Document:

Change in Control Retention Agreement dated December 23, 2002...Jason Gorevic

 Exhibit 10.29 
  
 February 11, 2003 
  
 Jason Gorevic 
 Senior Vice President, Chief Marketing Officer 
 WellChoice, Inc. 
 11 West 42nd Street 
 New York, NY 10036 
  
 Re: Change in Control Retention 
  
 Dear Mr. Gorevic: 
  
 WellChoice, Inc. (“WellChoice”) considers it essential to its best interests to foster the continuous employment of key management personnel
should WellChoice receive a proposal from a third party, whether solicited by WellChoice or unsolicited, concerning a possible business combination transaction. Further, the Board of Directors of WellChoice (the “Board”) has determined
that it is imperative that it and WellChoice be able to rely upon your continued services without concern that you might be distracted by the personal uncertainties and risks that such a proposal might otherwise entail. 
  
 Accordingly, the Board desires to reinforce and encourage your continued
attention and dedication to your assigned duties without distraction in the face of potentially disturbing circumstances that could arise out of a proposal for a change in control of WellChoice. In order to induce you to remain in the employ of
WellChoice and its subsidiaries, you shall receive the severance benefits set forth in this letter agreement (the “Agreement”) in the event your employment with WellChoice and its subsidiaries is involuntarily terminated in connection with
a change in control of WellChoice. 
  
 For purposes of this
Agreement, the “Company” shall refer to WellChoice and its successors and assigns as provided for in Section 5(a) below. 
  
 Term of Agreement. This Agreement shall commence on the date hereof and shall continue in effect through December 31, 2005; provided that the term
of this Agreement shall automatically be extended for one additional year as of January 1, 2005 and each January 1 thereafter unless the Company provides you with written notice prior to any such date that it does not wish to further extend this
Agreement. Notwithstanding any such notice by the Company, if a Change in Control occurs during the original or any extended term of this Agreement, this Agreement shall continue in effect until the second anniversary of such Change in Control.

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 Change in Control. 
  
 Notwithstanding any other provision in this Agreement, no benefits shall be payable hereunder unless there shall have been a
Change in Control of the Company, as set forth below. 
  
 For
purposes of this Agreement, a Change in Control shall be deemed to have occurred if (A) any “person” (as such term is used in Sections 13(d) and 14(d) of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), other
than the Fund referred to below, is or becomes the “beneficial owner” (as determined for purposes of Regulation 13D-G under the Exchange Act as currently in effect), directly or indirectly, of securities of the Company representing 25% or
more of the combined voting power of the Company’s then outstanding securities; or (B) during any period of two consecutive years, individuals who at the beginning of such period constitute the Board and any new director whose election to the
Board or nomination for election to the Board was approved by a vote of at least two-thirds (2/3) of the directors then still in office who either were directors at the beginning of the period or whose election or nomination for election was
previously so approved, cease for any reason to constitute a majority of the Board; or (C) the Company effects a merger or consolidation with any other corporation, other than a merger or consolidation (x) which does not result in any person
becoming the beneficial owner, directly or indirectly, of securities of the Company or the surviving entity representing 25% or more of the combined voting power of the Company’s (or such surviving entity’s) then outstanding securities and
(y) in which a majority of the Board of Directors of the Company or such surviving entity immediately after such merger or consolidation is comprised of directors of the Company immediately prior to such merger or consolidation; or (D) the Company
sells or disposes of all or substantially all of the Company’s assets. Notwithstanding anything to the contrary set forth herein, the ownership of The New York Public Asset Fund of more than 25% of the Company’s securities does not
constitute a Change in Control for purposes of this Agreement. 
  
 For purposes of this Agreement, a “potential change in control of the Company” shall be deemed to have occurred if (A) the Company enters into an agreement, the consummation of which would result in the occurrence of a Change in
Control; (B) any person (including the Company) publicly announces an intention to take or to consider taking actions which if consummated would constitute a Change in Control; or (C) the Board adopts a resolution to the effect that, for purposes of
this Agreement, a potential change in control of the Company has occurred. 

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 Termination In Connection with a Change in Control. 
  
