Document:

Prepared by R.R. Donnelley Financial -- Amended and Restated Bylaws

  
 Exhibit 4.1 
  
 POGO PRODUCING COMPANY 
  
 BYLAWS

  
 (As Amended and Restated) 
  
 ARTICLE I 
  
 Meetings of Stockholders 
  
 SECTION 1.    The annual meeting of the stockholders of this Corporation shall be held on such date and
at such time as the Board of Directors shall designate by resolution, or any subsequent day or days to which such meeting may be adjourned, for the purposes of electing directors and of transacting such other business as may properly come before the
meeting. The Board of Directors shall fix by resolution the city and the place within such city for the holding of such meeting, and at least ten days notice shall be given to the stockholders of the city and place so fixed. 
  
 SECTION 2.    Special meetings of the stockholders may be called at any time by the Board of Directors,
the Chairman of the Board, the Executive Committee (if any), or the Chief Executive Officer. Upon written request of any person or persons who have duly called a special meeting, it shall be the duty of the Secretary of the Corporation to fix the
date of the meeting to be held not less than ten nor more than sixty days after the receipt of the request and to give due notice thereof. If the Secretary shall neglect or refuse to fix the date of the meeting and give notice thereof, the person or
persons calling the meeting may do so. 
  
 SECTION 3.    Every special meeting of
the stockholders shall be held at such place within or without the State of Delaware as the Board of Directors may designate, or, in the absence of such designation, at the registered office of the Corporation in the State of Delaware. 

 
 SECTION 4.    Written notice of every meeting of the stockholders shall be given by the
Secretary of the Corporation to each stockholder of record entitled to vote at the meeting, by placing such notice in the mail at least ten days, but not more than fifty days, prior to the day named for the meeting addressed to each stockholder at
his address appearing on the books of the Corporation or supplied by him to the Corporation for the purpose of notice. 
  
 SECTION 5.    The Board of Directors may fix a date, not less than ten nor more than sixty days preceding the date of any meeting of stockholders, as a record date for the determination of
stockholders entitled to notice of, or to vote at, any such meeting. The 

 Board of Directors shall not close the books of the Corporation against transfer of shares during the whole or any part of such period.

  
 SECTION 6.    The notice of every meeting of stockholders may be accompanied
by a form of proxy approved by the Board of Directors in favor of such person or persons as the Board of Directors may select. 
  
 SECTION 7.    At all meetings of stockholders for the election of directors, a plurality of the voting power of the Voting Stock present at the meeting shall be sufficient to elect. In the case of a
matter submitted for action by the stockholders at the direction of the Board of Directors as to which a stockholder approval requirement is applicable under a rule or policy of a national stock exchange or any provision of the Internal Revenue
Code, in each case for which no higher voting requirement is specified by law, the Certificate of Incorporation or these Bylaws, the vote required for approval shall be the requisite vote specified in such rule or policy or Internal Revenue code
provision, as the case may be (or the highest such requirement if more than one is applicable). For approval or ratification of the appointment of independent public accountants (if submitted for a vote at the direction of the Board of Directors),
the vote required for approval shall be a majority of the votes cast on the matter. All other elections and questions shall, unless otherwise provided by law, the Certificate of Incorporation or these Bylaws, be decided by the vote of the holders of
shares of stock having a majority of the voting power of the then-outstanding shares of Voting Stock. “Voting Stock” means all outstanding shares of capital stock of the Corporation that pursuant to or in accordance with the Certificate of
Incorporation are entitled to vote generally in the election of directors of the Corporation, and each reference herein, where appropriate, to a percentage or portion of shares of Voting Stock shall refer to such percentages or portion of such
shares entitled to vote. The stockholders present at any duly organized meeting may continue to do business until adjournment, notwithstanding the withdrawal of enough stockholders to leave less than a quorum. 
  
 SECTION 8.    Any meeting of the stockholders may be adjourned from time to time, without notice other
than by announcement at the meeting at which such adjournment is taken, and at any such adjourned meeting at which a quorum shall be present any action may be taken that could have been taken at the meeting originally called; provided that if the
adjournment is for more than thirty days, or if after the adjournment a new record date is fixed for the adjourned meeting, a notice of the adjourned meeting shall be given to each stockholder of record entitled to vote at the adjourned meeting.

  
 SECTION 9.    Subject to the rights of holders of any class or series of stock
having a preference over the Common Stock of the Corporation as to dividends or upon liquidation to elect directors under specified circumstances, nominations of persons for election to the Board of Directors may be made only (a) by the Board of
Directors or a committee appointed by the Board of Directors or (b) by any stockholder of the Corporation who is a stockholder of record at the time of giving of the stockholder’s notice provided for in this Section 9, who shall be entitled to
vote at such meeting and who complies with the notice procedures set forth in this Section 9. For a nomination to be properly made by a 
 

