Document:

<PAGE>

EXHIBIT 4-H

                               FIRST AMENDMENT TO
                           LOAN AND SECURITY AGREEMENT

         THIS FIRST AMENDMENT TO LOAN AND SECURITY AGREEMENT ("First Amendment")
is made as of the 19th day of March, 2004 by and among TruServ Corporation, a
Delaware corporation ("TruServ"), TruServ Acceptance Company, an Illinois
corporation ("TruServ Acceptance"), TruServ Logistics Company, an Illinois
corporation ("TruServ Logistics"), General Paint & Manufacturing Company
("General Paint") and True Value.com Corporation, a Delaware corporation ("True
Value.com"), Bank of America N.A., as Syndication Agent ("Syndication Agent")
and Congress Financial Corporation (Central), Merrill Lynch Capital, a Division
of Merrill Lynch Business Financial Services, Inc., and LaSalle Business Credit,
LLC as Co-Documentation Agents ("Co-Documentation Agents"), the lenders who are
signatories hereto ("Lenders"), and Fleet Capital Corporation, a Rhode Island
corporation ("FCC"), as agent for Lenders hereunder (FCC, in such capacity,
being "Agent"). TruServ, TruServ Acceptance, TruServ Logistics, General Paint
and True Value.com are sometimes hereinafter referred to individually as a
"Borrower" and collectively as "Borrowers."

                              W I T N E S S E T H:
                               - - - - - - - - - -

         WHEREAS, Borrowers, Syndication Agent, Co-Documentation Agents, Agent
and Lenders entered into a certain Loan and Security Agreement dated as of
August 29, 2003 (said Loan and Security Agreement is hereinafter referred to as
the "Loan Agreement"); and

         WHEREAS, Borrowers desire to amend and modify certain provisions of the
Loan Agreement and, subject to the terms hereof, Agent and Lenders are willing
to agree to such amendments and modifications;

         NOW THEREFORE, in consideration of the premises, the mutual covenants
and agreements herein contained, and any extension of credit heretofore, now or
hereafter made by Agent and Lenders to Borrowers, the parties hereto hereby
agree as follows:

         1. Definitions. All capitalized terms used herein without definition
shall have the meaning given to them in the Loan Agreement.

         2. Added Definitions. Appendix A of the Loan Agreement is hereby
amended to insert the following new definitions of "Deferred Redemption Reserve"
and "First Amendment" in their appropriate alphabetical order:

                  "Deferred Redemption Reserve - a reserve established by Agent
         for Distributions to be made to satisfy deferred liabilities in respect
         of Class A or Class B Common Stock presented for redemption during the
         period commencing March of 2000, such reserve to equal the aggregate
         amount of the initial cash payment with respect to such deferred
         liabilities to be made to each Member on or after the date that the
         Board of Directors of TruServ establishes as the effective date of the
         end to the moratorium on stock

<PAGE>

         redemptions, as such aggregate amount is reflected from time to time on
         TruServ's books and records and to be reported on and adjusted monthly
         concurrently with the delivery of each Borrowing Base Certificate
         delivered pursuant to Section 8.1.4. The Deferred Redemption Reserve
         shall be reduced on a dollar-for-dollar basis for any payment to any
         Member described in this definition to the extent such payment is
         reflected in the amount of Deferred Redemption Reserve contained in
         subsequent Borrowing Base Certificates.

                  First Amendment - that certain First Amendment to Loan and
         Security Agreement dated as of March 19th, 2004 by and among Agent,
         Borrowers, Syndication Agent, Co-Documentation Agents and the Lenders
         party thereto."

         3. Amended Definitions. The definitions of "Closing Reserve,"
"Consolidated Net Income (Loss)," "Eligible Inventory" and "Indebtedness"
contained in Appendix A to the Loan Agreement or Exhibit 8.3 to the Loan
Agreement are hereby deleted and the following are inserted in their stead:

                  "Closing Reserve - a reserve established by Agent on the
         Closing Date in the initial amount of $4,900,000 for Distributions or
         Subordinated Debt Payments, which amount has been reduced to $0 on or
         prior to the date of the First Amendment.

                  Consolidated Net Income (Loss) - with respect to any period,
         the net income (or loss) of Borrowers determined in accordance with
         GAAP on a Consolidated basis; provided, however, Consolidated Net
         Income shall not include: (a) the income (or loss) of any Person (other
         than a Subsidiary of a Borrower) in which such Borrower or any of its
         wholly-owned Subsidiaries has an ownership interest unless received in
         a cash distribution or requiring the payment of cash; (b) the income
         (or loss) of any Person accrued prior to the date it became a
         Subsidiary of a Borrower or is merged into or consolidated with a
         Borrower; (c) all amounts included in determining net income (or loss)
         in respect of the write-up of assets on or after the Closing Date,
         including the subsequent amortization or expensing of the written-up
         portion of the assets; (d) extraordinary gains as defined under GAAP;
         (e) gains from asset dispositions (other than sales of inventory); (f)
         any non-cash gain amortization resulting from Borrowers' sale and
         leaseback transaction; and (g) any revenue realized from any sale where
         the sales proceeds are paid with notes, instruments or Equity
         Interests, to the extent such sales proceeds have not been written off
         as a bad debt expense; and provided, further, that rent expense for any
         period shall be adjusted to reflect the actual cash rent paid within
         the applicable period.

                  Eligible Inventory - Inventory of any Borrower (other than
         packaging materials and supplies, tooling, samples and literature),
         which Agent, in its reasonable credit judgment deems to be Eligible
         Inventory. Without limiting the generality of the foregoing, no
         Inventory shall be Eligible Inventory if:

                           (i) it is not in good, new and saleable condition; or

                           (ii) it is slow-moving, obsolete or unmerchantable;
                  or

                                       2
<PAGE>
                           (iii) it does not meet all standards imposed by any
                  governmental agency or authority; or

                           (iv) it does not conform in all respects to any
                  covenants, warranties and representations set forth in the
                  Agreement; or

                           (v) it is not at all times subject to Agent's duly
                  perfected, first priority security interest (subject to
                  Permitted Liens) or is subject to a Lien that is not a
                  Permitted Lien; or

                           (vi) it is not situated at a location in compliance
                  with the Agreement, provided that Inventory situated at a
                  location not owned by such Borrower will be Eligible Inventory
                  only if Agent has received a satisfactory Collateral Access
                  Agreement in a form substantially similar to the form
                  delivered by Agent to Borrowers on or prior to the Closing
                  Date with such revisions thereto as reasonably agreed to by
                  Agent, with respect to such location; or

                           (vii) it is Inventory on consignment (other than to
                  Agent or a Person with an agency relationship with Agent); or

                           (viii) it is Inventory in transit unless either (a)
                  it is in transit from a distribution center of a Borrower to a
                  Member's store or other location or (b) it satisfies the
                  conditions set forth in clause (ix) below; or

                           (ix) it is Inventory which is located outside the
                  United States of America unless it is in transit to either the
                  premises of a Customs Broker in the United States or premises
                  of a Borrower in the United States of America which are either
                  owned and controlled by a Borrower or leased by a Borrower, as
                  the case may be, provided that, (a) title to such Inventory is
                  evidenced by negotiable bills of lading (within the meaning of
                  the UCC) made to the order of Agent (or as otherwise directed
                  by Agent) and Agent has a first priority perfected security
                  interest in and lien upon, and control and possession of, one
                  (1) original (or all originals of such documents with respect
                  to Inventory purchased pursuant to documentary letter of
                  credit arrangements) of such documents of title with respect
                  to such Inventory (either directly or through a Customs Broker
                  as contemplated in Section 8.1.11 hereof), (b) such Inventory
                  would otherwise be Eligible Inventory hereunder and title to
                  such Inventory is in the name of a Borrower, and (c) Agent has
                  received (i) with respect to Inventory in transit to a Customs
                  Broker, a Collateral Access Agreement, duly authorized,
                  executed and delivered by such Customs Broker to Agent
                  (provided, that, for this purpose, if Agent has established
                  reserves for amounts due or to become due to such Customs
                  Broker, then an agreement from such Customs Broker that would
                  otherwise constitute a Collateral Access Agreement except that
                  it provides for such Customs Broker to retain an interest in
                  any documents of title with respect to any Collateral to
                  secure unpaid fees and charges owing to such Customs Broker,
                  shall be deemed a Collateral Access Agreement), (ii) with
                  respect to Inventory in transit to premises leased by a
                  Borrower, a Collateral Access Agreement, duly authorized,
                  executed

                                       3
<PAGE>
                  and delivered by the applicable lessor to Agent, (iii) a copy
                  of the certificate of marine cargo insurance in connection
                  therewith in which Agent has been named as an additional
                  insured and loss payee in a manner, and in all other respects,
                  acceptable to Agent, (iv) a copy of the invoice (if any),
                  manifest and any other shipping documents with respect
                  thereto, and (v) other evidence required by Agent evidencing
                  title of a Loan Party in such Inventory.

                                       4
<PAGE>

                  Indebtedness - as applied to a Person means, without
         duplication:

                           (i) all items which in accordance with GAAP would be
                  included in determining total liabilities as shown on the
                  liability side of a balance sheet of such Person as at the
                  date as of which Indebtedness is to be determined, including,
                  without limitation, Capitalized Lease Obligations;

                           (ii) all obligations of other Persons which such
                  Person has guaranteed;

                           (iii) all reimbursement obligations in connection
                  with letters of credit or letter of credit guaranties issued
                  for the account of such Person;

                           (iv) Derivative Obligations; and

                           (v) in the case of Borrowers (without duplication),
                  the Obligations.

                  The foregoing notwithstanding, Indebtedness shall not include
         obligations of a Person owing with respect to capital stock or other
         forms of equity issued by such Person which obligations are classified
         as debt or indebtedness solely as a result of the application of FASB
         150."

         4. Leases. Section 8.2.18 of the Loan Agreement is hereby deleted and
the following is inserted in its stead:

                  "8.2.18 Leases. (a) Except for leases entered into in
         connection with a sale and leaseback transaction in which the proceeds
         of the sale are used to repay the Revolving Credit Loans, leases
         existing on the Closing Date that are listed on Exhibit 7.1.22 (as
         amended by the First Amendment) and extensions, renewals and
         replacements thereof, become, or permit any of their Restricted
         Subsidiaries to become, a lessee under any operating lease (other than
         a lease under which a Borrower or any of its Restricted Subsidiaries is
         lessor) of Property is the aggregate Rentals payable during any current
         or future period of twelve (12) consecutive months under the lease in
         question and all other leases under which Borrowers or any of their
         Restricted Subsidiaries is then lessee would exceed $3,000,000. The
         term "Rentals" means, as of nay date of determination, all scheduled
         rental payments.

                  (b) Exhibit 7.1.22 to the Loan Agreement is hereby deleted and
         replaced with the new Exhibit 7.1.22 attached to this First Amendment."

         5. Deferred Redemption Reserve. Other than the references to "Closing
Reserve" contained in Section 9.4 of the Loan Agreement and the definition of
"Closing Reserve" in Appendix A of the Loan Agreement, each reference to
"Closing Reserve" contained in the Loan Agreement shall be deleted and replaced
with a reference to "Deferred Redemption Reserve."

                                       5
<PAGE>
         6. Financial Covenants. Section 8.3 of the Loan Agreement is hereby
amended to insert the following sentence at the end of such Section 8.3.

                  "Notwithstanding the foregoing, the financial covenants
         contained in Exhibit 8.3 shall be calculated without regard to the
         effects of EITF 02-16 and FAS 150."

         7. Execution in Counterparts. This First Amendment may be executed in
any number of counterparts and by different parties hereto in separate
counterparts, each of which shall be deemed an original but all of which
together shall constitute one and the same instrument.

         8. Continuing Effect. Except as otherwise specifically set out herein,
the provisions of the Loan Agreement shall remain in full force and effect.

         9. Successors and Assigns. This First Amendment shall be binding upon
and inure to the benefit of the successors and assigns of each Borrower, Agent
and each Lender permitted under Section 11.9 of the Loan Agreement.

         10. Governing Law. This First Amendment shall be governed by and
construed in accordance with the laws of the State of Illinois.

                            (SIGNATURE PAGE FOLLOWS)

                                       6

<PAGE>

       (SIGNATURE PAGE TO FIRST AMENDMENT TO LOAN AND SECURITY AGREEMENT)

         IN WITNESS WHEREOF, this First Amendment has been duly executed as of
the day and year specified at the beginning hereof.

                                   TRUSERV CORPORATION, as a Borrower

                                   By:  /s/ BARBARA L. WAGNER
                                      -------------------------------------
                                        Name:  Barbara L. Wagner
                                        Title: Vice President and Treasurer

                                   TRUSERV ACCEPTANCE COMPANY, as a Borrower

                                   By:  /s/ BARBARA L. WAGNER
                                      -------------------------------------
                                        Name:  Barbara L. Wagner
                                        Title: Vice President and Treasurer

                                   TRUSERV LOGISTICS COMPANY, as a Borrower

                                   By:  /s/ BARBARA L. WAGNER
                                      -------------------------------------
                                        Name:  Barbara L. Wagner
                                        Title: Vice President and Treasurer

                                   GENERAL PAINT & MANUFACTURING
                                   COMPANY, as a Borrower

                                   By:  /s/ BARBARA L. WAGNER
                                      -------------------------------------
                                        Name:  Barbara L. Wagner
                                        Title: Vice President and Treasurer

                                       TRUE VALUE.COM CORPORATION, as
                                       a Borrower

                                       By:  /s/ BARBARA L. WAGNER
                                          -------------------------------------
                                            Name:  Barbara L. Wagner
                                            Title: Vice President and Treasurer

<PAGE>

       (SIGNATURE PAGE TO FIRST AMENDMENT TO LOAN AND SECURITY AGREEMENT)

                                         FLEET CAPITAL CORPORATION, as Agent
                                         and as a Lender

                                         By:  /s/ SANDRA J. EVANS
                                            ---------------------------
                                              Name: Sandra J. Evans
                                              Title: Sr. Vice President

<PAGE>

       (SIGNATURE PAGE TO FIRST AMENDMENT TO LOAN AND SECURITY AGREEMENT)

                                         CONGRESS FINANCIAL CORPORATION
                                         (CENTRAL), as Co-Documentation Agent
                                         and as a Lender

                                         By:  /s/ ANTHONY VIZGIRDA
                                            --------------------------------
                                              Name: Anthony Vizgirda
                                              Title: First Vice President

<PAGE>

       (SIGNATURE PAGE TO FIRST AMENDMENT TO LOAN AND SECURITY AGREEMENT)

                                         BANK OF AMERICA, N.A., as
                                         Syndication Agent and as a Lender

                                         By:   /s/ ROBERT BARTKOWICZ
                                            ------------------------------
                                               Name: Robert Bartkowicz
                                               Title: Vice President

<PAGE>

       (SIGNATURE PAGE TO FIRST AMENDMENT TO LOAN AND SECURITY AGREEMENT)

                                    MERRILL LYNCH CAPITAL, a Division of
                                    Merrill Lynch Business Financial
                                    Service, Inc., as Co-Documentation
                                    Agent and as a Lender

                                    By:   /s/ RICHARD HOLSTON
                                       ----------------------------
                                          Name: Richard Holston
                                          Title: Vice President

<PAGE>

       (SIGNATURE PAGE TO FIRST AMENDMENT TO LOAN AND SECURITY AGREEMENT)

                                       LASALLE BUSINESS CREDIT, LLC, as
                                       Co-Documentation Agent and as a Lender

                                       By:   /s/ AMY LONG
                                          -------------------------------
                                             Name: Amy Long
                                             Title: First Vice President

<PAGE>

       (SIGNATURE PAGE TO FIRST AMENDMENT TO LOAN AND SECURITY AGREEMENT)

                                         THE CIT GROUP/BUSINESS CREDIT, INC.,
                                         as a Lender

                                         By:   /s/ JACK MYERS
                                            ------------------------------
                                               Name: Jack Myers
                                               Title: Vice President

<PAGE>

       (SIGNATURE PAGE TO FIRST AMENDMENT TO LOAN AND SECURITY AGREEMENT)

                                         M & I MARSHALL & ILSLEY BANK, as a
                                         Lender

                                         By:   /s/ LEO R FREEMAN
                                            ----------------------------
                                               Name: Leo R Freeman
                                               Title: Vice President

                                         By:   /s/ JAMES R MILLER
                                            ----------------------------
                                               Name: James R Miller
                                               Title: Vice President<PAGE>

                                                                    EXHIBIT 10.6

                                  SUNTRUST BANK
                           NONSTANDARDIZED 401(K) PLAN

By executing this 401(k) plan Adoption Agreement (the "Agreement") under the
SunTrust Bank Prototype Plan, the Employer agrees to establish or continue a
401(k) plan for its Employees. The 401(k) plan adopted by the Employer consists
of the Basic Plan Document #02 (the "BPD") and the elections made under this
Agreement (collectively referred to as the "Plan"). A Related Employer may
jointly co-sponsor the Plan by signing a Co-Sponsor Adoption Page, which is
attached to this Agreement. (See Section 22.164 of the BPD for the definition of
a Related Employer.) THIS PLAN IS EFFECTIVE AS OF THE EFFECTIVE DATE IDENTIFIED
ON THE SIGNATURE PAGE OF THIS AGREEMENT.

