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                                                                    EXHIBIT 10.8

                        MEDICAL SYSTEMS MANAGEMENT, INC.

                      EMPLOYEE STOCK OWNERSHIP PLAN & TRUST

       THIS AGREEMENT is made and entered into as of this 26th day of February,
2002, between MEDICAL SYSTEMS MANAGEMENT, INC. (hereafter referred to as the
"Sponsor") and HSBC BANK USA (hereafter referred to as the "Trustee").

                                   WITNESSETH:

       WHEREAS, the Sponsor originally established an employee stock ownership
plan (hereafter called the Plan), effective January 1, 1995, that is designed to
invest primarily in employer securities as provided in Code Section 4975(e)(7)
in order to provide retirement and other incidental benefits to Employees who
are eligible to participate in the plan;

       WHEREAS, the Sponsor believes that continued contributions to the Plan
will help to strengthen the bonds of loyalty and mutual understanding that have
existed between the Sponsor and its employees, thereby making possible the
continued growth of its business; and

       WHEREAS, in accordance with the terms of the Plan, the Sponsor has the
ability at any time, and from time to time, to amend the Plan;

       NOW, THEREFORE, effective January 1, 1997 (except for those sections of
the Plan that have a different effective date), the Sponsor hereby amends and
restates the Plan to comply with the requirements of the Employee Retirement
Income Security Act of 1974, and with the requirements of the Internal Revenue
Code of 1986, as amended by the Uruguay Round Agreements Act, the Small Business
Job Protection Act of 1996, the Taxpayer Relief Act of 1997, the Uniformed
Services Employment and Reemployment Rights Act of 1994, the Internal Revenue
Service Restructuring and Reform Act of 1998, the Community Renewal Tax Relief
Act of 2000, and all applicable rulings and regulations issued thereunder, and
the Trustee accepts the Plan under the following terms and conditions:

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                                    ARTICLE 1
                                   DEFINITIONS

1.1    ADMINISTRATOR: The term Administrator means the Sponsor unless another
       Administrator is appointed by the Sponsor.

1.2    ADOPTING EMPLOYER: The term Adopting Employer means any entity which
       adopts this Plan with the consent of the Sponsor. An Employee's transfer
       to or from any Employer or Adopting Employer will not affect his or her
       Participant's Account balance, total Years of Service (or Periods of
       Service) and total Years of Service as a Participant (or Periods of
       Service as a Participant). All Adopting Employers will be subject to the
       following provisions:

       (a)    MULTIPLE EMPLOYER PLAN PROVISIONS UNDER CODE Section 413(c):
              Notwithstanding any other provision in the Plan to the contrary,
              unless the Plan is a collectively bargained plan described in
              Regulation Section 1.413-1(a), the following provisions will apply
              with respect to any Adopting Employer that is not an Affiliated
              Employer of the Sponsor:

              (1)    INSTANCES OF SEPARATE EMPLOYER TESTING: Employees of any
                     such Adopting Employer will be treated separately for
                     purposes of testing under the provisions of Code Section
                     401(a)(4), Code Section 401(k), Code Section 401(m) and, if
                     the Sponsor and the Adopting Employer do not share
                     Employees, Code Section 416. Furthermore, the terms of Code
                     Section 410(b) will be applied separately on an
                     employer-by-employer basis by the Sponsor (and the Adopting
                     Employers which are part of the Affiliated Group which
                     includes the Sponsor) and each Adopting Employer that is
                     not an Affiliated Employer of the Sponsor, taking into
                     account the generally applicable rules described in Code
                     Section 401(a)(5), Section 414(b) and Section 414(c).

              (2)    INSTANCES OF SINGLE EMPLOYER TESTING: Employees of the
                     Adopting Employer will be treated as part of a single
                     employer plan for purposes of eligibility to participate
                     under Article 2 and under the provisions of Code Section
                     410(a). Furthermore, the terms of Code Section 411 relating
                     to Vesting will be applied as if all Employees of all such
                     Adopting Employers and the Sponsor were employed by a
                     single employer, except that the rules regarding Breaks in
                     Service will be applied under such regulations as may be
                     prescribed by the Secretary of Labor.

              (3)    COMMON TRUST: Contributions made by any such Adopting
                     Employer will be held in a common Trust Fund with
                     contributions made by the Sponsor, and all such
                     contributions will be available to pay the benefits of any
                     Participant who is an Employee of the Sponsor or any such
                     Adopting Employer.

              (4)    COMMON DISQUALIFICATION PROVISION: The failure of either
                     the Sponsor or any such Adopting Employer to satisfy the
                     qualification requirements

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                     under the.; provisions of Code Section 401(a), as modified
                     by Code Section 413(c), will result in the disqualification
                     of the Plan for all such Employers maintaining the Plan.

       (b)    TERMINATION OF ADOPTION: An Adopting Employer may terminate
              participation in the Plan by delivering written notice to the
              Sponsor, the Administrator and the Trustee; but in accordance with
              Article 9, only the Sponsor can terminate the Plan. If a request
              for and approval of a transfer of assets from this Plan to any
              successor qualified retirement plan maintained by the Adopting
              Employer or its successor is not made in accordance with Section
              9.2, Participants who are no longer Employees because the Adopting
              Employer terminates its Plan participation will only be entitled
              to the commencement of their benefits (a) in the case of
              Participants who are no longer Employees of an Adopting Employer
              that is an Affiliated Employer of the Sponsor, in accordance with
              Article 5 after their death, retirement, Disability or Termination
              of Employment from the Adopting Employer or former Adopting
              Employer, and (b) in the case of Participants who are no longer
              Employees of an Adopting Employer that is not an Affiliated
              Employer of the Sponsor, within a reasonable time thereafter as if
              the Plan had been terminated under Section 9.2.

1.3    AFFILIATED EMPLOYER: The term Affiliated Employer means any of the
       following of which the Employer is a part: (1) a controlled group of
       corporations as defined in Code Section 414(b); (2) a trade or business
       (whether or not incorporated) under common control under Code Section
       414(c); (3) any organization (whether or not incorporated) which is a
       member of an affiliated service group under Code Section 414(m); and (4)
       any other entity required to be aggregated under Code Section 414(o).

1.4    AGE: The term Age means actual attained age.

1.5    ANNIVERSARY DATE: The term Anniversary Date means December 31st.

1.6    ANNUITY STARTING DATE: The term Annuity Starting Date means the first day
       of the first period for which an amount is paid as an annuity, or, in the
       case of a benefit not payable as an annuity, the first day all events
       have occurred which entitle the Participant to such benefit. The first
       day of the first period for which a benefit is to be received by reason
       of Disability will be treated as the Annuity Starting Date only if such
       benefit is not an auxiliary benefit.

1.7    BENEFICIARY: The term Beneficiary means the recipient designated by the
       Participant to receive the Plan benefits payable upon the death of the
       Participant, or the recipient designated by a Beneficiary to receive any
       benefits which may be payable in the event of the Beneficiary's death
       prior to receiving the entire death benefit to which the Beneficiary is
       entitled. All such Beneficiary designations will be made in accordance
       with the following provisions:

       (a)    BENEFICIARY DESIGNATIONS BY A PARTICIPANT: Subject to Section 5.8
              regarding the rights of a Participant's Spouse, each Participant
              may designate a Beneficiary

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              on a form supplied by the Administrator, and may change or revoke
              that designation by filing written notice with the Administrator.
              If a Participant completes or has completed a Beneficiary
              designation form in which the Participant designates his or her
              Spouse as the Beneficiary, and the Participant and the
              Participant's Spouse are legally divorced subsequent to the date
              of such designation, then the designation of such Spouse as a
              Beneficiary hereunder will be deemed null and void unless the
              Participant, subsequent to the legal divorce, reaffirms the
              designation by completing a new Beneficiary designation form. In
              the absence of a written Beneficiary designation form, the
              Participant will be deemed to have designated the following
              Beneficiaries in the following order: (I) the Participant's
              Spouse, if then living; (2) the Participant's issue, per stirpes;
              and (3) the Participant's estate.

       (b)    BENEFICIARY DESIGNATIONS BY A BENEFICIARY: In the absence of a
              Beneficiary designation or other directive from the deceased
              Participant to the contrary, any Beneficiary may name his or her
              own Beneficiary in accordance with Section 5.2(e) to receive any
              benefits which may be payable in the event of the Beneficiary's
              death prior to the receipt of all the Participant's death benefits
              to which the Beneficiary was entitled.

       (c)    BENEFICIARIES CONSIDERED CONTINGENT UNTIL DEATH OF PARTICIPANT:
              Notwithstanding any provision in this Section, any Beneficiary
              named hereunder will be considered a contingent Beneficiary until
              the death of the Participant (or Beneficiary, as the case may be),
              and until such time will have no rights granted to Beneficiaries
              under the Plan.

1.8    BREAK IN SERVICE: The term Break in Service means a Plan Year during
       which an Employee does not complete more than 500 Hours of Service for
       reasons other than an authorized leave of absence, which is any period in
       which an Employee ceases active employment because of illness, military
       service, or any other reason approved by the Employer. If a Plan Year is
       less than 12 months, the 500 Hours of Service requirement will be
       proportionately reduced.

1.9    CODE: The term Code means the Internal Revenue Code of 1986, as amended,
       and the regulations and rulings promulgated thereunder by the Internal
       Revenue Service.

1.10   CODE Section 3401 COMPENSATION: The term Code Section 3401 Compensation
       means wages within the meaning of Code Section 3401 (a) that are actually
       paid or made available in gross income for the purposes of income tax
       withholding at the source but determined without regard to any rules
       under that limit the remuneration included in wages based on the nature
       or location of the employment or the services performed (such as the
       exception for agricultural labor in Code Section 3401(a)(2).

1.11   CODE Section 415 COMPENSATION: The term Code Section 415 Compensation
       means Earned Income, wages, salaries, fees for professional services and
       other amounts received (without regard to whether or not an amount is
       paid in cash) for personal services actually rendered by an Employee in
       the course of employment with the Employer maintaining

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       the Plan, including, but not limited to, commissions paid to
       salespersons, compensation for services' based on a percentage of
       profits, commissions on insurance premiums, tips, bonuses, fringe
       benefits, and reimbursements, or other expense allowances under a
       non-accountable plan as described in regulation Section 1.62-2(c). Code
       Section 415 Compensation will be determined subject to the following
       provisions:

       (a)    AMOUNTS EXCLUDED FROM CODE Section 415 COMPENSATION: Code Section
              415 Compensation does not include (1) Employer contributions to a
              plan of deferred compensation which are not includible in gross
              income for the taxable year in which contributed, or Employer
              contributions to a simplified employee pension plan to the extent
              such contributions are deductible by the Employee, or any
              distributions from a plan of deferred compensation; (2) amounts
              realized from a non-qualified stock option, or when restricted
              stock or property held by the Employee either becomes freely
              transferable or is no longer subject to a substantial risk of
              forfeiture; (3) amounts realized from the sale, exchange or other
              disposition of stock acquired under a qualified stock option; and
              (4) other amounts which receive special tax benefits, or
              contributions made by an Employer (whether or not under a salary
              reduction agreement) towards the purchase of an annuity described
              in Code Section 403(b) (whether or not the amounts are excludible
              from an Employee's gross income).

       (b)    TREATMENT OF ELECTIVE DEFERRALS AND CERTAIN OTHER AMOUNTS: For
              Limitation Years beginning on or after January 1, 1998, Code
              Section 415 Compensation will include any elective deferrals as
              defined in Code Section 402(g)(3), and any amounts contributed or
              deferred at the election of the Employee which were not includible
              in gross income by reason of Code Section 125 or Section 457. Code
              Section 415 Compensation will also include elective amounts that
              are not includible in the gross income of the Employee by reason
              of Code Section 132(f)(4) for Limitation Years beginning on or
              after January 1, 2001 (or if elected by the Administrator on a
              nondiscriminatory basis, any earlier Limitation Year beginning on
              or after January l, 1998).

1.12   COMPANY STOCK: The term Company Stock means common stock issued by the
       Employer which is voting common stock (or preferred stock convertible
       into voting common stock) and which qualifies under Code Section 409(l)
       as an Employer security.

1.13   COMPANY STOCK ACCOUNT: The term Company Stock Account means the account
       to which is credited a Participant's share of Company Stock contributed
       to or acquired by the Plan.

1.14   COMPENSATION: The term Compensation means wages within the meaning of
       Code Section 3401 (a) and all other payments of compensation that are
       actually paid or made available in gross income during the Plan Year to
       an Employee by the Employer (in the course of the Employer's trade or
       business) for which the Employer is required to furnish the Employee a
       written statement (Form W-2) under Code Section 6041(d), Section
       6051(a)(3) and Section 6052. Compensation must be determined without
       regard to any rules under Code Section 3401 (a) that limit the
       remuneration included in wages based on the nature or location of the

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       employment or the services performed (such as the exception for
       agricultural labor in Code Section 3401(a)(2). Compensation will also
       include amounts not currently includible in gross income by reason of
       Code Section 125, Section 402(e)(3), Section 402(h), or Section 403(b).
       However, Compensation used to determine Plan benefits will not include
       Compensation in excess of $100,000. If a determination period is less
       than 12 months, the $100,000 limitation will be multiplied by a fraction,
       the numerator of which is the number of months in the determination
       period, and the denominator of which is 12.

       Effective January 1, 2001, Compensation paid or made available during a
       Limitation Year shall include elective amounts that are not includable in
       gross income of the employee by reason of Code Section 132(f)(4).

1.15   CURRENT OBLIGATIONS: The term Current Obligations means obligations of
       the Trust Find arising from the extension of credit to the Trust Fund and
       which are payable in cash within one year from the date an Employer
       contribution is made to the Plan.

1.16   DISABILITY: The term Disability means a physical or mental condition
       arising after an Employee has become a Participant which totally and
       permanently prevents the Participant from performing his or her specified
       duties for the Employer. The determination as to whether a Participant
       has suffered a Disability will be made by a physician appointed by the
       Administrator. If a difference of opinion arises between the Participant
       and the Administrator as to whether the Participant has suffered a
       Disability, it will be settled by a majority decision of three
       physicians, one to be appointed by the Administrator, one to be appointed
       by the Participant, and the third to be appointed by the two physicians
       first appointed herein. However, notwithstanding the foregoing, the term
       Disability will not include any disability arising from (1) chronic or
       excessive use of intoxicants or other substances; (2) intentionally
       self-inflicted injury or sickness; (3) an unlawful act or enterprise by
       the Participant; or (4) military service where the Participant is
       eligible to receive a government sponsored military disability pension.

1.17   EARLY RETIREMENT AGE: This Plan does not provide a Participant with
       retirement benefits prior to the date the Participant reaches his or her
       Normal Retirement Age.

1.18   ELIGIBLE PARTICIPANT: The term Eligible Participant means a Participant
       eligible to receive an allocation of Employer contributions allocable for
       a Plan Year. Any Participant who is an Employee on the last day of the
       Plan Year will be an Eligible Participant if he or she also completes at
       least 1,000 Hours of Service during the Plan Year. Any Participant who
       terminates employment with the Employer before the last day of the Plan
       Year will only be an Eligible Participant for that Plan Year in
       accordance with the following provisions:

       (a)    RETIRING PARTICIPANTS: A Participant who terminates employment
              before the last day of the Plan Year because of retirement after
              Normal Retirement Age will be an Eligible Participant regardless
              of the number of Hours of Service the Participant completes in
              that Plan Year.

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       (b)    DECEASED PARTICIPANTS: A Participant who terminates employment
              before the last day of the Plan Year because of death will be an
              Eligible Participant regardless of the number of Hours of Service
              the Participant completes in that Plan Year.

       (c)    DISABLED PARTICIPANTS: A Participant who terminates employment
              before the last day of the Plan Year because of Disability will
              not be an Eligible Participant for that Plan Year.

       (d)    TERMINATED PARTICIPANTS: A Participant who terminates before the
              last day of the Plan Year for reasons other than retirement, death
              or Disability will not be an Eligible Participant for that Plan
              Year.

1.19   EMPLOYEE: The term Employee means (1) any person reported on the payroll
       records of the Employer as an employee who is deemed by the Employer to
       be a common law employee; (2) except for purposes of determining
       eligibility to participate in this Plan, any person reported on the
       payroll records of an Affiliated Employer of the Sponsor or an Adopting
       Employer as an employee who is deemed by the Affiliated Employer to be a
       common law employee, even if the Affiliated Employer is not an Adopting
       Employer, (3) any Self-Employed Individual who derives Earned Income from
       the Employer; (4) any Owner-Employee; and (5) any person who is
       considered a Leased Employee but who (i) is not covered by a plan
       described in Code Section 414(n)(5), or (ii) is covered by a plan
       described in Code Section 414(n)(5) but Leased Employees constitute more
       than 20% of the Employer's non-highly compensated workforce. The term
       Employee will not include any individual who is not reported on the
       payroll records of the Employer or an Affiliated Employer as a common law
       employee. If such person is later determined by the Sponsor or by a court
       or governmental agency to be an Employee or to have been an Employee, he
       or she will only be eligible for Plan participation prospectively and may
       participate in the Plan as of the next entry date in Section 2.2
       following such determination and after the satisfaction of all other
       eligibility requirements.

1.20   EMPLOYER: The term Employer means the Sponsor, any Adopting Employer, and
       any direct predecessor business entity of the Sponsor or an Adopting
       Employer which was or would have been considered an Affiliated Employer
       of the Sponsor or an Adopting Employer. Where applicable, such as
       determining Hours of Service and Years of Service, the term Employer or
       Adopting Employer will also mean any business entity that was an Adopting
       Employer. As to any Employee, the term Employer at the time of reference
       means the employer of such Employee.

1.21   EXEMPT LOAN: The term Exempt Loan means a loan made to the Plan by a
       disqualified person or that is guaranteed by a disqualified person and
       which satisfies the requirements of income tax regulation Section
       54.4975-7(b) and Department of Labor regulation Section 2550.408b-3.

1.22   FIDUCIARY: The term Fiduciary means any individual or entity which
       exercises any discretionary authority or control over the management of
       the Plan or over the disposition of the assets of the Plan; renders
       investment advice for a fee or other compensation

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       (direct or indirect); has any discretionary authority or responsibility
       over Plan administration; or acts to carry out a fiduciary
       responsibility, when designated by a named Fiduciary pursuant to
       authority granted by the Plan; subject, however, to any exception granted
       directly or indirectly by the provisions of ERISA or any applicable
       regulations. The Employer is the "named Fiduciary" for purposes of ERISA
       Section 402(a)(2).

1.23   FISCAL YEAR: The term Fiscal Year means the Employer's accounting year
       beginning January 1st and ending December 31st.

1.24   FORFEITURE: The term Forfeiture means the amount by which a Participant's
       Account balance exceeds his or her Vested Interest upon the earlier to
       occur of (1) the date the Participant receives a distribution of his or
       her Vested Interest pursuant to Sections 5.4, 5.5, or 5.6; or (2) the
       date the Participant incurs 5 consecutive Breaks in Service after
       Termination of Employment. No Forfeitures will occur solely as a result
       of the withdrawal of a Participant's own contributions to the Plan, or a
       Participant's transfer to an Affiliated Employer or Adopting Employer.
       All Forfeitures will be allocated to the Forfeiture Account pending
       allocation pursuant to Section 3.5.

1.25   FORM W-2 COMPENSATION: The term Form W-2 Compensation means wages within
       the meaning of Code Section 3401(a) and all other payments of
       compensation actually paid or made available in gross income to an
       Employee by the Employer in the course of the Employer's trade or
       business for which the Employer is required to furnish the Employee a
       Form W-2 under Code Section 6041(d), Section 6051(a)(3) and Section 6052.
       Compensation must be determined without regard to any rules under Code
       Section 3401(a) limiting remuneration included in wages based on the
       nature or location of the employment or services performed (such as the
       exception for agricultural labor in Code Section 3401(a)(2).

1.26   HCE: The term HCE means a Highly Compensated Employee.

1.27   HIGHLY COMPENSATED EMPLOYEE: The term Highly Compensated Employee means,
       for Plan Years beginning after December 31, 1996, any Employee who during
       the Plan Year or during the look-back year was a 5% owner as defined in
       Code Section 416(i)(1), or who for the look-back year had Code Section
       415 Compensation in excess of $80,000 as adjusted in accordance with Code
       Section 415(d) (except that the base year will be the calendar quarter
       ending September 30, 1996). In determining who is a highly compensated
       former Employee, the rules for determining which Employees are Highly
       Compensated Employees for the Plan Year or look-back year for which the
       determination is being made (in accordance with temporary regulation
       Section 1.414(q)- IT, A-4 and Notice 97-45) will be applied. In
       determining if an Employee is a Highly Compensated Employee for Plan
       Years beginning in 1997, the amendments to Code Section 414(q) are deemed
       to have been in effect for Plan Years beginning in 1996. If the Employer
       maintains more than one qualified retirement plan, the terms of this
       Section will be applied in a consistent manner in all such plans.

       (a)    DETERMINATION OF LOOK BACK YEAR: The look-back year will be the 12
              month period immediately preceding the Plan Year for which the
              determination is being made, except that in determining if an
              Employee is a Highly Compensated

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              Employee based on his or her Code Section 415 Compensation, the
              Administrator may elect for any Plan Year that the look-back year
              will be the calendar year beginning with or within the look-back
              year.

       (b)    TOP PAID GROUP ELECTION: In determining if an Employee is a Highly
              Compensated Employee based on Code Section 415 Compensation, the
              top paid group election set forth in Code Section 414(q)(3) is
              being applied by the Plan.

1.28   HOUR OF SERVICE: The term Hour of Service means, and the number of an
       Employee's Hour of Service will be determined in accordance with, the
       following provisions:

       (a)    DETERMINATION OF HOURS: The term Hour of Service means (1) each
              hour an Employee is paid, or entitled to payment, for the
              performance of duties for the Employer or an Affiliated Employer,
              which will be credited to the Employee for the computation period
              in which the duties are performed; (2) each hour for which an
              Employee is paid, or entitled to payment, by the Employer or an
              Affiliated Employer on account of a period of time during which no
              duties are performed (irrespective of whether the employment
              relationship has terminated) due to vacation, holiday, illness,
              incapacity (including disability), layoff, jury duty, military
              duty or leave of absence, except that no more than 501 hours will
              be credited under this clause (2) for any single continuous period
              (whether or not such period occurs in a single computation
              period); and (3) each hour for which back pay, irrespective of
              mitigation of damages, is either awarded or agreed to by the
              Employer or an Affiliated Employer, except that the same hours
              will not be credited both under clause (1) or clause (2) and under
              this clause (3), and these hours will be credited for the
              computation period or periods to which the award or agreement
              pertains rather than the computation period in which the award,
              agreement or payment is made. Hours of Service will be calculated
              and credited pursuant to DOL regulation 2530.200b-2(b) and (c),
              which are incorporated herein by reference.

       (b)    MATERNITY PATERNITY LEAVE: In determining if a Break in Service
              for participation and vesting has occurred, an individual on
              Maternity or Paternity Leave will receive credit for up to 501
              hours which would otherwise have been credited but for such
              absence, or in any case in which such hours cannot be determined,
              8 hours per day of such absence. Hours credited for Maternity of
              Paternity Leave will be credited in the computation period in
              which the absence begins if the crediting is necessary to prevent
              a Break in Service in that period, or in all other cases, in the
              following computation period.

       (c)    USE OF EQUIVALENCIES: Notwithstanding paragraph (a), the
              Administrator may elect for all Employees or for one or more
              different classifications of Employees (provided such
              classifications are reasonable and are consistently applied) to
              apply one or more of the following equivalency methods in
              determining the Hours of Service of an Employee paid on an hourly
              or salaried basis. Under such equivalency methods, an Employee
              will be credited with either (1) 190 Hours of

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              Service for each month in which he or she is paid or entitled to
              payment for at least one Hour of Service; or (2) 95 Hours of
              Service for each semi-monthly period in which he or she is paid or
              entitled to payment for at least one Hour of Service; or (3) 45
              Hours of Service for each week in which he or she is paid or
              entitled to payment for at least one Hour of Service; or (4) 10
              Hours of Service for each day in which he or she is paid or
              entitled to payment for at least one Hour of Service.

1.29   KEY EMPLOYEE: The term Key Employee means any Employee, Former Employee,
       deceased Employee, or Beneficiary who at any time during the Plan Year
       containing the Determination Date for the Plan Year in question or any of
       the prior 4 Plan Years was one of the following:

       (a)    OFFICERS: An officer of the Employer whose Code Section 415
              Compensation exceeds 50% of the amount in effect under Code
              Section 415(b)(1)(A), except that no more than fifty Employees
              (or, if lesser, the greater of three or 10% of the Employees) will
              be treated as officers.

       (b)    OWNERS: An owner (or was considered an owner under Code Section
              318) of one of the ten largest interests in the Employer whose
              Code Section 415 Compensation exceeds 100% of the dollar
              limitation in effect under Code Section 415(c)(1)(A), but if two
              Employees own the same interest in the Employer, the Employee with
              the greater annual Code Section 415 Compensation will be treated
              as owning a larger interest; or a 5% owner of the Employer as
              defined in Code Section 416(i)(l)(B)(i); or a 1% owner of the
              Employer as defined in Code Section 416(i)(1)(B)(ii) whose annual
              Code Section 415 Compensation is more than $150,000.

1.30   LEASED EMPLOYEE: The term Leased Employee means, for Plan Years beginning
       on or after January 1, 1997, any person within the meaning of Code
       Section 414(n)(2) and Section 414(o) who is not reported on the payroll
       records of the Employer as a common law employee and who provides
       services to the Employer if (a) the services are provided under an
       agreement between the Employer and a leasing organization; (b) the person
       has performed services for the Employer or for the Employer and related
       persons as determined under Code Sections 414(n)(6) on a substantially
       full time basis for a period of at least one year; and (c) the services
       are performed under the primary direction and control of the Employer.
       Contributions or benefits provided to a Leased Employee by the leasing
       organization which are attributable to services performed for the
       Employer will be treated as provided by the Employer. A Leased Employee
       will not be considered an Employee of the recipient if such Employee is
       covered by a money purchase plan providing (a) a non-integrated Employer
       contribution rate of at least 10% of Code Section 415 Compensation, but
       including amounts contributed by the Employer pursuant to a salary
       reduction agreement which are excludible from the Employee's gross income
       under a cafeteria plan covered by Code Section 125, a cash or deferred
       plan under Code Section 401(k), a SEP under Code Section 408(k) or a
       tax-deferred annuity under Code Section 403(b); (b) immediate
       participation; and (c) full and immediate vesting. This exclusion is only
       available if Leased Employees do not constitute more than 20% of the
       recipient's non-highly compensated work force.

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1.31   LIMITATION YEAR: The term Limitation Year means the Plan Year.

1.32   MATERNITY OR PATERNITY LEAVE: The term Maternity or Paternity Leave means
       that an Employee is absent from work because of the Employee's pregnancy;
       the birth of the Employee's child; the placement of a child with the
       Employee in connection with the adoption of such child by the Employee;
       or the need to care for such child for a period beginning immediately
       following the child's birth or placement as set forth above.

1.33   NHCE: The term NHCE means a Non-Highly Compensated Employee.

1.34   NON-HIGHLY COMPENSATED EMPLOYEE: The term Non-Highly Compensated Employee
       means any Employee who is not a Highly Compensated Employee.

1.35   NON-KEY EMPLOYEE: The term Non-Key Employee means any Employee who is not
       a Key Employee, including former Key Employees.

1.36   NORMAL RETIREMENT AGE: The term Normal Retirement Age means the date a
       Participant reaches Age 65. There is no mandatory retirement age.

1.37   NORMAL RETIREMENT DATE: The term Normal Retirement Date means the same
       date a Participant reaches Nor-mat Retirement Age.

1.38   OTHER INVESTMENTS ACCOUNT: The term Other Investments Account means the
       account to which is credited a Participant's share of Plan assets other
       than Company Stock, including Forfeitures which are not used to pay
       administrative expenses or to reduce Employer contributions, earnings and
       losses, and the proceeds of any Policies, if any, purchased on the
       Participant's life under Section 7.13. Payments to purchase Company Stock
       will be debited from this account.

1.39   PARTICIPANT: The term Participant means any Employee who has met the
       eligibility and participation requirements of the Plan. However, an
       individual who is no longer an Employee will not be deemed a Participant
       if his or her entire Plan benefit (1) is fully guaranteed by an insurance
       company and is legally enforceable at the sole choice of such individual
       against such insurance company, provided that a contract, Policy, or
       certificate describing the benefits to which such individual is entitled
       under the Plan has been issued to such individual; or (2) is paid in a
       lump sum distribution which represents such individual's entire interest
       in the Plan; or (3) is paid in some other form of distribution and the
       final payment thereunder has been made.

1.40   PARTICIPANT'S ACCOUNT: The term Participant's Account means the aggregate
       balance in a Participant's Company Stock Account and Other Investments
       Account.

1.41   PERMISSIVE AGGREGATION GROUP: The term Permissive Aggregation Group means
       a Required Aggregation Group plus any Employer plan(s) which when
       considered as a group with the Required Aggregation Group would continue
       to satisfy Code Section 401(a)(4) and Section 410.

                                       11
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1.42   PLAN: The term Plan means this profit sharing plan and trust agreement,
       which is named the Medical Systems Management, Inc. Employee Stock
       Ownership Plan & Trust.

1.43   PLAN YEAR: The term Plan Year means the Plan's accounting year beginning
       January 1st and ending December 31st.

1.44   POLICY: The term Policy means a life insurance policy or annuity contract
       purchased pursuant to the provisions of Section 7.13 of the Plan.

1.45   QUALIFIED ELECTION PERIOD: The term Qualified Election Period means the
       five Plan Year period beginning with the later of the Plan Year after the
       Plan Year the Participant attains Age 55, or the Plan Year after the Plan
       Year the Participant first becomes a Qualified Participant.

1.46   QUALIFIED PARTICIPANT: The term Qualified Participant means a Participant
       who has attained Age 55 and who has completed at least 10 Years of Plan
       Participation.

1.47   REQUIRED AGGREGATION GROUP: The term Required Aggregation Group means (1)
       each qualified deferred compensation Plan of the Employer in which at
       least one Key Employee participates or participated at any time during
       the determination period (regardless of whether the plan has terminated);
       and (2) any other qualified deferred compensation plan of the Employer
       which enables a plan described in (I) to satisfy Code Section 401(a)(4)
       or Section 410.

1.48   REQUIRED BEGINNING DATE: The term Required Beginning Date means, for a
       Participant who is not a 5% owner, April 1st of the calendar year
       following the later of the Calendar year in which he or she reaches Age
       70-1/2 or the calendar year in which he or she actually retires; and for
       a Participant who is a 5% owner, April In of the calendar year following
       the calendar year in which he or she reaches Age 70-1/2.

       (a)    DEFINITION OF 5% OWNER: A Participant will be treated as a 5%
              owner hereunder if such Participant is a 5% owner as defined in
              Code Section 416 at any time during the Plan Year ending with or
              within the calendar year in which such owner reaches Age 70-1/2.
              Once distributions have begun to a 5% owner under this Section,
              they must continue even if the Participant ceases to be a 5% owner
              in a subsequent year.

       (b)    PRE-RETIREMENT AGE 70-1/2 DISTRIBUTIONS: The pre-retirement Age
              70-1/2 distribution option is only eliminated with respect to
              Employees who reach Age 70-1/2 in or after a calendar year that
              begins after the later of December 31, 1998, or the adoption date
              of this amended Plan. The pre-retirement Age 70-1/2 distribution
              option is an optional form of benefit under which benefits payable
              in a particular distribution form (including any modifications
              elected after benefit commencement) commence at a time during the
              period that begins on or after January 1 n of the calendar year in
              which an Employee attains age 70-1/2 and ends April 1st of the
              immediately following calendar year.

                                       12
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1.49   ROLLOVER ACCOUNT: The term Rollover Account means the account to which a
       Participant's Rollover Contributions, if any, are allocated. A
       Participant will at all times have a 100% Vested Interest in all amounts
       credited to his or her Rollover Account.

1.50   ROLLOVER CONTRIBUTION: The term Rollover Contribution means an amount
       transferred to this Plan (a) in a trustee to trustee transfer from
       another qualified plan; (b) from another qualified plan as a distribution
       eligible for tax free rollover treatment and which is transferred by the
       Participant to this Plan within 60 days following his receipt thereof;
       (c) from a conduit individual retirement account if the only assets
       therein were previously distributed to the Participant by another
       qualified plan as a distribution eligible for a tax free rollover within
       60 days of receipt thereof and earnings on said assets; or (d) from a
       conduit individual retirement account meeting the requirements of (a)
       above and transferred to this Plan within 60 days of receipt thereof The
       Plan will not accept a Rollover Contribution under clause (a) which is
       subject at the time of transfer to the Qualified Joint and Survivor
       Annuity requirements of Code Section 401(a)(11).

1.51   SHAREHOLDER-EMPLOYEE: The term Shareholder-Employee means, in the case of
       an Employer or Affiliated Employer which is an electing small business
       corporation, an individual who is an employee or officer of such electing
       small business corporation and owns, or is considered as owning within
       the meaning of Code Section 318(a)(1), on any day during the taxable year
       of such corporation, more than 5% of the outstanding stock of the
       corporation.

1.52   SPONSOR: The term Sponsor means Medical Systems Management, Inc. (and any
       successor thereto that elects to assume sponsorship of this Plan).

1.53   SPOUSE: The term Spouse means the person to whom a Participant is legally
       married.

1.54   TERMINATION OF EMPLOYMENT: The term Termination of Employment means that
       a Participant has ceased to be an Employee for reasons other than
       retirement, death, or Disability.

1.55   TERMINATED PARTICIPANT: The term Terminated Participant means a
       Participant who has ceased to be an Employee for reasons other than
       retirement, death or Disability.