 Termination. You shall be entitled to the benefits provided in
Section 4 hereof upon the termination of your employment with the Company and its subsidiaries during the term of this Agreement occurring within six months preceding, or within two years following, a Change in Control, unless such termination is
(i) a result of your death, retirement at or after age 65 (as set forth below), or permanent and total disability (as determined for purposes of the Company’s long-term disability benefit plan in which you participate), (ii) by you other than
for Good Reason, or (iii) by the Company or any of its subsidiaries for Cause. 
  
 Disability. In the absence of any applicable long term disability benefit plan, any question as to the existence of your permanent and total disability for purposes of this Agreement shall be governed by a
qualified independent physician selected by the Company and approved by you, said approval not to be unreasonably withheld. The determination of such physician made in writing to the Company and to you shall be final and conclusive for all purposes
of this Agreement. 
  
 Retirement. For purposes of this
Agreement, “retirement” shall mean (i) your voluntary resignation of employment with the Company and its subsidiaries at or after age 65 on your own initiative and other than for Good Reason, (ii) your termination of employment pursuant to
a mandatory age limit policy for executives adopted by the Company at least one year prior to any Change in Control, or (iii) your resignation in accordance with any retirement arrangement established with your consent with respect to you at least
six months prior to any Change in Control. 
  
 Cause. For
purposes of this Agreement, “Cause” shall mean (A) your willful breach of a material duty or other material willful misconduct in the course of your employment, (B) your commission of a felony or a crime involving moral turpitude (other
than a petty misdemeanor), or (C) your habitual neglect of your employment duties provided you were provided prompt written notice of such neglect by the Company and a reasonable opportunity to cure such neglect. For purposes of this Section 3(d) no
act, or failure to act, on your part shall be deemed “willful” unless done, or omitted to be done, by you not in good faith and without reasonable belief that your action or omission was in and not opposed to the interests of the Company
or any of its subsidiaries. The finding that you were guilty of conduct set forth above in this Section 3(ii) shall be made by the Company in its reasonable discretion. 
  
 Good Reason. You shall be entitled to terminate your employment with the Company and its subsidiaries for Good Reason
on or after a Change in Control by providing at least 30 days prior written notice to the Company 

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 specifying the acts or omissions within the preceding 90 days that are believed to constitute Good Reason and a proposed
termination date. The Company and its subsidiaries shall be permitted during the 30-day period following the Company’s receipt of such notice to cure or otherwise correct any such acts or omissions and, if reasonably cured or corrected, you
shall not be allowed to resign for Good Reason. For the purpose of this Agreement, “Good Reason” shall mean the occurrence, without your express written consent, of any of the following circumstances unless such circumstances are fully
corrected prior to the Date of Termination (as defined in Section 3) specified in the Notice of Termination (as defined in Section 3) given in respect thereof: 
  

the assignment to you of any duties that are not commensurate or consistent with your status as Senior Vice President, Chief Marketing
Officer of WellChoice, your removal from such position(s), or a substantial diminution in the nature or status of your responsibilities from those in effect immediately prior to any potential change in control or Change in Control occurring within
the preceding two years; provided that during the six-month period following a Change in Control, in connection with a transition of your responsibilities to a successor shall not constitute Good Reason until the earlier of the completion of such
transition or the end of such six-month period (except you may nevertheless provide a Notice of Termination prior thereto); 
  
 a reduction by the Company or any of its subsidiaries in your annual base salary as in effect on the date hereof or as the same may be
increased from time to time; 
  
 the failure by
the Company or any of its subsidiaries to continue in effect any bonus or incentive compensation plan in which you participate prior to the Change in Control, unless an equitable alternative compensation arrangement (embodied in an ongoing
substitute or alternative plan) has been provided for you, except that the discontinuation of the grant of options or other equity based awards shall not be deemed to be covered by the provisions of this subparagraph; 
  
 the failure by the Company or any of its subsidiaries to
continue your participation in any employee benefit plans other than by reason of any change applicable to all similarly situated employees; 
  
 the relocation of the office in which you are based to a location more than thirty-five (35) miles from the office in which you are based,
unless such relocation does not increase your commute by more than twenty (20) miles; 

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 the failure of the Company to obtain a satisfactory agreement from any successor to
assume and agree to perform this Agreement, as contemplated in Section 5 hereof. 
  
 Your continued employment shall not constitute consent to, or a waiver of rights with respect to, any circumstances constituting Good Reason hereunder; provided, however, you may not seek to terminate your employment
for Good Reason based on any act or such circumstance that occurred more than 90 days prior to the date Notice of Termination is provided. 
  