1.       EMPLOYER INFORMATION

      a. NAME AND ADDRESS OF EMPLOYER EXECUTING THE SIGNATURE PAGE OF THIS
         AGREEMENT: Books-A-Million, Inc. 402 Industrial Lane Birmingham,
         Alabama 35211

      b. EMPLOYER IDENTIFICATION NUMBER (EIN) FOR THE EMPLOYER: 63-0798460

      c. BUSINESS ENTITY OF EMPLOYER (optional):

[X]   (1) C-Corporation                 [ ]   (2)  S-Corporation
[ ]   (3) Limited Liability Corporation [ ]   (4)  Sole Proprietorship
[ ]   (5) Partnership                   [ ]   (6)  Limited Liability Partnership
[ ]   (7) Government                    [ ]   (8)  Other ___________

      d. LAST DAY OF EMPLOYER'S TAXABLE YEAR (optional): January 31

      e. DOES THE EMPLOYER HAVE ANY RELATED EMPLOYERS (as defined in Section
         22.164 of the BPD)?

[X]   (1) Yes                           [ ]  (2)  No

      f. IF e. IS YES, LIST THE RELATED EMPLOYERS (optional):

         American Internet Service, Inc.

         American Wholesale Book Company, Inc.

         NetCentral, Inc.

         booksamillion.com, Inc.

         [NOTE: This Plan will cover Employees of a Related Employer only if
         such Related Employer executes a Co-Sponsor Adoption Page. Failure to
         cover the Employees of a Related Employer may result in a violation of
         the minimum coverage rules under Code Section 410(b). See Section 1.3
         of the BPD.]

2.       PLAN INFORMATION

      a. NAME OF PLAN: Books-A-Million, Inc. 401(k) Profit Sharing Plan

      b. PLAN NUMBER (as identified on the Form 5500 series filing for the
         Plan): 001

      c. TRUST IDENTIFICATION NUMBER (optional): _____________________________

      d. PLAN YEAR: [Check (1) or (2). Selection (3) may be selected in addition
         to (1) or (2) to identify a Short Plan Year.]

          [X]  (1) The calendar year.
          [ ]  (2) The 12-consecutive month period ending _______.
          [X]  (3) The Plan has a Short Plan Year beginning February 1, 2003 and
               ending December 31, 2003 .

3.       TYPES OF CONTRIBUTIONS

         The following types of contributions are authorized under this Plan.
         The selections made below should correspond with the selections made
         under Parts 4A, 4B, 4C, 4D and 4E of this Agreement.

         [X] a. SECTION 401(k) DEFERRALS (see Part 4A).

         [X] b. EMPLOYER MATCHING CONTRIBUTIONS (see Part 4B).

? 2001 SunTrust Bank

                                       1

<PAGE>

         [ ] c. EMPLOYER NONELECTIVE CONTRIBUTIONS (see Part 4C).

         [ ] d. EMPLOYEE AFTER-TAX CONTRIBUTIONS (see Part 4D).

         [ ] e. SAFE HARBOR MATCHING CONTRIBUTIONS (see Part 4E, #27).

         [ ] f. SAFE HARBOR NONELECTIVE CONTRIBUTIONS (see Part 4E, #28).

         [ ] g. NONE. This Plan is a Frozen Plan Effective ____________
                (see Section 2.1(d) of the BPD).

                        PART 1 - ELIGIBILITY CONDITIONS

                           (See Article 1 of the BPD)

4.       EXCLUDED EMPLOYEES. [Check a. or any combination of b. - f. for those
         contributions the Employer elects to make under Part 4 of this
         Agreement. See Section 1.2 of the BPD for rules regarding the
         determination of Excluded Employees for Employee After-Tax
         Contributions, QNECs, QMACs and Safe Harbor Contributions.]

<TABLE>
<CAPTION>
              (1)          (2)        (3)
         SECTION 401(k)  EMPLOYER   EMPLOYER
           DEFERRALS       MATCH   NONELECTIVE
<S>      <C>             <C>       <C>            <C>
a.           [X]          [X]         [ ]         No excluded categories of Employees.

b.           [ ]          [ ]         [ ]         Union Employees (see Section 22.202 of the BPD).

c.           [ ]          [ ]         [ ]         Nonresident Alien Employees (see Section 22.124 of the BPD).

d.           [ ]          [ ]         [ ]         Leased Employees (see Section 1.2(b) of the BPD).

e.           [ ]          [ ]         [ ]         Highly Compensated Employees (see Section 22.99 of the BPD).

f.           [ ]          [ ]         [ ]         (Describe Excluded Employees): _____________________________
</TABLE>

5.       MINIMUM AGE AND SERVICE CONDITIONS FOR BECOMING AN ELIGIBLE
         PARTICIPANT. [Check a. or check b. and/or any one of c. - e. for those
         contributions the Employer elects to make under Part 4 of this
         Agreement. Selection f. may be checked instead of or in addition to any
         selections under b. - e. See Section 1.4 of the BPD for the application
         of the minimum age and service conditions for purposes of Employee
         After - Tax Contributions, QNECs, QMACs and Safe Harbor Contributions.
         See Part 7 of this Agreement for special service crediting rules.]

<TABLE>
<CAPTION>
           (1)         (2)        (3)
        SECTION 401  EMPLOYER   EMPLOYER
        (k)DEFERRALS   MATCH   NONELECTIVE
<S>     <C>          <C>       <C>             <C>
a.        [ ]         [ ]        [ ]           None (conditions are met on Employment Commencement Date).

b.        [X]         [X]        [ ]           Age 21 (cannot exceed age 21).

c.        [ ]         [ ]        [ ]           One Year of Service.

d.        [X]         [X]        [ ]           6 consecutive months (not more than 12) during which the Employee
                                               completes at least 1 Hours of Service (cannot exceed 1,000). If an
                                               Employee does not satisfy this requirement in the first designated
                                               period of months following his/her Employment Commencement Date, such
                                               Employee will be deemed to satisfy this condition upon completing a Year
                                               of Service (as defined in Section 1.4(b) of the BPD).

e.        N/A         [ ]        [ ]           Two Years of Service. [Full and immediate vesting must be selected under
                                               Part 6 of this Agreement.]

f.        [ ]         [ ]        [ ]           (Describe eligibility conditions): _____________________________________

                                               [NOTE: Any conditions provided under f. must be described in a manner
                                               that precludes Employer discretion and must satisfy the
                                               nondiscrimination requirements of Section 1.401(a)(4) of the regulations,
                                               and may not cause the Plan to violate the provisions of Code
                                               Section 410(a).]
</TABLE>

? 2001 SunTrust Bank

                                       2

<PAGE>

[  ]6.   DUAL ELIGIBILITY. Any Employee (other than an Excluded Employee) who is
         employed on the date designated under a. or b. below, as applicable, is
         deemed to be an Eligible Participant as of the later of the date
         identified under this #6 or the Effective Date of this Plan, without
         regard to any Entry Date selected under Part 2. See Section 1.4(d)(2)
         of the BPD. [NOTE: If this #6 is checked, also check a. or b. If this
         #6 is not checked, the provisions of Section 1.4(d)(1) of the BPD
         apply.]

         [ ] a. The Effective Date of this Plan.

         [ ] b. (Identify date) _______________________________

         [NOTE: Any date specified under b. may not cause the Plan to violate
         the provisions of Code Section 410(a). See Section 1.4 of the BPD.]

                     PART 2 - COMMENCEMENT OF PARTICIPATION

                          (See Section 1.5 of the BPD)

7.       ENTRY DATE UPON WHICH PARTICIPATION BEGINS AFTER COMPLETING MINIMUM AGE
         AND SERVICE CONDITIONS UNDER PART 1, #5 ABOVE. [Check one of a. - e.
         for those contributions the Employer elects to make under Part 4 of
         this Agreement. See Section 1.5 of the BPD for determining the Entry
         Date applicable to Employee After-Tax Contributions, QNECs, QMACs and
         Safe Harbor Contributions.]

<TABLE>
<CAPTION>
           (1)          (2)        (3)
      SECTION 401(k)  EMPLOYER    EMPLOYER
         DEFERRALS     MATCH    NONELECTIVE
<S>   <C>             <C>       <C>           <C>
a.        [ ]          [ ]         [ ]        The next following Entry Date (as defined in #8 below).

b.        [X]          [X]         [ ]        The Entry Date (as defined in #8 below) coinciding with or next
                                              following the completion of the age and service conditions.

c.        N/A          [ ]         [ ]        The nearest Entry Date (as defined in #8 below).

d.        N/A          [ ]         [ ]        The preceding Entry Date (as defined in #8 below).

e.        [ ]          [ ]         [ ]        The date the age and service conditions are satisfied. [Also
                                              check #8.e. below for the same type of contribution(s) checked here.]
</TABLE>

8.       DEFINITION OF ENTRY DATE. [Check one of a. - e. for those contributions
         the Employer elects to make under Part 4 of this Agreement. Selection
         f. may be checked instead of or in addition to a. - e. See Section 1.5
         of the BPD for determining the Entry Date applicable to Employee
         After-Tax Contributions, QNECs, QMACs and Safe Harbor Contributions.]

<TABLE>
<CAPTION>
           (1)          (2)        (3)
      SECTION 401(k)  EMPLOYER    EMPLOYER
         DEFERRALS     MATCH    NONELECTIVE
<S>   <C>             <C>       <C>            <C>
a.        [ ]          [ ]         [ ]         The first day of the Plan Year and the first day of 7th month of
                                               the Plan Year.

b.        [ ]          [ ]         [ ]         The first day of each quarter of the Plan Year.

c.        [ ]          [ ]         [ ]         The first day of each month of the Plan Year.

d.        [ ]          [ ]         [ ]         The first day of the Plan Year. [If #7.a. or #7.b. above is checked
                                               for the same type of contribution as checked here, see the restrictions
                                               in Section 1.5(b) of the BPD.]

e.        [X]          [X]         [ ]         The date the conditions in Part 1, #5. above are satisfied. [This
                                               e. should be checked for a particular type of contribution only if
                                               #7.e. above is also checked for that type of contribution.]

f.        [ ]          [ ]         [ ]         (Describe Entry Date) ______________________

                                               [NOTE: Any Entry Date designated in f. must comply with the
                                               requirements of Code Section 410(a)(4) and must satisfy the nondiscrimination
                                               requirements under Section 1.401(a)(4) of the regulations. See Section 1.5(a)
                                               of the BPD.]
</TABLE>

? 2001 SunTrust Bank

                                       3

<PAGE>

                        PART 3 - COMPENSATION DEFINITIONS

                   (See Sections 22.102 and 22.197 of the BPD)

9.       DEFINITION OF TOTAL COMPENSATION:

         [X]   a.  W-2 Wages.

         [ ]   b.  Withholding Wages.

         [ ]   c.  Code Section 415 Safe Harbor Compensation.

         [NOTE: Each of the above definitions is increased for Elective
         Deferrals (as defined in Section 22.61 of the BPD, for pre-tax
         contributions to a cafeteria plan or a Code Section 457 plan, and for
         qualified transportation fringes under Code Section 132(f)(4). See
         Section 22.197 of the BPD.]

10.      DEFINITION OF INCLUDED COMPENSATION for allocation of contributions or
         forfeitures: [Check a. or b. for those contributions the Employer
         elects under Part 4 of this Agreement. If b. is selected for a
         particular contribution, also check any combination of c. through j.
         for that type of contribution. See Section 22.102 of the BPD for
         determining Included Compensation for Employee After-Tax Contributions,
         QNECs, QMACs and Safe Harbor Contributions.]

<TABLE>
<CAPTION>
          (1)           (2)          (3)
     SECTION 401(k)   EMPLOYER     EMPLOYER
       DEFERRALS       MATCH     NONELECTIVE
<S>  <C>              <C>        <C>             <C>
a.        [X]           [X]          [ ]         Total Compensation, as defined in #9 above.

b.        [ ]           [ ]          [ ]         Total Compensation, as defined in #9 above, with the
                                                 following exclusions:

c.        N/A           [ ]          [ ]         Elective Deferrals, pre-tax contributions to a cafeteria plan
                                                 or a Code Section 457 plan, and qualified transportation fringes under
                                                 Code Section 132(f)(4) are excluded. See Section 22.102 of the BPD.

d.        [ ]           [ ]          [ ]         Fringe benefits, expense reimbursements, deferred compensation,
                                                 welfare benefits are excluded.

e.        [ ]           [ ]          [ ]         Compensation above $_____ is excluded.

f.        [ ]           [ ]          [ ]         Bonuses are excluded.

g.        [ ]           [ ]          [ ]         Commissions are excluded.

h.        [ ]           [ ]          [ ]         Overtime is excluded.

i.        [ ]           [ ]          [ ]         Amounts paid for services performed for a Related Employer that
                                                 does not execute the Co-Sponsor Adoption Page under this Agreement
                                                 are excluded.

j.        [ ]           [ ]          [ ]         (Describe modifications to Included Compensation): _____
</TABLE>

         [NOTE: Unless otherwise provided under j., any exclusions selected
         under f. through j. above do not apply to Nonhighly Compensated
         Employees in determining allocations under the Permitted Disparity
         Method under Part 4C, #21.b. of this Agreement or for purposes of
         applying the Safe Harbor 401(k) Plan provisions under Part 4E of this
         Agreement.]

[ ] 11.   SPECIAL RULES.

         [ ] a.  HIGHLY COMPENSATED EMPLOYEES ONLY. For all purposes under the
                 Plan, the modifications to Included Compensation elected in
                 #10.f. through #10.j. above will apply only to Highly
                 Compensated Employees.

         [ ] b.  MEASUREMENT PERIOD (SEE THE OPERATING RULES UNDER SECTION
                 2.2(c)(3) OF THE BPD). Instead of the Plan Year, Included
                 Compensation is determined on the basis of the period under (1)
                 or (2) below.

               [ ]  (1) The calendar year ending in the Plan Year.

               [ ]  (2) The 12-month period ending on __________ which ends
                    during the Plan Year.

               [NOTE: If this selection b. is checked, Included Compensation
               will be determined on the basis of the period designated in (1)
               or (2) for all contribution types. If this selection b. is not
               checked, Included Compensation is based on the Plan Year. See
               Part 4 for the ability to use partial year Included
               Compensation.]

? 2001 SunTrust Bank

                                       4

<PAGE>

               [PRACTITIONER TIP: If #11.b is checked, it is recommended that
               the Limitation Year for purposes of applying the Annual Additions
               Limitation under Code Section 415 correspond to the period used
               to determine Included Compensation. This modification to the
               Limitation Year may be made in Part 13, #69.a. of this
               Agreement.]

                       PART 4A - SECTION 401(k) DEFERRALS

                         (See Section 2.3(a) of the BPD)

[X]      Check this selection and complete the applicable sections of this Part
         4A to allow for Section 401(k) Deferrals under the Plan.

[X] 12.  SECTION 401(k) DEFERRAL LIMIT. 15 % of Included Compensation. [If this
         #12 is NOT checked, the Code Section 402(g) deferral limit described in
         Section 17.1 of the BPD and the Annual Additions Limitation under
         Article 7 of the BPD still apply.]

         [X] a.APPLICABLE PERIOD. The limitation selected under #12 applies with
               respect to Included Compensation earned during:

               [X] (1) the Plan Year.

               [ ] (2) the portion of the Plan Year in which the Employee is an
                       Eligible Participant.