1.56   TOP HEAVY: The term Top Heavy means for any Plan Year beginning after
       December 31, 1983 (a) that the Top Heavy Ratio exceeds 60% and the Plan
       is not part of a Required Aggregation Group or Permissive Aggregation
       Group; or (b) that the Plan is a part of a Required Aggregation Group but
       not a Permissive Aggregation Group and the Top Heavy Ratio for the group
       exceeds 60%; or (c) that the Plan is a part of a Required Aggregation
       Group and a Permissive Aggregation Group and the Top Heavy Ratio for the
       Permissive Aggregation Group exceeds 60%.

1.57   TOP HEAVY MINIMUM ALLOCATION: The term Top Heavy Minimum Allocation means
       an amount of Employer contributions and Forfeitures equal to 3% of an
       Employee's Code Section 415 Compensation (or such higher or lesser
       percentage as may otherwise be indicated in Section 3.6).

                                       13
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1.58   TOP HEAVY RATIO: In determining if this Plan is Top Heavy or Super Top
       Heavy, the Top Heavy Ratio will be determined in accordance with the
       following provisions:

       (a)    RULE 1: If the Employer maintains one or more defined contribution
              plans (including SEPs) and has not maintained any defined benefit
              plan which during the 5-year period ending on the Determination
              Date had accrued benefits, the Top Heavy Ratio for this Plan alone
              or for the Required or Permissive Aggregation Group is a fraction,
              the numerator of which is the sum of the account balances of all
              Key Employees as of the Determination Date (including any part of
              any account balance distributed in the 5-year period ending on the
              Determination Date), and the denominator of which is the sum of
              the account balances (including any part of any account balance
              distributed in the 5-year period ending on the Determination Date)
              determined under Code Section 416 and the regulation thereunder.
              Both the numerator and the denominator of the Top Heavy Ratio will
              be increased to reflect any contribution not actually made as of
              the Determination Date but which is required to be taken into
              account under Code Section 416 and the regulations thereunder.

       (b)    RULE 2: If the Employer maintains one or more defined contribution
              plans (including SEPs) and maintains or has maintained one or more
              defined benefit plans which during the 5-year period ending on the
              Determination Date has had any accrued benefits, the Top Heavy
              Ratio for any Required or Permissive Aggregation Group is a
              fraction, the numerator of which is the sum of account balances
              under the aggregated defined contribution plans for all Key
              Employees determined in accordance with paragraph (a) above, and
              the present value of accrued benefits under the aggregated defined
              benefit plans for all Key Employees as of the Determination Date,
              and the denominator of which is the sum of the account balances
              under the aggregated defined contribution plans for all
              Participants, determined in accordance with paragraph (a), and the
              present value of accrued benefits under the aggregated defined
              benefit plans for all Participants as of the Determination Date,
              all determined under Code Section 416 and the regulations
              thereunder. The accrued benefits under a defined benefit plan in
              both the numerator and denominator of the Top Heavy Ratio are
              increased for any distribution made in the 5-year period ending on
              the Determination Date.

       (c)    RULE 3: For purposes of paragraphs (a) and (b) above, the value of
              account balances and the present value of accrued benefits will be
              determined as of the most recent Valuation Date that falls within
              or ends with the 12-month period ending on the Determination Date,
              except as provided in Code Section 416 and the regulations
              thereunder for the first and second Plan Years of a defined
              benefit plan. The account balances and accrued benefits will be
              disregarded for a Participant (1) who is not a Key Employee but
              who was a Key Employee in a prior year or (2) who has not been
              credited with at least one Hour of Service with any Employer
              maintaining the Plan at any time during the 5-year period ending
              on the Determination Date. The calculation of the Top Heavy Ratio
              and the extent to which distributions, rollovers, and transfers
              are taken into account will be made in accordance with Code
              Section 416 and the regulations thereunder. When

                                       14
<Page>

              aggregating plans, the value of the account balances and accrued
              benefits will be calculated with reference to the Determination
              Date that falls within the same calendar year. The accrued benefit
              of a Participant other than a Key Employee will be determined
              under (1) the method, if any, that uniformly applies for accrual
              purposes under all defined benefit plans maintained by the
              Employer, or (2) effective as of the first Plan Year beginning
              after December 31, 1986, if there is no such method, as if such
              benefit accrued not more rapidly than the slowest accrual rate
              permitted under the fractional rule of Code Section 41l(b)(1)(C).
              Deductible employee contributions will not be taken into account
              in determining the Top Heavy Ratio.

       (d)    DEFINITION OF DETERMINATION DATE: In determining the Top Heavy
              Ratio, the term Determination Date means the last day of the
              preceding Plan Year except for the first Plan Year when the
              Determination Date means the last day of such first Plan Year.

1.59   TRUSTEE: The term Trustee means the persons or entity named as trustee or
       trustees in this Plan and any successor to such Trustee or Trustees.

1.60   TRUST FUND: The term Trust Fund or Trust means the assets of the Plan.

1.61   UNALLOCATED COMPANY STOCK ACCOUNT: The term Unallocated Company Stock
       Account means an account containing Company Stock acquired with the
       proceeds of an Exempt Loan and which has not been allocated to the
       Participants' Company Stock Accounts. For each Plan Year during the
       duration of an Exempt Loan, the number of shares of Company Stock
       released from the Company Stock Account will equal the number of shares
       held therein immediately before release for the current Plan Year
       multiplied by a fraction, the numerator of which is the amount of
       principal and interest paid for the Plan Year and the denominator of
       which is the sum of the numerator plus the principal and interest to be
       paid for all future Plan Years.

1.62   VALUATION DATE: Except as otherwise provided in paragraph (c) of the
       definition of Top Heavy Ratio, the term Valuation Date means the date on
       which the Trustee determines the value of the Trust Fund. The Trust Fund
       must be valued at least annually as of the last day of the Plan Year, but
       the Administrator can elect to have all or any portion of the assets of
       the Trust Fund valued more frequently, including, but not limited to,
       semi-annually, quarterly, monthly, or daily.

1.63   VESTED AGGREGATE ACCOUNT: The term Vested Aggregate Account means the
       aggregate amount in a Participant's Account, Rollover Account, Voluntary
       Employee Contribution Account, and any other accounts as the
       Administrator may determine necessary from time to time, in which the
       Participant has a Vested Interest.

1.64   VESTED, VESTED INTEREST AND VESTING: The term Vested, Vested Interest and
       Vesting mean a Participant's nonforfeitable percentage in any account
       maintained on his or her behalf under the terms of the Plan. A
       Participant's Vested Interest in his or her Participant's Account will be
       determined in accordance with Section 4.6 of the Plan.

                                       15
<Page>

1.65   YEAR OF SERVICE: The term Year of Service means a 12-consecutive month
       computation period during which an Employee (or Participant) completes a
       specified number of Hours of Service for either the Employer or an
       Affiliated Employer (or any business entity which was an Adopting
       Employer), determined in accordance with the following provisions:

       (a)    DEFINITION OF EMPLOYMENT COMMENCEMENT DATE: As used in this
              Section, the term Employment Commencement Date means the first day
              on which an Employee performs an Hour of Service for the Employer
              or an Affiliated Employer; and the term Reemployment Commencement
              Date means the first day following a Break in Service on which an
              Employee performs an Hour of Service for the Employer or an
              Affiliated Employer.

       (b)    YEAR OF SERVICE FOR ELIGIBILITY: In any Plan Year in which the
              eligibility requirements as determined under Section 2.1 are based
              on Years of Service, (1) a Year of Service is a 12-consecutive
              month period during which an Employee is credited with at least
              1,000 Hours of Service; and (2) an Employee's initial eligibility
              computation period will begin on his or her Employment
              Commencement Date. The second eligibility computation period will
              begin on the first day of the Plan Year which begins prior to the
              first anniversary of the Employee's Employment Commencement Date
              regardless of whether the Employee is credited with at least 1,000
              Hours of Service during the initial computation period. If the
              Employee is credited with 1,000 Hours of Service in both the
              initial eligibility computation period and in the second
              eligibility computation period, the Employee will be credited with
              two Years of Service for eligibility purposes. If a Plan Year is
              less than 12 consecutive months and the Hours of Service
              requirement set forth herein is greater than one, such requirement
              will be proportionately reduced.

       (c)    YEAR OF SERVICE FOR VESTING: In any Plan Year in which a
              Participant's Vested Interest as determined under Section 4.6 is
              based on Years of Service, (1) a Year of Service is a
              12-consecutive month period during which an Employee is credited
              with at least at least 1,000 Hours of Service; and (2) the Vesting
              computation period will be the Plan Year. If a Plan Year is less
              than 12 consecutive months and the Hours of Service requirement
              set forth herein is greater than one, such requirement will be
              proportionately reduced.

       (d)    PRIOR SERVICE CREDIT: An Employee will not receive credit for
              Years of Service with any other entity for any purpose under the
              terms of this Plan except as otherwise set forth herein with
              respect to an Affiliated Employer or an Adopting Employer.

       (e)    REEMPLOYMENT BEFORE A BREAK IN SERVICE: If an Employee terminates
              employment but is re-employed by the Employer before incurring a
              Break in Service, his or her Years of Service and his or her
              employment will not be deemed to have been interrupted during such
              Plan Year and, if he or she was a Participant in the Plan (or
              otherwise satisfied the requirements for participation

                                       16
<Page>

              specified in Section 2.1), he or she will remain (or become) a
              Participant immediately upon his or her re-employment by the
              Employer. If an Employee was not a Participant in the Plan but
              otherwise satisfied the requirements for participation specified
              in the Plan, lie or she will become a Participant on the later of
              the date the Employee would have entered the Plan had he or she
              not terminated employment with the Employer, or upon the
              Employee's reemployment date.

       (f)    REEMPLOYMENT AFTER A BREAK IN SERVICE: If an Employee terminates
              employment and is subsequently re-employed by the Employer or an
              Affiliated Employer after incurring a Break in Service, Years of
              Service that were completed prior to the Break in Service will be
              counted retroactively only after such Employee has completed a
              Year of Service from his or her Reemployment Commencement Date,
              subject to the following:

              (1)    DETERMINATION OF PERIODS OF SERVICE FOR ELIGIBILITY: For
                     eligibility purposes if such Employee did not have a Vested
                     Interest in his or her Participant's Account before the
                     Break in Service and the number of the Employee's
                     consecutive Breaks in Service equals or exceeds the greater
                     of five or the aggregate number of Years of Service, Years
                     of Service that were completed prior to the Break in
                     Service will not be counted. The aggregate number of Years
                     of Service will not include any Years of Service previously
                     disregarded hereunder by reason of prior Breaks in Service.
                     If such former Employee's Years of Service are disregarded
                     under this paragraph, he or she will be treated as a new
                     Employee for eligibility purposes.

              (2)    DETERMINATION OF YEARS OF SERVICE FOR PURPOSES OTHER THAN
                     ELIGIBILITY: For all purposes other than eligibility, if
                     the Employee has incurred 5 consecutive Breaks in Service,
                     Years of Service completed prior to such 5 consecutive
                     Breaks in Service will not be counted if the Employee did
                     not have a Vested Interest in his or her Participant's
                     Account and the number of consecutive Breaks in Service
                     equals or exceeds the aggregate number of Years of Service
                     before such period.

              (3)    ENTRY OR REENTRY INTO THE PLAN: Regardless of whether or
                     not such Employee was a Plan Participant before incurring
                     the Break in Service, he or she will be eligible to enter
                     the Plan as a Participant upon satisfaction of the
                     eligibility requirements set forth in Article 2 as though
                     he or she was a new Employee upon the Employee's
                     Re-employment Commencement Date, or if earlier upon
                     satisfaction of the eligibility requirements set forth in
                     Article 2 and the completion of an additional Year of
                     Service after the Employee's Reemployment Commencement
                     Date, at which time the Employee's participation in the
                     Plan will be deemed to have been reinstated as of his or
                     her Re-employment Commencement Date (provided the Employee
                     is re-employed by the Employer).

                                       17
<Page>

              (4)    RE-ENTRY FOR PURPOSES OF MAKING DEFERRALS: Notwithstanding
                     subparagraph (3) to the contrary, such Employee, solely for
                     the purpose of making Elective Deferrals, will re-enter the
                     Plan immediately upon re-employment by the Employer.

       (g)    EMPLOYEES UNDER 2-YEAR FULL AND IMMEDIATE VESTING: If this Plan at
              any time (1) provides in Section 2.1 that an Employee must
              complete 2 Years of Service for eligibility purposes, and (2)
              provides in Section 4.6 that an Employee will have a 100% Vested
              Interest in his or her Participant's Account upon becoming a
              Participant, then the Years of Service of an Employee who incurs a
              Break in Service before satisfying such 2 Years of Service
              eligibility requirement will not be counted for eligibility
              purposes.

                                    ARTICLE 2
                               PLAN PARTICIPATION

2.1    ELIGIBILITY REQUIREMENTS: Any Employee who is not in an ineligible class
       of Employees will be eligible to become a Participant in the Plan in
       accordance with the following provisions:

       (a)    AGE AND SERVICE REQUIREMENT: Anyone who is a Participant on
              January 1, 1997 will continue to participate in the Plan. Any
              other Employee who is not a member of an ineligible class of
              Employees will be eligible to enter the Plan as a Participant when
              he or she reaches Age 21 and completes 1 Year of Service.

       (b)    INELIGIBLE CLASSES OF EMPLOYEES: All Employees are eligible to
              participate in the Plan except for the following ineligible
              classes of Employees: (1) Leased Employees; (2) any person who is
              a director of the Employer and is acting solely in that capacity.

       (c)    PARTICIPATION BY INELIGIBLE EMPLOYEES: If an Employee who is not a
              member of the eligible class of Employees becomes a member of the
              eligible class, such Employee will participate in the Plan
              immediately if he or she has satisfied the minimum age and service
              requirements and would have previously become a Participant had he
              or she been a member of the eligible class. The participation of a
              Participant who becomes a member of an ineligible class will be
              suspended, and such Participant will be entitled to an allocation
              of Employer contributions and Forfeitures for the Plan Year only
              to the extent of Hours of Service completed while a member of an
              eligible class of Employees. Upon returning to an eligible class
              of Employees, a suspended Participant will immediately participate
              again in the Plan. The Vested Interest of a Participant who ceases
              to be a member of an eligible class will continue to increase in
              accordance with Section 4.6.

       (d)    PARTICIPATION BY FORMER PARTICIPANTS: A Participant who terminates
              employment with the Employer for any reason but is subsequently
              reemployed as an Eligible Employee will again become a Participant
              in the Plan as provided in the definition of Year of Service.

                                       18
<Page>

2.2    ENTRY DATE: An Employee will enter the Plan as a Participant retroactive
       to January 1st of the Plan Year in which he or she satisfies the
       eligibility requirements in Section 2.1.

2.3    WAIVER OF PARTICIPATION: An Employee who is otherwise eligible to
       participate in the Plan may elect to waive such participation in
       accordance with the following provisions:

       (a)    IRREVOCABLE ELECTION: An Eligible Employee may make a one-time
              irrevocable election to waive participation in the Plan. However,
              the Administrator may in its sole discretion elect not to make
              this option available to one or more Eligible Employees if the
              Eligible Employee is not an HCE and is not likely to become an HCE
              and if the Administrator determines that such waiver may cause the
              Plan for any Plan Year to fail to satisfy one of the tests set
              forth in Code Section 410(b)(1)(A) or Code Section 410(b)(1)(B)
              and (C). The Employee's election to waive participation in the
              Plan must be in writing and must be delivered to the Administrator
              on or before the date the Employee first becomes eligible to
              participate in the Plan. Notwithstanding the foregoing however,
              once an Employee has become a Participant in the Plan, no waiver
              can be made, except as provided in paragraph (b).

       (b)    ELECTION TO WAIVE ALLOCATION: Notwithstanding paragraph (a) above,
              and subject to the Top-Heavy Minimum Benefit requirements of
              Section 3.6, a Participant may agree to forego an allocation of
              Employer contributions to his or her Participant's Account for all
              or any Plan Years if such Participant is an HCE for such Plan
              Year.

       (c)    ADMINISTRATIVE REQUIREMENTS: The Employee's election to waive
              participation or forego an allocation must be in writing and must
              be delivered to the Administrator on or before the date the
              Employee first becomes eligible to participate in the Plan in the
              case of a waiver under paragraph (a), and before the Participant
              is entitled to an allocation to his or her Participant's Account
              in the case of foregoing such allocation under paragraph (b) for a
              Plan Year. The Administrator will furnish any form required to
              make an election under this Section, which may include the
              requirement for consent by the Employee's Spouse.

2.4    REEMPLOYMENT: If an Employee terminates employment and is subsequently
       re-employed by the Employer or an Affiliated Employer, such Employee's
       Years of Service for purposes of eligibility (as well as the time such
       Employee enters or re-enters the Plan as a Participant) will be
       determined in accordance with the rules described in the definition of
       Years of Service.

2.5    EXCLUSION OF ELIGIBLE EMPLOYEE: If, in any Plan Year, any Employee who
       should be included as a Participant in the Plan is erroneously excluded,
       and discovery of such omission is not made until after a contribution for
       that Plan Year has been made, the Employer will make a subsequent
       contribution to the Plan (if necessary after the

                                       19
<Page>

       application of available forfeitures, if any), or may correct such
       omission by any other method of correction specified in Revenue Procedure
       2000-16 (or in any subsequent Revenue Procedure or guidance issued by the
       Internal Revenue Service) so that the omitted Employee receives the same
       amount which the Employee would have received had he or she not been
       omitted from the Plan.

2.6    INCLUSION OF INELIGIBLE EMPLOYEE: If, in any Plan Year, any person who
       should not have been included as a Participant in the Plan is erroneously
       included, and discovery of that incorrect inclusion is not made until
       after a contribution for the year has been made, and such ineligible
       Employee has not received a distribution of the amount erroneously
       allocated to him or her, the Employer will not be entitled to recover the
       contribution made with respect to the ineligible person, but the amount
       erroneously contributed will be applied as a forfeiture (except for
       elective deferrals in the case of a Code Section 40l(k) plan which will
       be distributed to the ineligible Employee) for the Plan Year in which the
       error is discovered.

                                    ARTICLE 3
                          CONTRIBUTIONS AND ALLOCATIONS

3.1    EMPLOYER CONTRIBUTIONS: Each Plan Year, the Employer will contribute to
       the Plan such amount as it may in its sole discretion determine, subject
       to the following provisions:

       (a)    AMOUNT OF CONTRIBUTION: For each Plan Year beginning before
              January 1, 2000, the Employer will make a money purchase pension
              plan contribution equal to 10% of each Eligible Participant's
              Compensation. The Employer, in its sole discretion, will determine
              the amount of the contribution to be made to the stock bonus plan
              and will notify the Trustee in writing of the amount contributed.
              The Employer's determination of the amount of its contribution
              will be binding on the Trustee, the Administrator and all
              Participants and may not be reviewed in any manner.

       (b)    CONTRIBUTION PERIOD: Each Plan Year, any contribution made under
              the terms of the Plan may, at the election of the Administrator,
              be contributed to the Plan (1) each payroll period; (2) each
              month; (3) each Plan quarter, (4) on an annual basis; or (5) on
              any other less than annual contribution period basis as determined
              by the Employer, provided such contribution period does not
              discriminate in favor of Highly Compensated Employees. The
              Employer may elect a different contribution period for each type
              of contribution.

       (c)    CONTRIBUTION FOR MISTAKENLY EXCLUDED EMPLOYEES: Notwithstanding
              paragraphs (a) and (b), if an Employee should have been included
              as a Participant but is mistakenly excluded for any reason, the
              omission will be corrected as specified in Section 2.5.

       (d)    FORM OF PAYMENT: Employer contributions may be paid to the Plan in
              cash, Company Stock, or any other property permitted under Code
              Section 4975 that is

                                       20
<Page>

              acceptable to the Trustee. However, to the extent the Plan has
              Current Obligations, the Employer's contribution must will be paid
              to the Plan in cash sufficient to satisfy the Plan's Current
              Obligations.

       (e)    REFUND OF CONTRIBUTIONS: Contributions made to the Plan by the
              Employer can only be returned to the Employer in accordance with
              the following provisions:

              (1)    FAILURE TO INITIALLY QUALIFY: If the Plan fails to
                     initially satisfy the requirements of Code Section 401(a)
                     and the Employer declines to amend the Plan to satisfy such
                     requirements, contributions made prior to the date such
                     qualification is denied must be returned to the Employer
                     within 1 year of the date of such denial, but only if the
                     application for the qualification is made by the time
                     prescribed by law for filing the Employer's tax return for
                     the taxable year in which the Plan is adopted, or by such
                     later date as the Secretary of the Treasury may prescribe.

              (2)    CONTRIBUTIONS MADE UNDER A MISTAKE OF FACT: If a
                     contribution is attributable in whole or in part to a good
                     faith mistake of fact, including a good faith mistake in
                     determining the deductibility of the contribution under
                     Code Section 404, then an amount may be returned to the
                     Employer which is equal to the excess of the amount
                     contributed over the amount which would have been
                     contributed had the mistake not occurred. Earnings
                     attributable to any such excess contribution will not be
                     returned, but losses attributable to the excess
                     contribution will reduce the amount so returned. Such
                     amount will be returned within one year of the date the
                     contribution was made or the deduction disallowed, as the
                     case may be.

              (3)    NONDEDUCTIBLE CONTRIBUTIONS: Except to the extent an
                     Employer may intentionally make a nondeductible
                     contribution, for example in order to correct an
                     administrative error or restore a Forfeiture, any
                     contribution by the Employer is conditioned on its
                     deductibility and will otherwise be returned to the
                     Employer.

3.2    ALLOCATION OF EMPLOYER CONTRIBUTIONS: Subject to the Top Heavy allocation
       requirements of Section 3.5 and the Code Section 415 limitations of
       Article 6, Employer contributions will be allocated on the annual
       Valuation Date to each Eligible Participant's Account as follows:

       (a)    ALLOCATION OF CONTRIBUTIONS: The Employers contribution to the
              plan will be allocated on the annual Valuation Date to each
              Eligible Participant's Account in the proportion that the
              Allocation Points (as defined herein) of each such Participant for
              the Plan Year bears to the aggregate Allocation Points of all such
              Participants for such Plan Year.

              For purposes of the Plan, a Participant shall be credited with one
              (1) Allocation point for each One Thousand Dollars ($1,000) of
              Compensation and ten (10)

                                       21
<Page>

              Allocation Points for each Year of Vesting Service, up to a
              maximum of (10) Years of Vesting Service.

       (b)    ALLOCATION OF COMPANY STOCK: Subject to the requirements of
              Section 3.3, Company Stock contributed to or otherwise purchased
              by the Plan will be allocated to each Eligible Participant's
              Company Stock Account in the ratio that each Eligible
              Participant's Compensation bears to the total Compensation of all
              Eligible Participants. However, Company Stock acquired by the Plan
              with the proceeds of an Exempt Loan shall only be allocated to
              each Participant's Company Stock Account upon release from the
              Unallocated Company Stock Suspense Account as provided in Section
              3.3(c) below. Company Stock acquired with the proceeds of an
              Exempt Loan shall be an asset of the Trust Fund and maintained in
              the Unallocated Company Stock Suspense Account. Company Stock
              which has been released from the Unallocated Company Stock Account
              during the Plan Year will be allocated on the annual Valuation
              Date to each Eligible Participant's Company Stock Account in the
              same ratio as described above.

       (c)    ALLOCATION OF OTHER INVESTMENTS: Each Eligible Participant's share
              of cash or property, other than Company Stock and any dividends
              attributable thereto, will be allocated to the Participant's Other
              Investments Account in the ratio that his or her Compensation
              bears to the total Compensation of all Eligible Participants.

       (d)    ALLOCATION OF CASH DIVIDENDS: Any cash dividends received by the
              Plan which are attributable to shares of Company Stock allocated
              to a Participant's Company Stock Account and which are not
              currently distributed in accordance with Section 5.14 will be
              allocated to the Participant's Other Investments Account.

3.3    COMPANY STOCK ACCOUNT: Company Stock allocable under Section 3.2 to an
       Eligible Participant's Company Stock Account, or Company Stock released
       from the Unallocated Company Stock Account during the Plan Year, will be
       allocated to an Eligible Participant's Company Stock Account on the
       annual Valuation Date in accordance with the following provisions:

       (a)    COMPANY STOCK: Each Eligible Participant's Company Stock Account
              will be credited with his or her allocable share of Company Stock
              (including fractional shares) purchased and paid for by the Plan
              or contributed in kind by the Employer. However, all Company Stock
              acquired by the Plan with the proceeds of an Exempt Loan must be
              added to and maintained in the Unallocated Company Stock Suspense
              Account. Such Company Stock shall be released and withdrawn from
              that account as if all Company Stock in that account were
              encumbered. In the case of a Sponsor that is an electing small
              business corporation, the Plan may not use any dividends on any
              allocated shares of Company Stock to pay an Exempt Loan that was
              used to purchase Company Stock. Cash dividends paid on Company
              Stock in a Participant's Company Stock Account will, in the sole
              discretion of the Administrator, either be credited to the
              Participant's Account or will be used to repay an Exempt Loan.
              However, (1) when cash dividends are

                                       22
<Page>

              used to repay an Exempt Loan, Company Stock will be released from
              the Unallocated Company Stock Suspense Account and will be
              allocated to each Eligible Participant's Company Stock Account in
              the ratio that each Eligible Participant's Compensation for the
              Plan Year bears to the total Compensation of all Eligible
              Participants for the Plan Year, and (2) Company Stock allocated to
              a Participant's Company Stock Account will have a fair market
              value not less than the amount of cash dividends which would have
              been allocated to such Participant's Account for the Plan Year.

       (b)    UNALLOCATED COMPANY STOCK ACCOUNT: Any Company Stock which is
              acquired with an Exempt Loan and is in the Unallocated Company
              Stock Account will only be withdrawn and allocated to
              Participants' Accounts in accordance with the following
              provisions:

              (1)    METHOD OF WITHDRAWING COMPANY STOCK FROM THE ACCOUNT: For
                     each Plan Year during the duration of an Exempt Loan, the
                     number of shares of Company Stock released from the Company
                     Stock Account will equal the number of shares held therein
                     immediately before release for the current Plan Year
                     multiplied by a fraction, the numerator of which is the
                     amount of principal and interest paid for the Plan Year and
                     the denominator of which is the sum of the numerator plus
                     the principal and interest to be paid for all future Plan
                     Years.

              (2)    METHOD OF ALLOCATING WITHDRAWN COMPANY STOCK TO
                     PARTICIPANTS: As of each Anniversary Date, the Plan must
                     consistently allocate to each Participant's Account, in the
                     same manner as Employer contributions under Section 3.1 are
                     allocated, non-monetary units (shares and fractional shares
                     of Company Stock) representing each Participant's interest
                     in Company Stock withdrawn from the Unallocated Company
                     Stock Suspense Account. However, Company Stock released
                     from the Unallocated Company Stock Account with cash
                     dividends pursuant to paragraph (a) will be allocated to
                     each Eligible Participant's Company Stock Account in the
                     same proportion that each such Participant's number of
                     shares of Company Stock sharing in such cash dividends
                     bears to the total number of shares of all Eligible
                     Participants' Company Stock sharing in such cash dividends.

              (3)    ALLOCATION OF INCOME: Income earned on Company Stock in the
                     Unallocated Company Stock Account will be used, at the
                     discretion of the Administrator, to repay the Exempt Loan
                     used to purchase such Company Stock Company Stock released
                     from the Unallocated Company Stock Account with such
                     income, and any income which is not so used, will be
                     allocated on the annual Valuation Date in the same
                     proportion that each Eligible Participant's Compensation
                     for the Plan Year bears to the total Compensation of all
                     Eligible Participants for the Plan Year.

                                       23
<Page>

       (c)    CODE Section 1042 STOCK: Notwithstanding the foregoing to the
              contrary, any portion of the Plan's assets which are attributable
              to (or allocable in lieu of) Company Stock acquired by the Plan in
              a sale to which Code Section 1042 or Section 2057 applies will be
              allocated as follows:

              (1)    NO ALLOCATION PERMITTED TO CERTAIN PARTICIPANTS: No portion
                     of any such assets may be allocated directly or indirectly
                     under this Plan or any other qualified plan of the Employer
                     during the Non-Allocation Period for the benefit of any
                     taxpayer who makes an election under Code Section 1042(a)
                     with respect to Company Stock or any decedent if the
                     executor of the estate of such decedent makes a qualified
                     sale to which Code Section 2057 applies; for the benefit of
                     any individual who is related to the taxpayer or the
                     decedent within the meaning of Code Section 267(b); or for
                     the benefit of any other person who owns, after applying
                     Code Section 318(a), more than 25% of any class of
                     outstanding stock of the Employer or of any corporation
                     which is a member of the same controlled group of
                     corporations within the meaning of Code Section 409(l)(4)
                     as the Employer; or the total value of any class of
                     outstanding stock of the Employer. For purposes hereof,
                     Code Section 318(a) will be applied without regard to the
                     employee trust exception in Code Section 318(a)(2)(B)(i);
                     and a person will be treated as failing to meet the stock
                     ownership limitation set forth in herein if such person
                     fails such limitation at any time during the 1-year period
                     ending on the date of sale of qualified securities to the
                     Plan, or on the date as of which such qualified securities
                     are allocated to Participants in the Plan.

              (2)    EXCEPTION FOR CERTAIN LINEAL DESCENDANTS: The restrictions
                     set forth in subparagraph (1) will not apply to any
                     individual who is a lineal descendant of the taxpayer if
                     the aggregate amount allocated to the benefit of all lineal
                     descendants during the Non-Allocation Period does not
                     exceed more than 5% of the Company Stock (or amounts
                     allocated in lieu thereof) held by the Plan which are
                     attributable to a sale to the Plan by any person related to
                     such descendants within the meaning of Code Section
                     267(c)(4) in a transaction to which Code Section 1042
                     applied.

              (3)    DEFINITION OF NON-ALLOCATION PERIOD: For purposes of this
                     paragraph (c), the term Non-Allocation Period as used above
                     means the 10-year period beginning on the later of (1) the
                     date of the sale of the qualified securities, or (2) the
                     date of the Plan allocation attributable to the final
                     payment of acquisition indebtedness incurred in connection
                     with such sale.

3.4    ALLOCATION OF EARNINGS AND LOSSES: As of each Valuation Date, accounts
       which have not been distributed since the prior Valuation Date will have
       the net income of the Trust Fund earned since the prior Valuation Date
       allocated in accordance with such rules and procedures as may be
       established by the Administrator, and applied in a uniform and
       nondiscriminatory manner; or accounts will be valued and adjusted as
       hereinafter set forth in this Section.

                                       24
<Page>

       (a)    DEFINITION OF NET INCOME: For purposes of this Section, the term
              "net income" means the net of any interest, dividends, unrealized
              appreciation and depreciation (other than the unrealized
              appreciation or depreciation of the Company Stock allocated to the
              Participants' Company Stock Accounts), capital gains and losses,
              and investment expenses of the Trust Fund as determined on each
              Valuation Date. Net income does not include (1) the interest paid
              under any installment contract for the purchase of Company Stock
              by the Plan or the interest paid on any loan used by the Plan to
              purchase Company Stock; or (2) income received by the Trust Fund
              with respect to Company Stock acquired with an Exempt Loan to the
              extent such income is used to repay the loan. All income received
              by the Trust Fund from Company Stock acquired with the proceeds of
              an Exempt Loan may, at the discretion of the Administrator, be
              used to repay such loan.

       (b)    ALLOCATIONS TO NON-SEGREGATED ACCOUNTS: All accounts (other than
              Company Stock Accounts) which have not been segregated from the
              general Trust Fund for investment purposes will for investment
              purposes have net income allocated thereto in the ratio that the
              value of each non-segregated account as of the preceding Valuation
              Date bears to the total value of all non-segregated accounts as of
              the preceding Valuation Date. The Forfeiture Account will share in
              the allocation made under this paragraph.

       (c)    ALLOCATIONS TO SEGREGATED ACCOUNTS: Accounts (other than Company
              Stock Accounts) which have been segregated from the general Trust
              Fund for investment, including any Directed Investment Accounts
              that may be established in accordance with Section 7.15 and any
              other accounts, including Directed Investment Accounts, which are
              valued on a daily basis will only have the net income earned
              thereon allocated thereto. Any Policy dividends or credits will be
              allocated to the Participant's Account for whose benefit the
              Policy is held.

3.5    ALLOCATION OF FORFEITURES: As of the annual Valuation Date, any portion
       of the Forfeiture Account which has not been used to pay administrative
       expenses of the Plan will be allocated to each Eligible Participant's
       Account in proportion that the Allocation Points (as defined herein) of
       each such Participant for the Plan Year bears to the aggregate Allocation
       Points of all such Participants for such Plan Year.

       For purposes of the Plan, a Participant shall be credited with one (1)
       Allocation point for each One Thousand Dollars ($1,000) of Compensation
       and ten (10) Allocation Points for each Year of Vesting Service, up to a
       maximum of (10) Years of Vesting Service.

3.6    TOP HEAVY MINIMUM ALLOCATION: In any Top Heavy Plan Year in which a Key
       Employee receives an allocation of Employer contributions (including
       Elective Deferrals and/or Qualified Matching Contributions) or
       Forfeitures, each Employee who is described in paragraph (a) below will
       receive the Top Heavy benefit required under the provisions of Code
       Section 416, such benefit to be determined in accordance with the
       following provisions:

                                       25
<Page>

       (a)    PARTICIPANTS WHO MUST RECEIVE THE TOP HEAVY MINIMUM ALLOCATION:
              For each Plan Year in which a Top Heavy contribution is required,
              the Top Heavy Minimum Allocation (or such lesser amount as may be
              permitted under paragraph (b) below) will be made for each
              Participant who is a Non-Key Employee and is employed by an
              Employer on the last day of the Plan Year and is in an eligible
              class of Employees as described in Section 2.1, even if such
              Participant (1) fails to complete any minimum Hours of Service or
              Period of Service required to receive an allocation of Employer
              contributions or Forfeitures for the Plan Year; (2) fails to make
              elective contributions to the Plan in the case of a cash or
              deferred arrangement; (3) receives Compensation that is less than
              a stated amount; or (4) declines to make a mandatory Employee
              contribution to the Plan.