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 stockholder, the stockholder shall have given timely notice of his intention to make such nomination or
nominations in writing to the Secretary of the Corporation. To be timely, a stockholder’s notice shall be delivered to or mailed and received at the principal executive offices of the Corporation not less than eighty days nor more than one
hundred and ten days prior to the date of the meeting of stockholders at which such nomination is to be made; provided, however, that in the event that less than ninety days notice or prior public disclosure of the date of the meeting
is given or made to stockholders, notice by the stockholder to be timely received by the Corporation must be so received not later than the close of business on the tenth day following the day on which such notice of the date of the meeting was
mailed to stockholders or such public disclosure was made, whichever first occurs. Such stockholder’s notice to the Secretary shall set forth: (i) the name and address, as they appear on the Corporation’s books, of the stockholder
proposing to make such nomination or nominations; (ii) a representation of the stockholder as to the class and number of shares of capital stock of the Corporation which are beneficially owned by such stockholder, and the stockholder’s intent
to appear in person or by proxy at the meeting to nominate the person or persons specified in the notice; (iii) a description of all arrangements or understandings between the stockholder and each nominee and any other person or persons (naming such
person or persons) pursuant to which the nomination or nominations are to be made by the stockholder; (iv) the name, age, business address and residence address, business experience or other qualifications of the person or persons to be nominated;
(v) the principal occupation or employment of such person or persons; (vi) the class and number of shares of capital stock of the Corporation which are beneficially owned by such person or persons; (vii) such other information regarding each nominee
proposed by such stockholder as would be required to be included in a proxy statement filed pursuant to the proxy rules of the Securities and Exchange Commission, had the nominee been nominated, or intended to be nominated, by the Board of
Directors; and (viii) the consent of each nominee to serve as a director of the Corporation if so elected. No stockholder nomination shall be effective unless made in accordance with the procedures set forth in this Section 9. The Chairman of the
meeting shall, if the facts warrant, determine and declare to the meeting that a stockholder nomination was not made in accordance with the provisions of the Bylaws, and if he should so determine, he shall so declare to the meeting and the defective
nomination shall be disregarded. 
  
  
 SECTION
10.    At any meeting of stockholders, only such business shall be conducted as shall have been brought before the meeting (a) by or at the direction of the Board of Directors or (b) by any stockholder of the Corporation who is a
stockholder of record at the time of giving of the stockholder’s notice provided for in this Section 10, who shall be entitled to vote at such meeting and who complies with the notice procedures set forth in this Section 10. For business to be
properly brought before a meeting of stockholders by a stockholder, the stockholder shall have given timely notice thereof in writing to the Secretary of the Corporation. To be timely, a stockholder’s notice shall be delivered to or mailed and
received at the principal executive offices of the Corporation not less than eighty days nor more than one hundred and ten days prior to the date of the meeting at which such business is to be considered; provided, however that in the event
that less than ninety days notice or prior public disclosure of the date of the meeting is given or made to stockholders, notice by the stockholder to be timely received by the 
 

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 Corporation must be so received not later than the close of business on the tenth day following the day on which such notice of the date of the
meeting was mailed to stockholders or such public disclosure was made, whichever first occurs. Such stockholder’s notice to the Secretary shall set forth as to each matter the stockholder proposes to bring before the meeting: (i) a brief
description of the business desired to be brought before the meeting: the reasons for conducting such business at the meeting and, in the event that such business includes a proposal to amend either the Certificate of Incorporation or Bylaws of the
Corporation, the language of the proposed amendment, (ii) the name and address, as they appear on the Corporation’s books, of the stockholder proposing such business, (iii) a representation of the stockholder as to the class and number of
shares of capital stock of the Corporation which are beneficially owned by such stockholder, and the stockholder’s intent to appear in person or by proxy at the meeting to propose such business and (iv) any material interest of such stockholder
in such business. Notwithstanding anything in the Bylaws to the contrary, no business shall be conducted at a stockholders meeting unless brought before the meeting in accordance with the procedures set forth in this Section 10. The Chairman of the
meeting shall, if the facts warrant, determine and declare to the meeting that business was not properly brought before the meeting and in accordance with the provisions of the Bylaws, and if he should so determine, he shall so declare to the
meeting and any such business not properly brought before the meeting shall not be transacted. 
  
 SECTION 11.    For purposes of Sections 9 and 10 of these Bylaws, notice of the date of any stockholders meeting may be included in any (i) report or other communication mailed to stockholders
generally or (ii) press release issued by the Corporation. Public disclosure of such date shall be deemed sufficient for such purpose if made in any report filed by the Corporation with the Securities and Exchange Commission pursuant to the
Securities Exchange Act of 1934, as amended, and the rules and regulations thereunder. Notwithstanding the foregoing provisions of Sections 9 and 10, a stockholder shall also comply with all applicable requirements of the Securities Exchange Act of
1934, as amended, and the rules and regulations thereunder with respect to the matters set forth in Sections 9 and 10. 
  
 ARTICLE II 
  
 Board of Directors 
  
 SECTION 1.    The business, affairs and property of the Corporation shall be managed by or under the direction of the Board of Directors.
The number of directors shall be not less than three nor more than eleven, and shall be determined from time by or pursuant to a resolution passed by a majority of the Board. The Board of Directors shall be divided into three classes as provided in
the Certificate of Incorporation of the Corporation. The directors shall be elected by the stockholders as provided in the Certificate of Incorporation of the Corporation. A director need not be a resident of the State of Delaware or a stockholder
of the Corporation. 
 

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 SECTION 2.    Any vacancy in the Board of
Directors, or newly created directorship resulting from an increase in the number of directors elected by all the stockholders having the right to vote as a single class, may be filled only by a majority of the directors then in office, although
less than a quorum, or by a sole remaining director, and the person so chosen shall be a director until the next election by the stockholders of the class for which such director shall have been chosen, and until his successor is elected and
qualified. 
  
 SECTION 3.    Regular meetings of the Board of Directors shall be
held at such place or places within or without the State of Delaware, at such hour and on such day as may be fixed by resolution of the Board of Directors, without further notice of such meetings. The time or place of holding regular meetings of the
Board of Directors may be changed by the Chairman of the Board or the President by giving written notice thereof as provided in Section 5 of this Article II. 
  
 SECTION 4.    Special meetings of the Board of Directors shall be held, whenever called by the Chairman of the Board, the President, or by a resolution of a majority
of the members of the Board of Directors that are then in office, at such place or places within or without the State of Delaware as may be stated in the notice of the meeting. 
  