               [ ] (3) each separate payroll period during which the Employee is
                       an Eligible Participant.

               [NOTE: If Part 3, #11.b. is checked, any period selected under
               this a. will be determined as if the Plan Year were the period
               designated under Part 3, #11.b. See Section 2.2(c)(3) of the
               BPD.]

         [ ] b.LIMIT APPLICABLE ONLY TO HIGHLY COMPENSATED EMPLOYEES. [If this
               b. is not checked, any limitation selected under #12 applies to
               all Eligible Participants.]

               [ ] (1) The limitation selected under #12 applies only to Highly
                       Compensated Employees.

               [ ] (2) The limitation selected under #12 applies only to
                       Nonhighly Compensated Employees. Highly Compensated
                       Employees may defer up to ____% of Included Compensation
                       (as determined under a. above). [The percentage inserted
                       in this (2) for Highly Compensated Employees must be
                       lower than the percentage inserted in #12 for Nonhighly
                       Compensated Employees.]

[X] 13.  MINIMUM DEFERRAL RATE: [If this #13 is not checked, no minimum
         deferral rate applies to Section 401(k) Deferrals under the Plan.]

         [X] a. 1 % of Included Compensation for a payroll period.

         [ ] b. $ ___ for a payroll period.

[ ] 14.  AUTOMATIC DEFERRAL ELECTION. (See Section 2.3(a)(2) of the BPD.) An
         Eligible Participant will automatically defer ____ % of Included
         Compensation for each payroll period, unless the Eligible Participant
         makes a contrary Salary Reduction Agreement election on or after ____.
         This automatic deferral election will apply to:

         [ ] a. all Eligible Participants.

         [ ] b. only those Employees who become Eligible Participants on or
                after the following date:
                ________________________________________________________________

[ ] 15.  EFFECTIVE DATE. If this Plan is being adopted as a new 401(k) plan or
         to add a 401(k) feature to an existing plan, Eligible Participants may
         begin making Section 401(k) Deferrals as of:_____

? 2001 SunTrust Bank
                                       5

<PAGE>

                    PART 4B - EMPLOYER MATCHING CONTRIBUTIONS

                    (See Sections 2.3(b) and (c) of the BPD)

[X]      CHECK THIS SELECTION AND COMPLETE THIS PART 4B TO ALLOW FOR EMPLOYER
         MATCHING CONTRIBUTIONS. Each formula allows for Employer Matching
         Contributions to be allocated to Section 401(k) Deferrals and/or
         Employee After-Tax Contributions (referred to as "applicable
         contributions"). If a matching formula applies to both types of
         contributions, such contributions are aggregated to determine the
         Employer Matching Contribution allocated under the formula. If any
         formula applies to Employee After-Tax Contributions, Part 4D must be
         completed. [NOTE: Do not check this selection if the only Employer
         Matching Contributions authorized under the Plan are Safe Harbor
         Matching Contributions. Instead, complete the applicable elections
         under Part 4E of this Agreement. If a "regular" Employer Matching
         Contribution will be made in addition to a Safe Harbor Matching
         Contribution, complete this Part 4B for the "regular" Employer Matching
         Contribution and Part 4E for the Safe Harbor Matching Contribution. To
         avoid ACP Testing with respect to any "regular" Employer Matching
         Contributions, such contributions may not be based on applicable
         contributions in excess of 6% of Included Compensation and any
         discretionary "regular" Employer Matching Contributions may not exceed
         4% of Included Compensation.]

16.      EMPLOYER MATCHING CONTRIBUTION FORMULA(S): [See the operating rules
         under #17 below.]

<TABLE>
<CAPTION>
             (1)             (2)
       SECTION 401(k)     EMPLOYEE
         DEFERRALS        AFTER-TAX
<S>    <C>                <C>            <C>
a.          [ ]             [ ]          FIXED MATCHING CONTRIBUTION.___ % of each Eligible Participant's
                                         applicable contributions. The Employer Matching Contribution
                                         does not apply to applicable contributions that exceed:

                                         [ ]  (a)  ___% of Included Compensation.

                                         [ ]  (b)  $___.

                                         [NOTE: If neither (a) nor (b) is checked, all applicable contributions
                                         are eligible for the Employer Matching Contribution under this
                                         formula.]

b.          [X]             [ ]          DISCRETIONARY MATCHING CONTRIBUTION. A uniform percentage, as determined
                                         by the employer, of each Eligible Participant's applicable contributions.

                                         [ ]  (a) The Employer Matching Contribution allocated to any Eligible
                                                  Participant may not exceed____ % of Included Compensation.

                                         [X]  (b) The Employer Matching Contribution will apply only to a
                                                  Participant's applicable contributions that do not exceed:

                                                  [ ]  1. ___% of Included Compensation.

                                                  [ ]  2. $___.

                                                  [X]  3. a dollar amount or percentage of Included Compensation that is
                                                          uniformly determined by the Employer for all Eligible
                                                          Participants.

                                                  [NOTE: If none of the selections 1. - 3. is checked, all applicable
                                                  contributions are eligible for the Employer Matching Contribution
                                                  under this formula.]
</TABLE>

? 2001 SunTrust Bank

                                       6

<PAGE>

<TABLE>
<S>      <C>          <C>          <C>
c.       [  ]         [  ]         TIERED MATCHING CONTRIBUTION. A uniform percentage of each tier of
                                   each Eligible Participant's applicable contributions, determined as follows:

                                   Tiers of contributions    Matching percentage
                                   ----------------------    -------------------
                                   (indicate $ or %)

                                   (a) First ______________    (b) ______________

                                   (c) Next _______________    (d) ______________

                                   (e) Next _______________    (f) ______________

                                   (g) Next _______________    (h) ______________

                                   [NOTE: Fill in only percentages or dollar amounts, but not both. If
                                   percentages are used, each tier represents the amount of the
                                   Participant's applicable contributions that equals the specified
                                   percentage of the Participant's Included Compensation.]

d.       [  ]         [  ]         DISCRETIONARY TIERED MATCHING CONTRIBUTION. The Employer will determine
                                   a matching percentage for each tier of each Eligible Participant's
                                   applicable contributions. Tiers are determined in increments of:

                                      Tiers of contributions
                                      ----------------------
                                        (indicate $ or %)

                                     (a) First _____________

                                     (b) Next  _____________

                                     (c) Next  _____________

                                     (d) Next  _____________

                                   [NOTE: Fill in only percentages or dollar amounts, but not both. If
                                   percentages are used, each tier represents the amount of the
                                   Participant's applicable contributions that equals the specified
                                   percentage of the Participant's Included Compensation.]

e.       [  ]         [  ]         YEAR OF SERVICE MATCHING CONTRIBUTION. A uniform percentage of each
                                   Eligible Participant's applicable contributions based on Years of
                                   Service with Employer, determined as follows:

                                    Years of Service     Matching Percentage
                                    ----------------     -------------------

                                    (a) ____________     (b) ______________%

                                    (c) ____________     (d) ______________%

                                    (e) ____________     (f) ______________%

                                   [  ] 1. In applying the Year of Service matching contribution formula,
                                           a Year of Service is: [If not checked, a Year of Service is
                                           1,000 Hours of Service during the Plan Year.]

                                           [  ] a. as defined for purposes of eligibility under Part 7.

                                           [  ] b. as defined for purposes of vesting under Part 7.

                                   [  ] 2. Special limits on Employer Matching Contributions under the Year of
                                           Service formula:

                                           [  ] a. The Employer Matching Contribution allocated to any Eligible
                                                   Participant may not exceed _____% of Included Compensation.

                                           [  ] b. The Employer Matching Contribution will apply only to a
                                                   Participant's applicable contributions that do not exceed:

                                                   [  ] (1)  ___% of Included Compensation.

                                                   [  ] (2) $___.
</TABLE>

? 2001 SunTrust Bank

                                       7

<PAGE>

<TABLE>
<S>      <C>          <C>          <C>
f.       [ ]           [ ]         NET PROFITS. Any Employer Matching Contributions made in accordance
                                   with the elections under this #16 are limited to Net Profits. [If this f. is
                                   checked, also select (a) or (b) below.]

                                   [ ]  (a) DEFAULT DEFINITION OF NET PROFITS. For purposes of this selection
                                            f., Net Profits is defined in accordance with Section 2.2(a)(2)
                                            of the BPD.

                                   [ ]  (b) MODIFIED DEFINITION OF NET PROFITS. For purposes of this selection
                                            f., Net Profits is defined as follows:

                                            [NOTE: Any definition of Net Profits under this (b) must be described in a manner that
                                            precludes Employer discretion and must satisfy the nondiscrimination requirements of
                                            Section 1.401(a)(4) of the regulations and must apply uniformly to all Participants.]
</TABLE>

17.      OPERATING RULES FOR APPLYING THE MATCHING CONTRIBUTION FORMULAS:

         a.       APPLICABLE CONTRIBUTIONS TAKEN INTO ACCOUNT: (See Section
                  2.3(b)(3) of the BPD.) The matching contribution formula(s)
                  elected in #16. above (and any limitations on the amount of a
                  Participant's applicable contributions considered under such
                  formula(s)) are applied separately for each:

                  [X]  (1) Plan Year.               [ ]  (2) Plan Year quarter.

                  [ ]  (3) calendar month.          [ ]  (4) payroll period.

                  [NOTE: If Part 3, #11.b. is checked, the period selected under
                  this a. (to the extent such period refers to the Plan Year)
                  will be determined as if the Plan Year were the period
                  designated under Part 3, #11.b. See Section 2.2(c)(3) of the
                  BPD.]

         b.       SPECIAL RULE FOR PARTIAL PERIOD OF PARTICIPATION. If an
                  Employee is an Eligible Participant for only part of the
                  period designated in a. above, Included Compensation is taken
                  into account for:

                  [X]  (1) the entire period, including the portion of the
                           period during which the Employee is not an Eligible
                           Participant.

                  [ ]  (2) the portion of the period in which the Employee is an
                           Eligible Participant.

                  [ ]  (3) the portion of the period during which the Employee's
                           election to make the applicable contributions is in
                           effect.

[ ] 18.  QUALIFIED MATCHING CONTRIBUTIONS (QMACs): [NOTE: Regardless of any
         elections under this #18, the Employer may make a QMAC to the Plan to
         correct a failed ADP or ACP Test, as authorized under Sections
         17.2(d)(2) and 17.3(d)(2) of the BPD. Any QMAC allocated to correct the
         ADP or ACP Test which is not specifically authorized under this #18
         will be allocated to all Eligible Participants who are Nonhighly
         Compensated Employees as a uniform percentage of Section 401(k)
         Deferrals made during the Plan Year. See Section 2.3(c) of the BPD.]

         [ ] a.  All Employer Matching Contributions are designated as QMACs.

         [ ] b.  Only Employer Matching Contributions described in selection(s)
                 ___ under #16 above are designated as QMACs.

         [ ] c.  In addition to any Employer Matching Contribution provided
                 under #16 above, the Employer may make a discretionary QM AC
                 that is allocated equally as a percentage of Section 401(k)
                 Deferrals made during the Plan Year. The Employer may allocate
                 QMACs only on Section 401(k) Deferrals that do not exceed a
                 specific dollar amount or a percentage of Included Compensation
                 that is uniformly determined by the Employer. QMACs will be
                 allocated to:

                  [ ] (1) Eligible Participants who are Nonhighly Compensated
                          Employees.

                  [ ] (2) all Eligible Participants.

19.      ALLOCATION CONDITIONS. An Eligible Participant must satisfy the
         following allocation conditions for an Employer Matching Contribution:
         [Check a. or b. or any combination of c. - f. Selection e. may not be
         checked if b. or d. is checked. Selection g. and/or h. may be checked
         in addition to b. - f.]

         [ ]  a. NONE.

         [ ]  b. SAFE HARBOR ALLOCATION CONDITION. An Employee must be employed
                 by the Employer on the last day of the Plan Year OR must have
                 more than ____ (not more than 500) Hours of Service for the
                 Plan Year.

         [X]  c. LAST DAY OF EMPLOYMENT CONDITION. An Employee must be employed
                 with the Employer on the last day of the Plan Year.

? 2001 SunTrust Bank
                                       8

<PAGE>

         [X]  d. HOURS OF SERVICE CONDITION. An Employee must be credited with
                 at least 1000 Hours of Service (may not exceed 1,000) during
                 the Plan Year.

         [ ]  e. ELAPSED TIME METHOD. (See Section 2.6(d) of the BPD.)

                 [ ]  (1) SAFE HARBOR ALLOCATION CONDITION. An Employee must be
                          employed by the Employer on the last day of the Plan
                          Year OR must have more than ___ (not more than 91)
                          consecutive days of employment with the Employer
                          during the Plan Year.

                 [ ]  (2) SERVICE CONDITION. An Employee must have more than
                          ___ (not more than 182) consecutive days of employment
                          with the Employer during the Plan Year.

         [ ]  f. DISTRIBUTION RESTRICTION. An Employee must not have taken a
                 distribution of the applicable contributions eligible for an
                 Employer Matching Contribution prior to the end of the period
                 for which the Employer Matching Contribution is being made (as
                 defined in #17.a. above). See Section 2.6(c) of the BPD.

         [ ]  g. APPLICATION TO A SPECIFIED PERIOD. In applying the allocation
                 condition(s) designated under b. through e. above, the
                 allocation condition(s) will be based on the period designated
                 under #17.a. above. In applying an Hours of Service condition
                 under d. above, the following method will be used: [This g.
                 should be checked only if a period other than the Plan Year is
                 selected under #17.a. above. Selection (1) or (2) must be
                 selected only if d. above is also checked.]

                 [ ] (1) FRACTIONAL METHOD (see Section 2.6(e)(2)(i) of the
                         BPD).

                 [ ] (2) PERIOD-BY-PERIOD METHOD (see Section 2.6(e)(2)(ii) of
                         the BPD).

                 [PRACTITIONER NOTE: If this g. is not checked, any allocation
                 condition(s) selected under b. through e. above will apply with
                 respect to the Plan Year, regardless of the period selected
                 under #17.a. above. See Section 2.6(e) of the BPD for
                 procedural rules for applying allocation conditions for a
                 period other than the Plan Year.]

         [X]  h. The above allocation condition(s) will NOT apply if:

                 [X] (1) the Participant dies during the Plan Year.

                 [X] (2) the Participant is Disabled.

                 [X] (3) the Participant, by the end of the Plan Year, has
                         reached:

                         [X] (a) Normal Retirement Age.

                         [ ] (b) Early Retirement Age.

                  PART 4C - EMPLOYER NONELECTIVE CONTRIBUTIONS

                    (See Sections 2.3(d) and (e) of the BPD)

[ ]      CHECK THIS SELECTION AND COMPLETE THIS PART 4C TO ALLOW FOR EMPLOYER
         NONELECTIVE CONTRIBUTIONS. [NOTE: Do not check this selection if the
         only Employer Nonelective Contributions authorized under the Plan are
         Safe Harbor Nonelective Contributions. Instead, complete the applicable
         elections under Part 4E of this Agreement.]

[ ] 20.  EMPLOYER NONELECTIVE CONTRIBUTION (OTHER THAN QNECs):

         [ ] a.  DISCRETIONARY. Discretionary with the Employer.

         [ ] b.  FIXED UNIFORM PERCENTAGE. ___% of each Eligible Participant's
                 Included Compensation.

         [ ] c.  UNIFORM DOLLAR AMOUNT.

                 [  ] (1) A uniform discretionary dollar amount for each
                          Eligible Participant.

                 [  ] (2) $___ for each Eligible Participant.

         [ ] d.  DAVIS-BACON CONTRIBUTION FORMULA. (See Section 2.2(a)(1) of the
                 BPD for rules regarding the application of the Davis-Bacon
                 Contribution Formula.) The Employer will make a contribution
                 for each Eligible Participant's Davis-Bacon Act Service based
                 on the hourly contribution rate for the Participant's
                 employment classification, as designated under Schedule A of
                 this Agreement. The contributions under this formula will be
                 allocated under the Pro Rata Allocation Formula under #21.a.
                 below, but based on the amounts designated in Schedule A as
                 attached to this Agreement. [If this d. is selected, #21.a.
                 below also must be selected.]

? 2001 SunTrust Bank

                                       9

<PAGE>

                 [ ]  (1) The contributions under the Davis-Bacon Contribution
                          Formula will offset the following contributions under
                          the Plan: [Check (a) and/or (b). If this (1) is not
                          checked, contributions under the Davis Bacon
                          Contribution Formula will NOT offset any other
                          Employer Contributions under the Plan.]

