Document:

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                                                                   EXHIBIT 10.24

                               LEASE AMENDMENT IV

     The parties to this Amendment are Westlake Center Associates Limited
Partnership, a Washington limited partnership, hereinafter called "Lessor", and
PRIMUS KNOWLEDGE SOLUTIONS, INC. formerly doing business as PRIMUS
COMMUNICATIONS, formerly known as SYMBOLOGIC CORPORATION hereinafter called
"Lessee."

     Whereas the parties hereto have heretofore entered into a Lease executed
under the date of July 28, 1995, in and to 8,065 square feet on the Eighteenth
Floor and 16,660 square feet on the Nineteenth Floor, for a combined total of
24,725 square feet, known as Suite 1900, and further amended by a Lease
Amendment executed under the date of January 27, 1999 in and to 11,686 square
feet on the Eighteenth Floor and 16,660 square feet on the Nineteenth Floor, for
a combined total of 28,346 square feet, known as Suite 1900 and further amended
by a Lease Amendment executed under the date of February 11, 2000 in and to
16,660 square feet on the Eighteenth Floor, 16,660 square feet on the Nineteenth
Floor and 16,430 square feet on the Tenth Floor, for a combined total of 49,750
square feet, known as Suite 1900, and further amended by a Lease Amendment
executed under the date of May 31, 2000 in and to 1,285 square feet on the
Eleventh Floor, 16,660 square feet on the Eighteenth Floor, 16,660 square feet
on the Nineteenth Floor and 16,430 square feet on the Tenth Floor, for a
combined total of 51,035 square feet, known as Suite 1900 the following
described premises in the City of Seattle, County of King, State of Washington,
to wit:

         Lots 1, 2, 3, 7, 8, 9, 10, 11 and 12, Block 1, ADDITION TO THE
         TOWN OF SEATTLE as laid off by the Heirs of SARAH A. BELL,
         deceased (commonly known as Heirs of SARAH A. BELL'S ADDITION TO
         THE CITY OF SEATTLE) according to the plat recorded in Volume 1 of
         Plats, page 103, in King County, Washington;

         EXCEPT the Southwesterly 12 feet of said Lots 1, 2 and 3 condemned
         by the City of Seattle in King County Superior Court Cause No.
         52280, for the widening of Fourth Avenue, as provided by Ordinance
         13776 of said City; and

         EXCEPT the Southeasterly 7 feet of said Lots 1 and 12 condemned by
         the City of Seattle, in King County Superior Court Cause No. 57057
         for the widening of Pine Street as provided by Ordinance 14500 of
         said City;

         TOGETHER WITH all of the vacated alley lying within said Block 1.
         The Property is generally bounded by Fifth Street on the east,
         Pine Street on the south, Fourth Avenue on the west, and Olive Way
         on the north.

     Whereas the parties desire to reduce the Lessee's Premises for a combined
total reduction of 17,715 rentable square feet of said Lease. Now, therefore,
for good and valuable consideration, the receipt and adequacy of which is hereby
acknowledged, the parties do hereby agree to amend the Lease as it pertains to
the aforementioned reduction, effective January 1, 2002, as follows:

     1.  Section  1(b),  Premises,  is amended to show that the square  footage
         of the  Premises  has been  revised from 51,035 S.F. to 33,320 S.F.
         Therefore, Section 1(b), Premises, is amended to read as follows:

         "Premises: Consisting of 16,660 square feet of Net Rentable Area on the
         Eighteenth (18/th/) Floor, and 16,660 square feet of Net Rentable Area
         on the Nineteenth (19/th/) Floor, for a combined total of 33,320 square
         feet of Net Rentable Area of the building.

     2.  Section 1(c), Floor Areas, is amended to show that the agreed Net
         Rentable Area of the Premises has been revised from 51,035 square feet
         to 33,320 square feet. Therefore, Section 1(c) is amended to read as
         follows:

         "The agreed Net Rentable Area of the Premises is 33,320 square feet and
         of the building is 335,850 square feet.

