Document:

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                               FIRST AMENDMENT TO
                  SECOND AMENDED AND RESTATED CREDIT AGREEMENT

         THIS FIRST AMENDMENT TO SECOND AMENDED AND RESTATED CREDIT AGREEMENT
(this "FIRST AMENDMENT"), dated as of December 30, 1999, is entered into among
POWER-ONE, INC., a Delaware corporation (the "PARENT"), INTERNATIONAL POWER
DEVICES, INC., a Massachusetts corporation ("IPD"), MELCHER HOLDING AG, a Swiss
corporation ("MELCHER") (the Parent, IPD and Melcher are hereinafter sometimes
collectively referred to herein collectively as the "BORROWERS"), the banks
listed on the signature pages hereof (the "LENDERS"), BANK OF AMERICA, N.A., as
administrative agent for the Lenders (in said capacity, the "ADMINISTRATIVE
AGENT") and UNION BANK OF CALIFORNIA, N.A., as co-agent for the Lenders.

         A. The Borrowers, the Lenders and the Administrative Agent are parties
to that certain Second Amended and Restated Credit Agreement, dated as of August
12, 1999 (said Credit Agreement, the "CREDIT AGREEMENT"; the terms defined in
the Credit Agreement and not otherwise defined herein shall be used herein as
defined in the Credit Agreement).

         B. The Borrowers, Lenders and the Administrative Agent desire to amend
the Credit Agreement to make certain changes therein.

         NOW, THEREFORE, in consideration of the covenants, conditions and
agreements hereafter set forth, and for other good and valuable consideration,
the receipt and adequacy of which are all hereby acknowledged, the Borrowers,
Lenders and the Administrative Agent covenant and agree as follows:

         1. AMENDMENTS TO CREDIT AGREEMENT.

         (a) SECTION 7.7 of the Credit Agreement is hereby amended to read as
follows:

         " Section 7.7 CAPITAL EXPENDITURES. The Parent shall not, and shall not
         permit any of its Subsidiaries to, make or commit to make any Capital
         Expenditures (a) during Fiscal Year 1999 in excess of $28,000,000 in
         aggregate amount, (b) during Fiscal Year 2000 in excess of $25,000,000
         in aggregate amount, (c) during Fiscal Year 2001 in excess of
         $30,000,000 in aggregate amount, and (d) during Fiscal Year 2002 in
         excess of $35,000,000 in aggregate amount (in the case of clauses (a),
         (b), (c) and (d), the "Maximum Amount"); PROVIDED, HOWEVER, that the
         Maximum Amount for each Fiscal Year shall be increased by an amount
         equal to the excess, if any, of the Maximum Amount for the previous
         Fiscal Year (before making any adjustments in accordance with this
         proviso) over the actual aggregate Capital Expenditures for such
         previous Fiscal Year."

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         (b) Exhibit C to the Credit Agreement is hereby amended to be in the
form of Exhibit C hereto.

         2. REPRESENTATIONS AND WARRANTIES TRUE; NO EVENT OF DEFAULT. By its
execution and delivery hereof, each Borrower represents and warrants that, as of
the date hereof and after giving effect to the amendments provided in the
foregoing Section 1:

         (a) the representations and warranties contained in the Credit
Agreement are true and correct in all material respects on and as of the date
hereof as if made on and as of such date, other than as listed on SCHEDULE 1
hereto;

         (b) no event has occurred and is continuing which constitutes a Default
or an Event of Default;

         (c) each Borrower has full power and authority to execute and deliver
this First Amendment and to perform this First Amendment and the Credit
Agreement, as amended by this First Amendment, the execution and delivery of
this First Amendment and the performance of this First Amendment and the Credit
Agreement, as amended by this First Amendment, has been duly authorized by all
corporate action of each Borrower, and this First Amendment and the Credit
Agreement, as amended hereby, constitute the legal, valid and binding
obligations of each Borrower, enforceable in accordance with their respective
terms, except as enforceability may be limited by applicable debtor relief laws
and by general principles of equity (regardless of whether enforcement is sought
in a proceeding in equity or at law) and except as rights to indemnity may be
limited by federal or state securities laws;