                          [ ] (a) Employer Nonelective Contributions

                          [ ] (b) Employer Matching Contributions

                 [ ]  (2) The default provisions under Section 2.2(a)(1) are
                          modified as follows: _________________________________

                          [NOTE: Any modification to the default provisions
                          under (2) must satisfy the nondiscrimination
                          requirements under  Section 1.401(a)(4) of the
                          regulations. Any modification under (2) will not allow
                          the offset of any contributions to any other Plan.]

         [ ]  e. NET PROFITS. Check this e. if the contribution selected above
                 is limited to Net Profits. [If this e. is checked, also select
                 (1) or (2) below.]

                 [ ]  (1) DEFAULT DEFINITION OF NET PROFITS. For purposes of
                          this subsection e., Net Profits is defined in
                          accordance with Section 2.2(a)(2) of the BPD.

                 [ ]  (2) MODIFIED DEFINITION OF NET PROFITS. For purposes of
                          this subsection e., Net Profits is defined as follows:
                          ____________________________

                          [NOTE: Any definition of Net Profits under this (2)
                          must be described in a manner that precludes Employer
                          discretion, must satisfy the nondiscrimination
                          requirements of Section 1.401(a)(4) of the
                          regulations, and must apply uniformly to all
                          Participants.]

[ ] 21.  ALLOCATION FORMULA FOR EMPLOYER NONELECTIVE CONTRIBUTIONS (OTHER THAN
         QNECs): (See Section 2.3(d) of the BPD.)

         [ ]  a. PRO RATA ALLOCATION METHOD. The allocation for each Eligible
                 Participant is a uniform percentage of Included Compensation
                 (or a uniform dollar amount if #20.c. is selected above).

         [ ]  b. PERMITTED DISPARITY METHOD. The allocation for each Eligible
                 Participant is determined under the following formula:
                 [Selection #20.a. above must also be checked.]

                 [ ] (1) Two-Step Formula.

                 [ ] (2) Four-Step Formula.

         [ ]  c. UNIFORM POINTS ALLOCATION. The allocation for each Eligible
                 Participant is determined based on the Eligible Participant's
                 points. Each Eligible Participant's allocation shall bear the
                 same relationship to the Employer Contribution as his/her total
                 points bears to all points awarded. An Eligible Participant
                 will receive: [Check (1) and/or (2). Selection (3) may be
                 checked in addition to (1) and (2). Selection #20.a. above also
                 must be checked.]

                 [ ] (1)  ____ points for each ____ year(s) of age (attained as
                          of the end of the Plan Year).

                 [ ] (2)  ____ points for each ____ Year(s) of Service,
                          determined as  follows: [Check (a) or (b). Selection
                          (c) may be  checked in addition to (a) or (b).]

                          [ ] (a)  In the same manner as determined for
                                   eligibility.

                          [ ] (b)  In the same manner as determined for vesting.

                          [ ] (c)  Points will not be provided with respect to
                                   Years of Service in excess of ____.

                 [ ] (3)  ____ points for each $____ (not to exceed $200) of
                          Included Compensation.

         [ ]  d. ALLOCATION BASED ON SERVICE. The Employer Nonelective
                 Contribution will be allocated to each Eligible Participant as:
                 [Check (1) or (2). Also check (a), (b), and/or (c). Selection
                 (3) may be checked in addition to (1) or (2).]

                 [ ] (1)  a uniform dollar amount  [  ] (2) a uniform percentage
                          of Included Compensation for the following periods of
                          service:

                          [ ] (a)  Each Hour of Service.

                          [ ] (b)  Each week of employment.

                          [ ] (c)  (Describe period) ___________________________

? 2001 SunTrust Bank
                                       10

<PAGE>

                 [ ]  (3) The contribution is subject to the following minimum
                          and/or benefit limitations:

                 [PRACTITIONER NOTE: If #20.b. or #20.c. is checked, the
                 selection in (1) or (2) must conform to the selection made in
                 #20.b. or #20.c. Thus, if #20.b. is checked along with this
                 subsection d., the allocation must be a uniform percentage of
                 Included Compensation under (2). If #20.c. is checked along
                 with this subsection d. the allocation must be a uniform
                 dollar amount under (1).]

         [ ] e.  TOP-HEAVY MINIMUM CONTRIBUTION. In applying the Top-Heavy Plan
                 requirements under Article 16 of the BPD, the top-heavy minimum
                 contribution will be allocated to all Eligible Participants, in
                 accordance with Section 16.2(a) of the BPD. [NOTE: If this e.
                 is not checked, any top-heavy minimum contribution will be
                 allocated only to Non-Key Employees, in accordance with Section
                 16.2(a) of the BPD.]

[ ] 22.  QUALIFIED NONELECTIVE CONTRIBUTION (QNEC). The Employer may make a
         discretionary QNEC that is allocated under the following method. [NOTE:
         Regardless of any elections under this #22, the Employer may make a
         QNEC to the Plan to correct a failed ADP or ACP Test, as authorized
         under Sections 17.2(d)(2) and 17.3(d)(2) of the BPD. Any QNEC allocated
         to correct the ADP or ACP Test which is not specifically authorized
         under this #22 will be allocated as a uniform percentage of Included
         Compensation to all Eligible Participants who are Nonhighly Compensated
         Employees. See Section 2.3(e) of the BPD.]

         [ ] a.  PRO RATA ALLOCATION METHOD. (See Section 2.3(e)(1) of the BPD.)
                 The QNEC will be allocated as a uniform percentage of Included
                 Compensation to:

                 [ ]  (1) all Eligible Participants who are Nonhighly
                          Compensated Employees.

                 [ ]  (2) all Eligible Participants.

         [ ] b.  BOTTOM-UP QNEC METHOD. The QNEC will be allocated to Eligible
                 Participants who are Nonhighly Compensated Employees in reverse
                 order of Included Compensation. (See Section 2.3(e)(2) of the
                 BPD.)

         [ ] c.  APPLICATION OF ALLOCATION CONDITIONS. If this c. is checked,
                 QNECs will be allocated only to Eligible Participants who have
                 satisfied the allocation conditions under #24 below. [If this
                 c. is not checked, QNECs will be allocated without regard to
                 the allocation conditions under #24 below.]

23.      OPERATING RULES FOR DETERMINING AMOUNT OF EMPLOYER NONELECTIVE
         CONTRIBUTIONS.

         a.  SPECIAL RULES REGARDING INCLUDED COMPENSATION.

                 (1) APPLICABLE PERIOD FOR DETERMINING INCLUDED COMPENSATION. In
                     determining the amount of Employer Nonelective
                     Contributions to be allocated to an Eligible Participant
                     under this Part 4C, Included Compensation is determined
                     separately for each: [If #21.b. above is checked, the Plan
                     Year must be selected under
                     (a) below.]

                     [ ] (a) Plan Year.          [ ] (b) Plan Year quarter.

                     [ ] (c) calendar month.     [ ] (d) payroll period.

                     [NOTE: If Part 3, #11.b. is checked, the period selected
                     under this (1) (to the extent such period refers to the
                     Plan Year) will be determined as if the Plan Year were the
                     period designated under Part 3, #11.b. See Section
                     2.2(c)(3) of the BPD.]

         [ ]     (2) SPECIAL RULE FOR PARTIAL PERIOD OF PARTICIPATION. If an
                     Employee is an Eligible Participant for only part of the
                     period designated under (1) above, Included Compensation is
                     taken into account for the entire period, including the
                     portion of the period during which the Employee is not an
                     Eligible Participant. [If this selection (2) is not
                     checked, Included Compensation is taken into account only
                     for the portion of the period during which the Employee is
                     an Eligible Participant.]

         [ ] b.  SPECIAL RULES FOR APPLYING THE PERMITTED DISPARITY METHOD.
                 [Complete this b. only if #21.b. above is also checked.]

                 [ ] (1)  APPLICATION OF FOUR-STEP FORMULA FOR TOP-HEAVY PLANS.
                          If this (1) is checked, the Four-Step Formula applies
                          instead of the Two-Step Formula for any Plan Year in
                          which the Plan is a Top Heavy Plan. [This (1) may only
                          be checked if #21.b.(1) above is also checked.]

                 [ ] (2)  EXCESS COMPENSATION UNDER THE PERMITTED DISPARITY
                          METHOD is the amount of Included Compensation that
                          exceeds: [If this selection (2) is not checked, Excess
                          Compensation under the Permitted Disparity Method is
                          the amount of Included Compensation that exceeds the
                          Taxable Wage Base.]

                          [ ] (a) ____% (may not exceed 100%) of the Taxable
                                         Wage Base.

                                  [ ]  1. The amount determined under (a) is
                                          not rounded.

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<PAGE>

                                   [  ] 2. The amount determined under (a) is
                                           rounded (but not above the Taxable
                                           Wage Base) to the next higher:

                                           [  ] a. $1.

                                           [  ] b. $100.

                                           [  ] c. $1,000.

                          [  ] (b) _____________________________(may not exceed
                                   the Taxable Wage Base).

                          [NOTE: The maximum integration percentage of 5.7%
                          must be reduced to (i) 5.4% if Excess Compensation is
                          based on an amount that is GREATER than 80% but less
                          than 100% of the Taxable Wage Base or (ii) 4.3% if
                          Excess Compensation is based on an amount that is
                          greater than 20% but less than or equal to 80% of the
                          Taxable Wage Base. See Section 2.2(b)(2) of the BPD.]

24.      ALLOCATION CONDITIONS. An Eligible Participant must satisfy the
         following allocation conditions for an Employer Nonelective
         Contribution: [Check a. or b. or any combination of c. - e. Selection
         e. may not be checked if b. or d. is checked. Selection f. and/or g.
         may be checked in addition to b. - e.]

         [  ] a. NONE.

         [  ] b. SAFE HARBOR ALLOCATION CONDITION. An Employee must be employed
                 by the Employer on the last day of the Plan Year OR must have
                 more than ____ (not more than 500) Hours of Service for the
                 Plan Year.

         [  ] c. LAST DAY OF EMPLOYMENT CONDITION. An Employee must be employed
                 with the Employer on the last day of the Plan Year.

         [  ] d. HOURS OF SERVICE CONDITION. An Employee must be credited with
                 at least ___  Hours of Service (may not exceed 1,000) during
                 the Plan Year.

         [  ] e. ELAPSED TIME METHOD. (See Section 2.6(d) of the BPD.)

                 [  ] (1) SAFE HARBOR ALLOCATION CONDITION. An Employee must be
                          employed by the Employer on the last day of the Plan
                          Year OR must have more than ___ (not more than 91)
                          consecutive days of employment with the Employer
                          during the Plan Year.

                 [  ] (2) SERVICE CONDITION. An Employee must have more than
                          ___ (not more than 182) consecutive days of employment
                          with the Employer during the Plan Year.

         [  ] f. APPLICATION TO A SPECIFIED PERIOD. In applying the allocation
                 condition(s) designated under b. through e. above, the
                 allocation condition(s) will be based on the period designated
                 under #23.a.(1) above. In applying an Hours of Service
                 condition under d. above, the following method will be used:
                 [This f. should be checked only if a period other than the Plan
                 Year is selected under #23.a.(1) above. Selection (1) or (2)
                 must be selected only if d. above is also checked.]

                 [  ] (1) FRACTIONAL METHOD (see Section 2.6(e)(2)(i) of the
                          BPD).

                 [  ] (2) PERIOD-BY-PERIOD METHOD (see Section 2.6(e)(2)(ii) of
                          the BPD).

                 [PRACTITIONER NOTE: If this f. is not checked, any allocation
                 condition(s) selected under b. through e. above will apply with
                 respect to the Plan Year, regardless of the period selected
                 under #23.a.(1) above. See Section 2.6(e) of the BPD for
                 procedural rules for applying allocation conditions for a
                 period other than the Plan Year.]

         [  ] g. The above allocation condition(s) will NOT apply if:

                 [  ] (1) the Participant dies during the Plan Year.

                 [  ] (2) the Participant is Disabled.

                 [  ] (3) the Participant, by the end of the Plan Year, has
                          reached:

                          [  ] (a) Normal Retirement Age.

                          [  ] (b) Early Retirement Age.

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<PAGE>

                   PART 4D - EMPLOYEE AFTER-TAX CONTRIBUTIONS

                          (See Section 3.1 of the BPD)

[  ]     CHECK THIS SELECTION TO ALLOW FOR EMPLOYEE AFTER-TAX CONTRIBUTIONS. If
         Employee After-Tax Contributions will not be permitted under the Plan,
         do not check this selection and skip the remainder of this Part 4D.
         [NOTE: The eligibility conditions for making Employee After-Tax
         Contributions are listed in Part 1 of this Agreement under
         "Section 401(k) Deferrals."]

[ ] 25.  MAXIMUM. ___% of Included Compensation for:

         [  ] a. the entire Plan Year.

         [  ] b. the portion of the Plan Year during which the Employee is an
                 Eligible Participant.

         [  ] c. each separate payroll period during which the Employee is an
                 Eligible Participant.

         [NOTE: If this #25 is not checked, the only limit on Employee After-Tax
         Contributions is the Annual Additions Limitation under Article 7 of the
         BPD. If Part 3, #11.b. is checked, any period selected under this #25
         will be determined as if the Plan Year were the period designated under
         Part 3, #11.b. See Section 2.2(c)(3) of the BPD.]

[ ] 26.  MINIMUM. For any payroll period, no less than:

         [  ] a. ___% of Included Compensation.

         [  ] b. $___.

                   PART 4E - SAFE HARBOR 401(k) PLAN ELECTION

                          (See Section 17.6 of the BPD)

[  ]     CHECK THIS SELECTION AND COMPLETE THIS PART 4E IF THE PLAN IS DESIGNED
         TO BE A SAFE HARBOR 401(k) PLAN.

[  ]27.  SAFE HARBOR MATCHING CONTRIBUTION: The Employer will make an Employer
         Matching Contribution with respect to an Eligible Participant's Section
         401(k) Deferrals and/or Employee After-Tax Contributions ("applicable
         contributions") under the following formula: [Complete selection a. or
         b. In addition, complete selection c. Selection d. may be checked in
         addition to a. or b. and c.]

         [  ] a. BASIC FORMULA: 100% of applicable contributions up to the first
                 3% of Included Compensation, plus 50% of applicable
                 contributions up to the next 2% of Included Compensation.

         [  ] b. ENHANCED FORMULA:

                 [  ] (1) ___% (not less than 100%) of applicable contributions
                          up to ___% of Included Compensation (not less than 4%
                          and not more than 6%).

                 [  ] (2) The sum of: [THE CONTRIBUTIONS UNDER THIS (2) MUST NOT
                          BE LESS THAN THE CONTRIBUTIONS THAT WOULD BE
                          CALCULATED UNDER a. AT EACH LEVEL OF APPLICABLE
                          CONTRIBUTIONS.]

                          [  ] (a) ___% of applicable contributions up to the
                                   first (b) ___% of Included Compensation, plus

                          [  ] (c) ___% of applicable contributions up to the
                                   next (d) ___% of Included Compensation.

                          [NOTE: The percentage in (c) may not be greater than
                          the percentage in (a). In addition, the sum of the
                          percentages in (b) and (d) may not exceed 6%.]

              c. APPLICABLE CONTRIBUTIONS TAKEN INTO ACCOUNT: (See Section 17.6
                 (a)(1)(i) of the BPD.) The Safe Harbor Matching Contribution
                 formula elected in a. or b. above (and any limitations on the
                 amount of a Participant's applicable contributions considered
                 under such formula(s)) are applied separately for each:

                 [  ] (1) Plan Year.        [  ] (2) Plan Year quarter.

                 [  ] (3) calendar month.   [  ] (4) payroll period.

                 [NOTE: If Part 3, #11.b. is checked, any period selected under
                 this #25 will be determined as if the Plan Year were the period
                 designated under Part 3, #11.b. See Section 2.2(c)(3) of the
                 BPD.]

         [  ] d. DEFINITION OF APPLICABLE CONTRIBUTIONS. Check this d. if the
                 Plan permits Employee After-Tax Contributions but the Safe
                 Harbor Matching Contribution formula selected under a. or b.
                 above does not apply to such Employee After-Tax Contributions.