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3.   Section 1(j), Exhibits, is amended to include the attached Exhibit A-4,
                   --------
     Tenant Improvements for the 33,320 square feet of Lessee's space on the
     18/th/ and 19/th/ Floors. Lessor shall provide said space in its "As Is"
     condition. Any Tenant Improvements to Lessee's space shall be the sole
     expense of Lessee.

4.   Section 1(j), Exhibits, is amended to delete Exhibits C, C-1, C-2, and C-3
                   --------
     to be replaced by C-4, The Premises.

5.   Attachment II, Special Provision #2, Monthly Rent, shall be amended to
                                          ------------
     reflect the reduction of the Net Rentable Area from 51,035 square feet to
     33,320 square feet. Therefore, the rental rate structure in Attachment II,
     Special Provision #2, of the Lease Agreement, shall be adjusted to reflect
     reductions to the Net Rentable Area and Monthly Rent as of the January 1,
     2002 effective date as follows:

<TABLE>
<CAPTION>
                                    Square Feet    Basic Annual   Basic
     Period                Floor    of NRA         Rental Rate    Monthly Rent
     ------                -----    ------         -----------    ------------
     <S>                   <C>      <C>            <C>            <C>
     01/01/02 - 10/31/02   18       16,660         $33.00         $45,815.00
     01/01/02 - 10/31/02   19       16,660         $33.00         $45,815.00
     TOTAL:                         33,320                        $91,630.00

                                    Square Feet    Basic Annual   Basic
     Period                Floor    of NRA         Rental Rate    Monthly Rent
     ------                -----    ------         -----------    ------------

     11/01/02 - 10/31/03   18       16,660         $34.00         $47,203.33
     11/01/02 - 10/31/03   19       16,660         $34.00         $47,203.33
     TOTAL:                         33,320                        $94,406.66

                                    Square Feet    Basic Annual   Basic
     Period                Floor    of NRA         Rental Rate    Monthly Rent
     ------                -----    ------         ----------     ------------

     11/01/03 - 10/31/05   18       16,660         $35.00         $48,591.67
     11/01/03 - 10/31/05   19       16,660         $35.00         $48,591.67
     TOTAL:                         33,320                        $97,183.34
</TABLE>

6.   Attachment II, Special Provision #6, Parking, is hereby amended to
     reflect the reduction in Net Rentable Area of the Premises and to
     show that Lessee's option to enter into parking contracts is
     therefore reduced. Lessee shall have the option to enter into
     parking contracts for up to twenty-eight (28) parking contracts.
     Said contracts shall be available on January 1, 2002 as follows:

              Date                          Parking Contracts Available
              ----                          ---------------------------

              January 1, 2002               Twenty-eight (28)

     Lessee may use these parking contracts throughout the term of the Lease at
     the prevailing rate charged by the operator of the garage plus all
     applicable Washington State and local taxes.

7.   In recognition of the fact that this negotiated Lease Amendment is pursuant
     to Special Provision number 5, Early Termination, Lessee shall pay Lessor a
     cash termination penalty in the negotiated amount of $120,000. Said payment
     shall be due and payable on the effective date of the space reduction,
     which is January 1, 2002.

                                       2

<PAGE>

Except as herein amended, said Lease shall remain in full force and effect in
accordance with all of its terms and provisions.

     IN WITNESS HEREOF, the parties have hereinto set their hands and seals this
13/th/ day of December, 2001.

LESSOR:                                   LESSEE:

WESTLAKE CENTER ASSOCIATES                PRIMUS KNOWLEDGE SOLUTIONS,
LIMITED PARTNERSHIP                       INC.

By:      /s/ J. Patrick Done              By:        /s/ Ron Stevens

 Its:    VP / Grp Dir.                     Its:      CFO

By:      ________________________

 Its:    ________________________

                                       3

<PAGE>

                            ACKNOWLEDGMENT OF LESSOR

STATE OF Nevada )
                                 ) ss.
COUNTY OF Clark )

     On this 13th day of December , 2001, before me, the undersigned, a Notary
Public in and for the State of Nevada, duly commissioned and sworn, personally
appeared J. Patrick Done, to me known to be the Vice President / Group Director,
that executed the within and foregoing instrument, and acknowledged said
instrument to be the free and voluntary act and deed of said partnership, for
the uses and purposes therein mentioned and on oath stated that he/she was
authorized to execute said instrument.