         (d) neither the execution and delivery of this First Amendment, or the
performance of this First Amendment or the Credit Agreement, as amended by this
First Amendment, nor the consummation of any transactions herein or therein,
will contravene or conflict with any Applicable Law to which any Borrower or any
of their respective Subsidiaries is subject or any indenture, agreement or other
instrument to which any Borrower or any of their respective Subsidiaries or any
of their respective property is subject, except to the extent that any such
contravention or conflict could not reasonably be expected to have a Material
Adverse Effect; and

         (e) no authorization, approval, consent or other action by, notice to,
or filing with, any governmental authority or other Person, is required for the
(i) execution and delivery of this First Amendment or performance by the
Borrowers of this First Amendment and the Credit Agreement, as amended by this
First Amendment, or (ii) acknowledgment of this First Amendment by each of the
Subordinated Creditors (as defined in the Subordination Agreement).

         3. CONDITIONS OF EFFECTIVENESS. This First Amendment shall be effective
as of December 30, 1999, subject to the following:

                                      -2-
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         (a) the Administrative Agent shall have received counterparts of this
First Amendment executed by the Determining Lenders;

         (b) the Administrative Agent shall have received counterparts of this
First Amendment executed by each Borrower and acknowledged by each of the
Subordinated Creditors;

         (c) the representations and warranties set forth in Section 3 shall be
true and correct in all material respects; and

         (d) the Administrative Agent and the Determining Lenders shall have
received in form and substance satisfactory to the Administrative Agent and the
Determining Lenders, such other documents, certificates and instruments as the
Determining Lenders shall reasonably require.

         4. ACKNOWLEDGMENT. By signing below, each of the Subordinated Creditors
(i) acknowledges and consents to the execution, delivery and performance by the
Borrowers of this First Amendment and (ii) acknowledges and agrees that its
obligations in respect of its Subordination Agreement are not released,
diminished, waived, modified, impaired or affected in any manner by this First
Amendment or any of the provisions contemplated herein except as expressly
provided herein.

         5. REFERENCE TO THE CREDIT AGREEMENT.

         (a) Upon the effectiveness of this First Amendment, each reference in
the Credit Agreement to "this Agreement", "hereunder", or words of like import
shall mean and be a reference to the Credit Agreement, as amended by this First
Amendment.

         (b) The Credit Agreement, as amended by this First Amendment, and all
other Loan Documents shall remain in full force and effect and are hereby
ratified and confirmed.

         6. COSTS, EXPENSES AND TAXES. The Borrower agrees to promptly pay all
reasonable costs and expenses of the Administrative Agent in connection with the
preparation, reproduction, execution and delivery of this First Amendment and
the other instruments and documents to be delivered hereunder (including the
reasonable fees and out-of-pocket expenses of counsel for the Administrative
Agent).

         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 when so executed and delivered shall be deemed to be
an original and all of which when taken together shall constitute but one and
the same instrument.

         8. GOVERNING LAW; BINDING EFFECT. This First Amendment shall be
governed by and construed in accordance with the laws of the State of Texas and
shall be binding upon the Borrower and each Lender and their respective
successors and assigns.

                                      -3-
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         9. HEADINGS. Section headings in this First Amendment are included
herein for convenience of reference only and shall not constitute a part of this
First Amendment for any other purpose.

         10. ENTIRE AGREEMENT. THE CREDIT AGREEMENT, AS AMENDED BY THIS FIRST
AMENDMENT, AND THE OTHER LOAN DOCUMENTS REPRESENT THE FINAL AGREEMENT BETWEEN
THE PARTIES AS TO THE SUBJECT MATTER THEREIN AND HEREIN AND MAY NOT BE
CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT ORAL
AGREEMENTS BETWEEN THE PARTIES.

================================================================================

                   REMAINDER OF PAGE LEFT INTENTIONALLY BLANK

================================================================================

                                      -4-
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         IN WITNESS WHEREOF, the parties hereto have executed this First
Amendment as of the date first above written.

                                        POWER-ONE, INC.

                                        By:   __________________________________
                                              Name:  Ed. K. Schnopp
                                              Title:  Vice President

                                        INTERNATIONAL POWER DEVICES, INC.

                                        By:   __________________________________
                                              Name:  Ed K. Schnopp
                                              Title:____________________________

                                        MELCHER HOLDING AG

                                        By:   __________________________________
                                              Name:  Dr. Hans Gruter
                                              Title:  Director

                                        By:   __________________________________
                                              Name:  Marcel V. Galli
                                              Title:  Secretary to the Board of
                                                      Directors

                                      -5-
<PAGE>

                                        BANK OF AMERICA,  N.A., as a Lender, as
                                        Administrative  Agent, and as Issuing
                                        Bank

                                        By:   __________________________________
                                              Name:  Douglas T. Meckelnburg
                                              Title:  Vice President

                                      -6-
<PAGE>

                                        UNION BANK OF CALIFORNIA, N.A.