 (f) Notice of Termination. Any purported termination of your employment by the Company and its subsidiaries or by you shall be communicated by
written Notice of Termination to the other party hereto in accordance with Section 6 hereof. For purposes of this Agreement, a “Notice of Termination” shall mean a notice which shall indicate the specific termination provision in this
Agreement relied upon and shall set forth in reasonable detail the facts and circumstances claimed to provide a basis for termination of your employment under the provision so indicated. 
  
 (g) Date of Termination, Etc. “Date of Termination” shall mean if your employment is terminated for any
reason (other than your death or Disability), the date specified in the Notice of Termination which shall not be less than thirty (30) days from the date such Notice of Termination is given. 
  
 Compensation Upon Termination. 
  
 If your employment by the Company and its subsidiaries shall be terminated
during the term of this Agreement by (a) the Company and its subsidiaries other than for Cause or your death, Retirement or Disability, or (b) you for Good Reason, and such termination occurs within six months preceding, or within two years
following, a Change in Control of the Company, then you shall be entitled to the benefits provided below: 
  
 The Company (or one of its subsidiaries, if applicable) shall pay you no later than the tenth business day following the Date of
Termination (unless a different payment date is specified herein): (A) your full base salary through the Date of Termination at the rate in effect at the time of the Change in Control or the Notice of Termination is given (whichever date your salary
rate is higher), plus (B) the unpaid annual incentive for the preceding year, if any, plus (C) a pro rata amount of your target annual incentive for the year in which your termination of employment occurs, plus (D) all other amounts to which you are
entitled under any compensation 

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 plan of the Company applicable to you, at the time such payments are due, plus (E) a pro rata portion of
your target awards under the Company’s Long-Term Incentive Compensation Plan. 
  
 The Company shall pay you, on a date that is no later than the tenth business day following the Date of Termination, a severance payment
equal to two times (2x) the sum of (A) your full annual base salary and (B) annual incentive payment, in each case in effect at the time of the Change in Control or the Notice of Termination is given (whichever date provides a higher payment). For
purposes of this Section 4(a)(ii), your annual incentive payment shall mean your target bonus multiplied by the average of the corporate score under the annual incentive plan for the three years preceding the year in which your termination of
employment occurs. 
  
 The payment to be made to
you pursuant to this Section 4(a) shall not be reduced by the amount of any other payment or the value of any benefit received or to be received by you in connection with your termination of employment or contingent upon a Change in Control of the
Company (whether payable pursuant to the terms of this Agreement or any other agreement, plan or arrangement with the Company or an affiliate, predecessor or successor of the Company or any person whose actions result in a Change in Control of the
Company or an affiliate of such person), except your acceptance of the severance payment provided by this Agreement shall constitute a waiver of any right or entitlement to severance pay under any severance pay plan of the Company otherwise
applicable to you. In addition, the Company will pay you (x) all amounts under all retirement plans accrued through the Date of Termination (which shall be immediately vested on your termination of employment), Deferred Compensation Plan or any
other deferred compensation plan or non-qualified retirement plan in effect at the Date of Termination, such amounts to be paid to you at the time specified in your election (or deemed election) under such plans, notwithstanding any provisions of
such plan (or any related trust) that would allow WellChoice (or any trustee) to delay the payments of such amounts, (y) all amounts determined and earned by you on an annual basis consistent with WellChoice’s practice as of the date of this
Agreement for years ended before the year in which the Date of Termination occurs under, pursuant to or in connection with any Long-Term Incentive Compensation Plan adopted by WellChoice, notwithstanding the fact that your employment will have
terminated prior to the end of the relevant three-year period 

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 performance cycle thereunder or any vesting or other provisions of any such plan, and (z) if the number
of your years of service is a factor in the determination of your benefit under any of the Company’s defined benefit retirement plans, an amount equal to any additional benefit you would be entitled to under any such plans if your years of
service for purposes of such plans was increased by two. 
  
 You
shall not be required to mitigate the amount of any payment provided for in Section 4 by seeking other employment or otherwise, nor shall the amount of any payment or benefit provided for in Section 4 be reduced by any compensation earned by you as
the result of employment by another employer or by retirement benefits received after the Date of Termination or otherwise. 
  