     WITNESS my hand and official seal hereto affixed the day and year in this
certificate above written.

                                       /s/ Sharon K. Walker
                                       Notary Public in and for the State of
             (Notary Seal)             Nevada residing at 10000 W. Charleston,
                                       Las Vegas
                                       My commission expires July 31, 2002
                                       Print Name Sharon K. Walker

                            ACKNOWLEDGMENT OF LESSEE

(Corporate)

STATE OF WASHINGTON)
                                 ) ss.
COUNTY OF KING)

   On this 4 day of December, 2001, before me personally appeared Ronald Stevens
and ______________________________ to me known to be the CFO and
______________________________, respectively, of the corporation that executed
the within and foregoing lease, and acknowledged the said instrument to be the
free and voluntary act and deed of said corporation, for the uses and purposes
therein mentioned, and on oath stated that they were authorized to execute said
instrument and that the seal affixed is the corporate seal of said corporation.

     IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official
seal the day and year first above written.

                                       /s/ Christy L. Porter
                                       Notary Public in and for the State of
             (Notary Seal)             Washington residing at Seattle, WA
                                       My commission expires 04-06-05
                                       Print Name Christy l. Porter

                                       4

<PAGE>

                                   EXHIBIT A-4
                               TENANT IMPROVEMENTS

TENANT IMPROVEMENTS TO BE PROVIDED AT LESSOR'S COST
---------------------------------------------------

Lessee hereby accepts the Premises in its "As-is" condition and does further
warrant that Lessor has made no representations that any improvements whatsoever
other than what presently exists will be made to the Premises. Any improvements
to the Premises shall be at Lessee's sole cost and expense

<PAGE>

                                   EXHIBIT C-4
                                  THE PREMISES

                                     [PLAN]Exhibit 10.11.2

                             STILWELL FINANCIAL INC.
                          EMPLOYEE STOCK PURCHASE PLAN
               (Amended and Restated Effective November 16, 2001)
      (To apply to offerings other than the first offering under the Plan)

                                   1. Purpose

The purpose of this Employee Stock Purchase Plan is to encourage and enable
Eligible Employees of Stilwell Financial Inc. ("Stilwell") and certain of its
Subsidiaries and Affiliates to acquire proprietary interests in Stilwell through
the ownership of Common Stock in order to establish a closer identification of
their interests with those of Stilwell by providing them with a more direct
means of participating in its growth and earnings which, in turn, will provide
motivation for participating Employees to remain in the employ of and to give
greater effort on behalf of the Stilwell Group.

                                 2. Definitions

          The  following  words  or  terms,  when  used  herein,  shall have the
following respective meanings:

     (a)  "Account" or "Account  Balance"  shall mean and refer to the aggregate
amount of payroll deductions  accumulated with respect to an Employee during the
Purchase  Period for an offering for the purpose of purchasing  Shares under the
Plan.

     (b)  "Active  Service"  shall mean and refer to the state of being paid for
services performed or paid while absent for sickness, vacation, holidays or paid
leave of absence, but shall not include termination or severance payments.

     (c)  "Aggregate  Purchase Price" shall mean the amount which represents the
percentage  of the  Employee's  Base Pay as  designated  by an  Employee  on the
election form  submitted by the Employee in accordance  with Paragraph 6 for the
purchase of Shares pursuant to an offering made under this Plan.

     (d)  "Base  Pay"  shall  mean  and  refer  to  annual  base  rate of pay as
determined  from the payroll  records on such date as shall be designated by the
Board of  Directors or the  Committee  for any offering of Stock made under this
Plan. Base Pay includes gross straight time,  sick pay,  vacation pay or holiday
pay, as the case may be, before any payroll  deductions,  but excludes overtime,
commissions and bonuses.