                                        By:   __________________________________
                                              Name:_____________________________
                                              Title:____________________________

                                      -7-
<PAGE>

                                        CITY NATIONAL BANK

                                        By:   __________________________________
                                              Name:_____________________________
                                              Title:____________________________

                                      -8-
<PAGE>

                                        CALIFORNIA BANK & TRUST

                                        By:   __________________________________
                                              Name:_____________________________
                                              Title:____________________________

                                      -9-
<PAGE>

ACKNOWLEDGED AND AGREED:

POWER-ONE, INC. (as a Subordinated Creditor for loans to International Power
Devices, Inc. and Melcher Holding AG)

By:   ______________________________
      Name:  Ed K. Schnopp
      Title:  Vice President

INTERNATIONAL POWER DEVICES, INC. (as a Subordinated Creditor for loans to
Power-One, Inc. and Melcher Holdings AG)

By:   ______________________________
      Name:  Ed K. Schnopp
      Title:

POWER-ELECTRONICS, INC.

By:   ______________________________
      Name:_________________________
      Title:________________________

PODER UNO DE MEXICO, S.A. DE C.V.

By:   ______________________________
      Name:_________________________
      Title:________________________

                                      -10-
<PAGE>

MELCHER HOLDING AG (as a Subordinated Creditor for loans to Power-One, Inc. and
International Power Devices, Inc.)

By:   ______________________________
      Name:  Dr. Hans Gruter
      Title:  Director

By:   ______________________________
      Name:  Marcel V. Galli
      Title:  Secretary to the Board of Directors

                                      -11-
<PAGE>

MELCHER AG

By:   ______________________________
      Name:  Dr. Hans Gruter
      Title:  Director

By:   ______________________________
      Name:  Marcel V. Galli
      Title: Secretary to the Board of Directors

DOMENIC MELCHER AG

By:   ______________________________
      Name:  Dr. Hans Gruter
      Title:  Director

By:   ______________________________
      Name:  Marcel V. Galli
      Title: Secretary to the Board of Directors

MELCHER S.A.

By:   ______________________________
      Name:  Dr. Hans Gruter
      Title:  President Directeur General

MELCHER LTD.

By:   ______________________________
      Name:  Dr. Hans Gruter
      Title:  Director

                                      -12-
<PAGE>

MELCHER S.R.L.

By:   ______________________________
      Name:  Dr. Hans Gruter
      Title:  Director

MELCHER GMBH

By:   ______________________________
      Name:  Dr. Hans Gruter
      Title:

MELCHER B.V.

By:   ______________________________
      Name:  Dr. Claus Maier
      Title:  Director

MELCHER SIMP LTD.

By:   ______________________________
      Name:  Dr. Martin Schnider
      Title:  Director

MELCHER PRODUKTION AG

By:   ______________________________
      Name:  Dr. Hans Gruter
      Title:  Director

By:   ______________________________
      Name:  Marcel V. Galli
      Title: Secretary to the Board of Directors

                                      -13-
<PAGE>

MELCHER S.R.O.

By:   ______________________________
      Name:  Dr. Martin Schnider
      Title:  Director

LR CRYSTAL IMMO A.S.

By:   ______________________________
      Name:  Dr. Martin Schnider
      Title:  Member of Supervisory Board

                                      -14-
<PAGE>

                                  SCHEDULE 1

     Lucent Technologies and its wholly owned subsidiaries have contacted
     the Parent about Lucent's Patent Nos. 5,303,138; 5,528,482; and
     5,872,705 (collectively, the "Lucent Patents") and have solicited the
     Parent to take a license under the Lucent Patents. In a latter to the
     Parent, dated October 19, 1999, Lucent asserted that the Parent's
     products (such as the Parent's HES, OES and IES Series DC/DC
     converters) "infringe" the Lucent Patents. Because the Parent is in the
     process of obtaining and analyzing relevant information, and because of
     the preliminary nature of the communications between the Parent and
     Lucent, the Parent is currently unable to estimate the outcome of any
     claim related to the Lucent Patents.