 SECTION 5.    Notice of the time and place of all special meetings of the Board of Directors, and notice of any change in the time or
place of holding the regular meetings of the Board of Directors, shall be given to each director either personally or by mail, telephone, telegraph or facsimile, at least one day before the day of the meeting; provided, however, that notice of any
meeting need not be given to any director if such director signs a written waiver of such notice at any time, or if such director shall be present at such meeting. 
  
 SECTION 6.    A majority of the directors in office shall constitute a quorum of the Board of Directors for the transaction of business;
but a lesser number may adjourn from day to day until a quorum is present. Except as otherwise provided by law or in these Bylaws, all questions shall be decided by the vote of a majority of the directors present. 
  
 SECTION 7.    Any action which may be taken at a meeting of the directors or members of the Executive
Committee may be taken without a meeting if consent in writing setting forth the action so taken shall be signed by all the directors or members of the Executive Committee, as the case may be, and shall be filed with the Secretary of the
Corporation. 
  
 SECTION 8.    No currently sitting member of the
Board of Directors may stand for re-election, nor may any other individual stand for election or be appointed to the Board of Directors, if on the date of election or appointment, such individual has reached 71 years of age or older; provided,
however, that any properly elected or appointed member of the Board of Directors shall be entitled to serve out the full term to which he was elected or appointed, regardless of the age he reaches during the course of his term.

 

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 ARTICLE III 
  
 Executive Committee 
  
 The Board of
Directors may, by resolution adopted by a majority of the whole Board, designate three or more of its number to constitute an Executive Committee which committee, during intervals between meetings of the Board, shall have and exercise the authority
of the Board of Directors in the management of the business of the Corporation to the extent permitted by law, including without limitation the power and authority to declare dividends and authorize the issuance of capital stock. 

 
 ARTICLE IV 
  
 Officers 
  
 SECTION 1.    The officers of the Corporation
shall consist of a Chairman of the Board, Chief Executive Officer, President, Secretary, Treasurer and such Vice Presidents and other officers as may be elected or appointed by the Board of Directors. Any number of offices may be held by the same
person. All officers shall hold office until their successors are elected or appointed, except that the Board of Directors may remove any officer at any time at its discretion. 
  
 SECTION 2.    The officers of the Corporation shall have such powers and duties as generally pertain to their offices, except as modified
herein or by the Board of Directors, as well as such powers and duties as from time to time may be conferred by the Board of Directors. The Chairman of the Board shall be the chief executive officer of the Corporation and shall have general
supervision of the business, affairs and property of the Corporation and over its several officers, and shall preside at meetings of the Board and at meetings of the stockholders. The President shall be the chief operating officer of the Corporation
and shall have such other duties as may be assigned to him by the Board of Directors. 
  
 ARTICLE V 

 
 Seal 
  
 The seal of the Corporation shall be in such form as the Board of Directors shall prescribe. 
 

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 ARTICLE VI 
  
 Certificates of Stock 
  
 The shares of
the Corporation shall be represented by certificates of stock, signed by the President or such Vice President or other officer designated by the Board of Directors and countersigned by the Treasurer or the Secretary; and if such certificates of
stock are signed or countersigned by a transfer agent other than the Corporation, or, by a registrar other than the Corporation, such signature of the President, Vice President, or other officer and such countersignature of the Treasurer or
Secretary, or either of them, may be executed in facsimile, engraved or printed. In case any officer who has signed or whose facsimile signature has been placed upon any share certificate shall have ceased to be such officer because of death,
resignation or otherwise before the certificate is issued, it may be issued by the Corporation with the same effect as if the officer had not ceased to be such at the date of its issue. Said certificates of stock shall be in such form as the Board
of Directors may from time to time prescribe. 
  
 ARTICLE VII 
  

Indemnification 
  
 SECTION 1.  Right to Indemnification.     The Corporation shall indemnify and hold harmless, to the fullest extent permitted by applicable law as it presently exists or may
hereafter be amended, any person who was or is made or is threatened to be made a party or is otherwise involved in any action, suit or proceeding, whether civil, criminal, administrative or investigative (a “proceeding”) by reason of the
fact that he, or a person for whom he is the legal representative, is or was a director, officer, employee or agent of the Corporation or is or was serving at the request of the Corporation as a director, officer, employee, fiduciary or agent of
another corporation or of a partnership, joint venture, trust, enterprise or non-profit entity including service with respect to employee benefit plans, against all liability and loss suffered and expenses reasonably incurred by such person. The
Corporation shall indemnify a person in connection with a proceeding initiated by such person only if the proceeding was authorized by the Board of Directors of the Corporation. 
  
 SECTION 2.  Prepayment of Expenses.    The Corporation shall pay the expenses incurred in defending any proceeding in
advance of its final disposition, provided, however, that the payment of expenses incurred by a director or officer in his capacity as a director or officer (except with regard to service to an employee benefit plan or non-profit
organizations in advance of the final disposition of the proceeding) shall be made only upon receipt of an undertaking by the director or officer to repay all amounts advanced if it should be ultimately determined that the director or officer is not
entitled to be indemnified under this Article or otherwise. 
  
 SECTION
3.  Claims.    If a claim for indemnification or payment of expenses under this Article is not paid in full within ninety days after a written claim therefor has been 
 

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 received by the Corporation the claimant may file suit to recover the unpaid amount of such claim and,
if successful in whole or in part, shall be entitled to be paid the expense of prosecuting such claim. In any such action the Corporation shall have the burden of proving that the claimant was not entitled to the requested indemnification or payment
of expenses under applicable law. 
  