[ ] 28.  SAFE HARBOR NONELECTIVE CONTRIBUTION: ___% (no less than 3%) of
         Included Compensation.

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<PAGE>

         [  ] a. Check this selection if the Employer will make this Safe Harbor
                 Nonelective Contribution pursuant to a supplemental notice as
                 described in Section 17.6(a)(1)(ii) of the BPD. If this a. is
                 checked, the Safe Harbor Nonelective Contribution will be
                 required only for a Plan Year for which the appropriate
                 supplemental notice is provided. For any Plan Year in which the
                 supplemental notice is not provided, the Plan is not a Safe
                 Harbor 401(k) Plan.

         [  ] b. Check this selection to provide the Employer with the
                 discretion to increase the above percentage to a higher
                 percentage.

         [  ] c. Check this selection if the Safe Harbor Nonelective
                 Contribution will be made under another plan maintained by
                 the Employer and identify the plan:
                 _______________________________________________________________

         [  ] d. Check this d. if the Safe Harbor Nonelective Contribution
                 offsets the allocation that would otherwise be made to the
                 Participant under Part 4C, #21 above. If the Permitted
                 Disparity Method is elected under Part 4C, #21.b., this offset
                 applies only to the second step of the Two-Step Formula or the
                 fourth step of the Four-Step Formula, as applicable.

[  ]29.  SPECIAL RULE FOR PARTIAL PERIOD OF PARTICIPATION. If an Employee is an
         Eligible Participant for only part of a Plan Year, Included
         Compensation is taken into account for the entire Plan Year, including
         the portion of the Plan Year during which the Employee is not an
         Eligible Participant. [If this #29 is not checked, Included
         Compensation is taken into account only for the portion of the Plan
         Year in which the Employee is an Eligible Participant.]

30.      ELIGIBLE PARTICIPANT. For purposes of the Safe Harbor Contributions
         elected above, "Eligible Participant" means: [Check a., b. or c.
         Selection d. may be checked in addition to a., b. or c.]

         [  ] a. All Eligible Participants (as determined for Section 401(k)
                 Deferrals).

         [  ] b. All Nonhighly Compensated Employees who are Eligible
                 Participants (as determined for Section 401(k) Deferrals).

         [  ] c. All Nonhighly Compensated Employees who are Eligible
                 Participants (as determined for Section 401(k) Deferrals) and
                 all Highly Compensated Employees who are Eligible Participants
                 (as determined for Section 401(k) Deferrals) but who are not
                 Key Employees.

         [  ] d. Check this d. if the selection under a., b. or c., as
                 applicable, applies only to Employees who would be Eligible
                 Participants for any portion of the Plan Year if the
                 eligibility conditions selected for Section 401(k) Deferrals in
                 Part 1, #5 of this Agreement were one Year of Service and age
                 21. (See Section 17.6(a)(1) of the BPD.)

                     PART 4F - SPECIAL 401(k) PLAN ELECTIONS

                           (See Article 17 of the BPD)

31.      ADP/ACP TESTING METHOD. In performing the ADP and ACP tests, the
         Employer will use the following method: (See Sections 17.2 and 17.3 of
         the BPD for an explanation of the ADP/ACP testing methods.)

         [ ]  a. Prior Year Testing Method.

         [X]  b. Current Year Testing Method.

         [PRACTITIONER NOTE: If this Plan is intended to be a Safe-Harbor 401(k)
         Plan under Part 4E above, the Current Year Testing Method MUST be
         elected under b. See Section 17.6 of the BPD.]

[  ]32.  FIRST PLAN YEAR FOR SECTION 401(k) DEFERRALS. (See Section 17.2(b) of
         the BPD.) Check this selection if this Agreement covers the first Plan
         Year that the Plan permits Section 401(k) Deferrals. The ADP for the
         Nonhighly Compensated Employ ee Group for such first Plan Year is
         determined under the following method:

         [  ] a. the Prior Year Testing Method, assuming a 3% deferral
                 percentage for the Nonhighly Compensated Employee Group.

         [  ] b. the Current Year Testing Method using the actual deferral
                 percentages of the Nonhighly Compensated Employee Group.

[  ]33.  FIRST PLAN YEAR FOR EMPLOYER MATCHING CONTRIBUTIONS OR EMPLOYEE
         AFTER-TAX CONTRIBUTIONS. (See Section 17.3(b) of the BPD.) Check this
         selection if this Agreement covers the first Plan Year that the Plan
         includes either an Employer Matching Contribution formula or permits
         Employee After-Tax Contributions. The ACP for the Nonhighly Compensated
         Employee Group for such first Plan Year is determined under the
         following method:

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<PAGE>

         [ ] a.   the Prior Year Testing Method, assuming a 3% contribution
                  percentage for the Nonhighly Compensated Employee Group.

         [ ] b.   the Current Year Testing Method using the actual contribution
                  percentages of the Nonhighly Compensated Employee Group.

                            PART 5 - RETIREMENT AGES

                   (See Sections 22.57 and 22.126 of the BPD)

34.      NORMAL RETIREMENT AGE:

         [X] a.   Age 65 (not to exceed 65).

         [ ] b.   The later of (1) age ____ (not to exceed 65) or (2) the _____
                  (not to exceed 5th) anniversary of the date the Employee
                  commenced participation in the Plan.

         [ ] c.   __________(may not be later than the maximum age permitted
                  under b.)

35.      EARLY RETIREMENT AGE: [Check a. or check b. and/or c.]

         [X] a.   Not applicable.

         [ ] b.   Age _____.

         [ ] c.   Completion of _______ Years of Service, determined as follows:

                  [ ] (1)  Same as for eligibility.

                  [ ] (2)  Same as for vesting.

                             PART 6 - VESTING RULES

                           (See Article 4 of the BPD)

*        COMPLETE THIS PART 6 ONLY IF THE EMPLOYER HAS ELECTED TO MAKE EMPLOYER
         MATCHING CONTRIBUTIONS UNDER PART 4B OR EMPLOYER NONELECTIVE
         CONTRIBUTIONS UNDER PART 4C. SECTION 401(k) DEFERRALS, EMPLOYEE
         AFTER-TAX CONTRIBUTIONS, QMACS, QNECS, SAFE HARBOR CONTRIBUTIONS, AND
         ROLLOVER CONTRIBUTIONS ARE ALWAYS 100% VESTED. (SEE SECTION 4.2 OF THE
         BPD FOR THE DEFINITIONS OF THE VARIOUS VESTING SCHEDULES.)

36.      NORMAL VESTING SCHEDULE: [Check one of a. - f. for those contributions
         the Employer elects to make under Part 4 of this Agreement.]

               (1)          (2)
            EMPLOYER     EMPLOYER
             MATCH     NONELECTIVE

         a.   [ ]         [ ]     Full and immediate vesting.

         b.   [ ]         [ ]     7-year graded vesting schedule.

         c.   [ ]         [ ]     6-year graded vesting schedule.

         d.   [ ]         [ ]     5-year cliff vesting schedule.

         e.   [ ]         [ ]     3-year cliff vesting schedule.

         f.   [X]         [ ]     Modified vesting schedule:

                                  (1) 20% % after 1 Year of Service
                                  (2) 40% % after 2 Years of Service
                                  (3) 60% % after 3 Years of Service
                                  (4) 80% % after 4 Years of Service
                                  (5) 100% % after 5 Years of Service
                                  (6) ____ % after 6 Years of Service, and
                                  (7) 100% after 7 Years of Service.

                                  [NOTE: The percentages selected under the
                                  modified vesting schedule must not be less
                                  than the percentages that would be required
                                  under the 7-year graded vesting schedule,
                                  unless 100% vesting occurs after no more than
                                  5 Years of Service.]

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37.      VESTING SCHEDULE WHEN PLAN IS TOP-HEAVY: [Check one of a. - d. for
         those contributions the Employer elects to make under Part 4 of this
         Agreement.]

               (1)          (2)
            EMPLOYER     EMPLOYER
             MATCH     NONELECTIVE

         a.   [ ]         [ ]     Full and immediate vesting.

         b.   [ ]         [ ]     6-year graded vesting schedule.

         c.   [ ]         [ ]     3-year cliff vesting schedule.

         d.   [X]         [ ]     Modified vesting schedule:

                                  (1) 20% % after 1 Year of Service
                                  (2) 40% % after 2 Years of Service
                                  (3) 60% % after 3 Years of Service
                                  (4) 80% % after 4 Years of Service
                                  (5) 100% % after 5 Years of Service, and
                                  (6) 100% after 6 Years of Service.

                                  [NOTE: The percentages selected under the
                                  modified vesting schedule must not be less
                                  than the percentages that would be required
                                  under the 6-year graded vesting schedule,
                                  unless 100% vesting occurs after no more than
                                  3 Years of Service.]

[ ] 38. SERVICE EXCLUDED UNDER THE ABOVE VESTING SCHEDULE(S):

         [ ] a.   Service before the original Effective Date of this Plan.
                  (See Section 4.5(b)(1) of the BPD for rules that require
                  service under a Predecessor Plan to be counted.)

         [ ] b.   Years of Service completed before the Employee's ____ birthday
                  (cannot exceed the 18th birthday).

[X] 39.  SPECIAL 100% VESTING. An Employee's vesting percentage increases to
         100% if, while employed with the Employer, the Employee:

         [X] a.   dies.

         [X] b.   becomes Disabled (as defined in Section 22.53 of the BPD).

         [ ] c.   reaches Early Retirement Age (as defined in Part 5, #35
                  above).

[ ] 40. SPECIAL VESTING PROVISIONS: ___________________________________________

         [NOTE: Any special vesting provision designated in #40 must satisfy the
         requirements of Code Section 411(a) and must satisfy the
         nondiscrimination requirements under Section 1.401(a)(4) of the
         regulations.]

                    PART 7 - SPECIAL SERVICE CREDITING RULES

                           (See Article 6 of the BPD)

IF NO MINIMUM SERVICE REQUIREMENT APPLIES UNDER PART 1, #5 OF THIS AGREEMENT AND
ALL CONTRIBUTIONS ARE 100% VESTED UNDER PART 6, SKIP THIS PART 7.

*        YEAR OF SERVICE - ELIGIBILITY. 1,000 Hours of Service during an
         Eligibility Computation Period. Hours of Service are calculated using
         the Actual Hours Crediting Method. [To modify, complete #41 below.]

*        ELIGIBILITY COMPUTATION PERIOD. If one Year of Service is required for
         eligibility, the Shift-to-Plan-Year Method is used. If two Years of
         Service are required for eligibility, the Anniversary Year Method is
         used. [To modify, complete #42 below.]

*        YEAR OF SERVICE - VESTING. 1,000 Hours of Service during a Vesting
         Computation Period. Hours of Service are calculated using the Actual
         Hours Crediting Method. [To modify, complete #43 below.]

*        VESTING COMPUTATION PERIOD. The Plan Year. [To modify, complete #44
         below.]

*        BREAK IN SERVICE RULES. The Rule of Parity Break in Service rule
         applies for both eligibility and vesting but the one-year holdout Break
         in Service rule is NOT used for eligibility or vesting. [To modify,
         complete #45 below.]

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[  ] 41. ALTERNATIVE DEFINITION OF YEAR OF SERVICE FOR ELIGIBILITY.

         [  ] a.  A Year of Service is ___ Hours of Service (may not exceed
                  1,000) during an Eligibility Computation Period.

         [  ] b.  Use the Equivalency Method (as defined in Section 6.5(a) of
                  the BPD) to count Hours of Service. If this b. is checked,
                  each Employee will be credited with 190 Hours of Service for
                  each calendar month for which the Employee completes at least
                  one Hour of Service, unless a different Equivalency Method is
                  selected under #46 below. The Equivalency Method applies to:

                  [  ] (1) All Employees.

                  [  ] (2) Employees who are not paid on an hourly basis.
                           For hourly Employees, the Actual Hours Method will be
                           used.

         [  ] c.  Use the Elapsed Time Method instead of counting Hours of
                  Service. (See Section 6.5(b) of the BPD.)

[  ] 42. ALTERNATIVE METHOD FOR DETERMINING ELIGIBILITY COMPUTATION PERIODS.
         (See Section 1.4(c) of the BPD.)

         [  ] a.  ONE YEAR OF SERVICE ELIGIBILITY. Eligibility Computation
                  Periods are determined using the Anniversary Year Method
                  instead of the Shift-to-Plan-Year Method.

         [  ] b.  TWO YEARS OF SERVICE ELIGIBILITY. Eligibility Computation
                  Periods are determined using the Shift-to-Plan-Year Method
                  instead of the Anniversary Year Method.

[  ] 43. ALTERNATIVE DEFINITION OF YEAR OF SERVICE FOR VESTING.

         [  ] a.  A Year of Service is ______ Hours of Service (may not exceed
                  1,000) during a Vesting Computation Period.

         [  ] b.  Use the Equivalency Method (as defined in Section 6.5(a) of
                  the BPD) to count Hours of Service. If this b. is checked,
                  each Employee will be credited with 190 Hours of Service for
                  each calendar month for which the Employee completes at least
                  one Hour of Service, unless a different Equivalency Method is
                  selected under #46 below. The Equivalency Method applies to:

                  [  ] (1) All Employees.

                  [  ] (2) Employees who are not paid on an hourly basis. For
                           hourly Employees, the Actual Hours Method will be
                           used.

         [  ] c.  Use the Elapsed Time Method instead of counting Hours of
                  Service. (See Section 6.5(b) of the BPD.)

[  ] 44. ALTERNATIVE METHOD FOR DETERMINING VESTING COMPUTATION PERIODS.
         Instead of Plan Years, use:

         [  ] a.  Anniversary Years. (See Section 4.4 of the BPD.)

         [  ] b.  (Describe Vesting Computation Period): _______________________

                  [PRACTITIONER NOTE: Any Vesting Computation Period described
                  in b. must be a 12-consecutive month period and must apply
                  uniformly to all Participants.]

[  ] 45. BREAK IN SERVICE RULES.

         [  ] a.  The RULE OF PARITY BREAK IN SERVICE RULE does not apply for
                  purposes of determining eligibility or vesting under the Plan.
                  [If this selection a. is not checked, the Rule of Parity Break
                  in Service Rule applies for purposes of eligibility and
                  vesting. (See Sections 1.6 and 4.6 of the BPD.)]

         [  ] b.  ONE-YEAR HOLDOUT BREAK IN SERVICE RULE.

                  [  ] (1) Applies to determine eligibility for: [Check one or
                           both.]

                           [  ] (a) Employer Contributions (other than Section
                                    401(k) Deferrals).

                           [  ] (b) Section 401(k) Deferrals. (See Section
                                    1.6(c) of the BPD.)

                  [  ] (2) Applies to determine vesting. (See Section 4.6(a) of
                           the BPD.)

[  ] 46. SPECIAL RULES FOR APPLYING EQUIVALENCY METHOD. [This #46 may only be
         checked if #41.b. and/or #43.b. is checked above.]

         [  ] a.  ALTERNATIVE METHOD. Instead of applying the Equivalency
                  Method on the basis of months worked, the following method
                  will apply. (See Section 6.5(a) of the BPD.)

                  [  ] (1) DAILY METHOD. Each Employee will be credited with 10
                           Hours of Service for each day worked.

                  [  ] (2) WEEKLY METHOD. Each Employee will be credited with 45
                           Hours of Service for each week worked.

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<PAGE>

                  [ ] (3)  SEMI -MONTHLY METHOD. Each Employee will be credited
                           with 95 Hours of Service for each semi-monthly
                           payroll period worked.

         [ ] b.   APPLICATION OF SPECIAL RULES. The alternative method elected
                  in a. applies for purposes of: [Check (1) and/or (2).]

                  [ ] (1)  Eligibility. [Check this (1) only if #41.b. is
                           checked above.]

                  [ ] (2)  Vesting. [Check this (2) only if #43.b. is checked
                           above.]

                       PART 8 - ALLOCATION OF FORFEITURES

                           (See Article 5 of the BPD)

[ ]      CHECK THIS SELECTION IF ALL CONTRIBUTIONS UNDER THE PLAN ARE 100%
         VESTED AND SKIP THIS PART 8. (SEE SECTION 5.5 OF THE BPD FOR THE
         DEFAULT FORFEITURE RULES IF NO FORFEITURE ALLOCATION METHOD IS SELECTED
         UNDER THIS PART 8.)