 If you are entitled to the payments provided in Section 4 hereof, the Company or any of its subsidiaries shall continue your participation, as if you were
still an employee, in the medical, dental, hospitalization and life insurance plans, programs and/or arrangements of the Company or any of its subsidiaries in which you were participating on the date of the termination of your employment on the same
terms and conditions as other executives under such plans, programs and/or arrangements until the earlier of (i) the end of the 24-month period following the date of the termination of your employment or (ii) the date, or dates you receive
equivalent coverage and benefits under the plans, programs and/or arrangements of a subsequent employer (such coverage and benefits to be determined on a coverage-by-coverage or benefit-by-benefit basis). 
  
 Successors; Binding Agreement. 
  
 For purposes of this Agreement, the “Company” shall mean
WellChoice, Inc. The Company will require any successor (whether direct or indirect, by purchase, merger, consolidation or otherwise) to all or substantially all of the business and/or assets of the Company to expressly assume and agree to perform
this Agreement in the same manner and to the same extent that the Company is required to perform it. Failure of the Company to obtain such assumption and agreement prior to the effectiveness of any such succession shall be a breach of this Agreement
and shall entitle you to compensation from the Company in the same amount and on the same terms as you would be entitled hereunder if you had terminated your employment for Good Reason following a Change in Control, except that for purposes of
implementing the foregoing, the date on which any such succession becomes effective shall be deemed the Date of Termination. As used in this Agreement, “Company”shall mean the Company as defined in the first sentence of this Section 5(a)
as well as any successor to its business and/or assets as aforesaid which assumes and agrees to perform this Agreement by operation of law, or otherwise. 

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 This Agreement shall inure to the benefit of and be enforceable by your personal or legal
representatives, executors, administrators, successors, heirs, distributees, devisees and legatees. If you should die while any amount would still be payable to you hereunder if you had continued to live, all such amounts, unless otherwise provided
herein, shall be paid in accordance with the terms of this Agreement to your devisee, legatee or other designee or, if there is no such designee, to your estate. 
  
 Notice. For the purpose of this Agreement, notices and all other communications provided for in this Agreement shall
be in writing and shall be deemed to have been duly given when delivered or mailed by United States registered mail, return receipt requested, postage prepaid, addressed to the address set forth on the first page of this Agreement with respect to
the Company and on the signature page with respect to you, provided that all notices to the Company shall be directed to the attention of the General Counsel of the Company, or to such other address as either party may have furnished to the other in
writing in accordance herewith, except that notice of change of address shall be effective only upon receipt. 
  
 Miscellaneous. No provision of this Agreement may be modified, waived or discharged unless such waiver, modification or discharge is agreed to in
writing and signed by you and such officer as may be specifically designated by the Board. No waiver by either party hereto at any time of any breach by the other party hereto of, or compliance with, any conditions or provision of this Agreement to
be performed by such other party shall be deemed a waiver of similar or dissimilar provisions or conditions at the same or at any prior or subsequent time. This Agreement supercedes the Agreement entered into regarding the subject matter hereof by
the parties hereto dated December 23, 2002, and no agreements or representations, oral or otherwise, express or implied, with respect to the subject matter hereof have been made by either party which are not expressly set forth in this Agreement.
The validity, interpretation, construction and performance of this Agreement shall be governed by the laws of the State of New York, including Section 198 (1-a) of the New York Labor Law. All references to sections of the Code shall be deemed also
to refer to any successor provisions to such sections. Any payments provided for hereunder shall be paid net of any applicable withholding required under federal, state or local law. The obligations of the Company under Section 4 shall survive the
expiration of the term of this Agreement. 
  
 Validity. The
invalidity or unenforceability of any provision of this Agreement shall not affect the validity or enforceability of any other provision of this Agreement, which shall remain in full force and effect. 
  
 Legal Expenses. The Company shall also pay to you all legal fees and
expenses reasonably incurred by you in contesting or disputing the nature of 

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 any termination of your employment for purposes of this Agreement or in seeking to obtain or enforce any right or benefit
provided by this Agreement); provided that the Company shall not be obligated to pay any amount under this Section 10 to the extent a court or a mutually agreed upon arbitrator determines that your claim, contest, dispute or enforcement of this
Agreement is frivolous. 
  