 SECTION 4.  Non-Exclusivity of
Rights.    The rights conferred on any person by this Article shall not be exclusive of any other rights which such person may have or hereafter acquire under any statute, provision of the Certificate of Incorporation, these
Bylaws, agreement, vote of stockholders or disinterested directors or otherwise. 
  
 SECTION
5.  Amendment or Repeal.    Any repeal or modification of the foregoing provisions of this Article VII shall not adversely affect any right or protection hereunder of any person in respect of any act or omission
occurring prior to the time of such repeal or modification. 
  
 ARTICLE VIII 
  
 Amendments 
  
 These Bylaws may be altered, amended, added to or repealed by the stockholders at any annual or special meeting, by the vote of the holders of shares of stock having a majority of the voting power of the then-outstanding shares of
Voting Stock (as defined in Section 7 of Article II), and, except as may be otherwise required by law, the power to alter, amend, add to or repeal these Bylaws is also vested in the Board of Directors, acting by a majority vote of the members of the
Board of Directors in office (subject always to the power of the stockholders to change such action); provided, however, that notice of the general nature of any such action proposed to be taken shall be included in the notice of the meeting of
stockholders or of the Board of Directors at which such action is taken. 
  
 Amended and restated in
full: 04/22/97 
 Article II amended by adding Section 8: 01/27/98 
 Amended and restated in full: 07/16/02 
 

 8<PAGE>
                                                                    EXHIBIT 10.3

                        CAPITAL ONE FINANCIAL CORPORATION

                 2002 NON-EXECUTIVE OFFICER STOCK INCENTIVE PLAN

                          (As Adopted January 17, 2002)

     1. Purpose. The purpose of this Capital One Financial Corporation 2002
Non-Executive Officer Stock Incentive Plan (as amended from time to time, the
"Plan") is to further the long term stability and financial success of Capital
One Financial Corporation (the "Company") by attracting and retaining employees
of the Company through the use of stock incentives. It is believed that
ownership of Company Stock will stimulate the efforts of those employees of the
Company upon whose judgment and interest the Company is and will be largely
dependent for the successful conduct of its business. It is also believed that
Awards granted to such employees under this Plan will strengthen their desire to
remain with the Company and will further the identification of those employees'
interests with those of the Company's shareholders. The Plan was adopted by the
Board of Directors on January 17, 2002.

     2. Definitions. As used in the Plan, the following terms have the meanings
indicated:

          (a) "Award" means, collectively, the award of an Option, Stock
     Appreciation Right, Restricted Stock or Incentive Stock under the Plan.

          (b) "Award Agreement" shall mean a written agreement or notice which
     shall contain such terms and conditions with respect to an Award as the
     Committee may determine, consistent with the Plan.

          (c) "Board" means the board of directors of the Company.

<PAGE>

          (d) "Change of Control" means:

               (i) The acquisition by an individual, entity or "group" (within
          the meaning of Section 13(d)(3) or 14(d)(2) of the Securities Exchange
          Act of 1934, as amended (the "Exchange Act")) of beneficial ownership
          (within the meaning of Rule 13d-3 promulgated under the Exchange Act)
          of 20% (or, if such shares are purchased from the Company, 40%) or
          more of either (A) the then outstanding shares of common stock of the
          Company (the "Outstanding Company Common Stock") or (B) the combined
          voting power of the then outstanding voting securities of the Company
          entitled to vote generally in the election of directors (the "Company
          Voting Securities"), provided, however, that any acquisition by (x)
          the Company or any of its Subsidiaries, or any employee benefit plan
          (or related trust) sponsored or maintained by the Company or any of
          its Subsidiaries or (y) any corporation with respect to which,
          immediately following such acquisition, more than 60% of,
          respectively, the then outstanding shares of common stock of such
          corporation and the combined voting power of the then outstanding
          voting securities of such corporation entitled to vote generally in
          the election of directors is then beneficially owned, directly or
          indirectly, by all or substantially all of the individuals and
          entities who were the beneficial owners, respectively, of the
          Outstanding Company Common Stock and Company Voting Securities
          immediately prior to such acquisition in substantially the same
          proportion as their ownership, immediately prior to such acquisition,
          of the Outstanding Company

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<PAGE>

          Common Stock and Company Voting Securities, as the case may be, shall
          not constitute a Change of Control; or

               (ii) Individuals who constitute the Board as of January 17, 2002
          (the "Incumbent Board") cease for any reason to constitute at least a
          majority of the Board, provided that any individual becoming a
          director subsequent to January 17, 2002 whose appointment to fill a
          vacancy or to fill a new Board position or whose nomination for
          election by the Company's shareholders was approved by a vote of at
          least a majority of the directors then comprising the Incumbent Board
          shall be considered as though such individual were a member of the
          Incumbent Board, but excluding, for this purpose, any such individual
          whose initial assumption of office is in connection with an actual or
          threatened election contest relating to the election of the Directors
          of the Company (as such terms are used in Rule 14a-11 of Regulation
          14A promulgated under the Exchange Act); or

               (iii) Approval by the shareholders of the Company of a
          reorganization, merger or consolidation (a "Business Combination"), in
          each case, with respect to which all or substantially all of the
          individuals and entities who were the respective beneficial owners of
          the Outstanding Company Common Stock and Company Voting Securities
          immediately prior to such Business Combination do not in the
          aggregate, immediately following such Business Combination,
          beneficially own, directly or indirectly, more than 60% of,
          respectively, the then outstanding shares of common stock and the
          combined voting power of the then outstanding voting securities
          entitled to vote generally in the election of directors,

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<PAGE>

          as the case may be, of the corporation resulting from such Business
          Combination in substantially the same proportion as their ownership
          immediately prior to such Business Combination of the Outstanding
          Company Common Stock and Company Voting Securities, as the case may
          be; or

               (iv) (A) a complete liquidation or dissolution of the Company or
          (B) sale or other disposition of all or substantially all of the
          assets of the Company other than to a corporation with respect to
          which, immediately following such sale or disposition, more than 60%
          of, respectively, the then outstanding shares of common stock and the
          combined voting power of the then outstanding voting securities
          entitled to vote generally in the election of directors is then
          beneficially owned, directly or indirectly, in the aggregate by all or
          substantially all of the individuals and entities who were the
          beneficial owners, respectively, of the Outstanding Company Common
          Stock and Company Voting Securities immediately prior to such sale or
          disposition in substantially the same proportion as their ownership of
          the Outstanding Company Common Stock and Company Voting Securities, as
          the case may be, immediately prior to such sale or disposition.