       (b)    LESSER ALLOCATION ALLOWED: If the amount of Employer contributions
              and Forfeitures allocated to the Participant's Account of each Key
              Employee for the Plan Year is less than 3% of his or her
              Compensation, and if this Plan is not required to be included in
              an Aggregation Group to enable a defined benefit plan to meet the
              requirements of Code Section 401(a)(4) or Section 410, then the
              allocation made under this Section for each Participant who is
              described in paragraph (a) above must be equal to the largest
              percentage of Employer contributions and Forfeitures allocated to
              the Participant's Account of a Key Employee for that Plan Year
              (determined after taking into account elective contributions made
              by a Key Employee to a cash or deferred arrangement maintained by
              the Employer).

       (c)    PARTICIPATION IN MULTIPLE DEFINED CONTRIBUTION PLANS: If a
              Participant described in paragraph (a) above participates in this
              Plan and in one or more defined contribution plans that are
              included with this Plan in a Required Aggregation Group, and if
              the allocation of Employer contributions and Forfeitures in this
              Plan or any other such defined contribution plan is insufficient
              to satisfy the Top Heavy requirement with respect to such
              Participant, such requirement will nevertheless be deemed to be
              satisfied if the aggregate allocation of Employer contributions
              and Forfeitures under this Plan and all other such plans on behalf
              of the Participant is sufficient to satisfy the Top Heavy
              requirement. If not, the Employer will make an additional
              contribution to this Plan and/or to one or more such plans on
              behalf of the Participant in order that the aggregate allocation
              of Employer contributions and Forfeitures to this Plan and all
              such plans satisfies the Top Heavy requirements.

                                    ARTICLE 4
                                  PLAN BENEFITS

4.1    BENEFIT UPON NORMAL OR EARLY RETIREMENT: Every Participant who has
       reached Normal Retirement Age (or Early) Retirement Age) and who does not
       remain employed by the Employer will be entitled upon termination of
       employment to receive his or her Vested Aggregate Account balance
       determined as of the most recent Valuation Date coinciding with or
       immediately preceding the date of distribution. Distribution will made
       under Section 5.1.

                                       26
<Page>

4.2    BENEFIT UPON LATE RETIREMENT: A Participant who reaches Normal (or Early)
       Retirement Age and who remains employed by the Employer will continue to
       participate in the Plan and will continue to receive allocations under
       Article 3 until he or she terminates employment with the Employer, at
       which time the Participant will be entitled to his or her Vested
       Aggregate Account balance determined as of the most recent Valuation Date
       coinciding with or immediately preceding the date of distribution.
       Distribution will be made under Section 5.1.

4.3    BENEFIT UPON DEATH: Upon the death of a Participant prior to Termination
       of Employment, or upon the death of a Terminated Participant prior to
       distribution of his or her Vested Aggregate Account, his or her
       Beneficiary will be entitled to the Participant's Vested Aggregate
       Account balance determined as of the most recent Valuation Date
       coinciding with or immediately preceding the date of distribution. If any
       Beneficiary who is alive on the date of the Participant's death dies
       before receiving the entire death benefit to which he or she is entitled,
       the balance of the death benefit will be distributed to the Beneficiary's
       beneficiary in accordance with Section 5.2. The Administrator's
       determination that a Participant has died and that a particular person
       has a right to receive a death benefit will be final. Distribution will
       be made under Section 5.2.

4.4    BENEFIT UPON DISABILITY: If a Participant suffers a Disability prior to
       Termination of Employment and terminates employment with the Employer as
       a result of that Disability, or if a Terminated Participant suffers a
       Disability prior to a distribution of his or her Vested Aggregate Account
       balance, he or she will be entitled to his or her Vested Aggregate
       Account balance determined as of the most recent Valuation Date
       coinciding with or immediately preceding the date of distribution.
       Distribution will be made under Section 5.3.

4.5    BENEFIT UPON TERMINATION: A Participant who incurs a Termination of
       Employment will be entitled to his or her Vested Aggregate Account
       determined as of the most recent Valuation Date coinciding with or
       immediately preceding the date of distribution. A Terminated
       Participant's Vested Aggregate Account will be distributed under Section
       5.4 unless, prior to the time of distribution set forth therein, the
       Participant (1) dies, in which case distribution will be made under 5.2;
       or (2) suffers a Disability, in which case distribution will be made
       under Section 5.3.

4.6    DETERMINATION OF VESTED INTEREST: A Participant's Vested Interest in his
       or her Participant's Account will be determined in accordance with the
       following provisions:

       (a)    100% VESTING UPON RETIREMENT OR DEATH: A Participant will have a
              100% Vested Interest in his Participant's Account upon reaching
              Normal Retirement Age prior to Termination of Employment, or upon
              death prior to that date.

       (b)    VESTING PRIOR TO RETIREMENT OR DEATH: Except as otherwise provided
              in paragraph (a) above, a Participant's Vested Interest in his or
              her Participant's Account at any given time, including Termination
              of Employment prior to Normal Retirement Age or death, will be
              determined in a non-Top Heavy Plan

                                       27
<Page>

              Year by the vesting schedule which immediately follows this
              paragraph based on the number of Years of Service the Participant
              has completed on the date of determination. In determining a
              Participant's Vested Interest hereunder, Years of Service during
              any period for which the Employer did not maintain this Plan or a
              predecessor plan will be disregarded.

<Table>
<Caption>
                     YEARS OF SERVICE   VESTED INTEREST
                             <S>              <C>
                             1                  0%
                             2                  0%
                             3                  0%
                             4                  0%
                             5                100%
</Table>

       (c)    VESTING IN A TOP HEAVY PLAN YEAR: Notwithstanding the vesting
              schedule in paragraph (b), the Vested Interest of a Participant's
              Account in a Top Heavy Plan Year will be determined by the vesting
              schedule which immediately follows this paragraph. If this Plan
              ceases to be Top Heavy and the vesting schedule in paragraph (b)
              becomes effective, a Participant's Vested Interest as determined
              under the vesting schedule in this paragraph cannot be reduced.
              Furthermore, any such reversion to the vesting schedule in
              paragraph (b) will be considered an amendment to this Section and
              will be treated in accordance with the provisions paragraph (d) of
              this Section pertaining to such amendments.

<Table>
<Caption>
                     YEARS OF SERVICE   VESTED INTEREST
                             <S>              <C>
                             2                 20%
                             3                 40%
                             4                 60%
                             5                 80%
                             6                100%
</Table>

       (d)    AMENDMENTS TO VESTING SCHEDULE: No amendment may directly or
              indirectly reduce a Participant's Vested Interest in his or her
              Participant's Account. If the Plan is amended in any way that
              directly or indirectly affects the computation of a Participant's
              Vested Interest in his or her Participant's Account or the Plan is
              deemed amended by an automatic change to or from a Top Heavy
              vesting schedule, the following provisions will apply:

              (1)    PARTICIPANT ELECTION: Any Participant with at least three
                     Years of Service may, by filing a written request with the
                     Administrator, elect to have the Vested Interest in his or
                     her Participant's Account computed by the vesting schedule
                     in effect prior to the amendment. A Participant who fails
                     to make an election will have his or her Vested Interest
                     computed under the new schedule. The period during in the
                     election may be made will begin on the date the amendment
                     is adopted or is deemed to be made and will end on the
                     latest of (1) 60 days after the amendment is adopted; (2)
                     60 days after the amendment becomes effective; or (3) 60
                     days after the

                                       28
<Page>

                     Participant is issued written notice of the amendment by
                     the Employer or Administrator.

              (2)    PRESERVATION OF VESTED INTEREST: Notwithstanding the
                     foregoing to the contrary, if the vesting schedule is
                     amended, then in the case of an Employee who is a
                     Participant as of the later of the date such amendment is
                     adopted or the date it becomes effective, the Vested
                     Interest in his or her Participants Account determined as
                     of such date will not be less than his or her Vested
                     Interest computed under the Plan without regard to such
                     amendment.

                                    ARTICLE 5
                            DISTRIBUTION OF BENEFITS

5.1    BENEFIT UPON RETIREMENT: Unless a cash-out occurs under Section 5.5, the
       retirement benefit a Participant is entitled to receive under Section 4.1
       or 4.2 will be distributed as follows:

       (a)    FORM OF DISTRIBUTION: A Participant's retirement benefit will be
              distributed in monthly, quarterly, semi-annual or annual
              installments over a period certain that does not extend beyond the
              Participant's life, or beyond the lives of the Participant and a
              designated Beneficiary (or beyond the life expectancy of the
              Participant or the joint and last survivor expectancy of the
              Participant and a designated Beneficiary). The Trustee may make
              the installment payments by segregating and separately investing
              the lump sum value of the Participant's retirement benefit and
              paying the installments from the Plan, or by purchasing a
              nontransferable annuity which provides for the installment
              payments.

       (b)    SPECIAL RULE FOR COMPANY STOCK: Unless the Participant elects in
              writing a longer distribution period under paragraph (a),
              distribution of a Participant's Company Stock Account will be in
              substantially equal monthly, quarterly, semiannual, or annual
              installments over a period not longer than 5 years. If the
              Participant's Company Stock Account balance exceeds $500,000, the
              5 year period will be extended 1 additional year (but not more
              than 5 additional years) for each $100,000 or fraction thereof by
              which the Participant's Company Stock Account balance exceeds
              $500,000. The dollar limits herein will be adjusted at the same
              time and in the same manner as provided in Code Section 415(d).

       (c)    TIME OF DISTRIBUTION: Distribution under this Section will be made
              within a reasonable time after the Participant's actual retirement
              date, but distribution must begin no later than the Participant's
              Required Beginning Date. Notwithstanding the foregoing,
              distribution of a Participant's Company Stock Account will begin
              no later than 1 year after the close of the Plan Year in which the
              Participant actually retires unless the Participant otherwise
              elects, except that Company Stock acquired with the proceeds of an
              Exempt Loan will be excluded until the close of the Plan Year in
              which such loan is repaid in full.

                                       29
<Page>

5.2    BENEFIT UPON DEATH: Unless a cash-out occurs under Section 5.5, a
       deceased Participant's death benefit as determined under Section 4.3 wilt
       be distributed as follows:

       (a)    SURVIVING SPOUSE: Notwithstanding any other Beneficiary
              designation made by a Participant, if a Participant is married on
              the date of death, the surviving spouse will be entitled to
              receive 100% of the deceased Participant's death benefit unless
              the surviving spouse has waived that right under Section 5.8. The
              benefit will be distributed in monthly, quarterly, semi-annual or
              annual installments over a period certain that does not extend
              beyond the life of the surviving spouse or beyond the life
              expectancy of the surviving spouse. The Trustee may make the
              installment payments by segregating and separately investing the
              lump sum value of the benefit and paying the installments from the
              Plan, or by purchasing a nontransferable annuity which provides
              for the installments. The surviving spouse may (1) elect to have
              any death benefit to which he or she is entitled distributed
              within a reasonable time after the death of the Participant; or
              (2) elect to defer distribution of the death benefit, but
              distribution may not be deferred beyond December 31st of the
              calendar year in which the deceased Participant would have
              attained Age 70 1/2.

       (b)    DEATH OF SURVIVING SPOUSE BEFORE DISTRIBUTION BEGINS: If the
              surviving spouse dies before distribution of the death benefit
              begins, then distribution of the benefit will be made as if the
              surviving spouse were the Participant. Distribution will be
              considered as having commenced when the deceased Participant would
              have reached Age 70 1/2 even if payments have been made to the
              surviving spouse before that date.

       (c)    NON-SPOUSE BENEFICIARY: Any death benefit payable to a non-spouse
              Beneficiary will be distributed in monthly, quarterly, semi-annual
              or annual installments over a period certain that does not extend
              beyond the life of the Beneficiary or beyond the life expectancy
              of the Beneficiary. The Trustee may make the installment payments
              by segregating and separately investing the lump sum value of the
              death benefit and paying the installments from the Plan, or by
              purchasing a nontransferable annuity which provides for
              installments. Distribution will be made within a reasonable time
              after the death of the Participant; but distribution must begin no
              later than December 31st of the calendar year immediately
              following the calendar year in which the Participant died.

       (d)    SPECIAL RULE FOR COMPANY STOCK: If a Beneficiary elects to receive
              a lump sum payment, distribution of the Company Stock Account will
              begin no later than 1 year after the close of the Plan Year in
              which the Participant dies unless the Beneficiary otherwise
              elects. If a Beneficiary elects installments, distribution of the
              Company Stock Account will be in substantially equal monthly,
              quarterly, semiannual, or annual installments over a period not
              longer than 5 years unless the Beneficiary elects in writing a
              longer distribution period. If the deceased Participant's Company
              Stock Account balance exceeds $500,000, the 5 year period will be
              extended 1 additional year (but not more than 5 additional years)

                                       30
<Page>

              for each $100,000 or fraction thereof by which the Participant's
              Company Stock balance exceeds $500,000. The dollar limits herein
              will be adjusted at the same time and in the same manner as
              provided in Code Section 415(d). Notwithstanding the foregoing,
              Company Stock acquired with the proceeds of an Exempt Loan will be
              excluded from distribution until the close of the Plan Year in
              which such loan is repaid in full.

       (e)    PARTICIPANTS IN PAY STATUS: If a Participant who has started
              receiving distribution of his or her retirement benefit dies
              before the entire benefit has been distributed, the balance of the
              benefit will be distributed to the Participant's Beneficiary at
              least as rapidly as under the method of distribution being used on
              the date of the Participant's death.

       (f)    PAYMENTS TO A BENEFICIARY OF A BENEFICIARY: In the absence of a
              Beneficiary designation or other directive from the deceased
              Participant to the contrary, any Beneficiary may name his or her
              own Beneficiary to receive any benefits payable in the event of
              the Beneficiary's death prior to receiving the entire death
              benefit to which the Beneficiary is entitled. If a Beneficiary has
              not named his or her own Beneficiary, the Beneficiary's estate
              will be the Beneficiary. If any benefit is payable under this
              paragraph to a Beneficiary of the deceased Participant's
              Beneficiary or to the estate of the deceased Participant's
              Beneficiary, or to any other Beneficiary or the estate thereof,
              subject to the limitations regarding the latest dates for benefit
              payment in paragraphs (a) and (c), the Administrator may (1)
              continue to pay the remaining value of such benefits in the amount
              and form already commenced, or pay such benefits in any other
              manner permitted under the Plan for a Participant or Beneficiary,
              and (2) if payments have not already commenced, pay such benefits
              in any other manner permitted under the Plan. Distribution to the
              Beneficiary of a Beneficiary must begin no later than the date
              distribution would have been made to the Participant's
              Beneficiary. The Administrator's determination under this
              paragraph will be final and will be applied in a manner that does
              not discriminate in favor of Highly Compensated Employees.

5.3    DISABILITY BENEFITS: Unless a cash-out occurs under Section 5.5, a
       Participant's Disability benefit as determined under Section 4.4 will be
       distributed as follows:

       (a)    FORM OF DISTRIBUTION: A Participant's Disability benefit will be
              distributed in monthly, quarterly, semi-annual or annual
              installments over a period certain that does not extend beyond the
              Participant's life, or beyond the lives of the Participant and a
              designated Beneficiary (or beyond the life expectancy of the
              Participant or the joint and last survivor expectancy of the
              Participant and a designated Beneficiary). The Trustee may make
              the installment payments by segregating and separately investing
              the lump sum value of the Participant's Disability benefit and
              paying the installments from the Plan, or by purchasing a
              nontransferable annuity which provides for the installment
              payments.

                                       31
<Page>

       (b)    SPECIAL RULE FOR COMPANY STOCK: Unless the Participant elects in
              writing a longer distribution period under paragraph (a),
              distribution of a Participant's Company Stock Account will be in
              substantially equal monthly, quarterly, semiannual, or annual
              installments over a period not longer than 5 years. If the
              Participant's Company Stock Account balance exceeds $500,000, the
              5 year period will be extended 1 additional year (but not more
              than 5 additional years) for each $100,000 or fraction thereof by
              which the Participant's Company Stock Account balance exceeds
              $500,000. The dollar limits herein will be adjusted at the same
              time and in the same manner as provided in Code Section 415(d).

       (c)    TIME OF DISTRIBUTION: Distribution under this Section will be made
              within a reasonable time after the date on which the Participant
              who suffers the Disability actually retires, but distribution must
              begin no later than the Participant's Required Beginning Date.
              Notwithstanding the foregoing, distribution of a Participant's
              Company Stock Account will begin no later than 1 year after the
              close of the Plan Year in which the Participant who suffers a
              Disability actually retires unless the Participant otherwise
              elects, except that Company Stock acquired with the proceeds of an
              Exempt Loan will be excluded until the close of the Plan Year in
              which such loan is repaid in full.

5.4    BENEFIT UPON TERMINATION: Unless a cash-out occurs under Section 5.5 or a
       prior distribution has been made under Section 5.2 or Section 53, the
       benefit a Terminated Participant is entitled to receive under Section 4.5
       will be distributed as follows:

       (a)    FORM OF DISTRIBUTION: A Terminated Participant's benefit will be
              distributed in monthly, quarterly, semi-annual or annual
              installments over a period certain that does not extend beyond
              such Participant's life, or beyond the lives of the Participant
              and a designated Beneficiary (or beyond the life expectancy of the
              Participant or the joint and last survivor expectancy of the
              Participant and a designated Beneficiary). The Trustee may make
              the installment payments by segregating and separately investing
              the lump sum value of a Terminated Participant's benefit and
              paying the installments from the Plan, or by purchasing a
              nontransferable annuity which provides for the installment
              payments.

       (b)    SPECIAL RULE FOR COMPANY STOCK: Unless a Terminated Participant
              elects in writing a longer distribution period under paragraph
              (a), distribution of his or her Company Stock Account will be in
              substantially equal monthly, quarterly, semiannual, or annual
              installments over a period not longer than 5 years. If a
              Terminated Participant's Company Stock Account exceeds $500,000,
              the 5 year period will be extended t additional year (but not more
              than 5 additional years) for each $100,000 or fraction thereof by
              which the Participant's Company Stock Account balance exceeds
              $500,000. The dollar limits herein will be adjusted at the same
              time and in the same manner as provided in Code Section 415(d).

       (c)    TIME OF DISTRIBUTION: Distribution under this Section will be made
              within a reasonable time after Termination of Employment occurs,
              but must begin no later

                                       32
<Page>

              than the Required Beginning Date. However, if a Terminated
              Participant is not reemployed by the Employer at the end of the
              5th Plan Year following the Plan Year of his or her Termination of
              Employment, distribution of his or her Company Stock Account will
              begin not later than 1 year after the close of the 5th Plan Year
              following the Plan Year in which the Participant incurs such
              Termination of Employment. However, if a Terminated Participant is
              reemployed by the Employer as of the last DAY of the 5th Plan Year
              following the Plan Year of such Termination of Employment,
              distribution of his or her Company Stock Account will be postponed
              until the Participant is otherwise entitled to a distribution
              under the Plan. For purposes of this paragraph, Company Stock
              acquired with the proceeds of an Exempt Loan will be excluded
              until the close of the Plan Year in which such loan is repaid in
              full.

5.5    CASH-OUT OF BENEFITS: The Administrator, without the consent of the
       Participant, may distribute a Participant's Vested Aggregate Account in a
       lump sum any time after a Participant terminates employment, subject to
       the following provisions:

       (a)    GENERAL RULE: The Administrator can only make distribution under
              this Section (1) with regard to distributions made for Plan Years
              beginning prior to August 6, 1997 (or such later date as
              determined by the Administrator), if the Participant's Vested
              Aggregate Account on the date he or she terminates employment with
              the Employer does not exceed, or at the time of any prior
              distribution did not exceed, $3,500 (or such lesser amount as may
              be designated by the Administrator); and (2) for Plan Years
              beginning on or after August 6, 1997 (or such later date as
              determined by the Administrator), if a Participant's Vested
              Aggregate Account on the date he or she terminates employment with
              the Employer does not exceed, or at the time of any prior
              distribution did not exceed, $5,000 (or such lesser amount as may
              be designated by the Administrator). Any such distribution will be
              made as soon as administratively feasible after the date the
              Participant terminates employment, and any portion of the
              Participant's Account which is not Vested will be treated as a
              Forfeiture.

       (b)    LATER DISTRIBUTION IF ACCOUNT FALLS TO $5,000: With regard to
              distributions made for Plan Years beginning on or after October
              17, 2000, if a Participant would have received a distribution
              under paragraph (a) but for the fact that the Participant's Vested
              Aggregate Account exceeded $5,000 (or such lesser amount as may be
              designated by the Administrator) when the Participant terminated
              employment, and if at a later time the Participant's Vested
              Aggregate Account is reduced to an amount not greater than $5,000
              (or such lesser amount as may be designated by the Administrator),
              the Administrator may distribute such remaining amount in a lump
              sum without the Participant's consent as soon as administratively
              feasible after the date the Participant terminates employment, and
              any portion of the Participant's Account which is not Vested will
              be treated as a Forfeiture.

       (c)    DEEMED DISTRIBUTION: If a Participant's Vested Interest in his or
              her Participant's Account is zero on the date the Participant
              terminates employment,

                                       33
<Page>

              the Participant will be deemed to have received a distribution of
              such Vested Interest on the date of such termination.

5.6    RESTRICTIONS ON IMMEDIATE DISTRIBUTIONS: If a Participant's Vested
       Aggregate Account exceeds the amount set forth in paragraph (a) of this
       Section and is immediately distributable, such account can only be
       distributed in accordance with the following provisions:

       (a)    GENERAL RULE: If a Participant's Vested Aggregate Account balance
              exceeds $5,000, or if there are remaining payments to be made with
              respect to a particular distribution option that previously
              commenced, and such amount is immediately distributable, the
              Participant must consent to any distribution of such amount. Any
              portion of the Participant's Account which is not Vested will be
              treated as a Forfeiture. If less than the entire Vested Aggregate
              Account balance is distributed, the part of the non-Vested portion
              that will be treated as a Forfeiture is the total non-Vested
              portion multiplied by a fraction, the numerator of which is the
              amount of the distribution attributable to Employer contributions
              and the denominator of which is the total value of the Vested
              Interest in the Participant's Account.

       (b)    TRANSITION RULE: Notwithstanding paragraph (a), with regard to
              distributions made prior to October 17, 2000, if a Participant's
              Vested Aggregate Account balance exceeded $3,500 (or exceeded
              $3,500 at the time of any prior distribution) for Plan Years
              beginning before August 6, 1997 (or such later date as determined
              by the Administrator), or (2) exceeded $5,000 (or exceeded $5,000
              at the time of any prior distribution) for Plan Years beginning
              after August 5, 1997 (or such later date as determined by the
              Administrator) and for a distribution made prior to October 17,
              2000; or (3) either exceeded $5,000 or was a remaining payment
              under a selected optional form of payment that exceeded $5,000 at
              the time the selected payment began for Plan Years beginning after
              August 5, 1997 (or such later date as determined by the
              Administrator) and for a distribution made after October 16, 2000,
              and if the account balance is immediately distributable, then the
              Participant must consent to any distribution of such account
              balance.

       (c)    DEFINITION OF IMMEDIATELY DISTRIBUTABLE: A Participant's benefit
              is immediately distributable if any part of the benefit could be
              distributed to the Participant (or the Participant's surviving
              spouse) before the Participant reaches (or would have reached if
              not deceased) the later of his or her Normal Retirement Age or Age
              62.

       (d)    GENERAL CONSENT REQUIREMENT: The consent of the Participant to any
              benefit that is immediately distributable must be obtained in
              writing within the 90-day period ending on the Annuity Starting
              Date. However, the Participant will not be required to consent to
              a distribution that is required by Code Section 401(a)(9) or
              Section 415.

                                       34
<Page>

       (e)    NOTIFICATION REQUIREMENTS: The Administrator must notify the
              Participant of the right to defer any distribution until the
              benefit is no longer immediately distributable. Notification will
              include a general explanation of the material features and
              relative values of the optional forms of benefit available under
              the Plan in a manner that would satisfy the notice requirements of
              Code Section 417(a)(3); and will be provided no less than 30 days
              or more than 90 DAYS prior to the Annuity Starting Date.

       (f)    WAIVER OF 30-DAY REQUIREMENT: For Plan Years beginning on or after
              January 1, 1997, distribution of the Participants benefit may
              begin less than 30 days after the notice described in paragraph
              (c) is given if (1) the Administrator clearly informs the
              Participant that the Participant has a right to a period of at
              least 30 days after receiving notice to consider the decision of
              whether or not to elect a distribution; (2) the Participant, after
              receiving the notice, affirmatively elects a distribution (or a
              particular distribution option).

       (g)    CONSENT NOT NEEDED ON PLAN TERMINATION: If upon Plan termination
              neither the Employer nor an Affiliated Employer maintains another
              defined contribution plan other than an employee stock ownership
              plan (ESOP) as defined in Code Section 4975(e)(7), the
              Participant's benefit will, without the Participant's consent, be
              distributed to the Participant. If the Employer or an Affiliated
              Employer maintains another defined contribution plan other than an
              ESOP, the Participant's benefit will, without the Participant's
              consent, be transferred to the other plan if the Participant does
              not consent to an immediate distribution hereunder.

5.7    RESTORATION OF FORFEITED ACCOUNT BALANCE: If a Participant who does not
       have a 100% Vested Interest in his or Participant's Account terminates
       employment with the Employer and receives (or is deemed to have received)
       a distribution of such Vested Interest from the Plan, and such
       Participant is subsequently rehired by the Employer, his or her
       Participant's Account upon such reemployment will be administered in
       accordance with the following provisions:

       (a)    REEMPLOYMENT BEFORE FIVE CONSECUTIVE BREAKS IN SERVICE: If a
              terminated Participant is reemployed by the Employer before
              incurring five consecutive Breaks in Service, such Participant's
              Account balance will be restored in accordance with the following:

              (1)    PARTIALLY VESTED PARTICIPANTS: If upon termination of
                     employment a Participant has a partially Vested
                     Participant's Account, upon reemployment by the Employer
                     prior to incurring five consecutive Breaks in Service, such
                     Participant's Account balance will be restored to the
                     amount on the date of distribution if the Participant
                     repays to the Plan the fill amount of the distribution
                     attributable to Employer contributions before the earlier
                     of five years after the first date on which the Participant
                     is subsequently re-employed by the Employer or the date on
                     which the Participant incurs five consecutive Breaks in
                     Service following the date of distribution.

                                       35
<Page>

              (2)    NON-VESTED PARTICIPANTS: If upon termination of employment
                     a Participant's Vested Interest in his or her Participant's
                     Account is zero and such Participant is deemed to have
                     received a distribution of such Vested Interest before the
                     date on which he or she incurs five consecutive Breaks in
                     Service, then upon reemployment prior to incurring five
                     consecutive Breaks in Service, such Participant's Account
                     balance which was attributable to Employer contributions
                     will be restored to the amount on the date of the deemed
                     distribution.

              (3)    SOURCE OF FUNDS: The Administrator, on a case by case
                     basis, may elect to restore a Participant's Account balance
                     under this Section by the use of Forfeitures, by the use of
                     earnings from non-segregated Trust Fund accounts, by the
                     use of Employer contributions, or by the use of any
                     combination thereof.

       (b)    REEMPLOYMENT AFTER FIVE CONSECUTIVE BREAKS IN SERVICE: If a
              terminated Participant is reemployed by the Employer after
              incurring five consecutive Breaks in Service, that portion, if
              any, of his or her Participant's Account which is (or is deemed to
              be) a Forfeiture will be permanently forfeited under the terms of
              this Plan.

5.8    SPOUSAL CONSENT REQUIREMENTS: A surviving spouse's election not to
       receive a death benefit under Section 5.2 will not be effective unless
       (1) the election is in writing; (2) the election designates a specific
       Beneficiary or form of benefit which may not be changed without spousal
       consent (or the spouse's consent expressly permits designations by the
       Participant without any requirement of further spousal consent); and (3)
       the spouse's consent acknowledges the effect of the election and is
       witnessed by the Administrator or a notary public.

5.9    APPLICATION OF CODE SECTION 401(a)(9): All distributions made under the
       terms of the Plan will be determined and made in accordance with the
       regulations issued under Code Section 401(a)(9), including the minimum
       distribution incidental benefit requirement of regulation Section
       1.401(a)(9)-2, and any provisions in this Plan which reflect Code Section
       401(a)(9) will override any distribution options which are inconsistent
       with such Code section and regulations. If Participant's Vested Aggregate
       Account is paid in a form that is based on life expectancies through
       other than the purchase of an immediate annuity, the joint life
       expectancies of the Participant and his or her Spouse will be
       recalculated annually unless the Participant elects the non-recalculation
       method of determining life expectancy. In the case of any other
       Beneficiary, life expectancy will be calculated when payment first
       commences, and payments for any 12-consecutive month period will be based
       on such life expectancy minus the number of whole years passed since
       distribution commenced.

5.10   STATUTORY COMMENCEMENT OF BENEFITS: Unless the Participant otherwise
       elects, distribution of a Participant's benefit must begin no later than
       the 60th day after the latest of the close of the Plan Year in which the
       Participant (1) reaches the earlier of Age 65 or Normal Retirement Age;
       (2) reaches the 10th anniversary of the year

                                       36
<Page>

       the Participant commenced Plan participation; or (3) terminates service
       with the Employer. However, the failure of a Participant and the
       Participant's spouse to consent to a distribution while a benefit is
       immediately distributable within the meaning of Section 5.6 above will be
       deemed to be an election to defer commencement of payment of any benefit
       sufficient to satisfy this Section. In addition, if this Plan provides
       for early retirement, a Participant who satisfied the service requirement
       for early retirement prior to Termination of Employment will be entitled
       to receive his or her Vested Aggregate Account balance, if any, upon
       satisfaction of the age requirement for early retirement.

5.11   DISTRIBUTION IN EVENT OF LEGAL INCAPACITY: If any person who is entitled
       to receive a distribution of benefits (the "Payee") suffers from a
       Disability or is under a legal incapacity, payments may be made in one or
       more of the following ways as directed by the Administrator: (a) to the
       Payee directly; (b) to the guardian or legal representative of the
       Payee's person or estate; (c) to a relative of the Payee, to be expended
       for the Payee's benefit; or (d) to the custodian of the Payee under any
       Uniform Transfers to Minors Act or under any Uniform Gifts To Minors Act.
       The Administrator's determination of the minority or incapacity of any
       payee will be final.

5.12   MISSING PARTICIPANTS: Neither the Trustee nor the Administrator will be
       required to search for or ascertain the whereabouts of any Participant or
       Beneficiary. With respect to a Participant or Beneficiary who has not
       claimed any benefit (the "missing payee") to which such missing payee is
       entitled, and with respect to any Participant or Beneficiary who has not
       satisfied the administrative requirements for benefit payment, the
       following provisions will apply:

       (a)    ATTEMPT TO CONTACT AND FORFEITURE OF BENEFIT: The Administrator
              will notify a missing payee that he or she is entitled to a
              distribution under the Plan, by certified or registered mail
              addressed to the missing payee's last known address. The
              Administrator, in its sole discretion, may also utilize other
              methods of locating a missing payee, including letter forwarding
              programs offered by the Internal Revenue Service or the Social
              Security Administration, or internet or other search services
              offered by the Pension Benefit Guaranty Corporation (PBGC) if such
              services are made available to defined contributions plans; or by
              placing public notices in a local newspaper. If a missing payee
              fails to make his or her whereabouts known in writing to the
              Trustee or Administrator or otherwise fails to claim a benefit, or
              the administrative requirements for benefit payment for any payee
              are not satisfied, upon the earlier to occur of (1) the later of
              the date the Plan is terminated or discontinued or six months from
              the date the notice was mailed or (2) the date which is two years
              from the date the notice was mailed, the Administrator may, but
              will not be required to, treat the payee's benefit as a
              forfeiture, subject to paragraphs (b) and (c).

       (b)    ALTERNATIVE METHODS TO FORFEITURE: In lieu of Forfeiture under
              paragraph (a), the Administrator may elect one the following
              alternatives described below:

              (1)    DIRECT ROLLOVER TO IRA: If a Participant's Vested Aggregate
                     Account balance (determined before taking into account his
                     or her Rollover

                                       37
<Page>

                     Account) on the date he or she terminated employment with
                     the Employer does not exceed $5,000 (or such lesser amount
                     as may be designated by the Administrator), the
                     Administrator may elect to make distribution under this
                     Section in the form of a direct rollover to an individual
                     retirement account (IRA) if it can be established by the
                     Administrator at a qualified financial institution. In
                     establishing any such IRA, the Administrator will select an
                     IRA trustee, custodian or issuer that is unrelated to the
                     Employer or Administrator and will make the initial
                     investment choices for the IRA. The default direct rollover
                     will occur not less than 30 days and not more than 90 days
                     after the Code Section 402(f) notice with the explanation
                     of the default direct rollover is provided to the
                     Participant or other payee.

              (2)    ESCHEAT TO THE STATE: The Administrator may elect to
                     escheat the payee's benefit to the state in which the
                     Sponsor's principal place of business is located.

              (3)    OTHER METHODS OF DISTRIBUTION: The Administrator may elect
                     to distribute a payee's benefit by any other method
                     approved by the United States Department of the Treasury
                     and/or by the United States Department of Labor.

       (c)    CONDITIONS FOR RESTORATION OF FORFEITED BENEFIT: If a payee whose
              benefit has been forfeited under paragraph (a) is located, or if a
              payee whose benefit has been forfeited under paragraph (a) for
              failure to satisfy the administrative requirements for benefit
              payment subsequently satisfies the administrative requirements for
              benefit payment and claims the benefit, and if the Plan has not
              terminated (or if the Plan has, all benefits have not yet been
              paid), then the benefit will be restored. The Administrator, on a
              case by case basis, may elect to restore the benefit by the use of
              either earnings from non-segregated Trust Fund assets, or Employer
              contributions, or any combination thereof. However, if such
              missing payee has not been located by the time the Plan terminates
              and all benefits have been distributed therefrom, the Forfeiture
              of such unpaid benefit will be irrevocable.

5.13   DIRECT ROLLOVERS: A distributee may elect to have any portion of an
       eligible rollover distribution paid directly to an eligible retirement
       plan specified by the distributee in a direct rollover, which is a
       payment by the Plan to the eligible retirement plan specified by the
       distributee.