 Counterparts. This Agreement
may be executed in several counterparts, each of which shall be deemed to be an original but all of which together will constitute one and the same instrument. 
  

Arbitration. Any dispute or controversy arising under or in connection with this Agreement shall be settled exclusively by arbitration in
accordance with the rules of the American Arbitration Association then in effect. Judgment may be entered on the arbitrator’s award in any court having jurisdiction; provided, however, that you shall be entitled to seek specific performance of
your right to be paid until the Date of Termination during the pendency of any dispute or controversy arising tinder or in connection with this Agreement. 
  
 If this letter sets forth our agreement on the subject matter hereof, kindly sign and return to the Company the enclosed copy of this letter which will
then constitute our agreement on this subject. 
  

			
	 Sincerely,

	
	 WELLCHOICE, INC.

		
	 By:
	 	 /s/ Michael A. Stocker, M.D.

	
	 Name: Michael A. Stocker, M.D.

	 Title: Chief Executive Officer

  
 Agreed to this 12th day 
 of February 2003 

 

	
	 /s/ Jason Gorevic

	
	 Address for notices:WellChoice, Inc. Annual Executive Incentive Compensation Plan - 2004 Plan Desc.

 Exhibit 10.30 
  
 WELLCHOICE, INC. 
 ANNUAL EXECUTIVE INCENTIVE COMPENSATION PLAN 
 2004 PLAN DESCRIPTION 
  
 PURPOSE 
  
 The purpose of the WellChoice, Inc. (the “Company”) Annual Executive Incentive Compensation Plan (the “Plan”) is to
improve Company performance by relating executive and management compensation to corporate and division annual objectives and to motivate eligible employees to achieve operational excellence. 
  
 ELIGIBILITY 
  
 Participation in the Plan is generally restricted to full-time positions that are: 
  

	1.	Executive, middle management, or other key contributors, and 

  

	2.	Grades 25 or above. 

  
 However, additional positions below grade 25 that significantly and directly influence business performance may be selectively included at the discretion of the President and Chief Executive Officer (the
“CEO”). Positions otherwise eligible may be deleted at the CEO’s discretion. The Target Award Pool will not be increased to accommodate the target awards for any such positions that are added. 
  
 Positions participating in the Sales Incentive Plan or other short-term incentive plans
offered by the Company are not eligible to participate in this Plan for that portion of the year during which they participated in another plan. 
  
 ADMINISTRATION SUMMARY 
  
 At the beginning of each year, the CEO will develop performance measures for the Company based on WellChoice’s annual plan. The CEO will recommend the corporate objectives to the Board of Directors for approval.

  
 At the beginning of each year (See Exhibit A), the Compensation Committee of
the Board (the “Committee”) will evaluate the performance of the CEO and the Company for the most recent Plan year. The Committee will then establish the Performance Adjusted Award Pool and recommend the actual incentive payments to be
awarded to the CEO and direct reports to the CEO, and present them to the full Board for ratification. The Committee may, at its discretion, establish separate pools and separate multipliers for the CEO and for the group of all other eligible
executives. 
  
 The Committee has overall responsibility for, and has the maximum
discretion permitted under the law over, the administration of the Plan and the interpretation of all of the Plan’s terms. The Board of Directors reserves the right to amend, suspend, or terminate the Plan at any time without recourse on the
part of any employee. 
  

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 PLAN FEATURES 
  
 Individual Awards - Current participants and new participants who enter the Plan after January 1, 2004 will have Individual Awards based on their base
salary in effect as of April 15, 2004 times the target award percentage associated with their grade level as shown in Exhibit B. Pro-rations will be made for salary and grade changes that occur after April 15, 2004 as appropriate. 
  
 Adjusted Individual Awards are determined by the CEO and management based on the
individual’s contribution to corporate, division and individual business objectives. Adjusted Individual Awards for the direct reports to the CEO, and direct reports to the Executive Vice President and Chief Operating Officer, will be
individually reviewed by the Compensation Committee. An Adjusted Individual Award may be more or less than the Individual Target Award depending on actual results achieved, but will not exceed 1.5 times the Individual Target Award. All awards are
granted as lump sum payments. 
  