          (e) "Code" means the Internal Revenue Code of 1986, as amended.

          (f) "Company" means Capital One Financial Corporation, a Delaware
     corporation.

          (g) "Company Stock" means common stock of the Company, par value $.01.
     If the par value of the Company Stock is changed, or in the event of a
     change in the

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<PAGE>

     capital structure of the Company (as provided in Section 15), the shares
     resulting from such a change shall be deemed to be Company Stock within the
     meaning of the Plan.

          (h) "Date of Grant" means the date on which an Award is granted by the
     Committee or an officer designated by the Committee or such later date
     specified by the Committee or such officer as the date as of which the
     Award is to be effective.

          (i) "Disability" or "Disabled" and the existence thereof shall mean a
     termination of employment due to a permanent and total disability under the
     Company's Long Term Managed Income Protection program or any similar plan
     as in effect from time to time, or if no such plan is in effect, then as
     determined by the Committee (such determination to be conclusive).

          (j) "Executive Officers" shall mean those employees of the Company who
     are from time to time subject to Section 16(b) of the Securities Exchange
     Act of 1934, as amended.

          (k) "Fair Market Value" means, as of the date for which a value
     determination is being made, the average of the high and low price on such
     date as reported on The New York Stock Exchange-Composite Transactions Tape
     (or, if the New York Stock Exchange is not open for trading on such date,
     for the last preceding day on which Company Stock was traded). In the
     absence of any such sale, fair market value means the average of the
     highest bid and lowest asked prices of a share of Company Stock on such
     date as reported by such source. In the absence of such average or if
     shares of Company Stock are no longer traded on The New York Stock
     Exchange, the fair market value shall be determined by the Committee using
     any reasonable method in good faith.

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<PAGE>

          (l) "Incentive Stock" means Company Stock awarded when performance
     goals are achieved pursuant to an incentive plan as provided in Section 9.

          (m) "Non-Qualified Stock Option" shall mean an Option which does not
     qualify as an "incentive stock option " under Section 422 of the Code.

          (n) "Option" means a right to purchase Company Stock granted under the
     Plan, at a price determined in accordance with the Plan. Each Option shall
     be identified as a Non-Qualified Stock Option in the Award Agreement by
     which it is evidenced.

          (o) "Participant" means any employee who receives an Award under the
     Plan.

          (p) "Reload Feature" means a feature of an Option described in a
     Participant's Award Agreement that provides for the automatic grant of a
     Reload Option in accordance with the provisions described in Section 10(d).

          (q) "Reload Option" means an Option granted to a Participant equal to
     the number of shares of already owned Company Stock delivered by the
     Participant to exercise an Option described in Section 10(d).

          (r) "Restricted Stock" means Company Stock awarded upon the terms and
     subject to the restrictions set forth in Section 8.

          (s) "Restricted Stock Award" means an award of Restricted Stock
     granted under the Plan.

          (t) "Stock Appreciation Right" means a Stand-Alone Stock Appreciation
     Right or a Tandem Stock Appreciation Right. A "Tandem Stock Appreciation
     Right" means a right granted under Section 7 of the Plan to receive from
     the Company amounts in cash or shares of Company Stock upon the surrender
     of an Option. A "Stand-Alone

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<PAGE>

     Stock Appreciation Right" means a right granted under Section 7 of the Plan
     to receive from the Company amounts in cash or shares of Company Stock
     which are not related to any Option.

          (u) "Stock Option Committee" or "Committee" means the committee
     appointed by the Board as described under Section 16.

          (v) "Subsidiary" means, with respect to any corporation, a company
     controlled, directly or indirectly, by the Company.

     3. General. The following types of Awards may be granted under the Plan:
Options, Stock Appreciation Rights, Restricted Stock or Incentive Stock.

     4. Stock. Subject to Section 15 of the Plan, there shall be reserved for
issuance under the Plan an aggregate of 8,500,000 shares of Company Stock, which
shall be authorized, but unissued, shares of Common Stock. Shares subject to
Options or Stand-Alone Stock Appreciation Rights granted under the Plan that
expire or otherwise terminate unexercised and shares forfeited pursuant to
restrictions on Restricted Stock or Incentive Stock may again be subjected to an
Award under the Plan. The number of shares subject to a Stand-Alone Stock
Appreciation Right shall count against the aggregate number of shares which may
be issued under the Plan. The Committee is expressly authorized to make an Award
to a Participant conditioned upon the surrender for cancellation of an existing
Award. For purposes of determining the number of shares that are available for
Awards under the Plan, such number shall include the number of shares
surrendered by a Participant or retained by the Company in payment of (a) the
exercise price of an Option; or (b) statutory withholding upon exercise of an
Option, or the granting or vesting of a Restricted Stock or Incentive Stock
Award.