                                      -15-
<PAGE>

                                    EXHIBIT C

                                      -16-<PAGE>

                                                                 EXHIBIT 10.8

                                January 13, 2000

Mr. Bill Yeates
9101 Prince Williams Dr.
Austin, TX  78730

Dear Bill:

         This letter confirms our understanding of the basic terms and
conditions on which you will serve as Chief Operating Officer of Power-One, Inc.
("POWER-ONE"):

              1. DUTIES. During your employment, your services will be
exclusive to Power-One, and you will devote your entire business time,
attention and energies to Power-One's business. You will perform your
services faithfully and to the best of your ability and carry out Power-One's
policies and directives consistent with your position.

              2. SALARY AND BONUS. Power-One will pay you a base salary at an
annualized rate of $300,000 payable in accordance with Power-One's payroll
policies, and Power-One will loan you $100,000 upon hire, which you will be
required to repay in accordance with Paragraph 7. In addition to your annual
salary, you will be eligible to receive an annual bonus of up to 100% of your
base salary. The payment and amount of your bonus will depend upon the
achievement of corporate, financial and individual performance goals outlined
in a plan upon which Power-One and you will mutually agree. Power-One will
reimburse you for expenses incurred in connection with performance of your
duties upon presentation of standard documentation.

              3. STOCK OPTIONS. Power-One will grant you non-qualified stock
options to purchase shares of Power-One common stock in accordance with the
provisions of Power-One's Amended and Restated 1996 Stock Incentive Plan as
follows:

                 a. You will receive an option to purchase 75,000 shares of
         common stock, all of which will vest and become exercisable on
         December 31, 2001 (the "LOAN OPTION"), provided that (i) you have
         not terminated your employment for any reason other than death or
         permanent disability (as defined below) or (ii) Power-One has not
         terminated your employment for cause (as defined below).

                 b. You will also receive an option to purchase 150,000
         shares of Power-One common stock (the "EMPLOYEE OPTION" and together
         with the Loan Option, the "OPTIONS"). The shares of common stock
         underlying the Employee Option will vest and become exercisable over
         four years at the rate of 25% per year pursuant to our standard
         Employee Non-Qualified Stock Option Agreement, a form of which is
         attached as EXHIBIT A.

                 c. The Options will be at an exercise price equal to the
         closing price on Nasdaq of the common stock on your first day of
         employment; January 13, 2000.

<PAGE>

                 d. You will be eligible to receive additional annual option
         grants under Power-One's Stock Incentive Plan to the extent, if any,
         and on terms awarded by Power-One's Compensation Committee to
         Power-One's executive officers.

              4. LOAN. On the date of this letter, Power-One will loan you
$660,000, and you will execute and deliver a full-recourse promissory note
(the "NOTE") in favor of Power-One. Interest will accrue on this note at the
rate of 5.5% per annum (Power-One's corporate borrowing rate in effect on the
date of this agreement). All principal and interest under the Note will be
due and payable on the fourth anniversary of the date of this letter, but you
may prepay any amount of outstanding indebtedness at any time without penalty.

              5. CHANGE OF CONTROL. If a Change in Control (as defined below)
of Power-One occurs within four years after your start date, the following
will apply:

                 a. You will receive a one-time payment equal to two times
         the sum of your most recent annual salary and your most recent
         annual bonus. This amount will be deposited in an escrow account,
         and two years after the effective date of the Change in Control, you
         will receive this payment, together will any interest that has
         accrued on such amount.

                 b. At your election, all of the unvested shares underlying
         the Employee Option will vest and become exercisable on the
         effective date of the Change in Control, and any cash proceeds or
         shares of the acquirer's capital stock that you receive in payment
         for these shares as a result of such Change in Control will be
         deposited in an escrow account until the earlier of (i) with respect
         to any shares underlying the Employee Option that vest, the vesting
         date for such shares, (ii) two years from the effective date of the
         Change in Control and (iii) the four year anniversary of your hire
         date. To the extent that you are required to recognize income from
         the acceleration and exercise of these options, you will either (i)
         be distributed from the escrow account cash in the amount of your
         tax liability or (ii) the number of your shares of capital stock of
         the acquirer held in escrow equal to the amount of your tax
         liability will be released to you. If you elect not to accelerate
         your options, your options will become options to purchase the
         acquirer's capital stock on the same terms and conditions of your
         Power-One options.