       (a)    ELIGIBLE ROLLOVER DISTRIBUTION: n eligible rollover distribution
              is any distribution of all or any portion of the balance to the
              credit of the distributee, except that an eligible rollover
              distribution does not include any distribution that is one of a
              series of substantially equal periodic payments (not less
              frequently than annually) made for the life (or life expectancy)
              of the distributee or the joint lives (or joint life expectancies)
              of the distributee and the distributee's designated beneficiary,
              or for a specified period of ten years or more; any distribution
              to the extent such distribution is required under Code Section
              401(a)(9); the portion of any distribution that is not includible
              in gross income (determined without regard to the exclusion for

                                       38
<Page>

              net unrealized appreciation with respect to employer securities);
              and for Plan Years beginning on or after January 1, 2000, the
              portion of any distribution which is attributable to a hardship
              distribution described in Code Section 401(k)(2)(B)(i)(IV).

       (b)    ELIGIBLE RETIREMENT PLAN: An eligible retirement plan is an
              individual retirement account described in Code Section 408(a), an
              individual retirement annuity described in Code Section 408(b), an
              annuity plan described in Code Section 403(a), or a qualified
              trust described in Code Section 401(a), that accepts the
              distributee's eligible rollover distribution. However, in the case
              of an eligible rollover distribution to the surviving spouse, an
              eligible retirement plan is an individual retirement account or
              individual retirement annuity.

       (c)    DEFINITION OF DISTRIBUTEE: For purposes of this Section, a
              distributee includes an Employee or former Employee. In addition,
              an Employee's or former Employee's Surviving Spouse and an
              Employee's or former Employee's spouse or former Spouse who is the
              alternate payee under a qualified domestic relations order as
              defined in Code Section 414(p), are distributees with regard to
              the interest of the Spouse or former Spouse.

5.14   FORM OF DISTRIBUTION: All distributions made under the other provisions
       of this Article 5 will be in the form of cash or Company Stock, or both,
       subject to the following provisions:

       (a)    PARTICIPANT MAY DEMAND COMPANY STOCK: Prior to making any
              distribution from the Plan, the Administrator will advise a
              Participant or Beneficiary in writing of his or her right to
              demand that benefits be distributed solely in Company Stock. If
              the Participant or Beneficiary fails to make such demand in
              writing within 90 days after receipt of such written notice, the
              Participant's Vested Aggregate Account will be distributed in the
              form of Company Stock to the extent it is allocated to the
              Participant's Company Stock Account, and the balance, if any, of
              the Vested Aggregate Account will be distributed in cash.

       (b)    STOCK MUST BE DISTRIBUTED IN WHOLE SHARES: If a Participant or
              Beneficiary demands that benefits be distributed solely in Company
              Stock, distribution will be made entirely in whole shares of
              Company Stock. Any balance in a Participant's Account not
              attributable to Company Stock will be applied by the Trustee to
              acquire for distribution the maximum number of whole shares of
              Company Stock at the then fair market value. Any unexpended
              balance in the Participant's Account will be distributed in cash.
              If the Trustee is unable to purchase the Company Stock required
              for the distribution, the Trustee will make distribution in cash
              within one year after the date the distribution was to have been
              made, except in the case of a retirement distribution which must
              be made within 60 days after the close of the Plan Year in which
              retirement occurs.

       (c)    RESTRICTIONS ON DISTRIBUTED STOCK: Except as provided herein,
              distributed Company Stock may be restricted as to sale or transfer
              by the by-laws or articles of incorporation of the Employer if the
              restrictions are applicable to all Company

                                       39
<Page>

              Stock of the same class. If a Participant is required to offer the
              sale of his Company Stock to the Employer before offering it to a
              third party, the Employer may not pay a price less than that
              offered to the distributee by another potential buyer making a
              bona fide offer, and the Trustee may not pay a price less than the
              fair market value of the Company Stock.

       (d)    MULTIPLE CLASSES OF COMPANY STOCK ACQUIRED WITH EXEMPT LOAN: If
              Company Stock which was acquired with an Exempt Loan and which is
              available for distribution consists of more than one class of
              stock, a Participant's or Beneficiary's distribution must receive
              substantially the same proportion of each such class of such
              stock.

5.15   CASH DIVIDENDS ON COMPANY STOCK: At the Administrator's discretion, cash
       dividends received on Company Stock allocated to Participants' Company
       Stock Accounts may be distributed currently (or within 90 days after the
       end of the Plan Year in which such dividends are paid to the Plan) in
       cash to such Participants on a nondiscriminatory basis.

5.16   RIGHT OF FIRST REFUSAL: If Company Stock which is not readily tradeable
       on an established securities market is distributed to a Participant, then
       except as otherwise provided in this Section, if any Participant,
       Beneficiary, or any other person to whom shares of Company Stock are
       distributed (all such persons hereafter called the Selling Participant)
       at any time desires to sell some or all of such shares (such shares
       hereafter called the Offered Shares) to a third party (such third party
       hereafter called the Third Party), then the Selling Participant must give
       written notice of such desire to the Employer and the Administrator,
       subject to the following provisions:

       (a)    REQUIREMENTS OF WRITTEN NOTICE: The written notice required to be
              given hereunder must contain the number of shares offered for
              sale, the proposed terms of the sale, and the names and addresses
              of both the Selling Participant and the Third Party.

       (b)    TRUST FUND AND EMPLOYER: Both the Plan and the Employer will have
              the right of first refusal for a period of 14 days from the date
              the Selling Participant gives written notice to the Employer and
              Administrator (such 14 day period to run concurrently against the
              Plan and the Employer) to acquire the Offered Shares. As between
              the Plan and the Employer, the Plan will have priority to acquire
              the shares pursuant to the right of first refusal. The selling
              price and terms will be the same as offered by the Third Party.

       (c)    THIRD PARTIES: If the Plan and the Employer do not exercise their
              respective rights of first refusal within the required 14 day
              period provided above, the Selling Participant will have the
              right, at any time following the expiration of such 14 day period,
              to dispose of the Offered Shares to the Third Party, provided,
              however, that no disposition will be made to the Third Party on
              terms more favorable to the Third Party than those set forth in
              the written notice delivered by the Selling Participant. If a
              Third Party is offered terms more favorable than

                                       40
<Page>

              those set forth in the written notice delivered to the Plan and
              the Employer, then the Offered Shares wilt again be subject to the
              right of first refusal.

       (d)    TIME OF CLOSING: The closing pursuant to the exercise of the right
              of first refusal will take place at such place as is agreed upon
              between the Administrator and the Selling Participant, but not
              later than 10 days after the Employer or the Plan has notified the
              Selling Participant of the exercise of the right of first refusal.
              At closing, the Selling Participant will deliver certificates
              representing the Offered Shares duly endorsed in blank for
              transfer, or with stock powers attached duly executed in blank
              with all required transfer tax stamps attached or provided for,
              and the Employer or the Trustee will deliver the purchase price,
              or an appropriate portion thereof, to the Selling Participant.

       (e)    STOCK ACQUIRED WITH AN EXEMPT LOAN: Notwithstanding the foregoing,
              Company Stock acquired with an Exempt Loan will be subject to a
              right of first refusal only for so long as such stock is not
              publicly traded on an established securities market. The selling
              price and other terms under the right of first refusal must not be
              less favorable to the setter than the greater of (1) the value of
              the stock determined under regulation Section 54.4975-11(d)(5), or
              (2) the purchase price and other terms offered by a buyer (other
              than the Employer or the Plan) making a good faith offer to
              purchase the stock. The right of first refusal must lapse no later
              than 14 days after the Selling Participant gives written notice to
              the Administrator and Employer that an offer from a Third Party
              has been received for the Offered Shares. The right of first
              refusal will comply with paragraphs (a) through (c) above, except
              to the extent they conflict with this paragraph.

5.17   PUT OPTION: If Company Stock which is not readily tradeable on an
       established securities market is distributed to a Participant, he will
       have a right to require the Employer to repurchase such Company Stock
       under a fair valuation formula, subject to the following provisions:

       (a)    STOCK ACQUIRED WITH AN EXEMPT LOAN: Company Stock acquired with an
              Exempt Loan will be subject to a put option if (1) such stock is
              not readily tradeable as set forth above, or (2) if such stock is
              subject to a trading limitation when distributed. For purposes of
              this Section, a trading limitation is a restriction under any
              federal or state securities law, or an agreement, not prohibited
              by this Section, which would make such stock not as freely
              tradeable as stock not subject to such restriction.

       (b)    CONDITIONS OF EXERCISE: The put option may only be exercised BY a
              Participant, by the Participant's donees, or by a person
              (including an estate or its distributee) to whom the Company Stock
              passes upon a Participant's death. The put option must permit a
              Participant to put the Company Stock to the Employer. Under no
              circumstances may the put option bind the Plan, but it must grant
              the Plan an option to assume the rights and obligations of the
              Employer at the time the put option is exercised. If it is known
              at the time a loan is made that federal or state law will be
              violated by the Employer's honoring such put option, the put
              option

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<Page>

              must permit the Company Stock to be put, in a manner consistent
              with law, to a third party (for example, an affiliate of the
              Employer or a shareholder other than the Plan) that has
              substantial net worth at the time the Exempt Loan is made and
              whose net worth is reasonably expected to remain substantial.

       (c)    DURATION OF PUT OPTION: The put option will begin as of the day
              following the date the Company Stock is distributed, and end 60
              days thereafter. If not exercised within such 60-day period, an
              additional 60 day-period will begin on the first day after the new
              determination of the value of the Company Stock by the Trustee in
              the following Plan Year. With respect to Company Stock that is
              publicly traded without restrictions when distributed but ceases,
              after distribution, to be so traded within either of the 60-day
              periods described herein, the Employer must notify each holder
              thereof in writing on or before the 10th day after the date such
              stock ceases to be so traded that for the remainder of the
              applicable 60-day period such stock is subject to the put option.
              The notice must inform distributees of the terms of the put option
              that they are to hold, and such terms must satisfy the
              requirements of this Section. The period during which a put option
              is exercisable does not include any time when a distributee is
              unable to exercise it because the party bound by the option is
              prohibited from honoring it by federal or state law.

       (d)    MANNER OF EXERCISE: The put option will be exercised by the holder
              notifying the Employer in writing that the put option is being
              exercised. The notice will state the name and address of the
              holder and the number of shares to be sold.

       (e)    PAYMENT TERMS: The price at which a put option must be exercised
              is the value of the Company Stock determined under regulation
              Section 54.4975-11(d)(5). The provisions for payment must be
              reasonable. The deferral of payment is reasonable if adequate
              security and a reasonable interest rate are provided for any
              credit extended and if the cumulative payments at any time are not
              less than the aggregate of reasonable periodic payments as of such
              time. Periodic payments are reasonable if annual installments,
              beginning 30 days after the date the put option is exercised, are
              substantially equal. Generally, the payment period may not be more
              than 5 years after the date the put option is exercised. However,
              it may be extended to a date no later than the earlier of 10 years
              from the date the put option is exercised or the date the proceeds
              of the loan used by the Plan to acquire the Company Stock subject
              to the put option are entirely repaid.

       (f)    PAYMENT RESTRICTIONS: Payment under a put option cannot be
              restricted by the provisions of a loan or any other arrangement,
              including the terms of the Employer's articles of incorporation or
              bylaws, unless so required under applicable state law. An
              arrangement involving the Plan that creates a put option cannot
              provide for the issuance of put options other than provided for
              under this Section. The Plan cannot otherwise obligate itself to
              acquire Company Stock from a particular holder thereof at an
              indefinite time determined upon the happening of an event such as
              the death of the holder.

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<Page>

       (g)    PAYMENT REQUIREMENTS FOR TOTAL DISTRIBUTIONS: Notwithstanding the
              foregoing, and with respect to Company Stock which is not readily
              tradeable and which is acquired after December 31, 1986, if a
              distribution of such stock constitutes a Total Distribution,
              payment of the fair market value of a Participant's Company Stock
              Account will be made in 5 substantially equal annual payments. The
              first installment will be paid not later than 30 days after the
              Participant exercises the put option. The Plan will pay a
              reasonable rate of interest and provide adequate security on
              amounts not paid after 30 days. For purposes of this Section, the
              term Total Distribution means the distribution with one taxable
              year to the recipient of the balance of his Company Stock Account.

       (h)    PAYMENT REQUIREMENTS FOR INSTALLMENT DISTRIBUTIONS:
              Notwithstanding paragraph (g) above, if the distribution does not
              constitute a Total Distribution, the Plan will pay the Participant
              an amount equal to the fair market value of the Company Stock
              repurchased no later than 30 days after the Participant exercises
              the put option.

5.18   NON-TERMINABLE RIGHTS AND PROTECTIONS: Except as otherwise provided in
       Section 5.16 and 5.17, no Company Stock acquired with an Exempt Loan may
       be subject to a put, call, or other option, or buy-sell or similar
       arrangement when held by and distributed from the Plan, whether or not
       the Plan is then an Employee Stock Ownership Plan (ESOP). The rights and
       protections granted in this Section and in Section 5.16 and 5.17 are
       non-terminable and will continue to exist under the terms of the Plan as
       long as any Company Stock acquired with an Exempt Loan is held by the
       Plan or by any Participant or any other person for whose benefit such
       protections and rights have been created, and neither the repayment of
       such loan nor the failure of the Plan to be an ESOP, nor any amendment of
       the Plan, will cause a termination of said protections and rights.

5.19   PRE-RETIREMENT DISTRIBUTIONS: Except as may otherwise be permitted under
       Section 4.2, no distributions are permitted before a Participant
       terminates employment with the Employer

5.20   FINANCIAL HARDSHIP DISTRIBUTIONS: Hardship distributions are not
       permitted.

5.21   SPECIAL DISTRIBUTION RULE FOR S-CORPORATIONS: In the case of an Employer
       that is an electing small business corporation, such Employer may elect
       to distribute a Participant's benefit solely in the form of cash,
       notwithstanding a Participant's right as otherwise set forth in this Plan
       to receive a distribution in the form of Company Stock.

                                    ARTICLE 6
                          CODE SECTION 415 LIMITATIONS

6.1    MAXIMUM ANNUAL ADDITION: The maximum Annual Addition (as defined in
       paragraph (c) below) made to a Participant's various accounts maintained
       under the Plan

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<Page>

       for any Limitation Year beginning after December 31, 1986 will not exceed
       the lesser of the Dollar Limitation set forth in Section 6.1(a) or the
       Compensation Limitation set forth in Section 6.1(b), as follows:

       (a)    DOLLAR LIMITATION: For Limitation Years beginning after December
              31, 1994, the Dollar Limitation is $30,000 as annually adjusted in
              accordance with Code Section 415(d).

       (b)    COMPENSATION LIMITATION: The Compensation Limitation is an amount
              equal to 25% of the Participants Code Section 415 Compensation for
              the Limitation Year. However, this limitation will not apply to
              any contribution made for medical benefits within the meaning of
              Code Section 401(h) or Code Section 419A(f)(2) after separation
              from service which is otherwise treated as an Annual Addition
              under Code Section 415(l)(1) or Code Section 419A(d)(2).

       (c)    DETERMINATION OF EMPLOYER CONTRIBUTIONS: For purposes of
              paragraphs (a) and (b), the amount of Employer contributions will
              be determined based upon the lesser of (1) the fair market value
              of the Company Stock allocated to the Participant's Account from
              Employer contributions to the Plan (determined at the time of the
              contribution by the most recent valuation) plus any contributions
              which are not used to purchase Company Stock or pay on an Exempt
              Loan; and (2) the amount of the Employer's cash contribution to
              the Plan.

       (d)    ANNUAL ADDITIONS: The term Annual Additions means the sum of the
              following amounts credited to a Participants Account for the
              Limitation Year: (1) Employer contributions; (2) Employee
              contributions; (3) Forfeitures; (4) amounts allocated, after March
              31, 1984, to an individual medical account, as defined in Code
              Section 415(1)(2), which is part of a pension or annuity plan
              maintained by the Employer; and (5) amounts derived from
              contributions paid or accrued after December 31, 1985, in taxable
              years ending after such date, which are attributable to
              post-retirement medical benefits, allocated to the separate
              account of a key employee, as defined in Code Section 419A(d)(3),
              under a welfare fund, as defined in Code Section 419(e),
              maintained by the Employer. Notwithstanding the foregoing, a
              Participant's Annual Additions do not include his or her
              rollovers, loan repayments, repayments of prior Plan distributions
              or prior distributions of mandatory contributions, direct
              transfers of contributions from another plan to this Plan,
              deductible contributions to a simplified employee pension plan, or
              voluntary deductible contributions.

       (e)    SPECIAL RULE FOR ESOPS: If no more than one-third of Employer
              contributions for the Plan Year which are deductible under Code
              Section 404(a)(9) are allocated to Highly Compensated Employees,
              the limitations of this Section will not apply to Forfeitures of
              Company Stock that was acquired with Exempt Loan or to Employer
              contributions which are deductible under Code Section 404(a)(9)(B)
              and are charged against a Participants Account.

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<Page>

6.2    ADJUSTMENTS TO MAXIMUM ANNUAL ADDITION: In applying the limitation on
       Annual Additions set forth in Section 6.1, the following adjustments must
       be made:

       (a)    SHORT LIMITATION YEAR: In a Limitation Year of less than 12
              months, the Defined Contribution Dollar Limitation in Section 6.1
              (a) will be adjusted by multiplying it by the ratio that the
              number of months in the short Limitation Year bears to 12.

       (b)    MULTIPLE DEFINED CONTRIBUTION PLANS: If a Participant participates
              in multiple defined contribution plans sponsored by the Employer
              which have different Anniversary Dates, the maximum Annual
              Addition in this Plan for the Limitation Year will be reduced by
              the Annual Additions credited to the Participant in the other
              defined contribution plans during the Limitation Year. If a
              Participant participates in multiple defined contribution plans
              sponsored by the Employer which have the same Anniversary Date,
              then (1) if only one of the plans is subject to Code Section 412,
              Annual Additions will first be credited to the Participant's
              account in the plan subject to Code Section 412; and (2) if more
              than one of the plans is subject to Code Section 412, the maximum
              Annual Addition in this Plan for a given Limitation Year will be
              equal to the product of the maximum Annual Addition for such
              Limitation Year minus any other Annual Additions previously
              credited to the Participant's account under clause (1) above,
              multiplied by the ratio that the Annual Additions which would be
              credited to a Participant's accounts hereunder without regard to
              the limitations in Section 6.1 bears to the Annual Additions for
              all plans described in this clause (2).

6.3    MULTIPLE PLANS AND MULTIPLE EMPLOYERS: All defined benefit plans (whether
       terminated or not) of the Employer will be treated as one defined benefit
       plan, and all defined contribution plans (whether terminated or not) of
       the Employer will be treated as one defined contribution plan. In
       addition, all Affiliated Employers will be considered a single employer.

6.4    ADJUSTMENT FOR EXCESSIVE ANNUAL ADDITIONS: If for any Limitation Year the
       Annual Additions allocated to a Participant's Account exceeds the maximum
       amount permitted under Section 6.1 above because of an allocation of
       Forfeitures, a reasonable error in estimating a Participant's
       Compensation, a reasonable error in determining the amount of elective
       contributions (within the meaning of Code Section 402(g)(3)), or because
       of other limited facts and circumstances that the Commissioner finds
       justify the availability of the rules set forth in this Section, then
       such Participant's Account will be adjusted as follows in order to reduce
       the excess Annual Additions:

       (a)    RETURN OF EMPLOYEE CONTRIBUTIONS: First, Voluntary Employee
              Contributions, if any, and second, the amount of elective
              deferrals and corresponding Employer matching contributions, if
              any, to the extent that they would reduce the excess amount, will
              be calculated. Such elective deferrals and Voluntary Employee
              Contributions plus attributable earnings, will be returned to the
              Participant. Any Employer matching contribution amount will be
              applied as described in (b) or (c)

                                       45
<Page>

              below, depending on whether the Participant is covered by the Plan
              at the end of the Limitation Year.

       (b)    EXCESS USED TO REDUCE EMPLOYER CONTRIBUTIONS IF PARTICIPANT IS
              STILL COVERED BY THE PLAN: If, after the application of paragraph
              (a), an excess amount still exists and the Participant is covered
              by the Plan at the end of the Limitation Year, the excess amount
              in the Participant's Account plus applicable earnings thereon, if
              any, will be used to reduce Employer contributions (including any
              allocation of Forfeitures) for such Participant in the next
              Limitation Year, and in each succeeding Limitation Year if
              necessary.

       (c)    EXCESS USED TO REDUCE EMPLOYER CONTRIBUTIONS IF PARTICIPANT IS NOT
              COVERED BY THE PLAN: If, after the application of paragraph (a),
              an excess amount still exists and the Participant is not covered
              by the Plan at the end of a Limitation Year, the excess amount,
              plus applicable earnings thereon, if any, will be held unallocated
              in a suspense account. The suspense account will be applied to
              reduce future Employer contributions (including the allocation of
              any Forfeitures) for all remaining Participants in the next
              Limitation Year, and in each succeeding Limitation Year if
              necessary.

       (d)    SUSPENSE ACCOUNT: If a suspense account is in existence at any
              time during a Limitation Year pursuant to this Section, such
              suspense account will not participate in the allocation of the
              Trust's investment gains and losses. If a suspense account is in
              existence at any time during a particular Limitation Year, all
              amounts in the suspense account must be allocated and reallocated
              to Participants' Accounts before any Employer Contributions or any
              Employee contributions may be made to the Plan for that Limitation
              Year. Excess amounts may not be distributed to Participants or
              former Participants.

6.5    MULTIPLE PLAN REDUCTION: For Limitation Years beginning before January 1,
       2000, if an Employee is, or has been, a Participant in one or more
       Employer-sponsored defined benefit plans and in one or more
       Employer-sponsored defined contribution plans, the sum of the defined
       benefit plan fraction and the defined contribution plan fraction for any
       Limitation Year may not exceed 1.0, determined in accordance with the
       following provisions:

       (a)    DEFINED BENEFIT FRACTION: The Defined Benefit Fraction is a
              fraction which has as its numerator the Participant's Projected
              Annual Benefits determined as of the close of the Limitation Year
              and which has as its denominator the lesser of 125% of the dollar
              limitation for the Limitation Year determined under Code Section
              415(b) and (d), or 140% of the amount taken into account under
              Code Section 415(b)(l)(B) for such Limitation Year.
              Notwithstanding the foregoing, with respect to anyone who was a
              Participant as of the first day of the first Limitation Year
              beginning after December 31, 1986, in one or more defined benefit
              plans maintained by the Employer which were in existence on May 6,
              1986, the denominator of the defined benefit fraction will not be
              less than 125% of the Current Accrued Benefit.

                                       46
<Page>

       (b)    DEFINITIONS: As used in paragraph (a) above, (1) the term
              Projected Annual Benefits means the annual benefits payable to a
              Participant under all defined benefit plans (whether terminated or
              not) of the Employer as determined under income tax regulation
              Section 1.415-7(b)(3); and (2) the term Current Accrued Benefit
              means a Participant's accrued benefit under a defined benefit
              plan, determined as if the Participant had separated from service
              as of the close of the last Limitation Year beginning before
              January 1, 1987, when expressed as an annual benefit within the
              meaning of Code Section 415(b)(2). In determining a Participant's
              Current Accrued Benefit, the Administrator will disregard any
              changes in the terms and conditions of the Plan after May 5, 1986,
              and any cost of living adjustment occurring after May 5, 1986. The
              Current Accrued Benefit will only be used as set forth above if
              the defined benefit plans individually and in the aggregate
              satisfied the requirements of Code Section 415 for all Limitation
              Years beginning before January 1, 1987.

       (c)    DEFINED CONTRIBUTION FRACTION: The Defined Contribution Fraction
              is a fraction the numerator of which is the sum of the Annual
              Additions to the Participant's account under all the defined
              contribution plans (whether terminated or not) maintained by the
              Employer for the current Limitation Year and all prior Limitation
              Years (including the Annual Additions attributable to the
              Participant's non-deductible contributions to all Employer
              maintained defined benefit plans, whether terminated or not, and
              the Annual Additions attributable to all welfare benefit funds, as
              defined in Code Section 419(e), and individual medical accounts,
              as defined in Code Section 415(1)(2) maintained by the Employer),
              and the denominator of which is the sum of the maximum aggregate
              amounts for the current Limitation Year and all prior Limitation
              Years the Employee was employed by the Employer (regardless of
              whether a defined contribution plan was maintained by the
              Employer). The maximum permissible aggregate amount in any
              Limitation Year is the lesser of (1) 125% of the dollar limitation
              in effect in Code Section 415(c)(1)(A) for such Limitation Year
              determined without regard to Code Section 415(c)(6) and adjusted
              per regulation Section 1.415-7(d)(1) and Notice 83-10, or (2) 35%
              of the Participant's Code Section 415 Compensation.

       (d)    TRANSITION RULE: For defined contribution plans in effect on or
              before July 1, 1982, the Administrator may elect for any
              Limitation Year ending after December 31, 1982 that the
              denominator will be the product of the denominator for the
              Limitation Year ending in 1982 determined under the law in effect
              for such Limitation Year, multiplied by the Transition Fraction,
              which is a fraction which has as its numerator the lesser of
              $51,875 or 1.4 multiplied by 25% of the Participant's Code Section
              415 Compensation for the Plan Year ending in 1981, and which has
              as its denominator the lesser of $41,500 or 25% of the
              Participant's Code Section 415 Compensation for the Plan Year
              ending in 1981. In any Top Heavy Limitation Year, $41,500 will be
              substituted for $51,875 in determining the Transition Fraction
              unless the Extra Minimum Allocation is being provided in Section
              3.5. In a Super Top Heavy Limitation Year, $41,500 will always be
              substituted for $51,875. A Super Top Heavy Limitation Year is any
              Limitation Year in which the Top Heavy Ratio exceeds 90%.

                                       47
<Page>

       (e)    ADJUSTMENT OF FRACTION: If an Employee was a Participant as of the
              end of the first day of the first Limitation Year beginning after
              December 31, 1986 in one or more defined contribution plans
              maintained by the Employer which were in existence on May 6, 1986,
              the numerator of the defined contribution fraction will be
              adjusted if the sum of such defined contribution fraction and the
              defined benefit fraction would otherwise exceed 1.0 under the
              terms of this Plan. Under the adjustment, an amount equal to the
              product of the excess of the sum of the defined benefit fraction
              and the defined contribution fraction over 1.0 multiplied by the
              denominator of the defined contribution fraction will be
              permanently subtracted from the numerator of the defined
              contribution fraction. The adjustment will be calculated using the
              fractions as they would be computed as of the end of the last
              Limitation Year beginning before January 1, 1987, disregarding any
              changes in the terms and conditions of the Plan made after May 5,
              1986, but using the Code Section 415 limitation applicable to the
              first Limitation Year beginning on or after January 1, 1987.

       (f)    TOP HEAVY ADJUSTMENTS TO MULTIPLE PLAN FRACTION: In any Top Heavy
              Limitation Year, 100% will be substituted for 125% in paragraphs
              (a) and (c) unless an eligible Non-Key Employee (1) is being
              provided a 7.5% allocation under Section 3.5(d); or (2) is being
              provided a retirement benefit under a defined benefit plan equal
              to 3% of average monthly Code Section 415 Compensation. However,
              in any Super Top Heavy Limitation Year (which means the Top Heavy
              Ratio exceeds 90% for that Limitation Year), 100% will be
              substituted for 125% in any event. If the 100% limitation is
              exceeded for any Participant in any Limitation Year, then (1) the
              Participant's accrued benefit in the defined benefit plan will not
              be increased; no (2) Annual Additions may be credited to the
              Participant's accounts under this Plan; and (3) the Participant
              may not make any contributions, whether voluntary or mandatory, to
              this Plan or any other Employer-sponsored qualified plan.

                                    ARTICLE 7
                              DUTIES OF THE TRUSTEE

7.1    APPOINTMENT, RESIGNATION, REMOVAL AND SUCCESSION: This Plan will have one
       or more individual Trustees, a corporate Trustee, or any combination
       thereof, appointed as follows:

       (a)    APPOINTMENT OF TRUSTEE: Each Trustee will be appointed by the
              Sponsor and will serve until its successor has been named or until
              such Trustee's resignation, death, incapacity, or removal, in
              which event the Employer will name a successor Trustee. The term
              Trustee will include the original and any successor Trustees.

       (b)    RESIGNATION OF TRUSTEE: A Trustee may resign any time by giving 30
              DAYS written notice in advance to the Sponsor, unless such notice
              is waived by the Sponsor. The Sponsor may remove a Trustee any
              time, with or without cause, by giving written notice of the
              removal to the Trustee. Unless waived in writing by the Sponsor,
              if any Trustee who is an Employee, a Self-Employed Individual or

                                       48
<Page>

              an Owner-Employee resigns or terminates employment with, or
              ownership of, the Sponsor or an Adopting Employer for any reason,
              such termination will constitute an immediate resignation as a
              Trustee of the Plan.

       (c)    SUCCESSOR TRUSTEE: Each successor Trustee will succeed to the
              title to the Trust by filing a written acceptance of appointment
              with the former Trustee and the Sponsor. The former Trustee, upon
              receipt of such acceptance, will execute all documents and perform
              all acts necessary to vest the Trust Fund's title of record in any
              successor Trustee. No successor Trustee will be personally liable
              for any act or failure to act of any predecessor Trustee.

       (d)    MERGER OF CORPORATE TRUSTEE: If any corporate Trustee, before or
              after qualification, changes its name, consolidates or merges with
              another corporation, or otherwise reorganizes, any resulting
              corporation which succeeds to the fiduciary business of such
              Trustee will become a Trustee hereunder in lieu of such corporate
              Trustee.

7.2    INVESTMENT ALTERNATIVES OF THE TRUSTEE: The Trustees will implement an
       investment program to invest primarily in Company Stock and to accomplish
       the Employer's other investment objectives. In addition to powers given
       by law, the Trustees may:

       (a)    PROPERTY: Invest the Trust Fund in any form of property, including
              common and preferred stocks, exchange covered call options, bonds,
              money market instruments, mutual funds, savings accounts,
              certificates of deposit, Treasury bills, insurance policies and
              contracts, or in any other property, real or personal, foreign or
              domestic, having a ready market including securities issued by an
              institutional Trustee and/or affiliate of the institutional
              Trustee. The Trustee may invest on margin. An institutional
              Trustee may invest in its own deposits if they bear a reasonable
              interest rate. The Trustee may retain, manage, operate, repair,
              improve and mortgage or lease for any period on such terms as it
              deems proper any real estate or personal property held by the
              Trustee, including the power to demolish any building or other
              improvements in whole or part. The Trustee may erect buildings or
              other improvements, make leases that extend beyond the term of
              this Trust, and foreclose, extend, renew, assign, release or
              partially release and discharge mortgages or other liens.

       (b)    POOLED FUNDS: The Trustee may transfer any assets of the Trust
              Fund to a collective trust established to permit the pooling of
              funds of separate pension and profit-sharing trusts provided the
              Internal Revenue Service has ruled such collective trust to be
              qualified under Code Section 401(a) and exempt under Code Section
              501(a) (or the applicable corresponding provision of any other
              Revenue Act) or to any other common, collective, or commingled
              trust fund which has been or may hereafter be established and
              maintained by the Trustee and/or affiliates of an institutional
              Trustee. Such commingling of assets of the Fund with assets of
              other qualified trusts is specifically authorized, and to the
              extent of the investment of the Trust Fund in such a group or
              collective trust, the terms of the instrument

                                       49
<Page>

              establishing the group or collective trust will be a part hereof
              as though set forth herein.

       (c)    EMPLOYER STOCK: The Trustee may invest the Trust Fund in the
              common stock, debt obligations, or any other security issued by
              the Employer or by an affiliate of the Employer within the
              limitations provided under Section 406, Section 407, and Section
              408 of ERISA provided that such investment does not constitute a
              prohibited transaction under Code Section 4975. Any such
              investment will only be made upon written direction of the
              Employer who will be solely responsible for the propriety of such
              investment.

       (d)    CASH RESERVES: The Trustee may retain in cash as much of the Trust
              Fund as the Trustee may deem advisable to satisfy the liquidity
              needs of the Plan and to deposit any cash held in the Trust Fund
              in a bank account without liability for the highest rate of
              interest available. If a bank is acting as Trustee, such Trustee
              is specifically given authority to invest in deposits of such
              Trustee. The Trustee may also hold cash uninvested at any time and
              from time to time and in such amount or to such extent as the
              Trustee deems prudent, and the Trustee will not be liable for any
              losses which may be incurred as the result of the failure to
              invest same, except to the extent provided herein or in ERISA.

       (e)    REORGANIZATIONS, RECAPITALIZATIONS, CONSOLIDATIONS, SALES AND
              MERGERS: The Trustee may join in or oppose the reorganization,
              recapitalization, consolidation, sale or merger of corporations or
              properties, upon such terms as the Trustee deems wise.

       (f)    REGISTRATION OF SECURITIES: The Trustee may cause any securities
              or other property to be registered in the Trustee's own name or in
              the name of the Trustee's nominee or nominees, and may hold any
              investments in bearer form, but the records of the Trustee will at
              all times show all such investments as part of the Trust Fund.

       (g)    PROXIES: The Trustee may vote proxies and if appropriate pass them
              on to any investment manager which may have directed the
              investment in the equity giving rise to the proxy.

       (h)    OWNERSHIP RIGHTS: The Trustee may exercise all ownership rights
              with respect to any assets held in the Trust Fund.

       (i)    OTHER INVESTMENTS: The Trustee may accept and retain for such time
              as the Trustee deems, advisable any securities or other property
              received or acquired as Trustee, whether or not such securities or
              property would normally be purchased as investments hereunder.

