation to
           withhold federal income taxes or other taxes with respect to any
           Award made under this Plan. Such rules and procedures may provide:

              a)  in the case of Awards paid in Common Shares, the Corporation
                  may withhold Common Shares otherwise issuable upon exercise of
                  such Award in order to satisfy withholding obligations, unless
                  otherwise instructed by the Grantee or unless the Committee
                  determines otherwise at the time of Grant; and

              b)  in the case of an Award paid in cash, that the withholding
                  obligation shall be satisfied by withholding the applicable
                  amount and paying the net amount in cash to the Grantee;
                  provided that the requirements of the Rules, to the extent
                  applicable, must be satisfied with regard to any withholding
                  pursuant to clause (a).

                                   SECTION 16
                                CHANGE OF CONTROL

16.1       For the purpose of this Plan, a "Change of Control" of the
           Corporation means a change of control of a nature that:

              (i)  would be required to be reported in response to Item 1(a) of
                   the current report on Form 8-K, as in effect on the date
                   hereof, pursuant to Section 13 or 15(d) of the Exchange Act;
                   or

              (ii) results in a Change of Control of the Corporation within the
                   meaning of the Home Owners' Loan Act of 1933, as amended, and
                   the Rules and Regulations promulgated by the OTS, as in
                   effect on the Effective Date (provided, that in applying the
                   definition of change of control as set forth under the rules
                   and regulations of the OTS, the Board shall substitute its
                   judgment for that of the OTS); or

<PAGE>

             (iii) without limitation, such a Change of Control shall be deemed
                   to have occurred at such time as;

                      (a)  any "person" (as the term is used in Sections 13(d)
                           and 14(d) of the Exchange Act) is or becomes the
                           "beneficial owner" (as defined in Rule 13d-3 under
                           the Exchange Act), directly or indirectly, of
                           securities of the Corporation representing 20% or
                           more of the Corporation's outstanding securities
                           ordinarily having the right to vote at the election
                           of directors;

                      (b)  individuals who constitute the Board on the date
                           hereof (the "Incumbent Board") cease for any reason
                           to constitute at least a majority thereof, provided
                           that any person becoming a director subsequent to the
                           date hereof whose election was approved by a vote of
                           a least 75% of the directors comprising the Incumbent
                           Board, or whose nomination for election by the
                           Corporation's shareholders was approved by the same
                           Nominating Committee serving under an Incumbent Board
                           shall be, for purposes of this clause (b), considered
                           as though he were a member of the Incumbent Board;

                      (c)  a plan of reorganization, merger, consolidation, sale
                           of all or substantially all the assets of the
                           Corporation or similar transaction occurs in which
                           the Corporation is not the resulting entity or;

                      (d)  the approval by shareholders of a proxy statement
                           proposal soliciting proxies from shareholders of the
                           Corporation, by someone other than the current
                           management of the Corporation; seeking shareholder
                           approval of a plan of reorganization, merger or
                           consolidation of the Corporation or similar
                           transaction with one or more corporations as a result
                           of which the outstanding shares of the class of
                           securities then subject to the plan or transaction
                           are exchanged for or converted into cash or property
                           or securities not issued by the Corporation; or

                      (e)  a tender offer is made and completed for 20% or more
                           of the voting securities of the Corporation.

16.2       In the event of a Change of Control affecting the Corporation, then,
           notwithstanding any provision of this Plan or of any provisions of
           any Award agreements entered into between the Corporation and any
           Grantee to the contrary, all Awards that have not expired and which
           are then held by any Grantee (or the person or persons to whom any
           deceased Grantee's rights have been transferred) shall, as of such
           Change of Control, become fully and immediately vested and
           exercisable and may be exercised for the remaining term of such
           Awards; provided, however, that in the event that any exercise or
           receipt of an Award in connection with a Change of Control alone, or
           in the aggregate with other payments to a Grantee, would result in
           the imposition of a penalty tax pursuant to Section 280G of the Code,
           such exercise or receipt would remain subject to any vesting schedule
           set forth in an Award.

                                   SECTION 17
                          DILUTION OR OTHER ADJUSTMENT

17.1       If the Corporation is a party to any merger or consolidation, or
           undergoes any merger, consolidation, separation, reorganization,
           liquidation or the like, the Committee shall have the power to make
           arrangements, which shall be binding upon the holders of unexpired
           Awards, for the substitution of new Awards for, or the assumption by
           another corporation of, any unexpired Awards then outstanding
           hereunder.

17.2       In the event of any change in capitalization affecting the Common
           Shares, such as a stock split, stock dividend, recapitalization,
           merger, consolidation, spin-off, split-up, combination or exchange of
           shares or other form of reorganization, or any other change affecting
           the Common Shares, including a distribution

<PAGE>

           (other than normal cash dividends) of Corporation assets to
           shareholders, the Committee shall conclusively determine the
           appropriate adjustment in the option prices of outstanding Options,
           and the number and kind of shares or other securities as to which
           outstanding Awards shall be exercisable, and the aggregate number of
           shares with respect to which Awards may be granted.

17.3       The existence of this Plan and the Options granted hereunder shall
           not affect or restrict in any way the right or power of the Board or
           the shareholders of the Corporation to make or authorize the
           following: any adjustment, recapitalization, reorganization or other
           change in the Corporation's capital structure or its business; any
           merger, acquisition or consolidation of the Corporation; any issuance
           of bonds, debentures, preferred or prior preference stocks ahead of
           or affecting the Corporation's capital stock or the rights thereof;
           the dissolution or liquidation of the Corporation or any sale or
           transfer of all or any part of its assets or business; or any other
           corporate act or proceeding, including any merger or acquisition
           which would result in the exchange of cash, stock of another company
           or options to purchase the stock of another company for any Option
           outstanding at the time of such corporate transaction or which would
           involve the termination of all Options outstanding at the time of
           such corporation transaction.