     (e)  "Board" or "Board of  Directors"  shall mean the board of directors of
Stilwell.

     (f)  "Committee" or "The  Committee"  shall mean and refer to the Committee
appointed by the Board of Directors to administer this Plan.

<PAGE>

     (g)  "Date  of  Grant"  shall  mean  the date  designated  by the  Board of
Directors or the Committee as the date Options are granted to Eligible Employees
pursuant to an offering made under this Plan.

     (h)  "Eligible  Employee"  or  "Employee"  shall mean and refer to a person
regularly employed by Stilwell or those of its Subsidiary or Affiliated Entities
designated  by the Board of Directors or the  Committee on such date as shall be
designated  by the Board of Directors or the Committee for any offering of Stock
made  pursuant  to  this  Plan;  provided,   however,  persons  whose  customary
employment  is for only 20 hours  or less  per  week or for not more  than  five
months in any calendar year shall not be an "Employee" or an "Eligible Employee"
as those terms are used herein.

     (i)  "Fair  Market  Value" shall mean and refer to the mean of the high and
low sales prices for Stilwell Shares traded on the New York Stock Exchange.

     (j)  "Maximum  Aggregate Purchase Price" shall mean the amount that results
from  applying  the maximum  percentage  to an  Employee's  Base Pay as shall be
specified by the Board of Directors or the Committee for any offering made under
this Plan.

     (k)  "Maximum  Per Share  Price" shall mean 85% of the Fair Market Value on
the Date of Grant  designated  by the Board of Directors or the Committee for an
offering  made under this Plan,  or if no Shares were traded on that day, on the
last day prior thereto on which Shares were traded.

     (l)  "Option"  or  "Options"  shall  mean and  refer to the right or rights
granted to Eligible  Employees to purchase  Stock  pursuant to an offering  made
under this Plan.

     (m)  "Outstanding  Election" shall mean an election to purchase Stock in an
offering  under the Plan,  or that part of such an election,  which has not been
canceled   (including   voluntary   cancellation  by  the  Employee  and  deemed
cancellations  under Paragraphs 14 and 15) prior to the close of business on the
last business day of the Purchase Period.

     (n)  "Plan" or "The Plan"  shall  mean and refer to this  Stilwell Employee
Stock Purchase Plan.

     (o)  "Purchase  Period"  shall  mean and refer to the period  during  which
installment  payments  shall be made to purchase  Stock  pursuant to an offering
made under this Plan.

     (p)  "Shares," "Stock" or "Common  Stock" shall mean and refer to shares of
$0.01  par  value  common  stock  of  Stilwell,  which it is  authorized  by its
Certificate of Incorporation to issue.

     (q)  "Stilwell" shall mean and refer to Stilwell Financial Inc.

     (r)  "Stilwell   Group"   shall   mean   and  refer  to Stilwell,  and  its
Subsidiaries and Affiliates, collectively.

     (s)  "Subscription  Period"  shall  mean and  refer to that  period of time
prescribed in any offering of Stock made under this Plan  beginning on the first
day Employees may elect to

                                       2
<PAGE>

purchase  Shares  and  ending on the last day such  elections  to  purchase  are
authorized to be received and accepted.

     (t)  "Subsidiary,"  "Affiliate"  or  "Affiliated  Entity"  shall  mean  any
corporation (other than Stilwell) in an unbroken chain of corporations beginning
with Stilwell if, at the Date of Grant of the Option,  each of the  corporations
other than the last  corporation in the unbroken chain owns stock possessing 50%
or more of the total combined voting power of all classes of stock in one of the
other corporations in such chain.

                          3. Shares Reserved for Plan

     A total of 4,000,000 Shares of Stilwell's authorized and unissued $0.01 par
value Common  Stock are  reserved  for this Plan.  The Shares so reserved may be
issued and sold pursuant to one or more offerings  under the Plan.  With respect
to any such offering, the Board of Directors or the Committee will determine the
number of Shares  remaining  available under the Plan on the Date of Grant,  the
length of the Subscription  Period,  the length of the Purchase Period, the Date
of Grant and such other terms and conditions not  inconsistent  with the Plan as
may be necessary or appropriate.