47.      TIMING OF FORFEITURE ALLOCATIONS:

               (1)          (2)
            EMPLOYER     EMPLOYER
             MATCH     NONELECTIVE

         a.   [X]         [ ]     In the same Plan Year in which the forfeitures
                                  occur.

         b.   [ ]         [ ]     In the Plan Year following the Plan Year in
                                  which the forfeitures occur.

48.      METHOD OF ALLOCATING FORFEITURES: (See the operating rules in Section
         5.5 of the BPD.)

               (1)          (2)
            EMPLOYER     EMPLOYER
             MATCH     NONELECTIVE

         a.   [ ]         [ ]     Reallocate as additional Employer Nonelective
                                  Contributions using the allocation method
                                  specified in Part 4C, #21 of this Agreement.
                                  If no allocation method is specified, use the
                                  Pro Rata Allocation Method under Part 4C,
                                  #21.a. of this Agreement.

         b.   [ ]         [ ]     Reallocate as additional Employer Matching
                                  Contributions using the discretionary
                                  allocation method in Part 4B, #16.b. of this
                                  Agreement.

         c.   [X]         [ ]     Reduce the: [Check one or both.]

                                  [X] (a) Employer Matching Contributions

                                  [ ] (b) Employer Nonelective Contributions

                                  the Employer would otherwise make for the Plan
                                  Year in which the forfeitures are allocated.
                                  [NOTE: If both (a) and (b) are checked, the
                                  Employer may adjust its contribution deposits
                                  in any manner, provided the total Employer
                                  Matching Contributions and Employer
                                  Nonelective Contributions (as applicable)
                                  properly take into account the forfeitures
                                  used to reduce such contributions for that
                                  Plan Year.]

[X] 49.  PAYMENT OF PLAN EXPENSES. Forfeitures are first used to pay Plan
         expenses for the Plan Year in which the forfeitures are to be
         allocated. (See Section 5.5(c) of the BPD.) Any remaining forfeitures
         are allocated as provided in #48 above.

[X] 50.  MODIFICATION OF CASH-OUT RULES. The Cash-Out Distribution rules are
         modified in accordance with Sections 5.3(a)(1)(i)(C) and
         5.3(a)(1)(ii)(C) of the BPD to allow for an immediate forfeiture,
         regardless of any additional allocations during the Plan Year.

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<PAGE>

             PART 9 - DISTRIBUTIONS AFTER TERMINATION OF EMPLOYMENT

                          (See Section 8.3 of the BPD)

*        THE ELECTIONS IN THIS PART 9 ARE SUBJECT TO THE OPERATING RULES IN
         ARTICLES 8 AND 9 OF THE BPD.

51.      VESTED ACCOUNT BALANCES IN EXCESS OF $5,000. Distribution is first
         available as soon as administratively feasible following:

         [X] a.   the Participant's employment termination date.

         [ ] b.   the end of the Plan Year that contains the Participant's
                  employment termination date.

         [ ] c.   the first Valuation Date following the Participant's
                  termination of employment.

         [ ] d.   the Participant's Normal Retirement Age (or Early Retirement
                  Age, if applicable) or, if later, the Participant's employment
                  termination date.

         [ ] e.   (Describe distribution event) _______________________________

                  [PRACTITIONER NOTE: Any distribution event described in e.
                  will apply uniformly to all Participants under the Plan.]

52.      VESTED ACCOUNT BALANCES OF $5,000 OR LESS. Distribution will be made in
         a LUMP SUM as soon as administratively feasible following:

         [X] a.   the Participant's employment termination date.

         [ ] b.   the end of the Plan Year that contains the Participant's
                  employment termination date.

         [ ] c.   the first Valuation Date following the Participant's
                  termination of employment.

         [ ] d.   (Describe distribution event): _______________________________

                  [PRACTITIONER NOTE: Any distribution event described in d.
                  will apply uniformly to all Participants under the Plan.]

[X] 53.  DISABLED PARTICIPANT. A Disabled Participant (as defined in Section
         22.53 of the BPD) may request a distribution (if earlier than otherwise
         permitted under #51 or #52 (as applicable)) as soon as administratively
         feasible following:

         [X] a.   the date the Participant becomes Disabled.

         [ ] b.   the end of the Plan Year in which the Participant becomes
                  Disabled.

         [ ] c.   (Describe distribution event): _______________________________

                  [PRACTITIONER NOTE: Any distribution event described in c.
                  will apply uniformly to all Participants under the Plan.]

[ ] 54.  HARDSHIP WITHDRAWALS FOLLOWING TERMINATION OF EMPLOYMENT. A terminated
         Participant may request a Hardship withdrawal (as defined in Section
         8.6 of the BPD) before the date selected in #51 or #52 above, as
         applicable.

[ ] 55.  SPECIAL OPERATING RULES.

         [ ] a.   MODIFICATION OF PARTICIPANT'S CONSENT REQUIREMENT. A
                  Participant must consent to a distribution from the Plan, even
                  if the Participant's vested Account Balance does not exceed
                  $5,000. See Section 8.3(b) of the BPD. [NOTE: If this a. is
                  not checked, the involuntary distribution rules under Section
                  8.3(b) of the BPD apply.]

         [ ] b.   DISTRIBUTION UPON ATTAINMENT OF NORMAL RETIREMENT AGE (OR AGE
                  62, IF LATER). A distribution from the Plan will be made
                  without a Participant's consent if such Participant has
                  terminated employment and has attained Normal Retirement Age
                  (or age 62, if later). See Section 8.7 of the BPD.

? 2001 SunTrust Bank

                                       19

<PAGE>

                       PART 10 - IN-SERVICE DISTRIBUTIONS

                          (See Section 8.5 of the BPD)

*        THE ELECTIONS IN THIS PART 10 ARE SUBJECT TO THE OPERATING RULES IN
         ARTICLES 8 AND 9 OF THE BPD.

56.      PERMITTED IN-SERVICE DISTRIBUTION EVENTS: [Elections under the
         Section 401(k) Deferrals column also apply to any QNECs, QMACs, and
         Safe Harbor Contributions unless otherwise specified in 57d. below.]

                   (1)            (2)         (3)
             SECTION 401(k)    EMPLOYER     EMPLOYER
                DEFERRALS        MATCH    NONELECTIVE

         a.       [X]            [X]          [ ]      In-service distributions
                                                       are not available.

         b.       [ ]            [ ]          [ ]      After age ______ . [If
                                                       earlier than age 59 1/2
                                                       age is deemed to be age
                                                       59 1/2 for Section 401(k)
                                                       Deferrals if the
                                                       selection is checked
                                                       under that column.]

         c.       [ ]            [ ]          [ ]      A safe harbor Hardship
                                                       described in Section
                                                       8.6(a) of the BPD. [Note:
                                                       Not applicable to QNECs,
                                                       QMACs and Safe Harbor
                                                       Contributions.]

         d.        N/A           [ ]          [ ]      A Hardship described in
                                                       Section 8.6(b) of the
                                                       BPD.

         e.        N/A           [ ]          [ ]      After the Participant has
                                                       participated in the Plan
                                                       for at least ______ years
                                                       (cannot be less than 5
                                                       years).

         f.        N/A           [ ]          [ ]      At any time with respect
                                                       to the portion of the
                                                       vested Account Balance
                                                       derived from
                                                       contributions accumulated
                                                       in the Plan for at least
                                                       2 years.

         g.       [ ]            [ ]          [ ]      Upon a Participant
                                                       becoming Disabled (as
                                                       defined in Section
                                                       22.53).

         h.       [ ]            [ ]          [ ]      Attainment of Normal
                                                       Retirement Age. [If
                                                       earlier than age 59 1/2,
                                                       age is deemed to be 59
                                                       1/2 for Section 401(k)
                                                       Deferrals if the
                                                       selection is checked
                                                       under that column.]

         i.        N/A           [ ]          [ ]      Attainment of Early
                                                       Retirement Age.

57.      LIMITATIONS THAT APPLY TO IN-SERVICE DISTRIBUTIONS:

         [ ] a.   Available only if the Account which is subject to withdrawal
         is 100% vested. (See Section 4.8 of the BPD for special vesting rules
         if NOT checked.)

         [ ] b.   No more than _____ in-service distribution(s) in a Plan Year.

         [ ] c.   The minimum amount of any in-service distribution will be $ __
         (may not exceed $1,000).

         [ ] d.   (Describe limitations on in-service distributions) ___________

         [PRACTITIONER NOTE: Any limitations described in d. will apply
                 uniformly to all Participants under the Plan.]

? 2001 SunTrust Bank

                                       20

<PAGE>

                         PART 11 - DISTRIBUTION OPTIONS

                          (See Section 8.1 of the BPD)

58.      OPTIONAL FORMS OF PAYMENT AVAILABLE UPON TERMINATION OF EMPLOYMENT:

         [X] a.   Lump sum distribution of entire vested Account Balance.

         [X] b.   Single sum distribution of a portion of vested Account
                  Balance.

         [ ] c.   Installments for a specified term.

         [ ] d.   Installments for required minimum distributions only.

         [ ] e.   Annuity payments (see Section 8.1 of the BPD).

         [ ] f.   (Describe optional forms or limitations on available forms)
                  ____________________

                  [PRACTITIONER NOTE: Unless specified otherwise in f., a
                  Participant may receive a distribution in any combination of
                  the forms of payment selected in a. - f. Any optional forms or
                  limitations described in f. will apply uniformly to all
                  Participants under the Plan.]

59.      APPLICATION OF THE QUALIFIED JOINT AND SURVIVOR ANNUITY (QJSA) AND
         QUALIFIED PRERETIREMENT SURVIVOR ANNUITY (QPSA) PROVISIONS: (See
         Article 9 of the BPD.)

         [X] a.   DO NOT APPLY. [NOTE: The QJSA and QPSA provisions
                  automatically apply to any assets of the Plan that were
                  received as a transfer from another plan that was subject to
                  the QJSA and QPSA rules. If this a. is checked, the QJSA and
                  QPSA rules generally will apply only with respect to
                  transferred assets or if distribution is made in the form of
                  life annuity. See Section 9.1(b) of the BPD.]

         [ ] b.   APPLY, with the following modifications: [Check this b. to
                  have all assets under the Plan be subject to the QJSA and QPSA
                  requirements. See Section 9.1(a) of the BPD.]

                  [ ] (1)  NO MODIFICATIONS.

                  [ ] (2)  MODIFIED QJSA BENEFIT. Instead of a 50% survivor
                           benefit, the normal form of the QJSA provides the
                           following survivor benefit to the spouse:

                           [ ] (a) 100%.

                           [ ] (b) 75%.

                           [ ] (c) 66 2/3%.

                  [ ] (3)  MODIFIED QPSA BENEFIT. Instead of a 50% QPSA benefit,
                           the QPSA benefit is 100% of the Participant's vested
                           Account Balance.

         [ ] c.   ONE-YEAR MARRIAGE RULE. The one-year marriage rule under
                  Sections 8.4(c)(4) and 9.3 of the BPD applies. Under this
                  rule, a Participant's spouse will not be treated as a
                  surviving spouse unless the Participant and spouse were
                  married for at least one year at the time of the Participant's
                  death.

                       PART 12 - ADMINISTRATIVE ELECTIONS

*        Use this Part 12 to identify administrative elections authorized by the
         BPD. These elections may be changed without reexecuting this Agreement
         by substituting a replacement of this page with new elections. To the
         extent this Part 12 is not completed, the default provisions in the BPD
         apply.

60.      Are PARTICIPANT LOANS permitted? (See Article 14 of the BPD.)

         [ ] a.   No

         [X] b.   Yes

                  [ ] (1)  Use the default loan procedures under Article 14 of
                           the BPD.

                  [X] (2)  Use a separate written loan policy to modify the
                           default loan procedures under Article 14 of the BPD.

? 2001 Sun Trust Bank

                                       21

<PAGE>

61.      Are Participants permitted to DIRECT INVESTMENTS? (See Section 13.5(c)
         of the BPD.)

         [ ] a.   No

         [X] b.   Yes

                  [X] (1)  Specify Accounts: All Accounts

                  [X] (2)  Check this selection if the Plan is intended to
                           comply with ERISA SECTION 404(c). (See Section
                           13.5(c)(2) of the BPD.)

62.      Is any portion of the Plan DAILY VALUED? (See Section 13.2(b) of the
         BPD.)

         [ ] a.   No

         [X] b.   Yes. Specify Accounts and/or investment options: All Accounts

63.      Is any portion of the Plan VALUED PERIODICALLY (other than daily)? (See
         Section 13.2(a) of the BPD.)

         [X] a.   No

         [ ] b.   Yes

                  [ ] (1)  Specify Accounts and/or investment options:______

                  [ ] (2)  Specify valuation date(s):______

                  [ ] (3)  The following special allocation rules apply: [If
                           this (3) is not checked, the Balance Forward Method
                           under Section 13.4(a) of the BPD applies.]

                           [ ] (a)  Weighted average method. (See Section
                                    13.4(a)(2)(i) of the BPD.)

                           [ ] (b)  Adjusted percentage method, taking into
                                    account ___ % of contributions made during
                                    the valuation period. (See Section
                                    13.4(a)(2)(ii) of the BPD.)

                           [ ] (c)  (Describe allocation rules) ________________

                           [PRACTITIONER NOTE: Any allocation rules described in
                           (c) must be in accordance with a definite
                           predetermined formula that is not based on
                           compensation, that satisfies the nondiscrimination
                           requirements of Section 1.401(a)(4) of the
                           regulations, and that is applied uniformly to all
                           Participants.]

64.      Does the Plan accept ROLLOVER CONTRIBUTIONS? (See Section 3.2 of the
         BPD.)

         [ ] a. No                         [X] b. Yes

65.      Are LIFE INSURANCE investments permitted? (See Article 15 of the BPD.)

         [X] a. No                         [ ] b. Yes

66.      Do the DEFAULT QDRO PROCEDURES under Section 11.5 of the BPD apply?

         [ ] a. No                         [X] b. Yes

67.      Do the DEFAULT CLAIMS PROCEDURES under Section 11.6 of the BPD apply?

         [ ] a. No                         [X] b. Yes

                        PART 13 - MISCELLANEOUS ELECTIONS

*        THE FOLLOWING ELECTIONS OVERRIDE CERTAIN DEFAULT PROVISIONS UNDER THE
         BPD AND PROVIDE SPECIAL RULES FOR ADMINISTERING THE PLAN. COMPLETE THE
         FOLLOWING ELECTIONS TO THE EXTENT THEY APPLY TO THE PLAN.

[ ] 68. DETERMINATION OF HIGHLY COMPENSATED EMPLOYEES.

         [ ] a.   The TOP-PAID GROUP TEST applies. [If this selection a. is not
                  checked, the Top-Paid Group Test will NOT apply. See Section
                  22.99(b)(4) of the BPD.]

         [ ] b.   The CALENDAR YEAR ELECTION applies. [This selection b. may
                  only be chosen if the Plan Year is NOT the calendar year. See
                  Section 22.99(b)(5) of the BPD.]

? 2001 SunTrust Bank

                                       22

<PAGE>

[  ] 69. SPECIAL ELECTIONS FOR APPLYING THE ANNUAL ADDITIONS LIMITATION UNDER
         CODE SECTION 415.

         [  ] a.  The LIMITATION YEAR is the 12-month period ending ____. [If
                  this selection a. is not checked, the Limitation Year is the
                  same as the Plan Year.]

         [  ] b.  Total Compensation includes IMPUTED COMPENSATION for a
                  terminated Participant who is permanently and totally
                  Disabled. (See Section 7.4(g)(3) of the BPD.)

         [  ] c.  OPERATING RULES. Instead of the default provisions under
                  Article 7 of the BPD, the following rules apply:

[  ] 70. ELECTION TO USE OLD-LAW REQUIRED BEGINNING DATE. The Old-Law Required
         Beginning Date (as defined in Section 10.3(a)(2) of the BPD) applies
         instead of the Required Beginning Date rules under Section 10.3(a)(1)
         of the BPD.

[  ] 71. SERVICE CREDITED WITH PREDECESSOR EMPLOYERS: (See Section 6.7 of the
         BPD.)

         [  ] a.  (Identify Predecessor Employers) ______

         [  ] b.  Service is credited with these Predecessor Employers for the
                  following purposes:

                  [  ] (1) The eligibility service requirements elected in
                           Part 1 of this Agreement.