       (j)    KEY MAN INSURANCE: The Trustee, with the consent of the
              Administrator, may purchase insurance Policies on the life of any
              Participant whose employment is deemed to be key to the Employer's
              financial success. Such key man Policies will be deemed to be an
              investment of the Trust Fund and will be payable to the

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              Trust Fund as the beneficiary thereof. The Trustee may exercise
              any and all rights granted under such Policies. Neither the
              Trustee, Employer, Administrator, nor any Fiduciary will be
              responsible for the validity of any Policy or the failure of any
              insurer to make payments thereunder, or for the action of any
              person which delays payment or renders a Policy void in whole or
              in part. No insurer which issues a Policy will be deemed a party
              to this Plan for any purpose or to be responsible for its
              validity; nor will it be required to look into the terms of the
              Plan nor to question any action of the Trustee. The obligations of
              the insurer will be determined solely by the Policy's terms and
              any other written agreements between it and the Trustee. The
              insurer will act only at the written direction of the Trustee, and
              will be discharged from all liability with respect to any amount
              paid to the Trustee. The insurer will not be obligated to see that
              any money paid by it to the Trustee or any other person is
              properly distributed or applied.

       (k)    LOANS TO THE TRUST: The Trustee may borrow or raise money for
              purposes of the Plan in such amounts, and upon such terms and
              conditions, as the Trustee deems advisable; and for any sum so
              borrowed, the Trustee may issue a promissory note as Trustee, and
              secure repayment of the loan by pledging all, or any part, of the
              Trust Fund as collateral. No person lending money to the Trustee
              will be bound to see to the application of the money lent or to
              inquire into the validity or propriety of any borrowing.

       (l)    AGREEMENTS WITH BANKS: The Trustee may, upon such terms as the
              Trustee deems necessary, enter into an agreement with a bank or
              trust company providing for (a) the deposit of all or part of the
              funds and property of the Trust with such bank or trust company,
              (b) the appointment of such bank or trust company as the agent or
              custodian of the Trustees for investment purposes, with such
              discretion in investing and reinvesting the funds of the Trust as
              the Trustees deem it necessary or desirable to delegate.

       (m)    LITIGATION: The Trustee may begin, maintain, or defend any
              litigation necessary in connection with the administration of the
              Plan, except that the Trustee will not be obliged or required to
              do so unless indemnified to its satisfaction.

       (n)    CLAIMS, DEBTS OR DAMAGES: The Trustee may settle, compromise, or
              submit to arbitration any claims, debts, or damages due or owing
              to or from the Plan.

       (o)    MARGIN ACCOUNTS, OPTIONS AND COMMODITIES TRADING: The Trustee may
              engage in the following activities: borrowing on margin, buying
              options, writing covered options, options spread/straddles, and
              future/commodities trading.

       (p)    MISCELLANEOUS: The Trustee may do all such acts and exercise all
              such rights, although not specifically mentioned herein, as the
              Trustee deems necessary to carry out the purposes of the Plan. The
              Trustee will not be restricted to securities or other property of
              the character expressly authorized by applicable law for trust
              investments, subject to the requirement that the Trustee discharge
              his duties with the care, skill, prudence, and diligence, under
              the circumstances then prevailing,

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              that a prudent man acting in a like capacity and familiar with
              such matters would use in the conduct of an enterprise of similar
              character and with similar aims by diversifying the investments to
              minimize the risks of large losses unless under the circumstances
              it is clearly prudent not to do so.

7.3    VALUATION OF THE TRUST: On each Valuation Date, the Trustee will
       determine the net worth of the Trust Fund. The fair market value of
       securities that are listed on a registered stock exchange will be the
       prices at which they were last traded on such exchange preceding the
       close of business on the Valuation Date. If the securities were not
       traded on the Valuation Date, or if the exchange on which they are traded
       was not open for business on the Valuation Date, then the securities will
       be valued at the prices at which they were last traded prior to the
       Valuation Date. Any unlisted security will be valued at its bid price
       next preceding the close of business on the Valuation Date, which bid
       price will be obtained from a registered broker or an investment banker.
       To determine the fair market value of assets other than securities for
       which trading or bid prices can be obtained, the Trustee may use any
       reasonable method to determine the value of such assets, or may elect to
       employ one or more appraisers for that purpose and rely on the values
       established by such appraiser or appraisers.

7.4    COMPENSATION AND EXPENSES: The Trustee, either from the Trust Fund or
       from the Employer, will be reimbursed for all of its expenses and will be
       paid reasonable compensation as agreed upon from time to time with the
       Employer, but no person who receives full-time pay from the Employer will
       receive any fees for services to the Plan as Trustee or in any other
       capacity. Expenses will be paid by each Adopting Employer in the ratio
       that each Adopting Employer's Participants' Accounts bears to the total
       of all the Participants' Accounts maintained by this Plan.

7.5    PAYMENTS FROM THE TRUST FUND: The Trustee will pay Plan benefits and
       other payments as the Administrator directs, and except as provided by
       ERISA, the Trustee will not be responsible for the propriety of such
       payments. Any payment made to a Participant, or a Participant's legal
       representative or Beneficiary in accordance with the terms of the Plan
       will, to the extent of such payment, be in full satisfaction of all
       claims arising against the Trust, the Trustee, the Employer, and the
       Administrator. Any payment or distribution made from the Trust is
       contingent on the recipient executing a receipt and release acceptable to
       the Trustee, Administrator, or Employer.

7.6    PAYMENT OF TAXES: The Trustee will pay all taxes of the Trust Fund,
       including property, income, transfer and other taxes which may be levied
       or assessed upon or in respect of the Trust Fund or any money, property
       or securities forming a part of the Trust Fund. The Trustee may withhold
       from distributions to any payee such sum as the Trustee may reasonably
       estimate as necessary to cover federal and state taxes for which the
       Trustee may be liable, which are, or may be, assessed with regard to the
       amount distributable to such payee. Prior to making any payment, the
       Trustee may require such releases or other documents from any lawful
       taxing authority and may require such indemnity from any payee or
       distributee as the Trustee deems necessary.

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7.7    ACCOUNTS, RECORDS AND REPORTS: The Trustee will keep accurate records
       reflecting its administration of the Trust Fund and will make such
       records available to the Employer for review and audit At the request of
       the Employer, the Trustee will, within 90 days of such request, file with
       the Employer an accounting of its administration of the Trust Fund during
       such period or periods as the Employer determines. The Employer will
       review the accounting and notify the Trustee within 90 days if the report
       is disapproved, providing the Trustee with, a written description of the
       items in question. The Trustees will have 60 days to provide the Employer
       with a written explanation of the items in question. If the Employer
       again disapproves of the report, the Trustee will file its accounting in
       a court of competent jurisdiction for audit and adjudication.

7.8    EMPLOYMENT OF AGENTS AND COUNSEL: The Trustee may employ such agents,
       counsel, consultants, or service companies as it deems necessary and may
       pay their reasonable expenses and compensation. The Trustee will not be
       liable for any action taken or omitted by the Trustee in good faith
       pursuant to the advice of such agents and counsel. Any agent, counsel,
       consultant, service company and/or its successors will exercise no
       discretionary authority over investments or the disposition of Trust
       assets, and their services and duties will be ministerial only and will
       be to provide the Plan with those things required by law or by the terms
       of the Plan without in any way exercising any fiduciary authority or
       responsibility under the Plan. The duties of a third party administrator
       will be to safe-keep the individual records for all Participants and to
       prepare all required actuarial services and disclosure forms under the
       supervision of the Administrator and any Fiduciaries of the Plan. It is
       expressly stated that the third party administrator's services are only
       ministerial in nature and that under no circumstances will such third
       party administrator exercise any discretionary authority whatsoever over
       Participants, investments, or benefits.

7.9    DIVISION OF DUTIES AND INDEMNIFICATION: The division of duties and the
       indemnification of the Trustees of this Plan will be governed by the
       following provisions:

       (a)    NO GUARANTEE AGAINST LOSS: The Trustees will have the authority
              and discretion to manage and control the Fund to the extent
              provided in this instrument, but do not guarantee the Fund in any
              manner against investment loss or depreciation in asset value, or
              guarantee the adequacy of the Fund to meet and discharge all or
              any liabilities of the Plan. Furthermore, the Trustees will not be
              liable for the making, retention or sale of any investment or
              reinvestment made by it, as herein provided, or for any toss to or
              diminution of the Fund, or for any other loss or damage which may
              result from the discharge of its duties hereunder, except to the
              extent it is judicially determined that the Trustees have failed
              to exercise 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 like aims.

       (b)    REPRESENTATIONS OF THE EMPLOYER: The Employer warrants that all
              directions issued to the Trustees by it or the Plan Administrator
              will be in accordance with the terms of the Plan and not contrary
              to the provisions of the Employee Retirement Income Security Act
              of 1974 and the regulations issued thereunder.

                                       53
<Page>

       (c)    DIRECTIONS BY OTHERS: The Trustees will not be answerable for any
              action taken pursuant to any direction, consent, certificate, or
              other paper or document on the belief that the same is genuine and
              signed by the proper person. All directions by the Employer, a
              Participant or the Plan Administrator will be in writing. The Plan
              Administrator will deliver to the Trustees certificates evidencing
              the individual or individuals authorized to act as the
              Administrator and will deliver to the Trustees specimens of their
              signatures.

       (d)    DUTIES AND OBLIGATIONS LIMITED BY THE PLAN: The duties and
              obligations of the Trustees will be limited to those expressly
              imposed upon it by this Plan or subsequently agreed upon by the
              parties. Responsibility for administrative duties required under
              the Plan or applicable law not expressly imposed upon or agreed to
              by the Trustees, will rest solely with the Employer and with the
              Administrator.

       (e)    INDEMNIFICATION OF TRUSTEES: The Trustees will be indemnified and
              saved harmless by the Employer against any and all liability to
              which the Trustees may be subjected, including all expenses
              reasonably incurred in its defense, for any action or failure to
              act resulting from compliance with the Employer's instructions,
              the Employer's employees or agents, the Administrator, or any
              other Plan Fiduciary, and for any liability arising from the
              actions or non-actions of any predecessor Trustees or Plan
              Fiduciary.

       (f)    TRUSTEES NOT RESPONSIBLE FOR APPLICATION OF PAYMENTS: The Trustees
              will not be responsible in any way for the application of any
              payments it is directed to make or for the adequacy of the Fund to
              meet and discharge any and all liabilities under the Plan.

       (g)    MULTIPLE TRUSTEES: If more than one Trustee is appointed, all acts
              and/or transactions taken on behalf of the Trust can only be taken
              with the consent of a majority of the Trustees unless the Trustees
              have agreed by a majority of their number that a particular act
              and/or transaction can be taken or approved by a single Trustee.

       (h)    LIMITATION OF LIABILITY: No Trustee will be liable for the act of
              any other Trustee or Fiduciary unless the Trustee has knowledge of
              such act.

       (i)    TRUSTEES AS PARTICIPANTS OR BENEFICIARIES: Trustees will not be
              prevented from receiving any benefits to which they may be
              entitled as Participants or Beneficiaries in the Plan, so long as
              the benefits are computed and paid on a basis which is consistent
              with the terms of the Plan as applied to all other Participants
              and Beneficiaries.

       (j)    NO SELF-DEALING: The Trustees will not (1) deal with the assets of
              the Trust Fund in their own interest or for their own account; (2)
              in their individual or in any other capacity, act in any
              transaction involving the Trust Fund on behalf of a party (or
              represent a party) whose -interests are adverse to the interests
              of the Plan, or its Participants or Beneficiaries; or (3) receive
              any consideration for their own

                                       54
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              personal accounts from any party dealing with the Plan in
              connection with a transaction involving assets of the Trust Fund.

7.10   INVESTMENT MANAGER: The Trustee, if directed by the Sponsor, will appoint
       an Investment Manager to manage and control the investment of all or any
       portion of the Trust Fund. Each Investment Manager will be either (a) an
       investment advisor registered under the Investment Advisors Act of 1940;
       (b) a bank as defined in that Act; or (c) an insurance company qualified
       to manage, acquire or dispose of any asset of the Trust under the laws of
       more than one state. An Investment Manager must acknowledge in writing
       that it is a Fiduciary. The Sponsor will enter into an agreement with an
       Investment Manager specifying the duties and compensation of the
       Investment Manager and further specifying any other terms and conditions
       under which the Investment Manager will be retained. The Trustee will not
       be liable for any act or omission of an Investment Manager, and will not
       be liable for following the advice of an Investment Manager with respect
       to any duties delegated by the Sponsor to the Investment Manager. The
       Sponsor will determine the portion of the Trust Fund to be invested by an
       Investment Manager and will establish investment objectives and
       guidelines for the Investment Manager to follow.

7.11   ASSIGNMENT AND ALIENATION OF BENEFITS: Except as may otherwise be
       permitted under Code Section 401(a)(13)(C) effective August 5, 1997, or
       as otherwise be permitted under a Qualified Domestic Relations Order as
       provided in Section 8.11 or as otherwise be permitted under Section ? if
       Participant loans are permitted, no right or claim to, or interest in,
       any part of the Trust Fund, or any payment therefrom, will be assignable,
       transferable, or subject to sale, mortgage, pledge, hypothecation,
       commutation, anticipation, garnishment, attachment, execution, or levy of
       any kind, and the Trustees will not recognize any attempt to assign,
       transfer, sell, mortgage, pledge, hypothecate, commute, or anticipate the
       same, except to the extent required by law.

7.12   EXCLUSIVE BENEFIT RULE: All contributions made by an Employer (whether or
       not the Employer is an Affiliated Employer with one or more other
       Adopting Employers) to the Trust will be used for the exclusive benefit
       of all Participants and their Beneficiaries and will not be used for nor
       diverted to any other purpose except the payment of the costs of
       maintaining the Plan.

7.13   PURCHASE OF INSURANCE: The purchase of insurance Policies on the life of
       a Participant, other than key man insurance under Section 7.2(j), is not
       currently permitted in this Plan.

7.14   LOANS TO PARTICIPANTS: Loans to Participants are not currently permitted
       in this Plan.

7.15   DIRECTED INVESTMENT ACCOUNTS: Subject to any rules or procedures that may
       be established by the Administrator under paragraph (f) below, the
       Trustee may permit Participants to direct the investment of one or more
       of their accounts, and subject to any such rules or procedures,
       investment directives will be given in accordance with the following
       provisions:

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<Page>

       (a)    ACCOUNTS WHICH CAN BE DIRECTED: The Administrator will designate
              which accounts a Participant or other payee can direct, and
              whether the Participant or other payee can direct all or only a
              portion of each such account. Any such designation can be changed
              by the Administrator from time to time by communicating new
              procedures to the Participants.

       (b)    INVESTMENT FUNDS: Any amount a Participant or other payee directs
              wilt be put into a segregated investment selected by the
              Participant or other payee; or among alternative investment funds
              established as part of the overall Trust Fund. Such alternative
              investment funds will be under the full control and management of
              the Trustees. Alternatively, if investments outside the Trustee's
              control are allowed, Participants and other payees may not direct
              that investments be made in collectibles, other than U.S.
              Government gold and silver coins. The Administrator or Trustee
              will have the authority to refuse any investment directed by the
              Participant or other payee if that investment would be
              administratively burdensome, or if for any reason the
              Administrator or Trustee believes such investment would or might
              constitute a prohibited transaction as defined in ERISA Section
              406 or Code Section 4975. In the event a Participant or other
              payee fails to make a timely investment election, at the
              Administrator's discretion either no election will be deemed to
              have been made or the Participant or other payee will be
              considered to have made an election to invest 100% of his or her
              account in an investment option, the primary objective of which is
              the preservation of principal, until such time as an investment
              decision by the Participant or other payee becomes effective.

       (c)    INVESTMENT FORM: A Participant's investment direction will be made
              in a form acceptable to, and in accordance with procedures
              established by, the Administrator. Unless changed by procedures
              established by the Plan Administrator and communicated to
              Participants and other payees, (1) a Participant or other payee
              may change his or her investment election by filing a new
              investment designation form with the Administrator or the
              Administrator's designee; (2) any such change will be effective no
              later than the first day of the next investment election period;
              and (3) investment election periods will be established at the
              discretion of the Administrator but in any event will occur no
              less frequently than once in every 12-month period or, at the
              discretion of the Administrator and the Trustee, once in every
              3-month or 6-month period or at such other more frequent time
              which is uniformly available as determined and promulgated by the
              Administrator and the Trustee.

       (d)    TRANSFERS BETWEEN FUNDS: Unless changed by procedures established
              by the Plan Administrator and communicated to Participants and
              other payees, if multiple investment fund options are made
              available, a Participant or other payee may elect to transfer all
              or part of his or her Account balance in one or more of the
              investment funds from one investment fund to another investment
              fund by filing an investment designation form with the
              Administrator or with the Administrator's designee within a
              reasonable administrative period prior to the next period for
              which investment options may be elected to be transferred. The

                                       56
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              funds will be transferred by the Trustee or the Administrator's
              designee as soon as practicable prior to, or by the start of, the
              new election period. If made available, telephone or other
              electronic or computer transfers will be permitted under uniform
              procedures approved adopted by the Administrator and agreed to by
              the Trustee.

       (e)    ADMINISTRATOR RESPONSIBILITY: Either the Administrator or the
              Administrator's designee will be responsible when transmitting
              Employer and Employee contributions or other Trust Fund assets to
              indicate the dollar amount which is to be credited to each
              investment fund on behalf of each Participant or other payee.

       (f)    NO ADMINISTRATOR LIABILITY: Except as otherwise provided herein,
              neither the Trustee, nor the Administrator, nor the Employer, nor
              any Fiduciary of the Plan will be liable to the Participant or
              other payee (or to his or her Beneficiaries) for any loss
              resulting from action taken under this Section at the direction of
              the Participant or other payee.

       (g)    CHARGES AND FEES: Any charge or fee which may be imposed by the
              Trustee or by any broker, investment advisor, or otherwise,
              including legal fees, incurred in connection with a Participant's
              direction under this Section of any Plan account maintained on the
              Participant's behalf may be charged to and paid from the assets of
              such account.

       (h)    ESTABLISHMENT OF ADMINISTRATIVE PROCEDURES: All investment
              designations made by Participants are to be made subject to and in
              accordance with such rules or procedures as the Administrator may
              adopt. At the discretion of the Administrator and the Trustee,
              such rules or procedures will permit sufficient selection among
              investment alternatives to satisfy the provisions of DOL
              Regulations 2550.404(c)-1. Such rules or procedures, when properly
              executed in a written document, will be deemed to be incorporated
              in this Plan. The rules or procedures may be modified or amended
              by the Administrator without the necessity of amending this
              Section of the Plan, but any such modifications must be
              communicated to Participants in the manner described in Section
              8.9. Notwithstanding the foregoing, (1) a summary plan description
              or summary of material modifications thereto in which the rules or
              procedures regarding investment designations are described will be
              considered a separate written document sufficient to satisfy the
              requirements (including the execution requirement) of this
              paragraph; and (2) any such rules or procedures established under
              this paragraph must be applied in a uniform nondiscriminatory
              manner.

7.16   VOTING COMPANY STOCK: The Trustee will vote all Company Stock held by it
       at such time and in such manner as the Trustee, at the direction of the
       Administrator, subject to the following:

       (a)    COMPANY STOCK PLEDGED AS SECURITY: If any agreement entered into
              by the Trustee provides for voting of any Company Stock pledged as
              security for any obligation of the Plan, such Company Stock will
              be voted in accordance with such

                                       57
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              agreement. If the Administrator fails or refuses to give the
              Trustee timely instructions as to how to vote any Company Stock as
              to which the Trustee otherwise has the right to vote, the Trustee
              may not exercise its power to vote such Company Stock.

       (b)    REGISTRATION-TYPE STOCK: Notwithstanding paragraph (a), each
              Participant may direct to Trustee as to the manner in which
              Company Stock allocated to his Company Stock Account is to be
              voted provided such Company Stock is a registration-type class of
              security (as defined in section 12 of the Securities Exchange Act
              of 1934).

       (c)    NON-REGISTRATION-TYPE STOCK: With respect to Company Stock which
              is not a registration-type class of security, each Participant may
              direct the Trustee as to the manner in which Company Stock which
              is allocated to his Company Stock Account is to be voted on any
              corporate matter which involves the voting of such stock with
              respect to the approval or disapproval of any corporate merger or
              consolidation, recapitalization, reclassification, liquidation,
              dissolution, sale of substantially all assets of a trade or
              business, or such similar transaction as may be prescribed in
              Treasury regulations.

7.17   APPLICATION OF CASH: Employer contributions made to the Plan in cash and
       other cash received by the Trustee will first be applied to pay Current
       Obligations.

7.18   RESTRICTIONS ON COMPANY STOCK TRANSACTIONS: The Plan may not obligate
       itself to acquire Company Stock from a particular holder thereof at an
       indefinite time determined upon the happening of an event such as the
       death of the holder. Furthermore, the Plan may not obligate itself to
       acquire Company Stock under a put option binding upon the Plan. However,
       the Plan may be given an option to assume, at the time a put option is
       exercised, the rights and obligations of the Employer under a put option
       binding upon the Employer. In addition, all purchases of Company Stock
       will be made at a price which, in the judgment of the Administrator, does
       not exceed the fair market value thereof. All sales of Company Stock will
       be made at a price which, in the judgment of the Administrator, is not
       less than the fair market value thereof.

7.19   EXEMPT LOANS: All loans to the Plan which are made or guaranteed by a
       disqualified person must satisfy all requirements applicable to Exempt
       Loans set forth in income tax regulation Section 54.4975-(b) and
       Department of Labor regulation Section 2550.408b-3, and all provisions of
       those regulations applicable to Company Stock purchased with the proceeds
       of an Exempt Loan or which is used as collateral for an Exempt Loan must
       be complied with. For purposes of this Section, a disqualified person is
       any person who is a disqualified person or party in interest under ERISA.
       A loan for purposes of this Section includes a direct loan of cash, a
       purchase-money transaction, or an assumption of the obligation of the
       Trust. A guarantee for purposes of this Section includes an unsecured
       guarantee and the use of assets of a disqualified person as collateral
       for a loan, even though the use of assets may not be a guarantee under
       applicable state law.

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7.20   DIVERSIFICATION RIGHTS OF QUALIFIED PARTICIPANTS: Notwithstanding
       anything herein to the contrary, a Qualified Participant will be
       permitted to direct the Trustee as to the investment of amounts credited
       to his Company Stock Account, in accordance with the following
       provisions:

       (a)    METHOD OF DIRECTING INVESTMENTS: The Participant's direction will
              be provided to the Administrator in writing, and will be effective
              no later than 180 days after the close of the Plan Year to which
              the direction applies.

       (b)    LIMITATIONS: A Participant's rights under this Section will be
              limited to 25% of the balance in his or her Company Stock Account
              attributable to Company Stock acquired by the Plan after December
              31, 1986, within 90 days after the last day of each Plan Year,
              during the Participant's Qualified Election Period. Within 90 days
              after the close of the last Plan Year in a Participant's Qualified
              Election Period, a Qualified Participant may direct the Plan as to
              the investment of 50% of the value of such Company Stock Account
              balance.

       (c)    AMOUNT SUBJECT TO DIVERSIFICATION: The portion of a Participant's
              Company Stock Account attributable to Company Stock acquired by
              the Plan after December 31, 1986 will be determined by multiplying
              the number of shares of such stock held in the Participant's
              Account by a fraction, the numerator of which is the number of
              such shares acquired after December 31, 1986 and allocated to
              Participants' Company Stock Accounts (not to exceed the number of
              shares held by the Plan on the date of distribution) and the
              denominator of which is the total number of such shares of Company
              Stock held by the Plan on the date the individual becomes a
              Qualified Participant.

       (d)    EXCEPTION FOR SMALL ACCOUNTS: Notwithstanding paragraph (b), if
              the fair market value of a Qualified Participant's Company Stock
              Account is $500 or less on the Valuation Date immediately
              preceding the first day the Qualified Election Period, then such
              Company Stock Account will not be subject to the diversification
              rights under paragraph (b). In determining if the fair market
              value exceeds $500, Company Stock held in all employee stock
              ownership plans and tax credit employee stock ownership plans
              maintained by the Employer or any Affiliated Employer will be
              considered as held by the Plan.

       (e)    INVESTMENT OPTIONS: Subject to a written policy adopted the
              Administrator, the portion of a Qualified Participant's Company
              Stock Account that is covered by the diversification election set
              forth in this Section will either (1) be distributed to the
              Qualified Participant within 90 days after the last day of the
              period during which the election can be made, but any part of such
              distribution consisting of Company Stock will be subject to the
              put option requirements of the Plan, and the entire such
              distribution, if it is in excess of $5,000, will be subject to the
              consent requirements under Section 5.8; (2) be transferred no
              later than 90 days after the last day of the period during which
              the election can be made to another qualified defined contribution
              plan of the Employer which accepts such transfers, provided that
              such plan permits Employee-directed investments in at least three
              distinct

                                       59
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              investment options and does not invest in Company Stock to a
              substantial degree; or (3) be invested, at the election of the
              Qualified Participant, in one or more alternative investments,
              provided that if the Administrator elects to offer this option as
              part of the written policy adopted hereunder, the Plan must
              provide at least three distinct investment options.

7.21   SUPERSEDING TRUST OR CUSTODIAL AGREEMENT: If any assets of the Plan are
       invested in a separate trust or custodial account maintained by a
       corporate Trustee or custodian, the provisions of such separate trust or
       custodial agreement will supersede the provisions set forth in this
       Article 7, except (where applicable) with respect to those provisions of
       this Article that pertain to the purchase of insurance Policies and to
       the making of loans to Participants. In the absence of a specific
       provision in such separate trust or custodial agreement regarding the
       valuation of securities held by the Trust Fund, Section 7.3 will apply.
       Moreover, if such separate trust or custodial account should for any
       reason fail, be found invalid or terminate prior to the termination of
       this Plan and the distribution of all the assets hereof, this Article 7
       will be deemed to have again become effective immediately prior to such
       failure, invalidity or termination.

                                    ARTICLE 8
                           DUTIES OF THE ADMINISTRATOR

8.1    APPOINTMENT, RESIGNATION, REMOVAL AND SUCCESSION: Each Administrator
       appointed by the Sponsor will continue until his death, resignation, or
       removal at any time, with or without cause, by the Sponsor, and any
       Administrator may resign by giving 30 days written notice to the Sponsor.
       If an Administrator dies, resigns, or is removed by the Sponsor, its
       successor will be appointed as promptly as possible, and such appointment
       will become effective upon its acceptance in writing by such successor.
       Pending the appointment and acceptance of any successor Administrator,
       any then acting or remaining Administrator will have full power to act.

8.2    GENERAL POWERS AND DUTIES: The powers and duties of the Administrator
       will include (a) appointing the Plan's attorney, accountant, actuary, or
       any other party needed to administer the Plan; (b) directing the Trustees
       with respect to payments from the Trust Fund; (c) deciding if an
       applicant is entitled to a benefit from the Plan, which will be paid only
       if the Administrator in its sole discretion decides that the applicant is
       entitled to it; (d) communicating with Employees regarding their
       participation and benefits under the Plan, including the administration
       of all claims procedures; (e) filing any returns and reports with the
       Internal Revenue Service, Department of Labor, or any other governmental
       agency; (f) reviewing and approving any financial reports, investment
       reviews, or other reports prepared by any party under (a) above; (g)
       establishing a funding policy and investment objectives consistent with
       the purposes of the Plan and the Employee Retirement Income Security Act
       of 1974; (h) construing and resolving any question of Plan
       interpretation; and (i) making any findings of fact the Administrator
       deems necessary to proper Plan administration.

8.3    APPOINTMENT OF ADMINISTRATIVE COMMITTEE: The Sponsor may appoint one or
       more members to an Administrative/Advisory Committee (to be known as

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       the "Committee"), to which the Sponsor may delegate certain of its
       responsibilities as Plan Administrator. Members of the Committee need not
       be Participants or Beneficiaries, and officers and directors of the
       Sponsor will not be precluded from serving as members. A member will
       serve until his or her resignation, death, or disability, or until
       removed by the Sponsor. In the event of any vacancy arising by reason of
       the death, disability, removal, or resignation of a member of the
       Committee, the Sponsor may, but is not required to, appoint a successor
       to serve in his or her place. The Committee will select a chairman and a
       secretary from among its members. Members of the Committee will serve in
       such capacity without compensation. The Committee will act by majority
       vote.

8.4    FINALITY OF ADMINISTRATIVE DECISIONS: The Administrator's interpretation
       of Plan provisions, and any findings of fact, including eligibility to
       participate and eligibility for benefits, are final and will not be
       subject to "de novo" review unless shown to be arbitrary and capricious.

8.5    MULTIPLE ADMINISTRATORS: If there is more than one Administrator, the
       Administrators may delegate specific responsibilities among themselves,
       including the authority to execute documents unless the Sponsor revokes
       such delegation. The Sponsor and Trustee will be notified in writing of
       any such delegation of responsibilities, and the Trustee thereafter may
       rely upon any documents executed by the appropriate Administrator.

8.6    COMPENSATION AND EXPENSES: The Administrator, the Committee and any party
       appointed by the Administrator under Section 8.7 may receive such
       compensation as agreed upon by the Sponsor, provided that any person who
       already receives full-time PAY from the Employer may not receive any fees
       for services to the Plan as Administrator or in any other capacity. The
       Sponsor will pay all "settlor" expenses (as described in DOL Advisory
       Opinion 2001-01-A) incurred by the Administrator, the Committee or any
       party appointed under Section 8.7 in the performance of their duties. The
       Sponsor may, but is not required to pay, all "non-settlor" expenses
       incurred by the Administrator, the Committee, or any party appointed
       under Section 8.7 in the performance of their duties. "Non-settlor"
       expenses incurred by the Administrator, the Committee or any party
       appointed under Section 8.7 that the Sponsor elects not to pay will be
       reimbursed from Trust Fund assets. Any expenses paid from the Trust will
       be charged to each Adopting Employer in the ratio that each Adopting
       Employer's Participants' Accounts bears to the total of all the
       Participants' Accounts maintained by this Plan, or in any other
       reasonable method elected by the Administrator.

8.7    APPOINTMENT OF AGENTS AND COUNSEL: The Administrator (or Committee) may
       appoint such actuaries, accountants, custodians, counsel, agents,
       consultants, and other persons the Administrator (or Committee) deems
       necessary to the administration and operation of the Plan. The actions of
       any such third parties will be subject to the limitations described in
       Section 7.8 of the Plan; and no such third parties will be given any
       authority or discretion concerning the management and operation of the
       Plan that would cause them to become Fiduciaries of the Plan.

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8.8    CORRECTING ADMINISTRATIVE ERRORS: The Administrator may take such steps
       as it considers necessary and appropriate in its discretion to remedy
       administrative or operational errors. Such steps may include, but will
       not be limited to the following: (a) taking any action required under the
       employee plans compliance resolution system of the Internal Revenue
       Service, any asset management or fiduciary conduct error correction
       program available through the Internal Revenue Service, United States
       Department of Labor or other governmental administrative agency; (b) a
       reallocation of Plan assets; (c) adjustments in amounts of future
       payments to Participants, Beneficiaries or Alternate Payees; and (d)
       institution and prosecution of actions to recover benefit payments made
       in error or on the basis of incorrect or incomplete information.

8.9    PROMULGATING NOTICES AND PROCEDURES: The Sponsor and Administrator are
       given the power and responsibility to promulgate certain written notices,
       policies and/or procedures under the terms of the Plan and disseminate
       same to the Participants, and the Administrator may satisfy such
       responsibility by the preparation of any such notice, policy and/or
       procedure in a written form which can be published and communicated to a
       Participant in one or more of the following ways: (a) by distribution in
       hard copy; (b) through distribution of a summary plan description or
       summary of material modifications thereto which sets forth the policy or
       procedure with respect to a right, benefit or feature offered under the
       Plan; (c) by e-mail, either to a Participant's personal e-mail address or
       his or her Employer-maintained e-mail address; and (d) by publication on
       a web-site accessible by the Participant, provided the Participant is
       notified of said web-site publication. Any notice, policy and/or
       procedure provided through an electronic medium will only be valid if the
       electronic medium which is used is reasonably designed to provide the
       notice, policy and/or procedure in a manner no less understandable to the
       Participant than a written document, and under such medium, at the time
       the notice, policy and/or procedure is provided, the Employee may request
       and receive the notice, policy and/or procedure on a written paper
       document at no charge.

8.10   CLAIMS PROCEDURES: The procedures set forth in this Section will be the
       sole and exclusive remedy for an Employee, Participant or Beneficiary
       ("Claimant") to make a claim for benefits under the Plan. These
       procedures will be administered and interpreted in a manner consistent
       with the requirements of ERISA Section 503 and the regulations
       thereunder. Any electronic notices provided by the Administrator will
       comply with the standards imposed under regulations issued by the
       Department of Labor. All claims determinations made by the Administrator
       (and when applicable by the Committee if one has been appointed under
       Section 8.3) and will be made in accordance with the provisions of this
       Section and the Plan, and will be applied consistently to similarly
       situated Claimants. For purposes of this Section 8.10, if a Committee has
       not been appointed under Section 8.3, any reference to Committee will be
       considered a reference to the Administrator.

       (a)    WRITTEN CLAIM: A Claimant, or the Claimant's duly authorized
              representative, may file a claim for a benefit to which the
              Claimant believes that he or she is entitled under the Plan. Any
              such claim must be filed in writing with the Administrator.

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       (b)    DENIAL OF CLAIM: The Administrator, in its sole and complete
              discretion, will make all initial determinations as to the right
              of any person to benefits. If the claim is denied in whole or in
              part, the Administrator will send the Claimant a written or
              electronic notice, informing the Claimant of the denial. The
              notice must be written in a manner calculated to be understood by
              the Claimant and must contain the following information: the
              specific reason(s) for the denial; a specific reference to
              pertinent Plan provisions on which the denial is based; if
              additional material or information is necessary for the Claimant
              to perfect the claim, a description of such material or
              information and an explanation of why such material or information
              is necessary; and an explanation of the Plan's claim review (i.e.,
              appeal) procedures, the time limits applicable to such procedures,
              and the Claimant's right to request arbitration if the claim
              denial is upheld in whole or in part on appeal. Written or
              electronic notice of the denial will be given within a reasonable
              period of time (but no later than 90 days) from the date the
              Administrator receives the claim, unless special circumstances
              require an extension of time for processing the claim. In no event
              may the extension exceed 90 days from the end of the initial
              90-day period. If an extension is necessary, prior to the
              expiration of the initial 90-day period, the Administrator will
              send the Claimant a written notice, indicating the special
              circumstances requiring an extension and the date by which the
              Administrator expects to render a decision.