                                   SECTION 18
                                 TRANSFERABILITY

18.1       Except as set forth in Section 18.2 of this Plan, no Award shall be
           sold, pledged, assigned, transferred, or encumbered by a Grantee
           other than by will or by the laws of descent and distribution.

18.2       Only an NQSO may be pledged, assigned, or transferred by a Grantee to
           another individual provided that the NQSO is pledged, assigned, or
           transferred without consideration by a Grantee, subject to such rules
           as the Committee may adopt, to (i) a member of the Grantee's
           immediate family, (ii) a trust solely for the benefit of the Grantee
           and his or her immediate family or (iii) a partnership or limited
           liability company whose only partners or members are the Grantee and
           his or her Immediate Family (hereinafter referred to as the Permitted
           Transferee); provided that the Committee is notified in advance in
           writing of the terms and conditions of any proposed pledge,
           assignment or transfer and the Committee determines that such pledge,
           assignment or transfer complies with the requirements of this Plan
           and the applicable Award agreement.

18.3       Any pledge, assignment or transfer of an Award that does not comply
           with the provisions of this Plan and the applicable Award agreement
           shall be void and unenforceable against the Corporation.

18.4       All terms and conditions of a pledged, assigned or transferred Award
           shall apply to the beneficiary, executor, administrator, and
           Permitted Transferee, whether one or more, of the Grantee (including
           the beneficiary, executor and administrator of a permitted
           transferee), including the right to amend the applicable Award
           agreement; PROVIDED that the permitted transferee shall not pledge,
           assign or transfer an Award other than by will or by the laws of
           descent and distribution.

                                   SECTION 19
                     AMENDMENT, TERMINATION OR MODIFICATION

19.1       Without further approval of the shareholders of the Corporation, the
           Board may at any time terminate this Plan, or may amend it from time
           to time in such respects as the Board may deem advisable, except that
           the Board may not, without approval of the shareholders, make any
           amendment which would (i) increase the aggregate number of Common
           Shares that may be issued under this Plan, except for adjustments
           pursuant to Section 17 of this Plan, (ii) materially modify the
           requirements as to eligibility for participation in this Plan, or
           (iii) materially increase the benefits accruing under this Plan. The
           above notwithstanding, the Board may amend this Plan to take into
           account changes in applicable securities, federal income tax and
           other applicable laws.

<PAGE>

19.2       The Board may authorize the Committee to direct the execution of an
           instrument providing for the modification of any outstanding Option
           which the Board believes to be in the best interests of the
           Corporation; provided, however, that no such modification, extension
           or renewal shall confer on the holder of such Option any right or
           benefit which could not be conferred on him by the grant of a new
           Option at such time and shall not materially decrease the holder's
           benefits under the Option without the consent of the holder of the
           Option, except as otherwise permitted under this Plan.

                                   SECTION 20
                               GENERAL PROVISIONS

20.1       No Awards may be exercised by a Grantee if such exercise, and the
           receipt of cash or stock thereunder, would be, in the opinion of
           counsel selected by the Corporation, contrary to law or the
           regulations of any duly constituted authority having jurisdiction
           over this Plan.

20.2       A bona fide leave of absence approved by a duly constituted officer
           of the Corporation shall not be considered interruption or
           termination of service of any Grantee for any purposes of this Plan
           or Awards granted thereunder, except that no Awards may be granted to
           an Employee while he or she is on a bona fide leave of absence.

20.3       No Grantee shall have any rights as a shareholder with respect to any
           shares subject to Awards granted to him or her under this Plan prior
           to the date as of which he or she is actually recorded as the holder
           of such shares upon the stock records of the Corporation.

20.4       Nothing contained in this Plan or in an Award agreement granted
           thereunder shall confer upon any Grantee any right to (i) continue in
           the employ of the Corporation or any of its Subsidiaries or continue
           serving on the Board or (ii) interfere in any way with the right of
           the Corporation or any of its Subsidiaries to terminate the Grantee's
           employment at any time or service on the Board.

20.5       Any Award agreement may provide that shares issued upon exercise of
           any Awards may be subject to such restrictions, including, without
           limitation, restrictions as to transferability and restrictions
           constituting substantial risks of forfeiture as the Committee may
           determine at the time such Award is granted.

                                   SECTION 21
                               PLAN EFFECTIVE DATE

21.1       This Plan shall become effective on the date of its adoption by the
           Board subject to approval of this Plan by the shareholders of the
           Corporation within twelve (12) months after the date of this Plan's
           adoption by the Board (the "Effective Date"). In the event of the
           failure to obtain such shareholder approval, this Plan and any Awards
           granted thereunder, shall be null and void and the Corporation shall
           have no liability thereunder.

21.2       No Award granted under this Plan shall be exercisable until such
           shareholder approval has been obtained.

                                   SECTION 22
                                PLAN TERMINATION

22.1       No Award may be granted under this Plan on or after the date which is
           ten years following the effective date specified in Section 21, but
           Awards previously granted may be exercised in accordance with their
           terms.

<PAGE>

                                   SECTION 23
                                  GOVERNING LAW

23.1       This Plan and all actions taken hereunder shall be governed by and
           construed in accordance with the laws of the State of Ohio, except to
           the extent federal law shall be deemed applicable.

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00010-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00010-of-00352.parquet"}]]