                  [  ] (2) The vesting schedule(s) elected in Part 6 of this
                           Agreement.

                  [  ] (3) The allocation requirements elected in Part 4 of this
                           Agreement.

         [  ] c.  The following service will not be recognized: ________________

                  [NOTE: If the Employer is maintaining the Plan of a
                  Predecessor Employer, service with such Predecessor Employer
                  must be counted for all purposes under the Plan. This #71 may
                  be completed with respect to such Predecessor Employer
                  indicating all service under selections (1), (2) and (3) will
                  be credited. The failure to complete this #71 where the
                  Employer is maintaining the Plan of a Predecessor Employer
                  will not override the requirement that such predecessor
                  service be credited for all purposes under the Plan. (See
                  Section 6.7 of the BPD.) If the Employer is not maintaining
                  the Plan of a Predecessor Employer, service with such
                  Predecessor Employer will be credited under this Plan ONLY if
                  specifically elected under this #71. If the above crediting
                  rules are to apply differently to service with different
                  Predecessor Employers, attach separately completed elections
                  for this item, using the same format as above but listing only
                  those Predecessor Employers to which the separate attachment
                  relates.]

[  ] 72. SPECIAL RULES WHERE EMPLOYER MAINTAINS MORE THAN ONE PLAN.

         [  ] a.  TOP-HEAVY MINIMUM CONTRIBUTION - EMPLOYER MAINTAINS THIS PLAN
                  AND ONE OR MORE DEFINED CONTRIBUTION PLANS. If this Plan is a
                  Top-Heavy Plan, the Employer will provide any required
                  top-heavy minimum contribution under: (See Section
                  16.2(a)(5)(i) of the BPD.)

                  [  ] (1) This Plan.

                  [  ] (2) The following Defined Contribution Plan maintained by
                           the Employer:________________

                  [  ] (3) Describe method for providing the top-heavy minimum
                           contribution:____________________________________
                                        _________________

         [  ] b.  TOP-HEAVY MINIMUM BENEFIT - EMPLOYER MAINTAINS THIS PLAN AND
                  ONE OR MORE DEFINED BENEFIT PLANS. If this Plan is a Top
                  -Heavy Plan, the Employer will provide any required top -heavy
                  minimum contribution or benefit under: (See Section
                  16.2(a)(5)(ii) of the BPD.)

                  [  ] (1) This Plan, but the minimum required contribution is
                           increased from 3% to 5% of Total Compensation for the
                           Plan Year.

                  [  ] (2) The following Defined Benefit Plan maintained by the
                           Employer:________________

                  [  ] (3) Describe method for providing the top-heavy minimum
                           contribution:_________________

         [  ] c.  LIMITATION ON ANNUAL ADDITIONS. This c. should be checked only
                  if the Employer maintains another Defined Contribution Plan in
                  which any Participant is a participant, and the Employer will
                  not apply the rules set forth under Section 7.2 of the BPD.
                  Instead, the Employer will limit Annual Additions in the
                  following manner:

? 2001 SunTrust Bank

                                       23

<PAGE>

[X] 73.  SPECIAL DEFINITION OF DISABLED. In applying the allocation conditions
         under Parts 4B and 4C, the special vesting provisions under Part 6, and
         the distribution provisions under Parts 9 and 10 of this Agreement, the
         following definition of Disabled applies instead of the definition
         under Section 22.53 of the BPD: means unable to engage in any
         substantial gainful activity of Participant's current job duties, or
         any other available position of comparable pay and benefits with
         Employer, by reason of any medically determinable physical or mental
         impairment that can be expected to result in death or which has lasted
         or can be expected to last for a continuous period of not less than 12
         months. The permanence and degree of impairment shall be supported by
         medical evidence.

         [NOTE: Any definition included under this #73 must satisfy the
         requirements of Section 1.401(a)(4) of the regulations and must be
         applied uniformly to all Participants.]

[X] 74.  FAIL-SAFE COVERAGE PROVISION. [This selection #74 must be checked to
         apply the Fail-Safe Coverage Provision under Section 2.7 of the BPD.]

         [X] a.   The Fail-Safe Coverage Provision described in Section 2.7 of
                  the BPD applies without modification.

         [ ] b.   The Fail-Safe Coverage Provisions described in Section 2.7 of
                  the BPD applies with the following modifications:

                  [ ] (1)  The special rule for Top-Heavy Plans under Section
                           2.7(a) of the BPD does not apply.

                  [ ] (2)  The Fail-Safe Coverage Provision is based on Included
                           Compensation as described under Section 2.7(d) of the
                           BPD.

[ ] 75.  ELECTION NOT TO PARTICIPATE (SEE SECTION 1.10 OF THE BPD). An Employee
         may make a one-time irrevocable election not to participate under the
         Plan upon inception of the Plan or at any time prior to the time the
         Employee first becomes eligible to participate under any plan
         maintained by the Employer. [NOTE: Use of this provision could result
         in a violation of the minimum coverage rules under Code Section
         410(b).]

[ ] 76.  PROTECTED BENEFITS. If there are any Protected Benefits provided under
         this Plan that are not specifically provided for under this Agreement,
         check this #76 and attach an addendum to this Agreement describing the
         Protected Benefits.

? 2001 SunTrust Bank

                                       24

<PAGE>

                                 SIGNATURE PAGE

By signing this page, the Employer agrees to adopt (or amend) the Plan which
consists of BPD #02 and the provisions elected in this Agreement. The Employer
agrees that the Prototype Sponsor has no responsibility or liability regarding
the suitability of the Plan for the Employer's needs or the options elected
under this Agreement. It is recommended that the Employer consult with legal
counsel before executing this Agreement.

77.      NAME AND TITLE OF AUTHORIZED REPRESENTATIVE(S):  SIGNATURE(S):  DATE:

         Sandra B. Cochran, President                     _____________  _______

         ___________________________________              _____________  _______

         ___________________________________              _____________  _______

78.      EFFECTIVE DATE OF THIS AGREEMENT:

         [ ] a.   NEW PLAN. Check this selection if this is a new Plan.
                  Effective Date of the Plan is:_________

         [X] b.   RESTATED PLAN. Check this selection if this is a restatement
                  of an existing plan. Effective Date of the restatement is:
                  September 15, 2003

                  (1) Designate the plan(s) being amended by this restatement:
                           Books-A-Million, Inc. 401(k) Profit Sharing Plan

                  (2) Designate the original Effective Date of this Plan
                           (optional): December 31, 1972

         [ ] c.   AMENDMENT BY PAGE SUBSTITUTION. Check this selection if this
                  is an amendment by substitution of certain pages of this
                  Adoption Agreement. [If this c. is checked, complete the
                  remainder of this Signature Page in the same manner as the
                  Signature Page being replaced.]

                  (1) Identify the page(s) being replaced: _____________________

                  (2) Effective Date(s) of such changes: _______________________

         [ ] d.   SUBSTITUTION OF SPONSOR. Check this selection if a successor
                  to the original plan sponsor is continuing this Plan as a
                  successor sponsor, and substitute page 1 to identify the
                  successor as the Employer.

                  (1) Effective Date of the amendment is: ______________________

[X] 79.  Check this #79 if any SPECIAL EFFECTIVE DATES apply under Appendix A of
         this Agreement and complete the relevant sections of Appendix A.

80.      PROTOTYPE SPONSOR INFORMATION. The Prototype Sponsor will inform the
         Employer of any amendments made to the Plan and will notify the
         Employer if it discontinues or abandons the Plan. The Employer may
         direct inquiries regarding the Plan or the effect of the Favorable IRS
         Letter to the Prototype Sponsor or its authorized representative at the
         following location:

         a.       NAME OF PROTOTYPE SPONSOR (OR AUTHORIZED REPRESENTATIVE):

                  SunTrust Bank

         b.       ADDRESS OF PROTOTYPE SPONSOR (OR AUTHORIZED REPRESENTATIVE):

                  8515 E. Orchard Rd. Greenwood Village, CO 80111

         c.       TELEPHONE NUMBER OF PROTOTYPE SPONSOR (OR AUTHORIZED
                  REPRESENTATIVE):

                  1-800-211-8757

IMPORTANT INFORMATION ABOUT THIS PROTOTYPE PLAN. A failure to properly complete
the elections in this Agreement or to operate the Plan in accordance with
applicable law may result in disqualification of the Plan. The Employer may rely
on the Favorable IRS Letter issued by the National Office of the Internal
Revenue Service to the Prototype Sponsor as evidence that the Plan is qualified
under Section 401 of the Code, to the extent provided in Announcement 2001-77.
The Employer may not rely on the Favorable IRS Letter in certain circumstances
or with respect to certain qualification requirements, which are specified in
the Favorable IRS Letter issued with respect to the Plan and in Announcement
2001-77. In order to obtain reliance in such circumstances or with respect to
such qualification requirements, the Employer must apply to the office of
Employee Plans Determinations of the Internal Revenue Service for a
determination letter. See Section 22.87 of the BPD.

? 2001 SunTrust Bank

                                       25

<PAGE>

                               TRUSTEE DECLARATION

By signing this Trustee Declaration, the Trustee agrees to the duties,
responsibilities and liabilities imposed on the Trustee by the BPD #02 and this
Agreement.

81.      NAME(S) OF TRUSTEE(S):     SIGNATURE(S) OF TRUSTEE(S):        DATE:

         SunTrust Bank              ______________________             _________

         ______________________     ______________________             _________

         ______________________     ______________________             _________

         ______________________     ______________________             _________

         ______________________     ______________________             _________

         ______________________     ______________________             _________

         ______________________     ______________________             _________

         ______________________     ______________________             _________

82.      EFFECTIVE DATE OF THIS TRUSTEE DECLARATION:____________________________

83.      THE TRUSTEE'S INVESTMENT POWERS ARE:

 [ ] a.  DISCRETIONARY TRUSTEE. The Trustee has discretion to invest Plan
         assets. This discretion is limited to the extent Participants are
         permitted to give investment direction, or to the extent the Trustee is
         subject to direction from the Plan Administrator, the Employer, an
         Investment Manager or other Named Fiduciary.

 [X] b.  DIRECTED TRUSTEE ONLY. The Trustee may only invest Plan assets as
         directed by Participants or by the Plan Administrator, the Employer, an
         Investment Manager or other Named Fiduciary.

 [ ] c.  SEPARATE TRUST AGREEMENT. The Trustee's investment powers are
         determined under a separate trust document which replaces (or is
         adopted in conjunction with) the trust provisions under the BPD. [NOTE:
         The separate trust document is incorporated as part of this Plan and
         must be attached hereto. The responsibilities, rights and powers of the
         Trustee are those specified in the separate trust agreement. If this c.
         is checked, the Trustee need not sign or date this Trustee Declaration
         under #81 above.]

? 2001 SunTrust Bank

                                       26

<PAGE>

                           CO-SPONSOR ADOPTION PAGE #1

[X]  CHECK THIS SELECTION AND COMPLETE THE REMAINDER OF THIS PAGE IF A RELATED
     EMPLOYER WILL EXECUTE THIS PLAN AS A COSPONSOR. [NOTE: Only a Related
     Employer (as defined in Section 22.164 of the BPD) that executes this
     Co-Sponsor Adoption Page may adopt the Plan as a Co-Sponsor. See Article 21
     of the BPD for rules relating to the adoption of the Plan by a CoSponsor.
     If there is more than one Co-Sponsor, each one should execute a separate
     Co-Sponsor Adoption Page. Any reference to the "Employer" in this Agreement
     is also a reference to the Co-Sponsor, unless otherwise noted.]

84.  NAME OF CO-SPONSOR: American Internet Service, Inc.

85.  EMPLOYER IDENTIFICATION NUMBER (EIN) OF THE CO-SPONSOR: 63-1238069

By signing this page, the Co-Sponsor agrees to adopt (or to continue its
participation in) the Plan identified on page 1 of this Agreement. The Plan
consists of the BPD #02 and the provisions elected in this Agreement.

86.      NAME AND TITLE OF AUTHORIZED REPRESENTATIVE(S):  SIGNATURE(S):  DATE:

         Sandra B. Cochran, President                     _____________  _______

         ____________________________________             _____________  _______

         ____________________________________             _____________  _______

87.  EFFECTIVE DATE OF THIS CO-SPONSOR ADOPTION PAGE: September 15, 2003

     [  ] a.   Check here if this is the initial adoption of a new Plan by the
               Co-Sponsor.

     [  ] b.   Check here if this is an amendment or restatement of an existing
               plan maintained by the Co-Sponsor, which is merging into the Plan
               being adopted.

               (1)  Designate the plan(s) being amended by this restatement:
                    ______________________

               (2)  Designate the original Effective Date of the Co-Sponsor's
                    Plan (optional):__________________

[  ] 88. ALLOCATION OF CONTRIBUTIONS. If this #103 is checked, contributions
         made by the Related Employer signing this CoSponsor Adoption Page (and
         any forfeitures relating to such contributions) will be allocated only
         to Participants actually employed by the Related Employer making the
         contribution and Employees of the Related Employer will not share in an
         allocation of contributions (or forfeitures relating to such
         contributions) made by the Employer or any other Related Employer.
         [NOTE: The selection of this #103 may require additional testing of the
         Plan. See Section 21.3 of the BPD.]

[  ] 89. DESCRIBE ANY SPECIAL EFFECTIVE DATES: _________________________________

? 2001 SunTrust Bank

                                       27

<PAGE>

                           CO-SPONSOR ADOPTION PAGE #2

[X]  CHECK THIS SELECTION AND COMPLETE THE REMAINDER OF THIS PAGE IF A RELATED
     EMPLOYER WILL EXECUTE THIS PLAN AS A CO-SPONSOR. [NOTE: Only a Related
     Employer (as defined in Section 22.164 of the BPD) that executes this
     Co-Sponsor Adoption Page may adopt the Plan as a Co-Sponsor. See Article 21
     of the BPD for rules relating to the adoption of the Plan by a Co-Sponsor.
     If there is more than one Co-Sponsor, each one should execute a separate
     Co-Sponsor Adoption Page. Any reference to the "Employer" in this Agreement
     is also a reference to the Co-Sponsor, unless otherwise noted.]

90.  NAME OF CO-SPONSOR: American Wholesale Book Company, Inc.

91.  EMPLOYER IDENTIFICATION NUMBER (EIN) OF THE CO-SPONSOR: 63-1071940

By signing this page, the Co-Sponsor agrees to adopt (or to continue its
participation in) the Plan identified on page 1 of this Agreement. The Plan
consists of the BPD #02 and the provisions elected in this Agreement.

92.      NAME AND TITLE OF AUTHORIZED REPRESENTATIVE(S):  SIGNATURE(S):  DATE:

         Sandra B. Cochran, President                     _____________  _______

         _________________________________                _____________  _______

         _________________________________                _____________  _______

93.  EFFECTIVE DATE OF THIS CO-SPONSOR ADOPTION PAGE: September 15, 2003

     [  ] a.   Check here if this is the initial adoption of a new Plan by the
               Co-Sponsor.

     [  ] b.   Check here if this is an amendment or restatement of an existing
               plan maintained by the Co-Sponsor, which is merging into the Plan
               being adopted.

               (1) Designate the plan(s) being amended by this restatement:
                   ____________________________

               (2) Designate the original Effective Date of the Co-Sponsor's
                   Plan (optional): ____________________

[  ] 94. ALLOCATION OF CONTRIBUTIONS. If this #109 is checked, contributions
         made by the Related Employer signing this Co-Sponsor Adoption Page (and
         any forfeitures relating to such contributions) will be allocated only
         to Participants actually employed by the Related Employer making the
         contribution and Employees of the Related Employer will not share in an
         allocation of contributions (or forfeitures relating to such
         contributions) made by the Employer or any other Related Employer.
         [NOTE: The selection of this #109 may require additional testing of the
         Plan. See Section 21.3 of the BPD.]

[  ] 95. DESCRIBE ANY SPECIAL EFFECTIVE DATES:__________________________________

? 2001 SunTrust Bank

                                       28

<PAGE>

                           CO-SPONSOR ADOPTION PAGE #3

[X]  CHECK THIS SELECTION AND COMPLETE THE REMAINDER OF THIS PAGE IF A RELATED
     EMPLOYER WILL EXECUTE THIS PLAN AS A CO-SPONSOR. [NOTE: Only a Related
     Employer (as defined in Section 22.164 of the BPD) that executes this
     Co-Sponsor Adoption Page may adopt the Plan as a Co-Sponsor. See Article 21
     of the BPD for rules relating to the adoption of the Plan by a Co-Sponsor.
     If there is more than one Co-Sponsor, each one should execute a separate
     Co-Sponsor Adoption Page. Any reference to the "Employer" in this Agreement
     is also a reference to the Co-Sponsor, unless otherwise noted.]