                 c. For the purposes of this Paragraph 5, "CHANGE IN CONTROL"
         means (i) the sale of all or substantially all of the outstanding
         capital stock of Power-One, (ii) a merger of Power-One into another
         company in which Power-One is not the surviving entity, (iii) the
         acquisition by any individual, entity or group other than Stephens
         Inc. within the meaning of the Sections 13 or 14 of the Securities
         Exchange Act of 1934, as amended (the "EXCHANGE ACT") of "beneficial
         ownership," within the meaning of Rule 13d-3 of the Exchange Act of
         40% or more of the combined voting power of the then outstanding
         voting securities of Power-One entitled to vote generally in the
         election of directors or (iv) the sale of all or substantially all
         of Power-One's assets.

                 d. If your employment is terminated for anything other than
         "cause" during the two-year period after the effective date of the
         Change in Control, including

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         your death or permanent disability, all cash proceeds (or shares of
         stock, as the case may be) then held in escrow will immediately be
         paid to you and your emloyee benefits will continue for a period of
         two years. "CAUSE" means (i) theft, embezzlement or obtaining funds
         or property under false pretenses, if such transgressions are
         demonstrably material in amount both in relation to you and
         Power-One's successor, (ii) engaging in an act of dishonesty or
         moral turpitude (including convictions of felonies) if such act
         materially and demonstrably injures Power-One's successor, but
         traffic or moving violations will not constitute acts of dishonesty
         or moral turpitude for the purpose of this definition or (iii)
         willfully failing to substantially perform your duties as an
         employee of Power-One's successor (other than as a result of
         incapacity due to physical illness), where you have either acted in
         bad faith or without reasonable belief that such breach was in the
         best interests of Power-One's successor, and such failure has
         resulted in material and demonstrable injury to Power-One's
         successor.

                 e. If you terminate your employment for any reason other
         than your death or permanent disability during this two-year period,
         then all cash proceeds (or shares of stock, as the case may be) then
         held in escrow will be distributed to Power-One, and you will have
         no right in them. "PERMANENT DISABILITY" means your absence from
         your duties with Power-One on a full-time basis for 180 consecutive
         business days as a result of incapacity due to mental or physical
         illness that is determined to be total and permanent by a physician
         selected by Power-One or its insurers and acceptable to you or your
         legal representative.

              6. MOVING EXPENSES. Power-One will make loans to you for
relocation expenses as follows:

                 a. an amount equal to $25,000 to cover miscellaneous moving
         expenses, without any requirement for you to document such expenses;

                 b. for all reasonable expenses necessarily incurred by you
         in connection with selling your home in Austin, TX upon presentation
         of receipts for such expenses, including realtor's commissions and
         all escrow and closing fees for which you are responsible but not
         including reimbursement for any taxes or mortgage fees incurred in
         connection with the sale of your residence;

                 c. up to $75,000 for losses that you may incur on the sale
         of your residence in Austin, TX;

                 d. for all reasonable expenses necessarily incurred by you
         in connection with purchasing a residence in Ventura County, CA upon
         presentation of receipts for such expenses, including realtor's
         commissions and all escrow and closing fees for which you are
         responsible and up to two points payable in connection with
         obtaining a mortgage for the purchase of this residence;

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<PAGE>

                 e. for no more than sixth months from the date of hire, up
         to $2,000 per month plus amounts required to pay all utilities for
         the temporary residence that you occupy in Ventura County, CA while
         looking for a permanent residence;

                 f. for all reasonable travel expenses necessarily incurred
         by you in relocating your family to California upon presentation of
         receipts for such expenses;

                 g. for the cost to relocate your furniture, other household
         goods and vehicles to California. You will be required to obtain two
         estimates from movers of your choice. Power-One will directly pay
         the mover that you select, but if one of these estimates is more
         than $1000 lower than the other and you do not use the mover with
         the lower estimate, Power-One will obtain an estimate from a mover,
         and you will required to use the mover with the lower of this
         estimate and the lower of the two estimates that you previously
         obtained; and

                 h. for storage of your furniture and household goods for up
         to six months following your relocation to California.