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<PAGE>

     5. Eligibility.

          (a) Other than Executive Officers, any employee of the Company (or any
     Subsidiary) who, in the judgment of the Committee, has contributed or can
     be expected to contribute to the profits or growth of the Company (or any
     Subsidiary) shall be eligible to receive Awards under the Plan. The
     Committee shall have the power and complete discretion, as provided in
     Section 16, to select eligible employees to receive Awards and to determine
     for each employee the terms and conditions, the nature of the Award and the
     number of shares to be allocated to each employee as part of each Award.

          (b) The grant of an Award shall not obligate the Company or any
     Subsidiary to pay a Participant any particular amount of remuneration, to
     continue the employment of the Participant after the grant or to make
     further grants to the Participant at any time thereafter. The Company
     expressly reserves the right at any time to dismiss a Participant free from
     any liability or any claim under the Plan except as expressly provided
     herein or in any Award Agreement or other agreement entered into with
     respect to an Award.

     6. Stock Options.

          (a) Whenever the Committee deems it appropriate to grant Options,
     notice shall be given to the eligible employee stating the number of shares
     for which Options are granted, the exercise price per share, the extent to
     which Tandem Stock Appreciation Rights are granted (as provided in Section
     7), and the conditions to which the grant and exercise of the Options are
     subject. This notice shall constitute the Award Agreement.

          (b) The exercise price per share of Company Stock covered by an Option
     shall be not less than 100% of the Fair Market Value of such share on the
     Date of Grant.

                                       8

<PAGE>

          (c) Options may be exercised in whole or in part at such times as may
     be specified by the Committee in the Participant's Award Agreement.

          (d) The Committee may, in its discretion, grant Options that by their
     terms become fully exercisable upon a Change of Control, notwithstanding
     other conditions on exercisability in the Award Agreement.

          (e) The Committee may, in its discretion, grant Options containing, or
     amend Options previously granted to provide for, a Reload Feature subject
     to the limitations of Section 10(d).

     7. Stock Appreciation Rights.

          (a) Tandem Stock Appreciation Rights. At the discretion of the
     Committee, Tandem Stock Appreciation Rights may be granted in connection
     with all or any part of an Option, either concurrently with the grant of
     the Option or at any time thereafter during the term of the Option. The
     following provisions apply to all Tandem Stock Appreciation Rights that are
     granted in connection with Options:

               (i) Tandem Stock Appreciation Rights shall entitle the
          Participant, upon exercise of all or any part of the Tandem Stock
          Appreciation Rights, to surrender to the Company unexercised that
          portion of the underlying Option relating to the same number of shares
          of Company Stock as is covered by the Tandem Stock Appreciation Rights
          (or the portion of the Tandem Stock Appreciation Rights so exercised)
          and to receive in exchange from the Company an amount in cash or
          shares of Company Stock (as provided in the Tandem Stock Appreciation
          Right) equal to the excess of (x) the Fair Market Value on the date

                                       9

<PAGE>

          of exercise of the Company Stock covered by the surrendered portion of
          the underlying Option over (y) the exercise price of the Company Stock
          covered by the surrendered portion of the underlying Option. The
          Committee may limit the amount that the Participant will be entitled
          to receive upon exercise of the Tandem Stock Appreciation Right.

               (ii) Upon the exercise of a Tandem Stock Appreciation Right and
          surrender of the related portion of the underlying Option, the Option,
          to the extent surrendered, shall not thereafter be exercisable.

               (iii) Subject to any further conditions upon exercise imposed by
          the Committee, a Tandem Stock Appreciation Right shall be exercisable
          only to the extent that the related Option is exercisable and shall
          expire no later than the date on which the related Option expires.

               (iv) A Tandem Stock Appreciation Right may only be exercised at a
          time when the Fair Market Value of the Company Stock covered by the
          Tandem Stock Appreciation Right exceeds the exercise price of the
          Company Stock covered by the underlying Option.

          (b) Stand-Alone Stock Appreciation Rights. Whenever the Committee
     deems it appropriate to grant Stand-Alone Stock Appreciation Rights, notice
     shall be given to the eligible employee stating the number of shares for
     which Stand-Alone Stock Appreciation Rights are granted, the exercise price
     per share, and the conditions to which the grant and exercise of the
     Stand-Alone Stock Appreciation Rights are subject. This notice shall
     constitute the Award

                                       10

<PAGE>

     Agreement for the Stand-Alone Stock Appreciation Right. The following
     provisions apply to all Stand-Alone Stock Appreciation Rights that are
     granted under the Plan:

               (i) The exercise price per share of Company Stock covered by a
          Stand-Alone Stock Appreciation Right shall be not less than 100% of
          the Fair Market Value of such share on the Date of Grant.

               (ii) A Stand-Alone Stock Appreciation Right shall entitle the
          Participant, upon exercise of the Stand-Alone Stock Appreciation Right
          with respect to any number of shares of Company Stock, to receive from
          the Company an amount in cash or shares of Company Stock (as provided
          in the Stand-Alone Stock Appreciation Right) for each such share equal
          to the excess of (x) the Fair Market Value on the date of exercise of
          a share of Company Stock over (y) the exercise price per share of the
          Stand-Alone Stock Appreciation Right. The Committee may limit the
          amount that the Participant will be entitled to receive upon exercise
          of the Stand-Alone Stock Appreciation Right.

               (iii) Stand-Alone Stock Appreciation Rights may be exercised in
          whole or in part at such times as may be specified by the Committee in
          the Participant's Award Agreement.

               (iv) The Committee may, in its discretion, grant Stand-Alone
          Stock Appreciation Rights that by their terms become fully exercisable
          upon a Change of Control, notwithstanding other conditions on
          exercisability in the Award Agreement.