96.      NAME OF CO-SPONSOR: NetCentral, Inc.

97.      EMPLOYER IDENTIFICATION NUMBER (EIN) OF THE CO-SPONSOR: 62-1596749

By signing this page, the Co-Sponsor agrees to adopt (or to continue its
participation in) the Plan identified on page 1 of this Agreement. The Plan
consists of the BPD #02 and the provisions elected in this Agreement.

98.      NAME AND TITLE OF AUTHORIZED REPRESENTATIVE(S):  SIGNATURE(S):  DATE:

         Terrance G. Finley, President                    _____________  _______

         _____________________________________            _____________  _______

         _____________________________________            _____________  _______

99.      EFFECTIVE DATE OF THIS CO-SPONSOR ADOPTION PAGE: September 15, 2003

     [  ] a.   Check here if this is the initial adoption of a new Plan by the
               Co-Sponsor.

     [  ] b.   Check here if this is an amendment or restatement of an existing
               plan maintained by the Co-Sponsor, which is merging into the Plan
               being adopted.

               (1) Designate the plan(s) being amended by this restatement:
                   ______________________

               (2) Designate the original Effective Date of the Co-Sponsor's
                   Plan (optional): _____________________

[  ] 100. ALLOCATION OF CONTRIBUTIONS. If this #116 is checked, contributions
          made by the Related Employer signing this Co-Sponsor Adoption Page
          (and any forfeitures relating to such contributions) will be allocated
          only to Participants actually employed by the Related Employer making
          the contribution and Employees of the Related Employer will not share
          in an allocation of contributions (or forfeitures relating to such
          contributions) made by the Employer or any other Related Employer.
          [NOTE: The selection of this #116 may require additional testing of
          the Plan. See Section 21.3 of the BPD.]

[  ] 101. DESCRIBE ANY SPECIAL EFFECTIVE DATES: ________________________________

? 2001 SunTrust Bank

                                       29
<PAGE>

                           CO-SPONSOR ADOPTION PAGE #4

[X] CHECK THIS SELECTION AND COMPLETE THE REMAINDER OF THIS PAGE IF A RELATED
EMPLOYER WILL EXECUTE THIS PLAN AS A CO-SPONSOR. [NOTE: Only a Related Employer
(as defined in Section 22.164 of the BPD) that executes this Co-Sponsor Adoption
Page may adopt the Plan as a Co-Sponsor. See Article 21 of the BPD for rules
relating to the adoption of the Plan by a Co-Sponsor. If there is more than one
Co-Sponsor, each one should execute a separate Co-Sponsor Adoption Page. Any
reference to the "Employer" in this Agreement is also a reference to the
Co-Sponsor, unless otherwise noted.]

102.     NAME OF CO-SPONSOR: booksamillion.com, Inc.

103.     EMPLOYER IDENTIFICATION NUMBER (EIN) OF THE CO-SPONSOR: 63-1263503

By signing this page, the Co-Sponsor agrees to adopt (or to continue its
participation in) the Plan identified on page 1 of this Agreement. The Plan
consists of the BPD #02 and the provisions elected in this Agreement.

104.     NAME AND TITLE OF AUTHORIZED REPRESENTATIVE(S):  SIGNATURE(S):  DATE:

         Terrance G. Finley, President                    _____________  _______

         _______________________________________________  _____________  _______

         _______________________________________________  _____________  _______

105.     EFFECTIVE DATE OF THIS CO-SPONSOR ADOPTION PAGE: September 15, 2003

         [  ] a.  Check here if this is the initial adoption of a new Plan by
                  the Co-Sponsor.

         [  ] b.  Check here if this is an amendment or restatement of an
                  existing plan maintained by the Co-Sponsor, which is merging
                   into the Plan being adopted.

                  (1) Designate the plan(s) being amended by this restatement:
                      ____________________________________

                  (2) Designate the original Effective Date of the Co-Sponsor's
                      Plan (optional): ________________________

[  ]106. ALLOCATION OF CONTRIBUTIONS. If this #123 is checked, contributions
         made by the Related Employer signing this CoSponsor Adoption Page (and
         any forfeitures relating to such contributions) will be allocated only
         to Participants actually employed by the Related Employer making the
         contribution and Employees of the Related Employer will not share in an
         allocation of contributions (or forfeitures relating to such
         contributions) made by the Employer or any other Related Employer.
         [NOTE: The selection of this #123 may require additional testing of the
         Plan. See Section 21.3 of the BPD.]

[  ]107. DESCRIBE ANY SPECIAL EFFECTIVE DATES: _______________________________

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                                       30
<PAGE>

                      APPENDIX A - SPECIAL EFFECTIVE DATES

A-1      [X]      ELIGIBILITY CONDITIONS. The eligibility conditions specified
                  in Part 1 of this Agreement are effective: January 1, 2004.
                  Prior to January 1, 2004, the minimum age and service
                  conditions for becoming an Eligible Participant were one Year
                  of Service and age 21.

A-2      [ ]      ENTRY DATE. The Entry Date provisions specified in Part 2 of
                  this Agreement are effective:_________________________________

A-3      [ ]      SECTION 401(k) DEFERRALS. The provisions regarding Section
                  401(k) Deferrals selected under Part 4A of this Agreement are
                  effective:____________________________________________________

A-4      [ ]      MATCHING CONTRIBUTION FORMULA. The Employer Matching
                  Contribution formula(s) selected under Part 4B of this
                  Agreement are effective:______________________________________

A-5      [ ]      EMPLOYER CONTRIBUTION FORMULA. The Employer Nonelective
                  Contribution formula(s) selected under Part 4C of this
                  Agreement are effective:______________________________________

A-6      [ ]      ALLOCATION CONDITIONS FOR RECEIVING AN EMPLOYER MATCHING
                  CONTRIBUTION. The allocation conditions designated under Part
                  4B, #19 of this Agreement are effective:______________________

A-7      [ ]      ALLOCATION CONDITIONS FOR RECEIVING AN EMPLOYER NONELECTIVE
                  CONTRIBUTION. The allocation conditions designated under Part
                  4C, #24 of this Agreement are effective:______________________

A-8      [ ]      SAFE HARBOR 401(k) PLAN PROVISIONS. The Safe Harbor 401(k)
                  Plan provisions under Part 4E of this Agreement are effective:
                  ______________________________________________________________

A-9      [X]      VESTING RULES. The vesting schedules selected under Part 6 of
                  this Agreement are effective: January 1, 2004. Prior to
                  January 1, 2004, there was a six-year graded vesting schedule.

A-10     [ ]      SERVICE CREDITING RULES FOR ELIGIBILITY. The service crediting
                  rules for determining a Year of Service for eligibility
                  purposes under Section 1.4 of the BPD and Part 7 of this
                  Agreement are effective:______________________________________

A-11     [ ]      SERVICE CREDITING RULES FOR VESTING. The service crediting
                  rules for determining a Year of Service for vesting purposes
                  under Section 4.5 of the BPD and Part 7 of this Agreement are
                  effective:____________________________________________________

A-12     [ ]      FORFEITURE PROVISIONS. The forfeiture provisions selected
                  under Part 8 of this Agreement are effective:_________________

A-13     [ ]      DISTRIBUTION PROVISIONS. The distribution options selected
                  under Part 9 of the Agreement are effective for distributions
                  occurring after:______________________________________________

A-14     [ ]      IN-SERVICE DISTRIBUTION PROVISIONS. The in-service
                  distribution options selected under Part 10 of the Agreement
                  are effective for distributions occurring after:______________

A-15     [ ]      FORMS OF DISTRIBUTION. The optional forms of distribution
                  selected under Part 11 of this Agreement are eligible for
                  distributions occurring after:________________________________

A-16     [ ]      SPECIAL EFFECTIVE DATE PROVISIONS FOR MERGED PLANS. If any
                  qualified retirement plans have been merged into this Plan,
                  the provisions of Section 22.59 apply, except as otherwise
                  provided under this A-16:_____________________________________

A-17     [ ]      OTHER SPECIAL EFFECTIVE DATES:________________________________

? 2001 SunTrust Bank

                                       31
<PAGE>

                    APPENDIX B - GUST OPERATIONAL COMPLIANCE

[X]      Check this selection and complete the remainder of this page if this
         Plan is being adopted to comply retroactively with the GUST
         Legislation. An Employer need only check those provisions that apply.
         If this Plan is not being adopted to comply with the GUST Legislation,
         this Appendix B need not be completed and may be removed from the
         Agreement.

[ ]      B-1. HIGHLY COMPENSATED EMPLOYEE RULES. (See Section 20.2 of the
         BPD.)

         [  ] a.  TOP-PAID GROUP TEST. The election under Part 13, #68.a.
                  above to use (or to not use) the Top -Paid Group Test did not
                  apply for the following post-1996 Plan Year(s): _____________.

         [  ] b.  CALENDAR YEAR ELECTION. The election under Part 13, #68.b.
                  above to use (or to not use) the Calendar Year Election did
                  not apply for the following post-1996 Plan Year(s):
                  _______________.

         [  ] c.  The OLD-LAW CALENDAR YEAR Election applied for the Plan Year
                  that began in 1997.

[ ]      B-2. REQUIRED MINIMUM DISTRIBUTIONS. (See Section 10.4 of the BPD.)

         [  ] a.  OPTION TO POSTPONE MINIMUM DISTRIBUTIONS. For calendar year(s)
                  _______________, the Plan permitted Participants (other than
                  Five-Percent Owners) who were still employed with the Employer
                  to postpone minimum distributions in accordance with the
                  Required Beginning Date rules under Section 10.3(a)(1) of the
                  BPD, even though the Plan had not been amended to contain such
                  rules.

         [  ] b.  ELECTION TO STOP REQUIRED MINIMUM DISTRIBUTIONS. Starting
                  in calendar year ______________, a Participant (other than a
                  Five-Percent Owner) who had already started receiving
                  in-service minimum distributions under the Old-Law Required
                  Beginning Date rules may stop receiving such minimum
                  distributions until the Participant's Required Beginning Date
                  under Section 10.3(a)(1) of the BPD. [If this b. is not
                  checked, Participants who began receiving minimum
                  distributions under the Old-Law Required Beginning Date rules
                  must continue to receive such minimum distributions.]

         [  ] c.  APPLICATION OF JOINT AND SURVIVOR ANNUITY RULES. If
                  Employees are permitted to stop their required minimum
                  distributions under b. above and the Joint and Survivor
                  Annuity requirements apply to the Plan under Article 9 of the
                  BPD, the Participant:

                  [  ] (1) will           [  ] (2) will not

                  be treated as having a new Distribution Commencement Date when
                  distributions recommence. [NOTE: Do not check this c. if the
                  Plan is not subject to the Joint and Survivor Annuity
                  requirements. See Section 10.4(c) of the BPD for operating
                  rules concerning the application of the Joint and Survivor
                  Annuity rules under this subsection c.]

         [  ] d.  APPLICATION OF PROPOSED REGULATIONS FOR THE 2001 PLAN
                  YEAR. [This d. should be checked only if required minimum
                  distributions made for calendar years beginning on or after
                  January 1, 2001 will be made in accordance with the proposed
                  regulations under Code Section 401(a)(9), which were issued in
                  January 2001. If this d. is checked, required minimum
                  distributions made for calendar years beginning on or after
                  January 1, 2001 may be made in accordance with the proposed
                  regulations, notwithstanding any provision in the Plan to the
                  contrary. An election under this d. applies until the end of
                  the last calendar year beginning before the effective date of
                  final regulations under Code Section 401(a)(9) or such other
                  date specified in guidance published by the Internal Revenue
                  Service. If this d. is not checked, required minimum
                  distributions will continue to be made in accordance with the
                  provisions of Code Section 401(a)(9), without regard to the
                  proposed regulations.]

                  [  ] (1) EFFECTIVE DATE. The election under d. to apply the
                           proposed regulations under Code Section 401(a)(9)
                           applies only for required minimum distributions that
                           are made on or after _______. [In no event may the
                           proposed regulations apply to a required minimum
                           distribution that is made for a calendar year that
                           begins before January 1, 2001.]

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                                       32
<PAGE>

[  ] B-3. SPECIAL EFFECTIVE DATES.

          [  ] a. INVOLUNTARY DISTRIBUTION THRESHOLD OF $5,000 is first
                  effective under this Plan for distributions made after _______
                  (no earlier than the first day of the first Plan Year
                  beginning on or after August 5, 1997 and no later than the
                  date the Plan is adopted). [If this a. is not checked, the
                  $5,000 threshold applies to all distributions made on or after
                  the first day of the first Plan Year beginning on or after
                  August 5, 1997, except as provided in an earlier restatement
                  or amendment of the Plan. See Section 20.4 of the BPD.]

          [  ] b. FAMILY AGGREGATION is repealed for purposes of determining the
                  allocation of Employer Contributions for Plan Years beginning
                  ________ (no earlier than the first Plan Year beginning on or
                  after January 1, 1997 and no later than the date the Plan is
                  adopted). [If this b. is not checked, family aggregation is
                  repealed as of the first Plan Year beginning on or after
                  January 1, 1997. See Section 20.5 of the BPD.]

          [  ] c. QUALIFIED TRANSPORTATION FRINGES. The inclusion of qualified
                  transportation fringes in the definition of Total Compensation
                  (and Included Compensation) is applicable for years beginning
                  on or after __________ (no earlier than January 1, 1998 and no
                  later than January 1, 2001). [If this c. is not checked, the
                  inclusion of qualified transportation fringes is effective for
                  years beginning on or after January 1, 2001. An earlier date
                  should be entered under this c. only if the Plan was operated
                  to include qualified transportation fringes in Total
                  Compensation (and Included Compensation) during such period.]

[  ] B-4. CODE SECTION 415 LIMITATION. Complete this B-4 if for any Limitation
          Year in which the Code Section 415(e) limitation was applicable under
          Section 7.5 of the BPD, the Code Section 415(e) limitations were
          applied in a manner other than that described in Section 7.5(b) of the
          BPD. Any alternative method described in this B-4 that is used to
          comply with the Code Section 415(e) limitation must be consistent with
          Plan operation.

[  ] B-5. SPECIAL 401(k) PLAN ELECTIONS. (See Article 17 of the BPD)

          [  ] a. ADP/ACP TESTING METHODS DURING GUST REMEDIAL AMENDMENT PERIOD.
                  Check this a. if, in any Plan Year beginning after December
                  31, 1996, but before the adoption of this Agreement, the ADP
                  Test or ACP Test was performed using a different testing
                  method than the one selected under Part 4F, #31.a. or Part 4F,
                  #31.b. and specify the Plan Year(s) in which the other testing
                  method was used:

                  [  ] (1) ADP TEST: ____________

                  [  ] (2) ACP TEST: ____________

          [  ] b. APPLICATION OF SAFE HARBOR 401(k) PLAN PROVISIONS. Check this
                  b. if, prior to the adoption of this Agreement, the Plan was
                  operated in accordance with the Safe Harbor 401(k) Plan
                  provisions, and this Agreement is conforming the document to
                  such operational compliance for the period prior to the
                  adoption of this Agreement. [NOTE: This b. should be checked
                  only if this Agreement is executed within the remedial
                  amendment period applicable to the GUST Legislation. See
                  Article 20 of the BPD.]

                  [  ] (1) GUST EFFECTIVE DATE. The Safe Harbor 401(k) Plan
                           provisions under Part 4E are effective for the Plan
                           Year beginning __________ (may not be earlier than
                           the first Plan Year beginning on or after January 1,
                           1999).

                  [  ] (2) MODIFICATIONS TO PART 4E. Describe here, if
                           applicable, any Safe Harbor 401(k) Plan provisions
                           applied in operation that are not described or are
                           inconsistent with the selections under Part 4E:

                  [NOTE: The Safe Harbor 401(k) Plan provisions under Part 4E of
                  this Agreement will apply for all Plan Years beginning on or
                  after January 1, 1999 or the GUST effective date designated
                  under (1) above unless specifically modified under this (2).]

? 2001 SunTrust Bank

                                       33

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