     In the event of a subdivision  or  combination  of Stilwell's  Shares,  the
maximum  number of Shares which may thereafter be issued and sold under the Plan
and the  number  of  Shares  under  elections  to  purchase  at the time of such
subdivision or combination will be proportionately  increased or decreased,  the
terms relating to the price at which Shares under  elections to purchase will be
sold will be appropriately  adjusted,  and such other action will be taken as in
the opinion of the Board of Directors or the Committee is appropriate  under the
circumstances.  In the case of  reclassification  or other changes in Stilwell's
Shares,   the  Board  of  Directors  or  the  Committee  will  make  appropriate
adjustments.

                         4. Administration of the Plan

     This Plan shall be  administered  by a Committee  appointed by the Board of
Directors,  consisting  of not less than three  members of the Board who are not
eligible  to  participate  in this Plan and one of whom shall be  designated  as
Chairman of the Committee.  The Committee is vested with full authority to make,
administer  and interpret such equitable  rules and  regulations  regarding this
Plan or to make  amendments to the Plan itself,  as it may deem  advisable.  Its
determinations  as to the  interpretation  and  operation  of this Plan shall be
final and conclusive.

     The Committee may act by a majority vote at a regular or special meeting or
by a  decision  reduced to writing  and  signed by a majority  of the  Committee
without  holding a formal  meeting.  Whenever  under  this Plan an action may be
taken by the Board of Directors or the Committee, in the case of inconsistent or
contradictory actions, the action of the Board of Directors shall prevail.

     Vacancies  in  the   membership  of  the  Committee   arising  from  death,
resignation,  removal or other inability to serve shall be filled by appointment
by the Board of Directors.

                                       3
<PAGE>

                          5. Participation in the Plan

     Options to purchase Shares will be granted to Eligible Employees as defined
above; provided, however, the Board of Directors or the Committee may determine,
as to any offering of Common Stock made under this Plan, that the offer will not
be extended to highly compensated Employees within the meaning of section 414(q)
of the Internal Revenue Code of 1986, as amended.

             6. Employee's Election to Purchase - Grant of Options

     To  participate  in an offering  under the Plan, an Eligible  Employee must
elect to purchase  Shares by signing a form that  designates  the  percentage of
Base Pay to be used to calculate  the  Aggregate  Purchase  Price elected by the
Employee for such offering and delivering it before the end of the  Subscription
Period for the offering to Stilwell,  to the Stilwell Group entity by whom he or
she is employed or to such other entity  designated  in the offer to accept such
elections.  The Aggregate  Purchase Price elected by an Employee for an offering
may not exceed the Maximum  Aggregate  Purchase Price for such offering.  Notice
that an election to purchase Shares has become effective,  that the Employee has
been  granted an Option to purchase  Shares and showing the  Aggregate  Purchase
Price elected by the Employee shall be delivered to each participating Employee.

               7. Maximum Number of Shares Which May Be Purchased

     In each offering under the Plan, each Eligible Employee shall be granted an
Option to purchase up to a maximum  number of Shares equal to (i) such  Eligible
Employee's Maximum Aggregate  Purchase Price for such offering,  divided by (ii)
one-half  (1/2) of the  Maximum  Per Share  Price for such  offering;  provided,
however,  that no Employee  shall be granted an Option to purchase  Shares under
this Plan if such Employee,  immediately  after such Option is granted,  owns or
holds  Options to purchase  Stock  possessing  5% or more of the total  combined
voting  power or  value of all  classes  of Stock of  Stilwell  or of any of its
Subsidiaries;  and  provided,  further,  no Employee may be granted an Option to
purchase  Stock which permits his rights to purchase  Stock under all such plans
of Stilwell and its  Subsidiaries  to accrue at a rate which exceeds  $25,000 of
Fair Market Value of such Stock  (determined at the time such Option is granted)
for each  calendar  year in which such Option is  outstanding  at any time.  Any
Employee may elect to purchase  less than the maximum  number of Shares which he
or she is entitled to elect to purchase.