       (c)    REQUEST FOR APPEAL: If the Administrator denies a claim in whole
              or in part, the Claimant may elect to appeal the denial. If the
              Claimant does not appeal the denial pursuant to the procedures set
              forth herein, the denial will be final, binding and unappealable.
              A written request for appeal must be filed by the Claimant (or the
              Claimant's duly authorized representative) with the Committee
              within 60 days after the date on which the Claimant receives the
              Administrator's notice of denial. If a request for appeal is
              timely filed, the Claimant will be afforded a full and fair review
              of the claim and the denial. As part of this review, the Claimant
              may submit written comments, documents, records, and other
              information relating to the claim, and the review will take into
              account all such comments, documents, records, or other
              information submitted by the Claimant, without regard to whether
              such information was submitted or considered in the
              Administrator's initial benefit determination. The Claimant also
              may obtain, free of charge and upon request, records and other
              information relevant to the claim, without regard to whether such
              information was relied upon by the Administrator in making the
              initial benefit determination.

       (d)    REVIEW OF APPEAL: The Committee will determine, in its sole and
              complete discretion, whether to uphold all or a portion of the
              initial claim denial. If, on appeal, the Committee determines that
              all or a portion of the initial denial should be upheld, the
              Committee will send the Claimant a written or electronic notice
              informing the Claimant of its decision to uphold all or a portion
              of the initial denial, written in a manner calculated to be
              understood by the Claimant and containing the following
              information: the specific reason(s) for the denial; a specific
              reference to pertinent Plan provisions on which the denial is
              based; a statement that the Claimant is entitled to receive, upon
              request and free of charge,

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<Page>

              reasonable access to and copies of all documents and other
              information relevant to the claim; and an explanation of the
              Claimant's right to request arbitration and the applicable time
              limits for doing so. Written or electronic notice will be given
              within a reasonable period of time (not later than 60 days) from
              the date the Committee receives the request for appeal, unless
              special circumstances require an extension of time for reviewing
              the claim, but in no event may the extension exceed 60 days from
              the end of the initial 60-day period. If an extension is
              necessary, prior to the expiration of the initial 60-day period,
              the Committee will send the Claimant a written notice, indicating
              the special circumstances requiring an extension and the date by
              which the Committee expects to render a decision.

       (e)    ALTERNATIVE TIME FOR AN APPEAL TO BE DECIDED: Notwithstanding
              paragraph (d), if the Committee holds regularly scheduled meetings
              on a quarterly or more frequent basis, the Committee may make its
              determination of the claim on appeal at its next regularly
              scheduled meeting if the Committee receives the written request
              for appeal more than 30 days prior to its next regularly scheduled
              meeting or at the regularly scheduled meeting immediately
              following the next regularly scheduled meeting if the Committee
              receives the written request for appeal within 30 days of the next
              regularly scheduled meeting. If special circumstances require an
              extension, the decision may be postponed to the third regularly
              scheduled meeting following the Committee's receipt of the written
              request for appeal if, prior to the expiration of the initial time
              period for review, the Claimant is provided with written notice,
              indicating the special circumstances requiring an extension and
              the date by which the Committee expects to render a decision. If
              the extension is required because the Claimant has not provided
              information that is necessary to decide the claim, the Committee
              may suspend the review period from the date on which notice of the
              extension is sent to the Claimant until the date on which the
              Claimant responds to the request for additional information.

       (f)    RIGHT OF ARBITRATION: If a Claimant wishes to contest a final
              decision of the Committee, the Claimant may request arbitration.
              If the Claimant does not request arbitration pursuant to the
              procedures set forth herein, the decision of the Committee will be
              final, binding and unappealable. A written request for arbitration
              must be filed by the Claimant (or the Claimant's duly authorized
              representative) with the Committee within 15 days after the date
              on which the Claimant receives the written decision of the
              Committee. If a request for arbitration is timely filed, the
              Claimant and the Committee will each name an arbitrator within 20
              days after the Committee receives the Claimant's written request
              for arbitration. The two arbitrators will jointly name a third
              arbitrator within 15 days after their appointment. If either party
              fails to select an arbitrator within the 20 day period, or if the
              two arbitrators fail to select a third arbitrator within 15 days
              after their appointment, then the presiding judge of the county
              court (or its equivalent) in the county in which the principal
              office of the Sponsor is located will appoint such other
              arbitrator or arbitrators. The arbitrators will render a decision
              within 60 days after their appointment and will conduct all
              proceedings pursuant to the laws of the state in which the
              Sponsor's principal place of business is located and the then
              current Rules of the American

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<Page>

              Arbitration Association governing commercial transactions, to the
              extent that such rules are not inconsistent with applicable state
              law. The cost of the arbitration procedure will be borne by the
              losing party or, if the decision is not clearly in favor of one
              party or the other, in the manner determined by the arbitrators.
              The arbitration proceeding provided for in this Section will be
              the sole and exclusive remedy of a Claimant to contest decisions
              of the Committee under this Plan, and the arbitrators' decision
              will be final and unappealable.

8.11   QUALIFIED DOMESTIC RELATIONS ORDERS: A Qualified Domestic Relations
       Order, or QDRO, is a signed domestic relations order issued by a State
       Court which creates, recognizes or assigns to an alternate payee(s) the
       right to receive all or part of a Participant's Plan benefit- An
       alternate payee is a Spouse, former Spouse, child, or other dependent of
       a Participant who is treated as a Beneficiary under the Plan as a result
       of the QDRO. The Administrator may establish QDRO procedures, but in the
       absence of such procedures, the Administrator will determine if a
       domestic relations order is a Qualified Domestic Relations Order in
       accordance with the following:

       (a)    ADMINISTRATOR'S DETERMINATION: Promptly upon receipt of a domestic
              relations order, the Administrator will notify the Participant and
              any alternate payee(s) named in the order of such receipt, and
              will include a copy of this Section. Within a reasonable time
              after receipt of the order, the Administrator will make a
              determination as to whether or not the order is a Qualified
              Domestic Relations Order as defined in Code Section 414(p) and
              will promptly notify the Participant and any alternate payee(s) in
              writing of the determination.

       (b)    SPECIFIC REQUIREMENTS OF QDRO: In order for a domestic relations
              order to be a QDRO, it must specifically state all of the
              following: (1) the name and last known mailing address (if any) of
              the Participant and each alternate payee covered by the order, (2)
              the dollar amount or percentage of the benefit to be paid to each
              alternate payee, or the manner in which the amount or percentage
              will be determined; (3) the number of payments or period for which
              the order applies; and (4) the name of the plan to which the order
              applies. The domestic relations order will not be deemed a QDRO if
              it requires the Plan to provide any type or form of benefit, or
              any option not already provided for in the Plan, or increased
              benefits, or benefits in excess of the Participant's Vested
              Interest, or payment of benefits to an alternate payee required to
              be paid to another alternate payee under another QDRO.

       (c)    DISPUTED ORDERS: If there is a question as whether or not a
              domestic relations order is a Qualified Domestic Relations Order,
              there will be a delay in any payout to any payee including the
              Participant, until the status is resolved. In such event, the
              Administrator will segregate the amount that would have been
              payable to the alternate payee(s) if the order had been deemed a
              QDRO. If the order is not determined to be a QDRO, or the status
              is not resolved (for example, it has been sent back to the Court
              for clarification or modification) within 18 months beginning with
              the date the first payment would have to be made under the order,
              the Administrator will pay the segregated amounts plus interest to
              the person(s)

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<Page>

              who would have been entitled to the benefits had there been no
              order. If a determination as to the Qualified status of the order
              is made after the 18-month period, then the order will only be
              applied on a prospective basis. If the order is determined to be a
              QDRO, the Participant and alternate payee(s) will again be
              notified promptly after such determination. Once an order is
              deemed a QDRO, the Administrator will pay to the alternate
              payee(s) all the amounts due under the QDRO, including segregated
              amounts plus interest which may have accrued during a dispute as
              to the order's qualification.

       (d)    PAYMENT PRIOR TO TERMINATION OF EMPLOYMENT: A QDRO may provide for
              the payment of benefits to an alternative payee prior to the time
              a Participant has terminated employment. Further, such payment can
              be made even if the affected Participant has not yet reached the
              Earliest Retirement Age. For purposes of this paragraph, the term
              Earliest Retirement Age means the earlier of (1) the date on which
              the Participant is entitled to a distribution under this Plan, or
              (2) the later of (i) the date the Participant attains age 50, or
              (ii) the earliest date on which the Participant could receive
              benefits under this Plan if the Participant terminated employment
              with the Employer.

                                    ARTICLE 9
                        AMENDMENT, TERMINATION AND MERGER

9.1    AMENDMENT: The Sponsor, or, if there is no Sponsor, the Trustee, will
       have the right to amend the Plan at any time subject to the following
       provisions:

       (a)    GENERAL REQUIREMENTS: Amendments must be in writing and cannot (1)
              increase the responsibilities of the Trustee or Administrator
              without written consent; (2) deprive any Participant or
              Beneficiary of Plan benefits to which he or she is entitled; (3)
              decrease the amount of any Participant's Account balance except as
              permitted under Code Section 412(c)(8); (4) permit any part of the
              Trust Fund to be used for or diverted to purposes other than the
              exclusive benefit of the Participants or their Beneficiaries
              except as required to pay taxes and administration expenses, or
              cause or permit any portion of the Trust Fund to revert to or
              become the property of the Employer; or (5) have the effect of
              eliminating or restricting the ability of a Participant or other
              payee to receive payment of his or her Account balance or benefit
              entitlement under a particular optional form of benefit provided
              under the Plan unless the provisions of subparagraphs (1) and (2)
              below are satisfied:

              (1)    LUMP SUM REQUIREMENT: The amendment provides a lump sum
                     distribution form that is otherwise identical to the
                     optional form of benefit that is restricted or eliminated.
                     For this purpose, a lump sum distribution form is otherwise
                     identical only if it is identical in all respects to the
                     eliminated or restricted optional form of benefit (or would
                     be identical except that it provides greater rights to the
                     payee) except with respect to the timing of payments after
                     commencement.

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<Page>

              (2)    EFFECTIVE DATE: The amendment cannot apply to any
                     distribution with an Annuity Starting Date which is earlier
                     than the earlier of (A) the 90' day after a Participant has
                     been furnished with a summary plan description or other
                     summary that reflects the amendment and that satisfies the
                     ERISA requirements at 29 CFR 2520-104b-3 relating to a
                     summary of material modifications; or (B) the first day of
                     the second Plan Year following the Plan Year in which this
                     amended Plan is adopted.

       (b)    CERTAIN CORRECTIVE AMENDMENTS: For purposes of satisfying the
              minimum coverage requirements of Code Section 410(b), the
              nondiscriminatory amount requirement of regulation Section
              1.401(a)(4)-1(b)(2), or the nondiscriminatory plan amendment
              requirement of regulation Section 1.401(a)(4)-1(b)(4), a
              corrective amendment may retroactively increase allocations for
              Employees who benefited under the Plan during the Plan Year being
              corrected, or may grant allocations to Employees who did not
              benefit under the Plan during the Plan Year being corrected. In
              addition, to satisfy the nondiscriminatory current availability
              requirement of regulation Section 1.401(a)(4)4(b) for benefits,
              rights or features, a corrective amendment may make a benefit,
              right or feature available to Employees to whom it was previously
              not available. A corrective amendment will not be taken into
              account prior to the date of its adoption unless it satisfies the
              applicable requirements of regulation Section
              1.401(a)(4)-11(g)(3)(ii) through (vii), including the requirement
              that, in order to be effective for the preceding Plan Year, such
              amendment must be adopted by the 15th day of the 10th month after
              the close of the preceding Plan Year.

9.2    TERMINATION OF PLAN BY SPONSOR: The Sponsor at any time can terminate the
       Plan and Trust in whole or in part in accordance with the following
       provisions:

       (a)    TERMINATION OF PLAN: The Sponsor can terminate the Plan and Trust
              by filing written notice thereof with the Administrator and
              Trustee and by completely discontinuing contributions to the Plan.
              Upon any such termination, the Trustee will continue to administer
              the Trust until distribution has been made to the Participants and
              other payees, which distribution must occur as soon as
              administratively feasible after the termination of the Plan, and
              must be made in accordance with the provisions of Article 5 of the
              Plan, including Section 5.6(g) where applicable. However, the
              Administrator may elect not to distribute the Accounts of
              Participants and other payees upon termination of the Plan but
              instead to transfer the entire Trust Fund assets and liabilities
              attributable to this terminated Plan to another qualified plan
              maintained by the Employer or its successor.

       (b)    VESTING REQUIREMENT: Upon complete termination of the Plan, or
              upon a complete discontinuance of contributions to the Plan, any
              Participant who is affected by such termination all Participants
              who have not incurred a Termination of Employment and all
              Participants who have incurred a Termination of Employment but
              have not incurred a five (5) year Break in Service will have a
              100% Vested Interest in his or her unpaid Participant Account.
              Upon partial

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              termination of the Plan only those Participants who have incurred
              a Termination of Employment on account of the event which caused
              the partial termination but have not incurred a five (5) year
              Break in Service shall automatically have a 100% Vested Interest
              in his or her unpaid Participant Account to the date of partial
              termination.

       (c)    DISCONTINUANCE OF CONTRIBUTIONS ONLY: The Sponsor may elect at any
              time to completely discontinue contributions to the Plan but
              continue the Plan in operation in all other respects, in which
              event the Trustee will continue to administer the Trust until
              eventual full distribution of all benefits has been made to the
              Participants and other payees in accordance with Article 5 after
              their death, retirement, Disability or Termination of Employment.
              Any such discontinuance of contributions without an additional
              notice of termination from the Sponsor to the Administrator and
              Trustee will not constitute a termination of the Plan.

9.3    TERMINATION OF PARTICIPATION BY ADOPTING EMPLOYER: Any Adopting Employer
       may by written resolution terminate its participation in the Plan at any
       time by notification to the Sponsor, the Administrator, and the Trustee.
       Such Adopting Employer may thereupon request a transfer of Trust Fund
       assets attributable to its Employees from this Plan to any successor
       qualified retirement plan maintained by the Adopting Employer or its
       successor. The Administrator may, however, refuse to make such transfer
       if in its considered opinion such transfer would operate to the detriment
       of any Participant, jeopardize the continued qualification of the Plan,
       or if such transfer does not comply with any requirements of the Internal
       Revenue Service. If no such transfer is made, the provisions in the
       definition of Adopting Employer in Article I will apply with respect to
       the payment of benefits for Employees of such Adopting Employer.

9.4    MERGER OR CONSOLIDATION: This Plan and Trust may not be merged or
       consolidated with, nor may any of its assets or liabilities be
       transferred to, any other plan, unless the benefits payable to each
       Participant if the Plan was terminated immediately after such action
       would be equal to or greater than the benefits to which such Participant
       would have been entitled if this Plan had been terminated immediately
       before such action.

                                   ARTICLE 10
                            MISCELLANEOUS PROVISIONS

10.1   NO CONTRACT OF EMPLOYMENT: Except as otherwise provided by law, neither
       the establishment of this Plan, any modification hereto, the creation of
       any fund or account, nor the payment of any benefits, will be construed
       as giving any Participant or other person any legal or equitable rights
       against the Employer, any officer or Employee thereof, or the Trustee,
       except as herein provided. Further, under no circumstances will the terms
       of employment of any Participant be modified or otherwise affected by
       this Plan.

10.2   TITLE TO ASSETS: No Participant or Beneficiary will have any right to, or
       any interest in, any assets of the Trust upon separation from service
       with the Employer,

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       Affiliated Employer, or Adopting Employer, except as otherwise provided
       by the terms of the Plan.

10.3   QUALIFIED MILITARY SERVICE: Notwithstanding any provision of this Plan to
       the contrary, effective January 1, 1995, contributions, benefits and
       service credit with respect to qualified military service will be
       provided in accordance with Code Section 414(u).

10.4   FIDUCIARIES AND BONDING: The Fiduciaries of this Plan will have only
       those duties which are specifically given to the Fiduciaries under the
       terms of this Plan. In addition, every Fiduciary other than a bank, an
       insurance company, or a Fiduciary of an Employer which has no common-law
       employees, will be bonded in an amount not less than 10% of the amount of
       funds under such Fiduciary's supervision, but such bond will not be less
       than $1,000 or more than $500,000. The bond will provide protection to
       the Plan against any loss for acts of fraud or dishonesty by a Fiduciary
       acting alone or in concert with others. The cost of such bond will be an
       expense of either the Employer or the Trust, at the election of the
       Employer.

10.5   SEVERABILITY OF PROVISIONS: If any Plan provision is held invalid or
       unenforceable, such invalidity or unenforceability will not affect any
       other provision of this Plan, and this Plan will be construed and
       enforced as if such provision had not been included.

10.6   GENDER AND NUMBER: Words used in the masculine gender will be construed
       as though they were also used in the feminine or neuter gender where
       applicable, and words used in the singular form will be construed as
       though they were also used in the plural form where applicable.

10.7   HEADINGS AND SUBHEADINGS: Headings and subheadings are inserted for
       convenience of reference. They constitute no part of this Plan and are
       not to be considered in its construction.

10.8   LEGAL ACTION: In any claim, suit or proceeding concerning the Plan and/or
       Trust which is brought against the Trustee or the Administrator, this
       Plan and Trust will be construed and enforced according to the laws of
       the state in which the Employer maintains its principal place of
       business, to the extent that is not preempted by the provisions of ERISA.
       Furthermore, unless otherwise prohibited by law, either the Employer or
       the Trust, in the sole discretion of the Employer, will reimburse the
       Trustee and/or the Administrator for all costs, attorneys fees and other
       expenses associated with any such claim, suit or proceeding.

10.9   QUALIFIED PLAN STATUS: This Plan and the related Trust Agreement are
       intended to be a qualified retirement plan under the provisions of Code
       Section 401(a) and Section 501(a).

10.10  MAILING OF NOTICES TO ADMINISTRATOR, EMPLOYER OR TRUSTEE: Notices,
       documents or forms required to be given to or filed with the
       Administrator, the Employer or the Committee will be either hand
       delivered or mailed by first class mail, postage prepaid, to the
       Committee or the Employer, at the Employer's principal place of business.
       Any notices, documents or forms required to be given to or filed with the

                                       69
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       Trustee will be either be hand delivered or mailed by first class mail,
       postage prepaid, to the Trustee at its principal place of business.

10.11  NO DUPLICATION OF BENEFITS: There will be no duplication of benefits
       under the Plan because of employment by more than one participating
       employer.

10.12  PARTICIPANT NOTICES AND WAIVERS OF NOTICES: Whenever written notice is
       required to be given under the terms of this Plan, such notice will be
       deemed to be given on the date that such written notice is either hand
       delivered to the recipient or deposited at a United States Postal Service
       Station, first class mail, postage paid. Notice may be waived by any
       party otherwise entitled to receive written notice concerning any matter
       under the terms of this Plan.

10.13  EVIDENCE FURNISHED CONCLUSIVE: Anyone required to give evidence under the
       terms of the Plan may do so by certificate, affidavit, document or other
       information which the person to act in reliance may consider pertinent,
       reliable and genuine, and to have been signed, made or presented by the
       proper party or parties. The Fiduciaries under the Plan will be fully
       protected in acting and relying upon any evidence described under this
       Section.

10.14  RELEASE OF CLAIMS: Any payment to any Participant or Beneficiary, his or
       her legal representative, or to any guardian or committee appointed for
       such Participant or Beneficiary, will, to the extent thereof, be in full
       satisfaction of all claims hereunder against the Administrator and the
       Trustee, either of whom may require such Participant, legal
       representative, Beneficiary, guardian or committee, as a condition
       precedent to such payment, to execute a receipt and release thereof in
       such form as determined by the Administrator or the Trustee.

10.15  MULTIPLE COPIES OF PLAN AND/OR TRUST: This Plan and the related Trust
       Agreement may be executed in any number of counterparts, each of which
       will be deemed an original, but all of which will constitute one and the
       same Agreement or Trust Agreement, as the case may be, and will be
       binding on the respective successors and assigns of the Employer and all
       other parties.

10.16  LIMITATION OF LIABILITY AND INDEMNIFICATION: In addition to and in
       furtherance of any other limitations provided in the Plan, and to the
       extent permitted by applicable law, the Employer will indemnify and hold
       harmless its board of directors (collectively and individually), if any,
       the Administrative/Advisory Committee (collectively and individually), if
       any, and its officers, Employees, and agents against and with respect to
       any and all expenses, losses, liabilities, costs, and claims, including
       legal fees to defend against such liabilities and claims, arising out of
       their good-faith discharge of responsibilities under or incident to the
       Plan, excepting only expenses and liabilities resulting from willful
       misconduct. This indemnity will not preclude such further indemnities as
       may be available under insurance purchased by the Employer or as may be
       provided by the Employer under any by-law, agreement, vote of
       shareholders or disinterested directors, or otherwise, as such
       indemnities are permitted under state law. Payments with respect to any
       indemnity and payment of expenses or fees under this

                                       70
<Page>

       Section will be made only from assets of the Employer, and will not be
       made directly or indirectly from assets of the Trust Fund.

       IN WITNESS WHEREOF, this Plan and Trust have been executed by the
Employer and the Trustees as of the day, month and year set forth on page of
this Agreement.

                                           MEDICAL SYSTEMS MANAGEMENT,
                                           INC.

                                           By:  /s/ James Talano
                                               ---------------------------------

ATTEST:

By:  /s/ Lori McCarron
    -----------------------------------

                                           TRUSTEE

                                           HSBC BANK USA

                                           By:  /s/ Reymar S. Torres
                                               ---------------------------------
                                                Reymar S. Torres, Vice President

                                       71
<Page>

                        MEDICAL SYSTEMS MANAGEMENT, INC.
                     EMPLOYEE STOCK OWNERSHIP PLAN & TRUST

                                   AMENDMENT #1

       The MEDICAL SYSTEMS MANAGEMENT, INC. EMPLOYEE STOCK OWNERSHIP PLAN &
TRUST is amended by deleting the first two lines of Section 7.16 in their
entirety and substituting the following therefor:

       VOTING COMPANY STOCK:  The Trustee shall vote all Company Stock held
       by it in such manner as the Administrator may direct or, in the
       absence of such direction, in such manner as the Trustee may determine
       in its discretion.  Notwithstanding the foregoing:

       IN WITNESS WHEREOF, the Sponsor and Trustee have caused this amendment
to be executed by their officers this 11th day of December, 2003.

                                           MEDICAL SYSTEMS MANAGEMENT, INC.

                                           By:  /s/ Todd Cozzens
                                               ---------------------------------

                                           Title:  CEO / Chairman / Sole Member
                                                  -----------------------------

                                           GREATBANC TRUST COMPANY

                                           By:  /s/ Stephen Hartman
                                               ---------------------------------

                                           Title:  Senior Vice President
                                                  -----------------------------

<Page>

                        MEDICAL SYSTEMS MANAGEMENT, INC.
                     EMPLOYEE STOCK OWNERSHIP PLAN & TRUST

                                  AMENDMENT #2

       The MEDICAL SYSTEMS MANAGEMENT, INC. EMPLOYEE STOCK OWNERSHIP PLAN &
TRUST is hereby amended as follows, such changes to be effective immediately:

       1. Subsection 5.14(a) is deleted in its entirety, and the
following is substituted therefor:

          (a) COMPANY STOCK:  A Participant's Vested Aggregate Account shall be
              distributed in the form of Company Stock to the extent it is
              allocated to a Participant's Company Stock Account, and the
              balance, if any, of the Vested Aggregate Account will be
              distributed in cash.

       2. Subsections 5.14(b) and (d) are deleted in their entirety,
and Subsection 5.14(c) is redesignated as Subsection 5.14(b).

       3. Section 5.15 is deleted in its entirety, and such Section is
reserved for future use.

       4. Subsection 6.1(e) is deleted in its entirety.

       5. Subsection 7.2(c) is deleted in its entirety, and the
following is substituted therefor:

          (b) EMPLOYER STOCK:  The Trustee may invest up to 100% of the Trust
              Fund in the common stock, debt obligations, or any other security
              issued by the Employer or by an affiliate of the Employer within
              the limitations provided under Section406, Section407, and
              Section408 of ERISA provided that such investment does not
              constitute a prohibited transaction under Code Section4975.  Any
              such investment will only be made upon written direction of the
              Employer who will be solely responsible for the propriety of such
              investment.

       6. Section 7.16 is deleted in its entirety, and the following is
substituted therefor:

          VOTING COMPANY STOCK:  The Trustee shall vote all Company Stock held
          by it in such manner as the Administrator may direct or, in the
          absence of such direction, in such manner as the Trustee may determine
          in its discretion.

<Page>

       7. Section 7.19 is deleted in its entirety, and such Section is
reserved for future use.

       8. Section 10.9 is deleted in its entirety, and the following is
substituted therefor:

          QUALIFIED PLAN STATUS:  This Plan and the related Trust Agreement are
          intended to qualify as a profit sharing plan and trust under
          provisions of Code Section401(a) and Section501(a).  Previously the
          Plan was an employee stock ownership plan under Code Section409 and
          Section4975(e)(7), during which time it was intended to be invested
          primarily in Company Stock.

       IN WITNESS WHEREOF, the Sponsor has caused this amendment to be
executed by one of its officers this 29th day of June, 2004.

                                           MEDICAL SYSTEMS MANAGEMENT, INC.

                                           By:  /s/ Todd Cozzens
                                               ---------------------------------
                                                Todd Cozzens, President

<Page>

                       MEDICAL SYSTEMS MANAGEMENT, INC.
                    EMPLOYEE STOCK OWNERSHIP PLAN & TRUST

                                AMENDMENT #3

       The MEDICAL SYSTEMS MANAGEMENT, INC. EMPLOYEE STOCK OWNERSHIP PLAN &
TRUST is hereby amended as follows, such changes to be effective March 28,
2005:

       1. Section 5.5 is amended by deleting the first sentence of such
Section and substituting the following therefor:

          A Participant who terminates employment may elect to have the
          Participant's Vested Aggregate Account distributed in a lump sum,
          subject to the following provisions:

       2. Section 5.5 is further amended by deleting paragraph (a) in
its entirety and substituting the following therefor:

          (a) GENERAL RULE:  The Administrator can only make distribution under
              this Section if the Participant's Vested Aggregate Account does
              not exceed $5,000.  Any distribution will be made as soon as
              administratively feasible after the date the Participant
              terminates employment, and any portion of the Participant's
              Account which is not Vested will be treated as a Forfeiture.

       3. Section 5.5 is further amended by deleting paragraph (b) in
its entirety and reserving the same for further use.

       4. Section 5.6 is amended by deleted the words "exceeds the
amount set forth in paragraph (a) of this Section and" from the first
sentence of such Section.

       5. Section 5.6 is further amended by deleting the first sentence
in paragraph (a) and substituting the following therefor:

          If a Participant's Vested Aggregate Account balance is immediately
          distributable, the Participant must consent to any distribution of
          such amount.

<Page>

       6. Section 5.6 is further amended by deleting paragraph (b) in
its entirety and reserving the same for further use.

       IN WITNESS WHEREOF, the Sponsor has caused this amendment to be
executed by one of its officers this 28 day of March, 2005.

                                           MEDICAL SYSTEMS MANAGEMENT, INC.

                                           By:  /s/ Todd Cozzens
                                               ---------------------------------
                                                Todd Cozzens, President<Page>

                                                                  Exhibit 10.18

                             STOCKHOLDERS AGREEMENT

     THIS STOCKHOLDERS AGREEMENT (the "Agreement") is made and entered into as
of this 14th day of July, 2005 by and among PICIS, Inc., a Delaware corporation
(the "Corporation"), The 1818 Fund III, L.P., a Delaware limited partnership
("1818") and Camden Partners Strategic Fund III, L.P., a Delaware limited
partnership ("Camden I"), Camden Partners Strategic Fund III-A, L.P., a Delaware
limited partnership ("Camden II"), Cahill Warnock Strategic Partners Fund, L.P.,
a Delaware limited partnership ("Camden III"), Strategic Associates, L.P., a
Delaware limited partnership (together with Camden I, Camden II and Camden III,
"Camden"), and each of the other stockholders of the Corporation that
subsequently becomes a party hereto as contemplated by Article II hereof
(together with 1818 and Camden, the "Stockholders").

                                   BACKGROUND

     As of the date hereof, the Corporation has issued and outstanding
10,191,030 shares of the Common Stock, 2,263,971 shares of the Series A1
Participating Convertible Preferred Stock, 78,261 shares of the Series A2
Participating Convertible Preferred Stock, 1,767,633 shares of the Series B
Participating Convertible Preferred Stock, and 3,453,939 shares of the Series C
Participating Convertible Preferred Stock. The Corporation is proposing a
recapitalization (the "Recapitalization") to its stockholders under the terms of
which the Corporation's Certificate of Incorporation will be amended and
restated, the Corporation's By-Laws will be amended and restated, the
Stockholders Agreement dated June 23, 2000, as amended to date, to which the
Corporation and certain of its stockholders are parties (the "Existing
Stockholders Agreement") will be terminated, the Corporation and some or all of
its stockholders will become parties to this Agreement, and the Company is
offering to sell up to 2,750,000 shares of the Common Stock as described in the
Corporation's Confidential Offering Memorandum dated July 15, 2005 (the "Rights
Offering"), all as described in the Corporation's Information Statement dated
July 15, 2005 (the "Information Statement"). Also at the same time, 1818, Camden
I and Camden II have offered to purchase Common Stock and Preferred Stock having
an aggregate purchase price of up to $15.1 million as described in their Offer
to Purchase dated July 15, 2005 (the "Tender Offer"). In anticipation of the
termination of the Existing Stockholders Agreement and completion of the
Recapitalization, the Corporation, 1818 and Camden are entering into this
Stockholders Agreement to take effect if, but only if, the Tender Offer and the
Recapitalization are completed. Any stockholder of the Corporation may become a
party hereto either before or after completion of the Recapitalization as
contemplated by Section 2.2, hereof.

     NOW, THEREFORE, the parties hereto hereby agree as follows:

                                    ARTICLE I

                                   DEFINITIONS

     As used herein, the following terms shall have the following meanings.

<Page>

     "AFFILIATE" means, as to any particular person, any other person
controlling, controlled by and/or under common control with such particular
person, where "control" means the possession, directly or indirectly, of the
power to direct the management and policies of a person whether through the
ownership of voting securities, contract or otherwise. In addition, the
partners, members and shareholders of any Stockholder shall be deemed to be an
Affiliate of such Stockholder. Without limitation of the foregoing, if any
person manages an investment fund under contract with such investment fund, such
investment fund shall be deemed an "Affiliate" of such person. Notwithstanding
the foregoing, (a) 1818 shall not be deemed to be an "Affiliate" of Camden and
(b) Camden shall not be deemed to be an "Affiliate" of 1818.

     "APPROVED EMPLOYEE STOCK OPTION PLAN" means any employee stock option plan
or other equity based compensation plan for executives, employees and/or agents
of the Corporation existing as of the date hereof or approved by the
Corporation's Board of Directors, provided the members of the Board of Directors
approving such action include at least a majority of the Non-Related Directors.

     "ASSOCIATE" means, as to any particular person, any director, officer,
employee, general partner, agent and/or representative of such person or of any
Affiliate of such person.

     "COMMON STOCK" means the Corporation's Common Stock, $.01 par value per
share.

     "COMPETITOR" means any Person that, and/or any Person any Affiliate of
which develops, markets, distributes, licenses and/or sells clinical care
information systems for use in operating rooms, intensive care units, emergency
departments or other high acuity hospital settings.

     "CONVERTIBLE SECURITIES" means any stock or securities directly or
indirectly convertible into or exchangeable for Common Stock.

     "GROUP" means a group within the meaning of Section 13(d)(2) of the
Securities Exchange Act of 1934, as amended.

     "IBEX SHARES" means shares of the Common Stock issued to the Ibex
Stockholders under that certain Acquisition Agreement dated June 3, 2004
pursuant to which the Corporation acquired Ibex Healthdata Systems, Inc., an
Illinois corporation, together with any shares of Common Stock issued with
respect to such shares under Article IX, hereof. For the avoidance of doubt, the
"Ibex Shares" shall not include Shares issued to the Ibex Stockholders in the
Rights Offering.

     "IBEX STOCKHOLDERS" means the persons to whom the Corporation issued shares
of the Common Stock under that certain Acquisition Agreement dated June 3, 2004
pursuant to which the Corporation acquired Ibex Healthdata Systems, Inc., an
Illinois corporation, together with (A) any spouse of such persons, (B) any
issue of such persons, (C) any spouse of any issue of such persons, and/or (D)
any trust primarily for the benefit of such persons and/or any or all the
foregoing, to which such persons may transfer the Ibex Shares.

                                        2
<Page>

     "INDEPENDENT DIRECTOR" means a director who meets the requirements for
independence set forth in the rules of the Nasdaq National Market, except that
stock ownership alone shall not disqualify any individual as "Independent,"
notwithstanding any rule of the Nasdaq National Market to the contrary.

     "INITIAL PUBLIC OFFERING" means a firm commitment underwritten offering by
the Corporation of its Common Stock to the public pursuant to an effective
registration statement under the Securities Act of 1933, as then in effect, or
any comparable statement under any similar federal statute then in force in
connection with which the Corporation's Common Stock is listed on a U.S.
National Securities Exchange or the NASDAQ National Market.

     "MAJORITY VOTE" means, a vote or written consent approving the matter in
question by Stockholders holding not less than a majority of the shares of
Common Stock then entitled to antidilution rights pursuant to Article IX hereof,
voting together as a single class.