 Target Award Pool - The sum of the
Individual Target Awards of eligible Plan participants in grade 25 and above at 100% performance on all objectives is the Target Award Pool. At target, if all Plan participants as of December 2003 remain in the Plan for the full year, the Target
Award Pool would be $11.6 million (not including the target award for the CEO, for whom the Board may establish a separate pool). The actual pool will be based on participants as of December 31, 2004, prorated based on months of participation in the
Plan and any changes in grade level during the Plan year as well as changes to base salary that occur during the Plan year. 
  
 Performance Objectives - Specific objectives are established at the beginning of the performance period (See Exhibit C) for the corporation, each division
and each eligible individual. Objectives may be weighted based on relative importance. 
  
 Corporate objectives will be expressed as measurable results, (e.g., achievement of targeted pre-tax earnings growth, increase in membership, customer satisfaction, etc.). 
  
 Performance Measures - Objectives will have numerical measures by which to assess performance. Each objective will generally
have a threshold level of performance, below which no credit will be earned. In some cases, the target performance level may also be the threshold. Each objective will also have a maximum level of performance above which no additional credit will be
earned. Achieving the objective, i.e., the target performance level, earns 1.0 credit for that goal. 
  
 Measures selected for the Corporation may vary from one year to another. Chosen measures will, in each instance, reflect important strategic and/or tactical objectives crucial to the applicable entity’s success.

  
 Corporate Multiplier - The Corporate Multiplier will be based on
the aggregate level of corporate objective achievement and will range from 0 to 1.5. Each weighted corporate objective will be evaluated and scored separately. The weighted scores will be summed to become the Corporate Multiplier (See Exhibit D) to
be utilized in determining the Performance Adjusted Award Pool. The Committee has discretion to modify the results of the calculation if, in their opinion, it does not appropriately reflect overall performance. 
  
 Performance Adjusted Award Pool - Calculation of a Performance Adjusted Award
Pool will be made at the end of each performance year. The Pool is equal to the product of the Target Award Pool adjusted by the Corporate Multiplier. Payments to all eligible participants may not exceed the Performance Adjusted Award
Pool. 
  

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 SPECIAL CONSIDERATIONS 
  
 If a participant’s employment is terminated due to death or permanent disability, or if a termination of employment occurs due to
retirement (defined herein as eligibility for retiree medical coverage based on meeting the following criteria: (1) at least 65 years of age plus 10 or more years of service, (2) at least 55 years of age plus 20 or more years of service, or (3) at
least 30 years of service at any age), prior to the date of payment, the participant or the participant’s beneficiary will eligible to receive, subject to recommendation by the participant’s manager and the CEO along with approval by the
Committee and ratification by the Board, a pro-rata portion of the award that would have been received had the participant been active for the full year. Notwithstanding anything to the contrary in this Plan, if a participant’s employment is
terminated prior to the date of payment due to voluntary resignation, job elimination or discharge, any rights to an award will be forfeited. 
  
 If a participant terminates employment prior to the date of payment for any reason other than death, permanent disability or retirement (as defined above), any rights to
an award will be forfeited. 
  
 LIMITATIONS 
  

	(a)	No part of the Plan shall be construed as an employment or compensation contract, either explicit or implied. The establishment of the Plan shall not be construed as conferring any
legal rights upon any participant for a continuation of employment, nor shall it interfere with the rights of the Company to discharge a participant and to treat him or her without regard to the effect which such treatment might have upon him or her
as a participant in the Plan. 

  

	(b)	The Company shall have the right to deduct from any amounts otherwise payable to a participant, whether pursuant to the Plan or otherwise, or otherwise to collect from the
participant, any required withholding taxes with respect to benefits under the Plan. 

  

	(c)	Subject to any applicable law, no benefit under the Plan shall be subject in any manner to, nor shall the Company be obligated to recognize, any purported anticipation, alienation,
sale, transfer (otherwise than by will or the laws of descent and distribution), assignment, pledge encumbrance, or charge, and any attempt to do so shall be void. No such benefit shall in any manner be liable for or subject to garnishment,
attachment, execution, or as a levy, or liable for or subject to the debts, contracts, liabilities, engagements, or torts of the participant. 

  

	(d)	The Plan shall not be construed as conferring on a participant any right, title, interest, or claim in or to any specific asset, reserve, account, or property of any kind possessed
by the Company. To the extent that as a participant or any other person acquired a right to receive payments from the Company, such right shall be no greater than the rights of an unsecured general creditor. 

  

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