     The number of Shares which an Eligible Employee may purchase in an offering
under the Plan may be reduced in the event the offering is  over-subscribed.  No
Option  granted to an  Eligible  Employee  in an  offering  under the Plan shall
permit such Employee to purchase  Shares which, if added together with the total
number of Shares purchased by all other Employees in such offering, would exceed
the total  number of Shares  remaining  available  under the Plan on the Date of
Grant of such offering.  As of the close of business on the last business day of
the  Purchase  Period in an  offering,  the number of Shares  which all Eligible
Employees have elected to purchase under Outstanding Elections shall be counted.
If the total  number of Shares  which all  Eligible  Employees  have  elected to
purchase  under  Outstanding  Elections  in the  offering  exceeds the number of
Shares  remaining  available under the Plan, the number of Shares for which each
such Outstanding Election is effective shall be reduced on a pro rata basis, and
the

                                       4
<PAGE>

total number of Shares which may be purchased  pursuant to all such  Outstanding
Elections shall not exceed the total number of Shares remaining  available under
the Plan.

     All Shares  available to be sold in any offering  under this Plan in excess
of the total  number of  Shares  purchased  by  Eligible  Employees  in any such
offering  shall continue to be reserved for this Plan and shall be available for
inclusion in any subsequent offering under this Plan.

                               8. Purchase Price

     The purchase  price per Share (except in the case of a deemed  cancellation
of an election  to  purchase)  will be 85% of the Fair Market  Value on the last
business  day of the month in which the  Purchase  Period  ends or, if no Shares
were  traded on that day,  on the last day prior  thereto on which  Shares  were
traded;  provided,  however,  that the purchase price per Share will not be more
than the Maximum Per Share Price; and provided, further, the purchase price will
in no event be less than the par value of the Shares.

                              9. Method of Payment

     Payment  for  Shares  purchased  pursuant  to the  Plan  shall  be  made in
installments  through periodic payroll deductions,  with no right of prepayment.
Each Employee  electing to purchase Shares shall authorize the withholding  from
his or her pay for each payroll period during the Purchase Period the percentage
of Base Pay that  results  in the  amount  that will  produce  at the end of the
Purchase  Period the  Aggregate  Purchase  Price.  Such  deductions  shall be in
uniform  periodic  amounts  in  conformity  with his or her  employer's  payroll
deduction  schedule.  The amount of each Employee's  payroll deductions shall be
credited to such Employee's Account.

     If in any  payroll  period,  an  Employee  has no pay or his or her  pay is
insufficient (after other authorized deductions) to permit deduction of the full
amount of his or her installment  payment,  then (i) the installment payment for
such  payroll  period shall be reduced to the amount of pay  remaining,  if any,
after all other authorized deductions,  and (ii) the percentage of Base Pay that
results in the Aggregate  Purchase Price shall be deemed to have been reduced by
the amount of the reduction in the installment payment for such payroll period.

     An Employee may at any time prior to the end of the Purchase  Period for an
offering  elect to reduce the  percentage of Base Pay  originally  designated by
such  Employee  for such  offering by filing a new election  form with  Stilwell
specifying the reduced percentage of Base Pay.

                            10. Interest on Payments

     No  interest  shall be paid on sums  withheld  from an  Employee's  pay for
purchase of Shares under this Plan.

                            11. Rights as Stockholder

     An  Employee  will  become a  stockholder  with  respect to Shares that are
purchased  pursuant  to  Options  granted  under the Plan when such  Shares  are
transferred into the Employee's name on the books and records of Stilwell. In no
event may Shares be  purchased  pursuant to an Option more than 27 months  after
the Date of Grant of such Option. Ownership of Shares

                                       5
<PAGE>

purchased under the Plan will be entered on the books and records of Stilwell as
soon as  practicable  after  payment for the Shares has been received in full by
Stilwell.  Shares purchased under the Plan will be issued as soon as practicable
after an Employee  becomes a  stockholder.  An Employee will have no rights as a
stockholder  with  respect to Shares for which an election to purchase  has been
made under the Plan until such Employee becomes a stockholder as provided above.