     "MARKET PRICE" of any security means the average of the closing prices of
such security's sales on all securities exchanges on which such security may at
the time be listed, or, if there has been no sale on any such exchange on any
day, the average of the highest bid and lowest asked prices on all such
exchanges at the end of such day, or, if on any day such security is not so
listed, the average of the representative bid and asked prices quoted in the
NASDAQ System as of 4:00 P.M., New York time, or, if on any day such security is
not quoted in the NASDAQ System, the average of the highest bid and lowest asked
prices on such day in the domestic over-the-counter market as reported by the
National Quotation Bureau, Incorporated, or any similar successor organization,
in each such case averaged over a period of twenty-one (21) trading days
consisting of the day as of which "Market Price" is being determined and the
twenty (20) consecutive trading days prior to such day.

     "NON-RELATED DIRECTOR" means a director who is (a) an Independent Director
and (b) not an Associate of any Person holding ten percent (10%) or more of the
issued and outstanding Common Stock. For purposes of clause (b), the Ibex
Stockholders shall be deemed to be a single Person.

     "OPTION" means any right, warrant or option to subscribe for or purchase
Common Stock or Convertible Securities.

     "PERSON" means, whether capitalized or not capitalized, any individual,
corporation, limited liability company, partnership, trust, governmental
authority, Group or other organization or entity.

     "QUALIFIED IPO" means an Initial Public Offering in which the net proceeds
(after underwriting discounts and commissions) to the Corporation equal at least
$50,000,000 and in which the underwriting is lead managed by a nationally
recognized investment banking firm.

     "SECURITIES" has the meaning assigned thereto in the Securities Act of
1933, as amended.

                                        3
<Page>

     "SERIES A1 PREFERRED STOCK" means the Corporation's Series A1 Participating
Convertible Preferred Stock, par value $0.01 per share.

     "SERIES A2 PREFERRED STOCK" means the Corporation's Series A2 Participating
Convertible Preferred Stock, par value $0.01 per share.

     "SERIES A1 SHARES" means shares of the Common Stock issued to holders of
the Series A1 Preferred Stock in exchange for the Series A1 Preferred Stock in
the Recapitalization, together with any shares of the Common Stock issued with
respect to such shares under Article IX, hereof.

     "SERIES B PREFERRED STOCK" means the Corporation's Series B Participating
Convertible Preferred Stock, par value $0.01 per share.

     "SERIES C PREFERRED STOCK" means the Corporation's Series C Participating
Convertible Preferred Stock, par value $0.01 per share.

     "SERIES C SHARES" means shares of the Common Stock issued to holders of the
Series C Preferred Stock in exchange for the Series C Preferred Stock in the
Recapitalization, together with shares of the Common Stock issued with respect
to such shares under Article IX, hereof.

     "SHARES" shall mean any capital stock of the Corporation now owned by a
Stockholder or which a Stockholder may hereafter acquire, or any interest
therein.

     "STOCKHOLDERS" means the stockholders of the Corporation parties hereto
from time to time.

     "TRANSFER" means any sale, transfer, gift, assignment, bequest, pledge,
encumbrance or other transaction by which any Stockholder divests himself of
ownership or control of all or any part of his Shares, whether voluntarily or by
operation of law. To "Transfer" means to engage in any transaction resulting in
a Transfer.

                                   ARTICLE II

                            EFFECTIVENESS AND JOINDER

     2.1.      EFFECTIVENESS. This Agreement shall become binding upon the
Corporation, 1818 and Camden upon their execution hereof. This Agreement shall
become binding upon stockholders of the Corporation submitting Joinder
Agreements as contemplated by Section 2.2, hereof, upon the acceptance of such
Joinder Agreements as provided in Section 2.2, hereof. This Agreement shall
become effective after the termination of the Existing Stockholders Agreement
has become effective and the filing of the Third Amended and Restated
Certificate of Incorporation of the Corporation (the "Restated Charter") in the
form attached hereto as EXHIBIT A with the Secretary of State of the State of
Delaware. If the Restated Charter has not been filed on or before September 30,
2005, this Agreement shall be null and void and of no further force or effect.

                                        4
<Page>

     2.2.      JOINDER.

               (a)  Before the closing of the Tender Offer, any Person that is a
     stockholder of the Corporation that desires to become a party hereto may
     submit a Joinder Agreement in the form attached hereto as EXHIBIT B to the
     Corporation. Upon acceptance of any such Joinder Agreement by the
     Corporation, the Person that submitted such Joinder Agreement to the
     Corporation shall become a party hereto as a "Stockholder," hereunder.

               (b)  After the closing of the Tender Offer, any Person that
     desires to qualify as a Permitted Transferee under Section 3.2, hereof,
     shall submit a Joinder Agreement in the form attached hereto as EXHIBIT B
     to the Corporation to acknowledge that such Person is bound hereby. Upon
     acceptance of any such Joinder Agreement by the Corporation, the Person
     that submitted such Joinder Agreement to the Corporation shall become a
     party hereto as a "Stockholder" hereunder, except that shares of the
     Corporation's capital stock outstanding upon the closing of the Tender
     Offer but not subject hereto as of such closing shall not become subject
     hereto nor entitled to the benefits hereof unless 1818 and Camden consent
     thereto.

                                   ARTICLE III

                               PERMITTED TRANSFERS

     3.1.      PERMITTED TRANSFERS. A Stockholder may not Transfer all or any
part of his Shares except to: (i) the Corporation; or (ii) a Permitted
Transferee (as defined below). Upon the Transfer by a Stockholder of all such
Stockholder's Shares, such Person shall cease to be a "Stockholder" party to
this Agreement.

     3.2.      PERMITTED TRANSFEREES. A "Permitted Transferee" shall mean any
Person that is not a Competitor and that agrees to be bound hereby as a
Stockholder hereunder by executing a Joinder Agreement as contemplated by
Section 2.2(b) hereof. In any case, subject to Article VI, below, any Person to
which a Stockholder Transfers Shares shall be bound hereby as a "Stockholder"
hereunder. For the avoidance of doubt, any Affiliate of a Stockholder shall
qualify as a "Permitted Transferee" hereunder if such Affiliate agrees to be
bound hereby as a Stockholder hereunder by executing a Joinder Agreement as
contemplated by Section 2.2(b) hereof.

                                   ARTICLE IV

                                 CO-SALE RIGHTS

     Except in the case of a Transfer to the Corporation or to an Affiliate, (a)
if any Stockholder and/or group of Stockholders (collectively, the "Stockholder
Transferors"), either individually or jointly, proposes, in one transaction
and/or a series of related transactions, to Transfer Shares representing forty
percent (40%) or more of the then outstanding shares of Common Stock of the
Corporation, determined on a fully diluted basis, to any Person, such
Stockholder Transferors shall deliver a written notice (a "Transfer Notice") to
each of the Stockholders, not including the Stockholder Transferors (the
"Stockholder Optionees"); (b) if

                                        5
<Page>

1818 and/or any of its Affiliates (collectively, the "1818 Transferors"), either
individually or jointly, proposes, in one transaction and/or a series of related
transactions, to Transfer Shares representing seventy-five percent (75%) or more
of the number of Shares held by 1818 and/or its Affiliates, immediately after
giving effect to the Tender Offer, the Rights Offering and the Recapitalization
(other than in a transaction covered by clause (a) above), such 1818 Transferors
shall deliver a Transfer Notice to each of the Stockholders, not including the
1818 Transferors (the "1818 Optionees"); and (c) if Camden and/or any of its
Affiliates (the "Camden Transferors" and, together with the Stockholder
Transferors and the 1818 Transferors, the "Transferors") proposes, in one
transaction and/or a series of related transactions, to Transfer Shares
representing seventy-five percent (75%) or more of the number of Shares held by
Camden and/or its Affiliates immediately after giving effect to the Tender
Offer, the Rights Offering and the Recapitalization (other than in a transaction
covered by clause (a) above), such Camden Transferors shall deliver a Transfer
Notice to each of the Stockholders, not including the Camden Transferors
(together with the Stockholder Optionees and the 1818 Optionees, the
"Optionees"). The Transfer Notice shall specify the number of Shares proposed to
be Transferred (the "Subject Shares"), the Person to whom the Subject Shares are
proposed to be Transferred (the "Proposed Transferee"), the nature of the
proposed transaction, the form and amount of consideration per Share proposed to
be received by the Transferors (the "Transfer Price"), the terms of payment of
such consideration (the "Payment Terms"), and the date on which the proposed
Transfer is to occur (which date shall be not less than thirty-one (31) nor more
than one hundred eighty (180) days after the date of the Transfer Notice) and
the terms and conditions of the Transfer. Upon receipt of a Transfer Notice,
each Optionee may give written notice to the Transferor during the period of
thirty (30) days after the Transfer Notice is given (the "Option Period"), to
participate in the Transfer described in the Transfer Notice. If any Optionee so
elects to participate in such Transfer, such Optionee shall be entitled to sell
to the Proposed Transferee, at the Transfer Price which shall be payable
pursuant to the Payment Terms, a number of Shares equal to: (i) the number of
Shares owned by such Optionee; multiplied by (ii) a fraction, the numerator of
which is the number of Subject Shares and the denominator of which is the total
number of Shares owned by the Transferors. If any Optionee shall elect to
participate in a Transfer as provided in this Article IV, such Optionee shall
participate in such Transfer on the same terms and conditions as the
Transferors, except that (A) such Optionee shall not be required to make any
representation regarding the title of any other seller to the Shares being sold
by such other seller or the authority of any other seller and (B) such Optionee
may be required to provide indemnification solely with respect to (1) such
Optionee's own title and authority and (2) on a pro rata basis based on the
total number of Shares being sold, the assets, liabilities and business of the
Corporation. If any Optionee shall elect to participate in a Transfer described
in a Transfer Notice as contemplated by this Article IV, the Transferors in
question shall use their commercially reasonable efforts to obtain the agreement
of the Proposed Transferee to the participation of such Optionee in such
Transfer, and, in any case, the Transferors shall not Transfer any of the
Subject Shares to the Proposed Transferee if such Proposed Transferee fails to
purchase the Shares of such Optionee on the terms contemplated hereby. Each
Optionee who does not elect to participate in a Transfer in compliance with the
above requirements, including the Option Period, shall be deemed to have waived
all of such Optionee's rights with respect to such Transfer, and the Transferors
shall thereafter be free to Transfer the Subject Shares to the Proposed
Transferee, at a price per Share price no greater than the Transfer Price and on
other principal terms and conditions which are not materially more

                                        6
<Page>

favorable to the Transferors than those set forth in the Transfer Notice,
without any further obligation to such non-participating Optionee pursuant to
this Article IV, provided such Transfer occurs within one hundred eighty (180)
days after the day of the Transfer Notice. Any Transfer of the Subject Shares
after such one hundred eighty (180) day period shall be again subject to this
Article IV.

                                    ARTICLE V

                                TAKE-ALONG RIGHTS

     If any Stockholder and/or group of Stockholders (collectively, the
"Sellers") determines, in one transaction and/or a series of related
transactions, to Transfer Shares representing sixty-six percent (66%) or more of
the then outstanding Common Stock to any non-related Person, the Sellers may
deliver a written notice (a "Sale Notice") to each of the Stockholders, not
including the Sellers (the "Remaining Stockholders"). The Sale Notice shall
specify the Person to whom the Sellers propose to Transfer their Shares (the
"Proposed Buyer"), the nature of the proposed transaction, the form and amount
of consideration per Share proposed to be received by the Sellers (the "Sale
Price"), the terms of payment of such consideration (the "Sale Terms"), and the
date on which the proposed Transfer is to occur (which date shall be not less
than thirty-one (31) nor more than ninety (90) day after the date of the Sale
Notice) and the terms and conditions of such Transfer. Upon receipt of a Sale
Notice, each Remaining Stockholder, subject to the last sentence of this Article
V, shall be obligated to (i) sell all Shares owned by such Remaining Stockholder
to the Proposed Buyer (and in the case of a proposed transaction including the
sale of substantially all of the assets of the Corporation or a merger, each
Remaining Stockholder shall be obligated to vote in favor of such transaction),
on the Sale Terms and at the Sale Price and upon the same terms and conditions
as the Sellers, except that (A) such Remaining Stockholder shall not be required
to make any representation regarding the title of any other seller to the Shares
being sold by such other seller or the authority of any other seller and (B)
such Remaining Stockholder may be required to provide indemnification solely
with respect to (1) such Remaining Stockholder's own title and authority and (2)
on a pro rata basis based on the total number of Shares being sold, the assets,
liabilities and business of the Corporation; and (ii) otherwise take all
necessary action to cause the consummation of such transaction, including voting
its Shares in favor of such transaction and not exercising any appraisal rights
in connection therewith. Upon the consummation of any Transfer subject to this
Article V, this Agreement shall be terminated and of no further force and
effect. If the Sellers give a Sale Notice under this Article V, provided the
Proposed Buyer buys the Shares of the Remaining Stockholders as contemplated
hereby, the provisions of Article IV, hereof, shall not apply to the Transfer in
question. In any case, the Remaining Stockholders shall not be required to sell
their Shares as contemplated hereby unless the Sellers complete the sale of the
Sellers' Shares as described in the Sale Notice.

                                   ARTICLE VI

                               PROHIBITED TRANSFER

     If any Stockholder shall Transfer any Shares in violation of the provisions
of this Agreement, the Corporation shall have the right and option, in addition
to such other rights and

                                        7
<Page>

remedies as may be available to the Corporation and the other Stockholders
(including the right to restrain or set aside such Transfer), exercisable by
written notice to the transferee thereof (the "Prohibited Transferee"), at any
time within two (2) years after the Corporation's discovery of such Transfer, to
purchase any or all the Shares so Transferred from the Prohibited Transferee at
a purchase price equal to the book value of such Shares determined as of the end
of the Corporation's fiscal year last preceding the date of such Transfer, which
shall be payable in five (5) equal annual installments together with interest
thereon at the rate of five percent (5%) per annum with the first such
installment to be paid in cash upon the Corporation's purchase of such Shares
and the last such installment to be paid on the fourth anniversary of such
purchase. If the Corporation does not exercise such option within such two (2)
year period, title to the Shares which have been Transferred in violation of
this Agreement and as to which such option is not exercised, shall vest in the
Prohibited Transferee, but such Shares shall remain subject to this Agreement,
and such Prohibited Transferee shall be bound by this Agreement with respect to
such Shares as an original Stockholder hereunder. Upon the request of any party
hereto, any Prohibited Transferee shall agree to be bound hereby to the same
extent as if such Prohibited Transferee had been an original party hereto by
signing a Joinder Agreement in the form attached hereto as EXHIBIT A. Neither
the failure of any party hereto to request that a Prohibited Transferee execute
any such agreement, nor the failure of any Prohibited Transferee to execute any
such agreement, shall release any Prohibited Transferee or its Shares from this
Agreement or impair the right of any party hereto with respect to any such
Prohibited Transferee or its Shares.

                                   ARTICLE VII

                               BOARD OF DIRECTORS

     7.1.      BOARD OF DIRECTORS. The Stockholders shall take any and all
actions: (i) to cause two (2) persons designated by 1818 to be elected and
continued in office as directors of the Corporation (each an "1818 Director");
(ii) to cause one (1) person designated by Camden to be elected and continued in
office as a director of the Corporation (the "Camden Director"); (iii) provided
the voting agreement dated June 3, 2004 between 1818, on the one hand, and the
Ibex Stockholders, on the other hand, has been terminated, for so long as the
Ibex Stockholders continue to hold, in the aggregate, not less than ten percent
(10%) of the outstanding capital stock of the Corporation, to cause one (1)
person designated by the Ibex Stockholders to be elected and continued in office
as a director of the Corporation (the "Ibex Director"); (iv) for so long as Todd
Cozzens desires to serve as a director and remains an executive officer of the
Corporation, to cause Todd Cozzens to be elected and continue in office as a
director of the Corporation; (v) for so long as Elizabeth Popovich desires to
serve as director and remains an executive officer of the Corporation, to cause
Elizabeth Popovich to be elected and continue in office as a director of the
Corporation; and (vi) to cause persons recommended by the Nominating and
Corporate Governance Committee of the Board of Directors of the Corporation to
be elected and continue in office as directors of the Corporation to occupy
positions on the Board of Directors of the Corporation which are not occupied by
designees described in clauses (i) through (v), above. Such actions shall
include the voting of all shares that any Stockholder may from time to time have
the power to vote, calling and attendance at meetings of the Stockholders of the
Corporation, and causing any necessary amendments to the Certificate of
Incorporation and/or By-Laws of the Corporation. 1818 and Camden will only
designate persons

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<Page>

who will qualify as Independent Directors for election to the Board of Directors
of the Corporation.

     7.2.      REMOVAL OF DIRECTORS.

               (a)  If at any time 1818 notifies the other Stockholders of its
     desire to remove at any time and for any reason (or no reason) an 1818
     Director, then each Stockholder shall vote all of its Shares so as to
     remove such 1818 Director.

               (b)  If at any time Camden notifies the other Stockholders of its
     desire to remove at any time and for any reason (or no reason) the Camden
     Director, then each Stockholder shall vote all of its Shares so as to
     remove such Camden Director.

               (c)  If at any time the Ibex Stockholders notify the other
     Stockholders of their desire to remove at any time and for any reason (or
     no reason) the Ibex Director, then each Stockholder shall vote all of its
     Shares so as to remove such Ibex Director.

     7.3.      REPLACEMENT OF DIRECTORS.

               (a)  If at any time, a vacancy is created on the Board of
     Directors of the Corporation by reason of the incapacity, death, removal or
     resignation of any of the 1818 Directors designated pursuant to Section 7.1
     hereof, then 1818 shall designate an individual who shall be elected to
     fill the vacancy until the next meeting of Stockholders.

               (b)  If at any time, a vacancy is created on the Board of
     Directors of the Corporation by reason of the incapacity, death, removal or
     resignation of the Camden Director designated pursuant to Section 7.1
     hereof, then Camden shall designate an individual who shall be elected to
     fill the vacancy until the next meeting of Stockholders.

               (c)  If at any time, a vacancy is created on the Board of
     Directors of the Corporation by reason of the incapacity, death, removal or
     resignation of the Ibex Director designated pursuant to Section 7.1 hereof,
     then the Ibex Stockholders shall designate an individual who shall be
     elected to fill the vacancy until the next meeting of the Stockholders.

               (d)  Upon receipt of notice of the designation of any director
     nominee pursuant to this Section 7.3, each Stockholder shall, as soon as
     practicable after the date of such notice, take all reasonable actions,
     including the voting of its Shares, to elect the nominee so designated to
     fill the vacancy.

     7.4.      TRANSITIONAL PROVISIONS. Until the Nominating and Corporate
Governance Committee of the Board of Directors of the Corporation has
recommended other individuals for appointment to the Nominating and Corporate
Governance Committee, the Audit Committee and the Compensation Committee of the
Board of Directors of the Corporation, it is the intention of the Stockholders
that the initial members of the Nominating and Corporate Governance Committee of
the Board of Directors of the Corporation shall be Todd Cozzens, T. Michael Long
and Mark Crockett, M.D., that the initial members of the Audit Committee of the
Board of Directors of the Corporation shall be Richard Johnston, Andrew Cowen
and James Talano, and

                                        9
<Page>

that the initial members of the Compensation Committee of the Board of Directors
of the Corporation shall be T. Michael Long, Bernard Giroud and Richard
Johnston. It is the intention of the Stockholders that on or before December 31,
2006, the Nominating and Corporate Governance Committee of the Board of
Directors shall recommend, and that the Board of Directors of the Corporation
shall appoint to the Nominating and Corporate Governance, Audit and Compensation
Committees of the Board of Directors of the Corporation individuals who satisfy
the criteria set forth in Sections 6, 7 and 8 of Article III of the
Corporation's Amended and Restated By-Laws as approved by the Board of Directors
of the Corporation on July 8, 2005.

                                  ARTICLE VIII

                               REGISTRATION RIGHTS

     8.1.      DEMAND REGISTRATION RIGHTS OF THE STOCKHOLDERS.

     8.1.1.    REQUEST. Subject to the provisions of this Section 8.1, at any
time after a Qualified Initial Public Offering one or more Stockholders holding,
individually or in the aggregate, at least twenty-five percent (25%) of the
Common Shares (as defined below) may request registration for sale under the
Securities Act of 1933, as amended (the "Securities Act") of all or part of the
Common Shares then held by them, provided that such Stockholders shall in any
case request registration for sale of shares for which the anticipated aggregate
offering price will exceed Thirty Million Dollars ($30,000,000). Within ten (10)
days after receipt by the Corporation of such request (which request shall
specify the number of shares proposed to be registered and sold and the manner
in which such sale is proposed to be effected), the Corporation shall promptly
give written notice to all other Stockholders of the proposed demand
registration, and such other Stockholders shall have the right to join in such
proposed registration and sale, upon written request to the Corporation (which
request shall specify the number of shares proposed to be registered and sold)
within ten (10) days after receipt of such notice from the Corporation. The
Corporation shall thereafter, as expeditiously as practicable, use its best
efforts (i) to file with the United States Securities and Exchange Commission
(the "Commission") under the Securities Act a registration statement on the
appropriate form covering all Common Shares specified in the demand request and
all shares with respect to which the Corporation has received such written
request from the other Stockholders; and (ii) to cause such registration
statement to be declared effective. At the request of the Stockholders
requesting registration, the Corporation shall use its best efforts to cause
each offering pursuant to this Section 8.1 to be managed, on a firm commitment
basis, by a recognized national underwriter selected by the Corporation with the
consent, not to be unreasonably withheld, of the requesting Stockholders. The
Corporation shall not be obligated to effect more than three requests by the
Stockholders, collectively, for demand registrations pursuant to this subsection
8.1.1, subject to subsection 8.1.4, hereof, provided, however, that each such
request shall be deemed satisfied only when a registration statement covering
all Common Shares specified in notices received as aforesaid, for sale in
accordance with the method of disposition specified by the requesting
Stockholders, has become effective and all such shares have been sold pursuant
thereto. For purposes hereof, as of any date, "Common Shares" shall mean the
shares of the Corporation's Common Stock then issued and outstanding.

                                       10
<Page>

     8.1.2.    DELAY BY CORPORATION. The Corporation shall not be required to
effect a demand registration under the Securities Act pursuant to subsection
8.1.1, above if (i) the Corporation receives such request for registration
within ninety (90) days preceding the anticipated effective date of a proposed
underwritten public offering of securities of the Corporation approved by the
Corporation's Board of Directors prior to the Corporation's receipt of such
request; (ii) within one hundred twenty (120) days prior to any such request for
registration, a registration of securities of the Corporation has been effected
in which the Stockholders had the right to participate pursuant to this Section
8.1 or Section 8.2 hereof; or (iii) the Board of Directors of the Corporation
reasonably determines in good faith that effecting such a demand registration at
such time would not be in the Corporation's best interests; provided, however,
that the Corporation may only delay a demand registration pursuant to this
clause (iii) for a period not exceeding one hundred twenty (120) days and may
only defer a given demand registration pursuant to this clause (iii) on one
occasion. The Corporation shall promptly notify in writing the Stockholders
requesting registration of any decision not to effect any such request for
registration pursuant to this subsection 8.1.2, which notice shall set forth in
reasonable detail the reason for such decision and shall include an undertaking
by the Corporation promptly to notify such Stockholders as soon as a demand
registration may be effected.

     8.1.3.    PRO RATA REDUCTION. If a demand registration is an underwritten
registration and the managing underwriters advise the Corporation and the
Stockholders participating in the demand registration in writing that in their
opinion the number of Common Shares requested to be included in such
registration exceeds the number which can be sold in such offering, then the
amount of such shares that may be included in such registration shall be
allocated pro rata among all of such participants in proportion to the total
number of Common Shares held by such participants.

     8.1.4.    WITHDRAWAL. Stockholders participating in any demand registration
pursuant to this Section 8.1 may withdraw at any time before a registration
statement is declared effective, in which event the Corporation shall withdraw
such registration statement (and the Stockholders shall not be deemed to have
requested a demand registration for purposes of subsection 8.1.1 hereof) unless
Common Shares having an expected offering price of at least Thirty Million
Dollars ($30,000,000) remain covered by such registration statement. If the
Corporation withdraws a registration statement under this subsection 8.1.4 in
respect of a registration for which the Corporation would otherwise be required
to pay expenses under subsection 8.6.2 hereof, the Stockholders that shall have
withdrawn shall be liable to the Corporation for all expenses of such
registration in proportion to the number of Shares each such withdrawing
Stockholder shall have requested to be registered.

     8.2.      PIGGYBACK REGISTRATION RIGHTS.

     8.2.1.    REQUEST. If at any time or times after the date hereof the
Corporation proposes to make a registered public offering of any of its
securities under the Securities Act other than an offering pursuant to a demand
registration under Section 8.1 hereof or an offering registered on Form S-8,
Form S-4, or comparable forms, the Corporation shall, not less than twenty (20)
days prior to the proposed filing date of the registration form, give written
notice of the proposed registration to each Stockholder having rights at such
time pursuant to this subsection 8.2.1, specifying in reasonable detail the
proposed method of disposition, and at the written request of a

                                       11
<Page>

Stockholder delivered to the Corporation within fifteen (15) days after the
receipt of such notice, shall include in such registration and offering, and in
any underwriting of such offering, all Common Shares as may have been designated
in such Stockholder's request.

     8.2.2.    PRO RATA REDUCTION. If a registration in which any Stockholder
has the right to participate pursuant to this Section 8.2 is an underwritten
offering, and the managing underwriters advise the Corporation in writing that
in their opinion the number of securities requested to be included in such
offering exceeds the number which can be sold in such offering, the Corporation
shall include in such registration if the proposed offering is an Initial Public
Offering; (i) first, the securities of the Corporation proposed to be sold by
the Corporation; (ii) second, the Common Shares proposed to be sold by any
Stockholders (allocated pro rata among such Stockholders in proportion to the
total number of Common Shares held by such Stockholders); and (iii) third, the
securities proposed to be sold by all other participants. If the offering is
other than an Initial Public Offering, the Corporation shall include in such
offering securities proposed to be sold by Stockholders (allocated as aforesaid)
in preference to securities proposed to be included by the Corporation or any
other participant.

     8.3.      TERMINATION OF REGISTRATION RIGHTS. The obligation of the
Corporation to register Common Shares under Sections 8.1 and 8.2 shall terminate
as to any Stockholder at such time as the Stockholder: (i) may sell all shares
held by it pursuant to Rule 144(k) under the Securities Act; and (ii) holds less
than two percent (2%) of the Common Stock then outstanding on a fully diluted
basis.

     8.4.      REGISTRATION PROCEDURES. The Corporation shall have no obligation
to file a registration statement pursuant to Section 8.1 hereof, or to include
Common Shares owned by any Stockholder in an offering pursuant to Section 8.2,
hereof, unless and until such Stockholder shall have furnished the Corporation
with all information and statements about or pertaining to such Stockholder in
such reasonable detail and on such timely basis as is reasonably deemed by the
Corporation to be necessary or appropriate with respect to the preparation of
any registration statement or similar filing, and each Stockholder shall provide
such information. Whenever any Stockholder has requested that any Common Shares
be registered pursuant hereto, subject to the fulfillment of the Corporation's
obligations hereunder, (i) the Stockholders and other participants in the
registration shall enter into an underwriting agreement in customary form having
terms not inconsistent with this Agreement, if requested to do so by the
Corporation; and (ii) the Corporation shall, as expeditiously as reasonably
possible:

               (a)  prepare and file with the Commission or any other
     appropriate body a registration statement or similar filing with respect to
     such shares and use its best efforts to cause such registration statement
     or similar filing to become effective as soon as reasonably practicable
     thereafter (provided that before filing a registration statement or similar
     filing or prospectus or any amendments or supplements thereto, the
     Corporation shall furnish counsel for such Stockholder with copies of all
     such documents proposed to be filed);

               (b)  prepare and file with the Commission or any other
     appropriate body such amendments and supplements to such registration
     statement or similar filing and prospectus used in connection therewith as
     may be necessary to keep such registration

                                       12
<Page>

     statement effective for a period of not less than nine months or until such
     Stockholder has completed the distribution described in such registration
     statement, whichever occurs first;

               (c)  furnish to such Stockholder such number of copies of such
     registration statement or similar filing, each amendment and supplement
     thereto, the prospectus included in such registration statement (including
     each preliminary prospectus), and such other documents as such Stockholder
     may reasonably request;

               (d)  use its best efforts to register or qualify such shares
     under such other securities or blue sky laws of such United States
     jurisdictions as such Stockholder requests (and to maintain such
     registrations and qualifications effective for a period of nine months or
     until such Stockholder has completed the distribution of such shares,
     whichever occurs first), and to do any and all other acts and things which
     may be necessary or advisable to enable such Stockholder to consummate the
     disposition in such jurisdictions of such shares (provided that the
     Corporation will not be required to (i) qualify generally to do business in
     any jurisdiction where it would not be required but for this subsection
     8.4(d); (ii) subject itself to taxation in any such jurisdiction; or (iii)
     file any general consent to service of process in any such jurisdiction);
     provided that, notwithstanding anything to the contrary in this Agreement
     with respect to the bearing of expenses, if any such jurisdiction shall
     require that expenses incurred in connection with the qualification of such
     shares in that jurisdiction be borne in part or full by such Stockholder,
     then such Stockholder shall pay such expenses to the extent required by
     such jurisdiction;

               (e)  notify such Stockholder, at any time when a prospectus
     relating thereto is required to be delivered under the Securities Act
     within the period that the Corporation is required to keep a registration
     statement effective, of the happening of any event as a result of which the
     prospectus included in any such registration statement contains an untrue
     statement of a material fact or omits any fact necessary to make the
     statements therein not misleading, and promptly prepare a supplement or
     amendment to such prospectus so that, as thereafter delivered to the
     purchasers of such shares, such prospectus will not contain an untrue
     statement of a material fact or omit to state any fact necessary to make
     the statements therein not misleading, which supplement or amendment shall
     be filed as soon as possible (and in any case within that number of days
     equal to the excess of one hundred twenty (120) days over the number of
     days, if any, the Corporation delayed the registration in question pursuant
     to clause (iii) of subsection 8.1.2, above) after the happening of the
     event as a result of which the prospectus included in any such registration
     statement contains an untrue statement of material fact or omits any fact
     necessary to make the statements therein not misleading;

               (f)  cause all such shares to be listed on securities exchanges,
     if any, on which similar securities issued by the Corporation are then
     listed;

               (g)  provide a transfer agent and registrar (if applicable) for
     all such shares not later than the effective date of such registration
     statement;

                                       13
<Page>

               (h)  enter into such customary agreements (including an
     underwriting agreement in customary form) and take all such other actions,
     including participating in such "road show" activities as the managing
     underwriter may recommend, as such Stockholder reasonably requests (and
     subject to its reasonable approval) in order to expedite or facilitate the
     disposition of such shares; and

               (i)  make available for inspection by such Stockholder, by any
     underwriter participating in any distribution pursuant to such registration
     statement, and by any attorney, accountant or other agent retained by such
     Stockholder or by any such underwriter, all financial and other records,
     pertinent corporate documents, and properties (other than confidential
     intellectual property) of the Corporation.

Anything to the contrary herein notwithstanding, no Stockholder entering into an
underwriting agreement as contemplated above shall be required to make any
representation other than as to its title to the shares it proposes to sell, its
authority to participate in the transactions contemplated by such underwriting
agreement and the accuracy of the information regarding such Stockholder
required to be included in the registration form involved in such registration.

     8.5.      HOLDBACK AGREEMENT. In the event that the Corporation effects, or
any registration statement filed pursuant hereto is effected as, an underwritten
public offering of any equity security, each Stockholder agrees, if requested by
the underwriters managing such public offering, not to effect any public sale or
distribution, including any sale pursuant to Rule 144 under the Securities Act,
of any equity securities (except as part of such underwritten offering) during
the one hundred eighty (180) day period commencing with the trade date of the
offering (if an Initial Public Offering) or the ninety (90) day period
commencing with the trade date of the offering (if a follow-on public offering),
provided that the forgoing agreement will not apply to (i) any Stockholder then
holding less than 1% of the then outstanding Corporation equity securities in
any underwritten public offering (other than an Initial Public Offering) in
which such Stockholder is not selling any equity securities or; (ii) any
Stockholder then holding more than 1% of the then outstanding Corporation equity
securities unless the underwriters managing such public offering require all
such Stockholders not to effect such sale or distribution.

     8.6.      REGISTRATION EXPENSES.

     8.6.1.    STOCKHOLDER EXPENSES. If Common Shares owned by any Stockholder
are included in an offering pursuant hereto, then such Stockholder shall pay all
transfer taxes, if any, relating to the sale of its shares, and any underwriting
discounts or commissions or the equivalent thereof applicable to the sale of its
shares.

     8.6.2.    CORPORATION EXPENSES. Except for the fees and expenses specified
in subsections 8.4(d) and 8.6.1 hereof and except as provided below in this
subsection 8.6.2, the Corporation shall pay all expenses incident to the
offering of shares pursuant to Sections 8.1 or 8.2, hereof, and to the
Corporation's performance of or compliance with this Agreement, including,
without limitation, all registration and filing fees, fees and expenses of
compliance with securities or blue sky laws, underwriting discounts, fees and
expenses (other than such Stockholder's portion of any underwriting discounts or
commissions or the equivalent thereof), printing expenses, messenger and
delivery expenses, and fees and expenses of counsel for the

                                       14
<Page>

Corporation and a single counsel for all Stockholders selling shares (such
selling stockholder counsel fees not to exceed $10,000) and all independent
certified public accountants and other persons retained by the Corporation.