              7. NO-INTEREST LOAN. Amounts that Power-One loans you under
Paragraph 6 and Paragraph 2 will not accrue interest. Power-One will forgive
all of this indebtedness (i) three years after your date of hire, (ii) on
your death or permanent disability or (iii) if your employment is terminated
for any reason other than cause. If you terminate your employment for any
reason other than death or permanent disability or Power-One or its successor
terminates your employment for cause during the three-year period after your
date of hire, you will immediately be required to repay these amounts in-full
without accrued interest. You will be required to enter into a promissory
note or notes for all amounts covered by this paragraph. You will be required
to pay all taxes that you incur as a result of the reimbursement expenses
that you receive under Paragraph 6.

              8. BENEFITS. You will be entitled to receive all of the
employee benefits described on EXHIBIT B

              Please sign below to indicate your acceptance of these basic
terms and conditions of your employment with Power-One. We very much look
forward to working with you.

                                            Best regards,

                                            ------------------------------------
                                            Steven J. Goldman
                                            Chairman and Chief Executive Officer
                                            Power-One, Inc.

                                       4

<PAGE>

                                    EXHIBIT B

CAR ALLOWANCE: You will be eligible for an automobile allowance of $255 per
week. (On an annualized basis, this is equivalent to $13,260.) This allowance
is intended to reimburse you for all expenses incurred while using your
personal vehicle for company business. In exchange for this allowance, you
must maintain a minimum of $300,000 personal liability insurance coverage on
your vehicles at all times.

401K PLAN: You will be eligible to participate in the 401(k) Plan on the next
plan entry date (07/01/00). At that time and subject to the provisions of the
plan, you may contribute from 1% to 15% of your pay on a before tax 401(k)
basis. Power-One's current matching contribution is 50 cents for every dollar
you save, up to 3% of your pay and 25 cents for every dollar you save
thereafter, up to the next 3% of your pay, for a total partial matching
contribution of up to 6% of your pay. Although this is the contribution
amount that Power-One has made since the inception of the plan, this amount
is subject to change in the future.

EMPLOYEE STOCK PURCHASE PROGRAM: Employees can contribute 2 to 15% of their
after tax pay to purchase Power-One stock at a 15% discount subject to the
terms of that plan.

VACATION: You will be eligible to receive 4 weeks of paid vacation per year
at a straight time rate.

SICK PAY: We do not have a formal sick pay policy. Therefore, if you are out
ill, we will continue your pay up to 30 calendar days per year. After that
time, you would be eligible for short-term disability insurance (provided by
Power-One) and eventually eligible for long-term disability (also provided by
Power-One).

HOLIDAYS:  Power-One currently enjoys 9 paid holidays per year.  They are:

                  New Years Day
                  Presidents Day
                  Memorial Day
                  Independence Day
                  Labor Day
                  Thanksgiving Day
                  Day after Thanksgiving
                  Christmas Eve
                  Christmas Day

MEDICAL COVERAGE: Due to your wife's pregnancy and upcoming childbirth, we
agree to reimburse you the cost to maintain your present coverage under COBRA
for up to 6 months.

Blue Cross provides our medical coverage effective 01/01/00. There is a
choice of coverage available:

- PPO - Single Coverage = 10.50/wk; Employee +1= $32.00/wk; Employee +2 or
  more = $45/wk.
- HMO - Single Coverage = 8.50/wk; Employee +1= $22.00/wk; Employee +2 or
  more = $35/wk.
- Out of Area Plan - 10.50/wk; Employee +1= $32.00/wk; Employee +2 or
  more = $45/wk.

                                  Exhibit B-1

<PAGE>

DENTAL COVERAGE: MetLife provides Coverage. They offer a policy that provides
the same level of benefits whether the employee sees a dentist in or out of
network. This coverage is free for both the employee and dependents. A summary
of coverage is:

                  Annual Max  = $1000 per person

                  Co-insurance =
                           Preventative     100%
                           Basic            80%
                           Major            50%

                  Deductible:  $50/$150 - Waived for Preventative

VISION: Coverage is provided by V.S.P. This is a nationwide program.
Employees must see a doctor within the network. There are various limits of
coverage. We can also review this information in detail at a later time. This
coverage is free for both the employee and dependents.

LIFE INSURANCE: Our current contract with our life insurance carriers limits
coverage to $300,000. This is an AD & D Plan. We will attempt to modify this
limit. In the event of accidental death while utilizing any mode of
transportation, you would have an additional $100,000. Additional Life
Insurance can be purchased in increments of $15,000 to a maximum of $500,000.

                                  Exhibit B-2

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