                 12. Rights to Purchase Shares Not Transferable

     An  Employee's  rights under his or her  election to purchase  Shares under
this Plan may not be sold, pledged,  assigned,  or transferred in any manner. If
an Employee's rights are sold, pledged, assigned, or transferred in violation of
this  paragraph,  the right to purchase  Shares of the  Employee  guilty of such
violation  shall  terminate and the only right  remaining  under such Employee's
election to purchase  will be to receive a refund of the amount then credited to
the Employee's Account.

       13. Cancellation of Election to Purchase - Withdrawal From Offering

     An Employee  who has elected to purchase  Shares in an offering  may cancel
his or her  election in its  entirety  (but not in part) by a written  notice of
withdrawal  delivered  to  Stilwell  before  the close of  business  on the last
business day of the Purchase  Period for such offering.  If an Employee  cancels
his or her election,  the Employee shall receive in cash, as soon as practicable
after delivery of the notice of cancellation,  the amount credited to his or her
Account.

                            14. Deemed Cancellations

(a)  Events Constituting a Deemed Cancellation

     (i)  Leave of Absence, Lay-Off or Temporarily Out of Active Service

          An Employee  purchasing  Stock under the Plan who is granted an unpaid
     leave of  absence,  is laid off,  or  otherwise  temporarily  out of Active
     Service during the Purchase Period without terminating  employment shall be
     eligible to remain a  participant  in the Plan during such  absence,  for a
     period of no longer than 90 days or, if longer,  so long as the  Employee's
     right to  reemployment  with his or her  employer is  guaranteed  either by
     statute  or by  contract  (but not  beyond  the  last  day of the  Purchase
     Period).  The  provisions of Paragraph 9 shall apply if the Employee has no
     pay or his or her pay is insufficient  (after other authorized  deductions)
     to cover the  required  installment  payments  during such  absence.  If an
     Employee  does not return to Active  Service upon the  expiration of his or
     her leave of absence or lay-off  or, in any event,  within 90 days from the
     date of his or her leaving Active Service  (unless the Employee's  right to
     reemployment with his or her employer is guaranteed either by statute or by
     contract),  his or her  election to  purchase  shall be deemed to have been
     canceled on the 91st day after such Employee's leaving Active Service.

     (ii) Termination of Employment

          If,  before an Employee  has  completed  payment for Shares  under the
     Plan,  he or she resigns,  is dismissed or  transferred  to a company other
     than Stilwell or a Subsidiary

                                       6
<PAGE>

     of Stilwell,  or if the entity by which he or she is employed  should cease
     to be a Subsidiary  of Stilwell,  his or her election to purchase  shall be
     deemed to have been  canceled  at that time;  provided,  however,  that the
     Committee in its sole  discretion  may in lieu  thereof  specify that there
     shall be a "Substitution or Assumption" (and not a deemed  cancellation) of
     an  election  to purchase  if the  Committee  determines  that a company or
     entity and Stilwell have made satisfactory arrangements for such company or
     entity to  substitute  a new option for the Option  under such  election to
     purchase,  or to assume such Option  under such  election to  purchase,  by
     reason of a  transaction  (A) that is a  corporate  merger,  consolidation,
     acquisition   of  property  or  stock,   separation,   reorganization,   or
     liquidation,  as defined in Section  424(a) of the United  States  Internal
     Revenue  Code of 1986 and  regulations  thereunder  (including  a spin-off,
     split-up or similar  transaction);  (B) pursuant to which the excess of the
     aggregate  fair  market  value  of the  shares  subject  to the new  option
     immediately  after the Substitution or Assumption over the aggregate option
     price of such  shares is not more than the  excess  of the  aggregate  fair
     market  value of all Shares  subject to the Option  immediately  before the
     Substitution or Assumption over the aggregate  option price of such Shares;
     and (C)  pursuant to which the new option or the  assumption  of the Option
     does not give the Employee additional benefits which he or she did not have
     under the Option.