                                       11

<PAGE>

               (v) A Stand-Alone Stock Appreciation Right may only be exercised
          at a time when the Fair Market Value of the Company Stock covered by
          the Stand-Alone Stock Appreciation Right exceeds the exercise price of
          the Stand-Alone Stock Appreciation Right.

          (c) General Provisions. The manner in which the Company's obligation
     arising upon the exercise of a Stock Appreciation Right shall be paid shall
     be determined by the Committee and shall be set forth in the Participant's
     Award Agreement. The Committee may provide for payment in Company Stock or
     cash, or a fixed combination of Company Stock or cash, or the Committee may
     reserve the right to determine the manner of payment at the time the Stock
     Appreciation Right is exercised. Shares of Company Stock issued upon the
     exercise of a Stock Appreciation Right shall be valued at their Fair Market
     Value on the date of exercise.

     8. Restricted Stock Awards.

          (a) Whenever the Committee deems it appropriate to grant a Restricted
     Stock Award, notice shall be given to the Participant stating the number of
     shares of Restricted Stock for which the Restricted Stock Award is granted
     and the terms and conditions to which the Restricted Stock Award is
     subject. This notice, when accepted by the Participant, shall become the
     Award Agreement and certificates representing the shares shall be issued
     and delivered to the Participant, or electronic transfer of the shares
     shall be made to an account established for the benefit of the Participant,
     which may be in the Company's name. A Restricted Stock Award may be made by
     the Committee in its discretion without cash consideration.

          (b) Restricted Stock issued pursuant to the Plan shall be subject to
     the following restrictions:

                                       12

<PAGE>

               (i) Unless otherwise provided by the Committee, Restricted Stock
          may not be sold, assigned, transferred or disposed of within a
          six-month period beginning on the Date of Grant.

               (ii) None of such shares may be sold, assigned, transferred,
          pledged, hypothecated, or otherwise encumbered or disposed of until
          the restrictions on such shares shall have lapsed or shall have been
          removed pursuant to paragraph (d) or (e) below.

               (iii) If a Participant ceases to be employed by the Company or
          Subsidiary, the Participant shall forfeit to the Company any shares of
          Restricted Stock, the restrictions on which shall not have lapsed or
          shall not have been removed pursuant to paragraph (d) or (e) below, on
          the date such Participant ceases to be so employed, unless otherwise
          provided in the Participant's Award Agreement.

          (c) Upon the acceptance by a Participant of a Restricted Stock Award,
     such Participant shall, subject to the restrictions set forth in paragraph
     (b) above, have all the rights of a shareholder with respect to the shares
     of Restricted Stock subject to such Restricted Stock Award, including, but
     not limited to, the right to vote such shares of Restricted Stock and the
     right to receive all dividends and other distributions paid thereon.
     Certificates representing Restricted Stock shall bear a legend referring to
     the restrictions set forth in the Plan and the Participant's Award
     Agreement.

          (d) The Committee shall establish as to each Restricted Stock Award
     the terms and conditions upon which the restrictions set forth in paragraph
     (b) above shall lapse.

                                       13

<PAGE>

     Such terms and conditions may include, without limitation, the passage of
     time, the meeting of performance goals, the lapsing of such restrictions as
     a result of the Disability, death or retirement of the Participant, or the
     occurrence of a Change of Control.

          (e) Notwithstanding the forfeiture provisions of paragraph (b)(iii)
     above, the Committee may at any time, in its sole discretion, accelerate
     the time at which any or all restrictions will lapse or remove any and all
     such restrictions.

          (f) Each Participant shall agree at the time his Restricted Stock
     Award is granted, and as a condition thereof, to pay to the Company, or
     make arrangements satisfactory to the Company regarding the payment to the
     Company of, the aggregate amount of any Federal, state or local taxes of
     any kind required by law to be withheld with respect to the shares of
     Restricted Stock subject to the Restricted Stock Award. Until such amount
     has been paid or arrangements satisfactory to the Company have been made,
     no stock certificate free of a legend reflecting the restrictions set forth
     in paragraph (b) above shall be issued to such Participant.

          (g) The Company may place on any certificate representing Company
     Stock issued in connection with a Restricted Stock Award any legend deemed
     desirable by the Company's counsel to comply with Federal, state, or other
     applicable securities laws, and the Company may require a customary written
     indication of the Participant's investment intent.

          (h) To the extent that the foregoing provisions of this Section 8
     relate to the issuance and delivery of physical certificates representing
     Restricted Stock, with or without the legends referenced above, such
     provisions shall permit and apply equally to any electronic account entry
     representing shares of Restricted Stock, as such may be coded to reflect
     the content of such legends that would otherwise appear on such physical
     certificates.

                                       14

<PAGE>

     9. Incentive Stock Awards.

          (a) Incentive Stock may be issued pursuant to the Plan in connection
     with incentive programs established from time to time by the Committee when
     performance criteria established by the Committee as part of the incentive
     program have been achieved. If the objectives established by the Committee
     as a prerequisite to the receipt of Incentive Stock have not been achieved,
     no stock will be issued, except as provided in (c). A Participant eligible
     for the receipt or issuance of incentive shares will have no rights as a
     stockholder before actual receipt of the Incentive Stock.

          (b) Whenever the Committee deems it appropriate, the Committee may
     establish an incentive program and notify Participants of their
     participation in and the terms of the incentive program. More than one
     incentive program may be established by the Committee and they may operate
     concurrently or for varied periods of time and a Participant may be
     permitted to participate in more than one incentive program at the same
     time. Incentive Stock will be issued only subject to the incentive program
     and the Plan and consistent with meeting the performance goals set by the
     Committee. Incentive Stock may be issued without cash consideration.