     8.7.      INDEMNITY; CONTRIBUTION.

     8.7.1.    INDEMNITY. In the event that any Common Shares owned by a
Stockholder are sold by means of a registration statement, prospectus or similar
filing pursuant hereto, the Corporation agrees to indemnify and hold harmless
such Stockholder, each of its officers, directors and partners, and each person,
if any, who controls or may control such Stockholder within the meaning of the
Securities Act (such Stockholder, its officers and directors, and any such other
persons being hereinafter referred to individually as an "Indemnified Person"
and collectively as "Indemnified Persons") from and against all demands, claims,
actions or causes of action, assessments, losses, damages, liabilities, costs,
and expenses, including, without limitation, interest, penalties, and reasonable
attorneys' fees and disbursements, asserted against, resulting to, imposed upon
or incurred by such Indemnified Person, directly or indirectly (hereinafter
referred to in this Section 8.7 in the singular as a "claim" and in the plural
as "claims"), based upon, arising out of or resulting from any untrue statement
of a material fact contained in the registration statement, prospectus or
similar filing or any omission to state therein a material fact necessary to
make the statements made therein, in the light of the circumstances under which
they were made, not misleading, except insofar as such claim is based upon,
arises out of or results from information furnished to the Corporation in
writing by such Stockholder for use in connection with the registration
statement, prospectus or similar filing. Such Stockholder agrees to indemnify
and hold harmless the Corporation, its officers and directors, and each person,
if any, who controls or may control the Corporation within the meaning of the
Securities Act (the Corporation, its officers and directors, and any such other
persons also being hereinafter referred to individually as an "Indemnified
Person" and collectively as "Indemnified Persons") from and against all claims
based upon, arising out of or resulting from any untrue statement of a material
fact contained in the registration statement or any omission to state therein a
material fact necessary in order to make the statements made therein, in the
light of the circumstances under which they were made, not misleading, to the
extent that such claim is based upon, arises out of or results from information
furnished to the Corporation in writing by such Stockholder for use in
connection with the registration statement, prospectus or similar filing. The
indemnifications set forth herein shall be in addition to any liability the
Corporation or such Stockholder may otherwise have to the Indemnified Persons.
Promptly after actually receiving definitive notice of any claim in respect of
which an Indemnified Person may seek indemnification under this Section 8.7.1,
such Indemnified Person shall submit written notice thereof to either the
Corporation or such Stockholder, as the case may be (sometimes being hereinafter
referred to as an "Indemnifying Person"). The omission of the Indemnified Person
so to notify the Indemnifying Person of any such claim shall not relieve the
Indemnifying Person from any liability it may have hereunder except to the
extent that (i) such liability was caused or increased by such omission; or (ii)
the ability of the Indemnifying Person to reduce such liability was materially
adversely affected by such omission. In addition, the omission of the
Indemnified Person so to notify the Indemnifying Person of any such claim shall
not relieve the Indemnifying Person from any liability it may have otherwise
than hereunder. The Indemnifying Person shall have the right to undertake, by
counsel or representatives of its own choosing, the defense, compromise or
settlement (without admitting liability of the

                                       15
<Page>

Indemnified Person) of any such claim asserted, such defense, compromise or
settlement to be undertaken at the expense and risk of the Indemnifying Person,
and the Indemnified Person shall have the right to engage separate counsel, at
its own expense, whom counsel for the Indemnifying Person shall keep informed
and consult with in a reasonable manner. In the event the Indemnifying Person
shall elect not to undertake such defense by its own representatives, the
Indemnifying Person shall give prompt written notice of such election to the
Indemnified Person, and the Indemnified Person shall undertake the defense,
compromise or settlement (without admitting liability of the Indemnified Person)
thereof on behalf of and for the account, expense and risk of the Indemnifying
Person by counsel or other representatives designated by the Indemnified Person.
The foregoing notwithstanding, in any action or proceeding in which both the
Indemnifying Person and an Indemnified Person are, or are reasonably likely to
become, parties, such Indemnified Person shall have the right to employ separate
counsel at the expense of the Indemnifying Person, and such Indemnified Person
shall have the right to control its own defense of such action or proceeding if,
in the reasonable opinion of counsel to such Indemnified Person, (i) there are
or may be legal defenses available to such Indemnified Person that are different
from or additional to those available to the Indemnifying Person; or (ii) any
conflict or potential conflict exists between the Indemnifying Person and such
Indemnified Person that would make such separate representation advisable;
provided, further, however, that in no event shall an Indemnifying Person be
required to pay fees and expenses under this Section 8.8.1 for more than one
firm of attorneys for Indemnified Persons in any jurisdiction in any one legal
action or group of related legal actions. In any case, the Indemnifying Person
shall not, without the consent of the Indemnified Person, consent to entry of
any judgment or enter into any settlement that does not include as an
unconditional term thereof the giving by the claimant or plaintiff to such
Indemnified Person of a release from all liability in respect to such claim or
litigation or which requires action other than the payment of money by the
Indemnifying Person. In any case, no Indemnifying Person shall be obligated
hereunder with respect to amounts paid in settlement of any claim if such
settlement is effected without the consent of such Indemnifying Person (which
consent shall not be unreasonably withheld). A Stockholder's obligation to
indemnify as provided in this Section 8.7.1 shall be limited to the amount of
net proceeds received by such Stockholder in the transaction to which the claims
relate.

     8.7.2.    CONTRIBUTION. If the indemnification provided for in Section
8.7.1 shall for any reason be held by a court to be unavailable to an
Indemnified Person under Section 8.7.1 in respect of any loss, claim, damage or
liability, or any action in respect thereof, then, in lieu of the amount paid or
payable under Section 8.7.1, the Indemnifying Person under Section 8.7.1 and
such Indemnified Person shall contribute to the aggregate losses, claims,
damages and liabilities (including legal or other expenses reasonably incurred
in connection with investigating the same, including those incurred in
connection with any claim for indemnity hereunder), (i) in such proportion as is
appropriate to reflect the relative fault of the Indemnifying Person and the
Indemnified Person which resulted in such loss, claim, damage or liability, or
action or proceeding in respect thereof, with respect to the statements or
omissions which resulted in such loss, claim, damage or liability, or action or
proceeding in respect thereof, as well as any other relevant equitable
considerations or (ii) if the allocation provided by clause (i) above is not
permitted by applicable law, in such proportion as shall be appropriate to
reflect the relative benefits received by the Indemnifying Person and the
Indemnified Person; PROVIDED, HOWEVER, that for purposes of this clause (ii),
the relative benefits received by any Indemnified Person shall be deemed not to
exceed the amount of proceeds received by such Indemnified Person in the

                                       16
<Page>

transaction to which the losses, claims, damages and/or liabilities relate. No
Person guilty of fraudulent misrepresentation (within the meaning of Section
11(f) of the Securities Act) shall be entitled to contribution from any Person
who was not guilty of such fraudulent misrepresentation. A Stockholder's
obligation to contribute as provided in this Section 8.7.2 is several in
proportion to the relative value of the Common Shares such Stockholder proposes
to sell under a registration statement, prospectus or similar filing pursuant
hereto, and not joint, and shall be limited to the amount of net proceeds
received by such Stockholder in the transaction to which the losses, claims,
damages and/or liabilities relate. No Person shall be obligated to contribute
hereunder any amounts in payment for any settlement of any action or claim
effected without such Person's consent, which consent shall not be unreasonably
withheld.

     8.8.      ADDITIONAL REGISTRATION RIGHTS; TRANSFER OF REGISTRATION RIGHTS.
The Corporation shall not grant any registration rights to any subsequent
investor, or any additional registration rights to any current investor, in the
Corporation unless such rights provide that such subsequent investor or current
investor would give priority in the event of an underwriter cutback to the
Stockholders. The registration rights provided pursuant to Section 8.1 and
Section 8.2, hereof, shall be automatically transferred to any Permitted
Transferee. All obligations of the Corporation hereunder shall survive any such
transfer.

                                   ARTICLE IX

                            ANTI-DILUTION PROTECTION

     9.1.      PROTECTION. For purposes hereof, the "Series A1 Effective Per
Share Price" shall mean $4.38 per share subject to adjustment from time to time
as set forth in Section 9.2, below. The "Ibex Effective Per Share Price" shall
mean $4.66 per share subject to adjustment from time to time as set forth in
Section 9.2, below. The "Series C Effective Per Share Price" shall mean $6.31
per share subject to adjustment from time to time as set forth in Section 9.2,
below. Notwithstanding any other provision hereof, there shall be no adjustment
to the Series A1 Effective Per Share Price, the Ibex Effective Per Share Price
and/or the Series C Effective Per Share Price (together, the "Effective Per
Share Prices") with respect to: (a) the issuance (or deemed issuance) of shares
of Common Stock under Options or Convertible Securities outstanding as of the
date hereof; (b) the granting of Options by the Corporation to employees or
directors of the Corporation and/or its Affiliates under any Approved Employee
Stock Option Plan; or (c) the issuance of Common Stock (or securities in
substitution therefor as contemplated by such plans) under any Approved Employee
Stock Option Plan. If at any time the Series A1 Effective Per Share Price shall
be reduced as set forth in this Article IX (except with respect to any
subdivision, combination, reclassification or other recapitalization of the
Common Stock), the Corporation shall within thirty (30) days thereafter issue
additional shares of Common Stock to each Stockholder holding Series A1 Shares
so that the total number of such shares held by such Stockholder equals: (i) the
total number of such shares held by such Stockholder immediately prior to such
reduction of the Series A1 Effective Per Share Price multiplied by the Series A1
Effective Per Share Price in effect immediately prior to such reduction; divided
by (ii) the Series A1 Effective Per Share Price as so adjusted. If at any time
the Ibex Effective Per Share Price shall be reduced as set forth in this Article
IX (except with respect to any subdivision, combination, reclassification or
other recapitalization of the Common Stock), the Corporation shall within thirty
(30) days thereafter issue additional shares of Common Stock to

                                       17
<Page>

each Stockholder holding Ibex Shares so that the total number of such shares
held by such Stockholder equals: (i) the total number of such shares held by
such Stockholder immediately prior to such reduction of the Ibex Effective Per
Share Price multiplied by the Ibex Effective Per Share Price in effect
immediately prior to such reduction; divided by (ii) the Ibex Effective Per
Share Price as so adjusted. If at any time the Series C Effective Per Share
Price shall be reduced as set forth in this Article IX (except with respect to
any subdivision, combination, reclassification or other recapitalization of the
Common Stock), the Corporation shall within thirty (30) days thereafter issue
additional shares of Common Stock to each stockholder holding Series C Shares so
that the total number of such shares held by such stockholder equals: (i) the
total number of such shares held by such stockholder immediately prior to such
reduction of the Series C Effective Per Share Price multiplied by the Series C
Effective Per Share Price in effect immediately prior to such reduction; divided
by (ii) the Series C Effective Per Share Price as so adjusted. Notwithstanding
the foregoing, the Corporation shall only issue additional shares of Common
Stock to Stockholders pursuant to this Article IX upon the payment by such
Stockholders of a purchase price equal to the par value of such shares.

     9.2.      ADJUSTMENTS TO THE EFFECTIVE PER SHARE PRICE.

               (a)  If the Corporation at any time subdivides (by any stock
     split, stock dividend, recapitalization, or otherwise) its outstanding
     shares of Common Stock into a greater number of shares, the Effective Per
     Share Prices, in effect immediately prior to such subdivision, shall be
     proportionally reduced, and if the Corporation at any time combines (by
     reverse stock split or otherwise) its outstanding shares of Common Stock
     into a smaller number of shares, the Effective Per Share Prices, in effect
     immediately prior to such combination shall be proportionally increased.

               (b)  If and whenever the Corporation issues or sells, or in
     accordance with subsection 9.2(c) is deemed to have issued or sold, any
     shares of Common Stock for a consideration per share less than the Series
     A1 Effective Per Share Price in effect immediately prior to the time of
     such issuance or sale, and, if and whenever the Corporation issues or
     sells, or in accordance with subsection 9.2(c) is deemed to have issued or
     sold any shares of its Common Stock for consideration per share less than
     the Ibex Effective Per Share Price in effect immediately prior to the time
     of such issuance or sale, and/or if and whenever the Corporation issues or
     sells, or in accordance with subsection 9.2(c) is deemed to have issued or
     sold any shares of Common Stock for consideration per share less than the
     Series C Effective Per Share Price in effect immediately prior to the time
     of such issuance or sale, then, immediately upon such issuance or sale or
     deemed issuance or sale, the Series A1 Effective Per Share Price, the Ibex
     Effective Per Share Price and/or the Series C Effective Per Share Price, as
     the case may be, shall be adjusted to an amount determined by multiplying
     such Effective Per Share Price in effect immediately prior to such issuance
     or sale by a fraction:

                    (i)    the numerator of which shall be (x) the number of
               shares of Common Stock outstanding immediately prior to the
               issuance of such additional shares of Common Stock, plus (y) the
               number of shares of Common Stock that the net aggregate
               consideration received by the Corporation for the total number

                                       18
<Page>

               of such additional shares of the Common Stock so issued would
               purchase at such Effective Per Share Price, and

                    (ii)   the denominator of which shall be (x) the number of
               shares of Common Stock outstanding immediately prior to the
               issuance of such additional shares of Common Stock, plus (y) the
               number of such additional shares of Common Stock so issued.

               (c)  For purposes of determining the adjusted Effective Per Share
     Prices under subsection 9.2(b), the following shall be applicable:

                    (i)    If the Corporation in any manner grants or sells any
               Option and the lowest price per share for which Common Stock is
               issuable upon the exercise of any such Option, or upon conversion
               or exchange of any Convertible Securities issuable upon exercise
               of such Option, is less than the Series A1 Effective Per Share
               Price, the Ibex Effective Per Share Price and/or the Series C
               Effective Per Share Price in effect immediately prior to the time
               of the granting or sale of such Option, then with respect to such
               Effective Per Share Price the total maximum number of shares of
               Common Stock issuable upon the exercise of such Option or upon
               conversion or exchange of the total maximum amount of such
               Convertible Securities issuable upon the exercise of such Option
               shall be deemed to be outstanding and to have been issued and
               sold by the Corporation at the time of the granting or sale of
               such Option for such price per share. For purposes of this
               subsection 9.2(c)(i), the "lowest price per share for which
               Common Stock is issuable" shall be determined by dividing (A) the
               total amount, if any, received or receivable by the Corporation
               as consideration for the granting or sale of such Option, plus
               the minimum aggregate amount of additional consideration payable
               to the Corporation upon exercise of such Option, plus in the case
               of any such Option which relates to Convertible Securities, the
               minimum aggregate amount of additional consideration, if any,
               payable to the Corporation upon the issuance or sale of such
               Convertible Securities and the conversion or exchange thereof, by
               (B) the total maximum number of shares of Common Stock issuable
               upon the exercise of such Option or upon the conversion or
               exchange of all such Convertible Securities issuable upon the
               exercise of such Option. No further adjustment of such Effective
               Per Share Price shall be made upon the actual issue of such
               Common Stock or such Convertible Security upon the exercise of
               such Options or upon the actual issue of such Common Stock upon
               conversion or exchange of such Convertible Security.

                    (ii)   If the Corporation in any manner issues or sells any
               Convertible Security and the lowest price per share for which
               Common Stock is issuable upon conversion or exchange thereof is
               less than the Series A1 Effective Per Share Price, the Ibex
               Effective Per Share Price and/or the Series C Effective Per Share
               Price in effect immediately prior to the time of such issue or
               sale, then, with respect to such Effective Per Share Price, the
               maximum number of shares of Common Stock issuable upon conversion
               or exchange of such Convertible Security shall be deemed to be
               outstanding and to have been issued and sold by

                                       19
<Page>

               the Corporation at the time of the issuance or sale of such
               Convertible Security for such price per share. For the purposes
               of this subsection 9.2(c)(ii), the "lowest price per share for
               which Common Stock is issuable" shall be determined by dividing
               (A) the total amount received or receivable by the Corporation as
               consideration for the issue or sale of such Convertible Security,
               plus the minimum aggregate amount of additional consideration, if
               any, payable to the Corporation upon the conversion or exchange
               thereof, by (B) the total maximum number of shares of Common
               Stock issuable upon the conversion or exchange of such
               Convertible Security. No further adjustment of such Effective Per
               Share Price shall be made when Common Stock is actually issued
               upon the conversion or exchange of such Convertible Security, and
               if any such issue or sale of such Convertible Security is made
               upon exercise of any Option for which adjustments to the
               Effective Per Share Price, had been or are to be made pursuant to
               other provisions of this subsection 9.2(c), no further adjustment
               to such Effective Per Share Price shall be made by reason of such
               issue or sale.

               (d)  For purposes of determining the adjusted Effective Per Share
     Price under subsection 9.2(b), the following also shall be applicable:

                    (i)    If any Common Stock, Option or Convertible Security
               is issued or sold or deemed to have been issued or sold for cash,
               the consideration received therefor shall be deemed to be the
               amount received by the Corporation therefor (before underwriting
               discounts, commissions and related expenses). If any Common
               Stock, Option or Convertible Security is issued or sold for a
               consideration other than cash, the amount of the consideration
               other than cash received by the Corporation shall be: (i) in the
               case of any security listed on a national securities exchange, or
               quoted in the NASDAQ System or the over-the-counter market, the
               Market Price thereof; and (ii) in all other cases, the fair value
               of such consideration. The fair value of any consideration other
               than cash and securities listed on a national securities exchange
               or quoted in the NASDAQ System or the over-the-counter market
               shall be determined by the Board of Directors of the Corporation
               and approved by a Majority Vote. If such parties are unable to
               reach agreement within sixty (60) days of the receipt of such
               consideration, the fair value of such consideration shall be
               determined by an independent appraiser experienced in valuing
               such type of consideration selected by the Board of Directors of
               the Corporation and approved by a Majority Vote. In the event
               that the Corporation fails to select an independent appraiser
               within ninety (90) days of the receipt of such consideration, or
               an independent appraiser so selected by the Corporation is not
               approved by a Majority Vote within sixty (60) days of the date on
               which the Corporation first submits the proposed candidate for
               the independent appraiser to the Stockholders entitled
               antidilution protection hereunder for approval, then at the
               written request of the Corporation or any Stockholder holding
               Shares entitled to antidilution protection hereunder, the
               President of the American Arbitration Association shall designate
               the independent appraiser. The determination of such appraiser
               shall be final and binding upon the parties, and the fees and
               expenses of such appraiser shall be borne by the Corporation.

                                       20
<Page>

                    (ii)   If the purchase price provided for in any Option, the
               additional consideration (if any) payable upon the issue,
               conversion or exchange of any Convertible Security or the rate at
               which any Convertible Security is convertible into or
               exchangeable for Common Stock is reduced at any time, the Series
               A1 Effective Per Share Price, the Ibex Effective Per Share Price
               and the Series C Effective Per Share Price, in effect at the time
               of such reduction shall be adjusted immediately to the Effective
               Per Share Price, which would have been in effect at such time had
               such Option or Convertible Security originally provided for such
               reduced purchase price, additional consideration or conversion
               rate, as the case may be, at the time initially granted, issued
               or sold. For purposes of Subsection 9.2, if the terms of any
               Option or Convertible Security which is outstanding as of the
               date hereof are reduced in the manner described in the
               immediately preceding sentence, to the extent that any additional
               shares of Common Stock are issuable thereunder as a result
               thereof, such Option or Convertible Security and such additional
               Common Stock deemed issuable upon exercise, conversion or
               exchange thereof shall be deemed to have been issued as of the
               date of such reduction.

                    (iii)  In case any Option is issued in connection with the
               issue or sale of other securities of the Corporation, together
               comprising one integrated transaction in which no specific
               consideration is allocated to such Option by the parties thereto,
               the Option shall be deemed to have been issued for a
               consideration of $.01.

                    (iv)   The number of shares of Common Stock outstanding at
               any given time shall not include shares owned or held by or for
               the account of the Corporation or any subsidiary, and the
               disposition of any shares so owned or held shall be considered an
               issue or sale of Common Stock.

                                    ARTICLE X

                                 CONFIDENTIALITY

     Each Stockholder hereby acknowledges that all Confidential Information (as
defined below) and all rights therein are and shall be the sole and exclusive
property of the Corporation. Each Stockholder hereby agrees, for so long as such
Stockholder is a stockholder of the Corporation and for a period of five (5)
years thereafter, except as otherwise reasonably necessary to conduct the
business of the Corporation in the ordinary course: (i) that it shall disclose
the Confidential Information only to those of its Representatives (as defined
below) who have a need to know such Confidential Information in connection with
the conduct of the Corporation's business in the ordinary course; (ii) that
neither it nor its Representatives shall divulge, disclose or communicate to any
third party in any manner, directly or indirectly, any Confidential Information;
and (iii) that it shall take all other necessary and appropriate actions to
preserve the confidentiality or the Confidential Information. Each Stockholder
hereby agrees, for so long as such Stockholder is a stockholder of the
Corporation and for a period of five (5) years thereafter, that it and its
Representatives shall use the Confidential Information only to the extent
reasonably necessary to monitor or conduct the business of the Corporation in
the ordinary

                                       21
<Page>

course. For purposes hereof, "Confidential Information" shall include: (i)
information regarding the design, architecture and content of the Corporation's
software products; (ii) information concerning products under development by or
being tested by the Corporation; (iii) pricing and customer information
concerning the Corporation's customers; (iv) information concerning the
Corporation's marketing programs and strategies; (v) personnel information; and
(vi) all information concerning the Corporation's finances. The foregoing
notwithstanding, "Confidential Information" does not include in the case of any
Stockholder: (i) information which was known to such Stockholder as shown by
written evidence before its disclosure to such Stockholder by the Corporation;
(ii) is or becomes publicly known or available without any disclosure by such
Stockholder (or its Representatives); or (iii) is acquired by such Stockholder
from a third party who in providing such information to such Stockholder is not,
to the knowledge of such Stockholder, violating any agreement or duty owed to
the Corporation. In addition, each Stockholder and/or any Representative thereof
may disclose Confidential Information if such Stockholder or Representative
becomes, legally compelled to disclose such Confidential Information, whether
pursuant to discovery, subpoena, investigative demand or similar process
provided: (i) such Stockholder or Representative, as the case may be, shall
provide the Corporation with prompt notice so that the Corporation may seek a
protective order or other appropriate remedy; and (ii) such Stockholder or
Representative, as the case may be, shall furnish only that portion of the
Confidential Information as is legally required and will exercise its
commercially reasonable efforts to allow the Corporation to obtain reliable
assurances that the Confidential Information so disclosed will be protected on a
basis consistent with the requirements set forth herein. For purposes hereof,
the "Representatives" of a Stockholder shall mean the directors, officers,
employees, agents and/or advisers of such Stockholder and/or its Affiliates who,
in each case, need Confidential Information to monitor the Corporation or to
participate in its business. Nothing in this Article X shall preclude or in any
way restrict the Stockholders or their Affiliates from investing or
participating in any particular enterprise, or trading in the securities
thereof, whether or not such enterprise has products or services that compete
with those of the Corporation.

                                   ARTICLE XI

                           ENDORSEMENT ON CERTIFICATES

     The Stockholders acknowledge and agree that certificates evidencing
ownership of the Shares shall bear the following legend:

     THE SECURITIES EVIDENCED BY THIS STOCK CERTIFICATE HAVE NOT BEEN REGISTERED
     UNDER THE U.S. SECURITIES ACT OF 1933, AS AMENDED, OR ANY OTHER APPLICABLE
     SECURITIES LAW. THEY MAY NOT BE OFFERED FOR SALE, SOLD, PLEDGED OR
     OTHERWISE TRANSFERRED IN THE ABSENCE OF AN EFFECTIVE REGISTRATION STATEMENT
     RELATED THERETO OR AN OPINION OF COUNSEL SATISFACTORY TO THE CORPORATION
     THAT SUCH REGISTRATION IS NOT REQUIRED UNDER THE U.S. SECURITIES ACT OF
     1933 OR ANY OTHER APPLICABLE SECURITIES LAW.

                                       22
<Page>

     THE SECURITIES EVIDENCED BY THIS STOCK CERTIFICATE, AND THE SALE, PLEDGE OR
     OTHER DISPOSITION THEREOF, ARE SUBJECT TO THE TERMS OF AN AGREEMENT ENTERED
     INTO BETWEEN THE CORPORATION AND CERTAIN OF ITS STOCKHOLDERS. A COPY OF
     SUCH AGREEMENT IS ON FILE AT THE CORPORATION'S PRINCIPAL OFFICES IN
     WAKEFIELD, MASSACHUSETTS, AND MAY BE INSPECTED BY ANY PERSON UPON REQUEST
     DURING NORMAL BUSINESS HOURS.

Likewise, the Corporation shall place, and the Stockholders shall take all
actions within their power to cause the Corporation to place, the above
endorsement upon any stock certificate which it may hereafter issue in the name
of the Stockholders or in the name of any person to whom Shares subject to this
Agreement are transferred.

                                   ARTICLE XII

                              SPECIFIC PERFORMANCE

     The parties declare that it may be impossible to measure in money the
damages which will accrue to any party hereto by reason of a failure to perform
any of the obligations under this Agreement, and agree that this Agreement shall
be specifically enforceable. Therefore, if any party hereto, any Stockholder, or
any transferee of a Stockholder shall institute any action or proceeding to
enforce the provisions hereof, any person, including the Corporation, against
whom such action or proceeding is brought hereby, waives the claim or defense
that such party or such personal representative has or may have an adequate
remedy at law, and such person shall not urge in any such action or proceeding
the claim or defense that such remedy at law exists.

                                  ARTICLE XIII

                            TERMINATION OF AGREEMENT

     13.1.     TERMINATION. This Agreement shall terminate upon the first to
occur of any of the following events:

               (a)  The completion of a Qualified IPO;

               (b)  Liquidation, dissolution or sale of all or substantially all
     of the assets of the Corporation;

               (c)  Mutual agreement of 1818, Camden and Stockholders owning at
     least fifty percent (50%) of the Common Shares subject to this Agreement
     not owned by 1818, Camden and/or their Affiliates;

               (d)  In the event that all of the Corporation's outstanding
     capital stock is owned at any time by a single Stockholder; or

               (e)  As otherwise provided herein.

                                       23
<Page>

     13.2.     EFFECT OF TERMINATION. Upon termination of this Agreement, all
rights, privileges and obligations of the parties shall cease except that if
this Agreement shall terminate upon the completion of a Qualified IPO, all
provisions of this Agreement shall immediately terminate, except for Article
VIII and Article XIV, which shall survive such termination and shall terminate
in accordance with their terms.

                                   ARTICLE XIV

                                  MISCELLANEOUS

     14.1.     ADDITIONAL SHARES OF STOCK. The provisions of this Agreement
shall apply with respect to any additional shares of the Corporation's capital
stock which a Stockholder shall acquire, whether by purchase, gift, stock
dividend, stock split, recapitalization, reorganization or by any other means.

     14.2.     MANNER OF GIVING NOTICE. Any notice, offer, acceptance or demand
required or permitted to be given under this Agreement shall be sufficient if in
writing and if hand delivered (including by courier) or sent by registered or
certified mail to the address of the Stockholder or transferee of a Stockholder
as it shall appear on the records of the Corporation, or, in the case of the
Corporation, the Corporation's registered office, and shall be deemed to be
dated and given for all purposes hereof when hand delivered or ten (10) business
days after being deposited in the United States mail, postage prepaid, as
aforesaid.

     14.3.     USE OF WORDS. Use of words of the masculine gender is intended to
include, wherever appropriate, the feminine and neuter genders, and vice versa.
The use of words of the singular is intended to include, wherever appropriate,
the plural and vice versa.

     14.4.     ENTIRE AGREEMENT. This Agreement, including its Exhibits,
embodies the entire agreement and understanding among the Corporation and the
Stockholders, and supercedes all prior agreements and understandings related to
the subject matter hereof. There are no representations, warranties, covenants,
promises or agreements on the part of any party hereto which are not explicitly
set forth herein. All Exhibits hereto are hereby incorporated herein by this
reference.

     14.5.     BENEFITS; ASSIGNMENT. This Agreement shall be binding upon and
inure to the benefit of the Corporation, the Stockholders and their permitted
assigns. No Stockholder may assign its rights, nor delegate its obligations
hereunder except as permitted hereby. This Agreement shall not be deemed to
confer any rights or remedies upon any person other than the parties hereto and
their respective successors and permitted assigns.

     14.6.     EXECUTION; COUNTERPARTS. This Agreement may be executed by
facsimile and/or in two or more counterparts, each of which shall be deemed an
original, but all of which together shall constitute but one and the same
agreement.

     14.7.     GOVERNING LAW. The parties hereto agree that all terms and
conditions of this Agreement shall be governed by, and construed and enforced in
accordance with, the laws of the State of New York in the United States, without
giving effect to any choice of law or conflict

                                       24
<Page>

provision or rule (whether of the State of New York or any other jurisdiction)
that would cause the application of the laws of any jurisdiction other than the
State of New York.

     14.8.     HEADINGS. The headings to the Articles, Sections and Paragraphs
of this Agreement are for reference only and shall not be used in construing the
provisions hereof or otherwise affect the meaning hereof.

     14.9.     MODIFICATIONS; WAIVERS. This Agreement may be amended and/or the
provisions hereof waived only as provided in this Section 14.9. Except as
otherwise provided herein, this Agreement may be amended (or its provisions may
be waived) by a written instrument signed by Stockholders owning at least sixty
percent (60%) of the Common Shares subject hereto. Articles IV and V hereof (and
this sentence) may be amended (or their respective provisions may be waived)
only by a written instrument signed by 1818, Camden and Stockholders owning at
least fifty percent (50%) of the Common Shares subject hereto not owned by 1818,
Camden and/or their Affiliates. Articles VIII and IX hereof (and this sentence)
may be amended (or their respective provisions may be waived) only by a written
instrument signed by the Corporation and Stockholders owning at least sixty
percent (60%) of the Common Shares subject hereto. Any amendment or waiver of
any provision of Article IX hereof that, by its terms, applies to the Series A1
Shares, the Ibex Shares or the Series C Shares, but by its terms does not apply
to all such shares on the same basis without regard to impact, shall only be
effective if signed by Stockholders owning a majority of the Series A1 Shares if
such amendment or waiver by its terms applies to such shares, by Stockholders
owning a majority of the Ibex Shares if such amendment or waiver by its terms
applies to such shares and/or by Stockholders owning a majority of the Series C
Shares if such amendment or waiver by its terms applies to such shares. Any
amendment or waiver of the foregoing sentence shall only be effective if signed
by Stockholders owning a majority of each of the Series A1 Shares, the Ibex
Shares and the Series C Shares, each considered as a separate class. Any
amendment or waiver effected pursuant to this Section 14.9 shall be binding on
all of the Stockholders.

     14.10.    SEVERABILITY. It is the desire and intent of the parties hereto
that the provisions hereof shall be enforced to the fullest extent permissible
under the laws and public policies applied in each jurisdiction in which
enforcement is sought. If any particular provision or portion thereof shall be
adjudicated to be invalid or unenforceable, such provision or portion thereof
shall be deemed to be amended to delete therefrom such provision or portion,
such amendment to apply only with respect to the operation of such provision or
portion thereof in the particular jurisdiction in which such adjudication is
made.

     14.11.    AGGREGATION OF SHARES. If any right hereunder is available to a
Stockholder if, but only if, such Stockholder holds at least a certain number of
Shares, and if any Stockholder holds fewer Shares than the number of Shares
specified with respect to such right, such Stockholder and its Affiliates, if
any, that also hold Shares may aggregate their Shares for purposes of
determining whether they are entitled to such right, and if together such
Stockholder and its Affiliates hold at least the number of Shares specified with
respect to such right, such Stockholder and its Affiliates may exercise such
right together.

                          SIGNATURES ON FOLLOWING PAGE

                                       25
<Page>

     IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of
this 14th day of July, 2005.

                  PICIS, INC.

                     By: /s/ Todd C. Cozzens
                        --------------------------------------------------
                        Name:
                             ---------------------------------------------
                        Title:
                              --------------------------------------------

                  THE 1818 FUND III, L.P.

                     By: Brown Brothers Harriman & Co.

                     By: /s/ T. Michael Long
                        --------------------------------------------------
                        Name:
                             ---------------------------------------------
                        Title:
                              --------------------------------------------

                  CAMDEN PARTNERS STRATEGIC FUND III, L.P.

                     By: Camden Partners Strategic III, LLC, its General
                        Partner

                     By: Camden Partners Strategic Manager, LLC, its
                        Managing Member

                     By: /s/ Donald W. Hughes
                        --------------------------------------------------
                        Name: Donald W. Hughes
                             ---------------------------------------------
                        Title: Member
                              --------------------------------------------

                      SIGNATURES CONTINUE ON FOLLOWING PAGE

                                       26
<Page>

                  CAMDEN PARTNERS STRATEGIC FUND III-A,
                  L.P.

                     By: Camden Partners Strategic III, LLC, its General
                        Partner

                     By: Camden Partners Strategic Manager, LLC, its
                        Managing Member

                     By: /s/ Donald W. Hughes
                        --------------------------------------------------
                        Name: Donald W. Hughes
                             ---------------------------------------------
                        Title: Member
                              --------------------------------------------

                  CAHILL WARNOCK STRATEGIC PARTNERS
                  FUND, L.P.

                     By: Cahill Warnock Strategic Partners, L.P., its General
                        Partner

                     By: /s/ Donald W. Hughes
                        --------------------------------------------------
                        Name: Donald W. Hughes
                             ---------------------------------------------
                        Title: Member
                              --------------------------------------------

                  STRATEGIC PARTNERS, L.P.

                     By: Cahill Warnock & Company, LLC, its General
                        Partner

                     By: /s/ Donald W. Hughes
                        --------------------------------------------------
                        Name: Donald W. Hughes
                             ---------------------------------------------
                        Title: Member
                              --------------------------------------------

                                       27

<Page>

                                    EXHIBIT A

                                RESTATED CHARTER

See attached.

<Page>

                                    EXHIBIT B

                                JOINDER AGREEMENT

     This is a Joinder Agreement to the Stockholders Agreement of PICIS, Inc., a
Delaware corporation, dated July 14, 2005 (the "Stockholders Agreement").

     INTENDING TO BE LEGALLY BOUND, the undersigned hereby joins in the
Stockholders Agreement as a "Stockholder" thereunder and agrees to be bound by
all of the terms and conditions of the Stockholders Agreement as if the
undersigned were an original signatory thereto as of the date hereof as a
"Stockholder" thereunder.

     Delivery of the facsimile signature of the undersigned shall be effective
to bind the undersigned to this Joinder.

     IN WITNESS WHERE OF, the undersigned has executed this Joinder as of the
______ day of ________________, ____.

                                        --------------------------------------

                                        Print Name:
                                                   ---------------------------

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