(b)  Terms and Conditions of a Deemed Cancellation

     In the event that an Employee's election to purchase Shares is deemed to be
canceled due to a leave of absence or termination of employment, each as defined
above, the Employee shall be withdrawn from Plan participation and cease to be a
participant.  Upon  the  cessation  of  participation,  any  Option  held by the
Employee  under the Plan shall be treated as follows:  (i) the Employee may give
written  request to the Plan  Administrator  within ten (10) business days after
the Employee's termination (so long as the request is delivered before the close
of  business  of the last  business  day of the  Purchase  Period) of his or her
desire to apply his or her Account  Balance to the  exercise  of the Option,  or
(ii) if no such  request is  received  from the  Employee,  then the  Employee's
Account  Balance  will be  refunded  in cash to the  Employee.  In the  event an
Employee elects to purchase  Shares within the allowable time periods  described
above,  the effective date of the Option exercise shall be the last business day
of the month the request was received and the purchase  price per share shall be
the lesser of (i) 85% of the Fair  Market  Value on the date of exercise or (ii)
the Maximum Per Share Price, provided,  that in no event will the purchase price
be less than the par value of the Shares.

(c)  Terms and Conditions of a Substitution or Assumption

     If the  Committee  determines  under  Paragraph  14(a)(ii)  of the  Plan to
provide a Substitution or Assumption of Options granted hereunder,  the Employee
shall have no further rights under this Plan and the Employee's  rights, if any,
to his or her Account or to  purchase  any  property in lieu of Shares  shall be
governed  exclusively  by  the  arrangements   effecting  such  Substitution  or
Assumption   including  any  stock  purchase  plan  of  the  company  or  entity
substituting a new option for an Option or assuming an existing Option.

                                       7
<PAGE>

                           15. Death of a Participant

     If an Employee dies before he or she has completed payment for Shares under
the Plan,  his or her  election to purchase  Shares shall be deemed to have been
canceled on the date of death.  As soon as  administratively  feasible after the
death of an Employee,  the amount then credited to the Employee's  Account shall
be paid in cash to the beneficiary or  beneficiaries  designated by the Employee
on a beneficiary  designation  form filed with Stilwell  before such  Employee's
death  or,  in the  absence  of an  effective  beneficiary  designation,  to the
executor, administrator or other legal representative of the Employee's estate.

                            16. Application of Funds

     All funds received by Stilwell in payment for Shares  purchased  under this
Plan and held by  Stilwell  at any  time  may be used  for any  valid  corporate
purpose.

                    17. Retirement Plan Hardship Distribution

     In the event that an Employee  has received a hardship  distribution  under
the Stilwell 401(k) Plan,  such employee shall be prohibited from  participating
in this Plan for a period of six (6) months after the Employee's  receipt of the
hardship distribution.

                      18. Commencement of Plan; Restatement

     This  Plan  originally  commenced  on July  13,  2000.  The  amendment  and
restatement  of the Plan as set forth herein is  effective  November 16, 2001 to
apply to offerings under the Plan after the first offering.

                 19. Government Approvals or Consents; Amendment

     This Plan and any offering  and sales to Employees  under it are subject to
any  governmental  approvals  or consents  that may be or become  applicable  in
connection therewith.  The Board of Directors or the Committee may terminate the
Plan at any time and may make such changes in the Plan and include such terms in
any offering  under this Plan as may be necessary or desirable,  including,  but
not limited to, such changes as may be necessary or desirable, in the opinion of
counsel  for  Stilwell,   to  comply  with  the  rules  or  regulations  of  any
governmental  authority,  or to be eligible  for tax  benefits  under the United
States Internal Revenue Code of 1986, as amended, or the laws of any state.

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