          (c) The Committee may provide in the incentive program, or
     subsequently, that Incentive Stock will be issued if a Change of Control
     occurs even though the performance goals set by the Committee have not been
     met.

          (d) A Participant's interest in an incentive program may not be sold,
     assigned, transferred, pledged, hypothecated, or otherwise encumbered. In
     the event of any purported

                                       15

<PAGE>

     transfer in violation of the Plan, such purported transfer to the extent
     permitted by applicable law shall be void and of no effect.

          (e) Each Participant shall agree as a condition of his participation
     in an incentive program and the receipt of Incentive Stock, to pay to the
     Company, or make arrangements satisfactory to the Company regarding the
     payment to the Company of, the aggregate amount of any Federal, state or
     local taxes of any kind required by law to be withheld with respect to the
     shares of Incentive Stock received. Until such amount has been paid or
     arrangements satisfactory to the Company have been made, no stock
     certificate free of a legend reflecting the restrictions set forth in
     paragraph (b) above shall be issued to such Participant.

          (f) The Company may place on any certificate representing Company
     Stock issued in connection with an Incentive Stock Award any legend deemed
     desirable by the Company's counsel to comply with Federal, state, or other
     applicable securities laws, and the Company may require a customary written
     indication of the Participant's investment intent.

          (g) To the extent that the foregoing provisions of this Section 9
     relate to the issuance and delivery of physical certificates representing
     Incentive Stock Awards, with or without the legends referenced above, such
     provisions shall permit and apply equally to any electronic account entry
     representing shares of Incentive Stock Awards, as such may be coded to
     reflect the content of such legends that would otherwise appear on such
     physical certificates.

     10. Method of Exercise of Options and Stock Appreciation Rights.

          (a) Options and Stock Appreciation Rights may be exercised by the
     Participant delivering written notice of the exercise to the Company,
     signed by the Participant, no less than two Business Days in advance of the
     effective date of the proposed exercise, stating

                                       16

<PAGE>

     (i) the number of shares the Participant has elected to purchase under the
     Option, (ii) the number of shares with respect to which such Participant
     has elected to exercise the Stand-Alone Stock Appreciation Right or the
     number of Tandem Stock Appreciation Rights such Participant has elected to
     exercise, and (iii) the effective date of the proposed exercise. In the
     case of the purchase of shares under an Option, such notice shall be
     effective only if accompanied by the exercise price in full in cash;
     provided that if the terms of an Option so permit, the employee may (i)
     deliver Company Stock that the Participant has owned for at least six (6)
     months (valued at Fair Market Value on the date of exercise) in
     satisfaction of all or any part of the exercise price, (ii) deliver a
     properly executed exercise notice together with irrevocable instructions to
     a broker to promptly deliver to the Company the amount of the sale or loan
     proceeds to pay the exercise price, or (iii) deliver an interest bearing
     promissory note, payable to the Company, in payment of all or part of the
     exercise price together with such collateral as may be required by the
     Committee at the time of exercise. The interest rate under any such
     promissory note shall be equal to the minimum interest rate required at the
     time to avoid imputed interest to the Participant under the Code.

          (b) Options and Stock Appreciation Rights may also be exercised by the
     Participant in accordance with any other method or methods of exercise as
     may be approved from time to time by the Committee.

          (c) The Company may place on any certificate representing Company
     Stock issued upon the exercise of an Option or Stock Appreciation Right any
     legend deemed desirable by the Company's counsel to comply with Federal or
     state securities laws, and the Company may require of the Participant a
     customary written indication of his investment intent. Until the

                                       17

<PAGE>

     Participant has made any required payment, including any applicable
     Federal, state and local withholding taxes, and has had issued to him a
     certificate or electronic account entry for the shares of Company Stock
     acquired, he shall possess no shareholder rights with respect to the
     shares.

          (d) If a Participant exercises an Option that has a Reload Feature by
     delivering already owned shares of Company Stock, the Participant shall
     automatically be granted a Reload Option. The Reload Option shall be
     subject to the following provisions:

               (i) The Reload Option shall cover the number of shares of Company
          Stock delivered by the Participant to the Company to exercise the
          Option with the Reload Feature.

               (ii) The Reload Option will not have a Reload Feature.

               (iii) The exercise price per share of Company Stock covered by a
          Reload Option shall be 100% of the Fair Market Value of such share on
          the date the Participant delivers shares of Company Stock to the
          Company to exercise the Option that has a Reload Feature.

               (iv) The Reload Option shall be subject to the same restrictions
          on exercisability as those imposed on the underlying Option
          (possessing the Reload Feature).

               (v) The Reload Option shall not be exercisable until the
          expiration of any retention holding period imposed on the disposition
          of any shares of Company Stock covered by the underlying Option
          (possessing the Reload Feature).

                                       18

<PAGE>

The Committee may, in its discretion, cause the Company to place on any
certificate or electronic account entry representing Company Stock issued to a
Participant upon the exercise of an underlying Option (possessing a Reload
Feature as evidenced by the Award Agreement for such Option) delivered pursuant
to this subsection (d), a legend or electronic code restricting the sale or
other disposition of such Company Stock.

     11. Applicable Withholding Taxes. As an alternative to making a cash
payment to the Company to satisfy tax withholding obligations, the Committee may
establish procedures permitting the Participant to elect to (a) deliver shares
of already owned Company Stock or (b) have the Company retain that number of
shares of Company Stock that would satisfy all or a specified portion of the
Federal, state and local tax liabilities of the Participant arising in the year
the Award becomes subject to tax. Any such election shall be made only in
accordance with procedures established by the Committee.

     12. Transferability of Awards and Options. Unless otherwise provided by the
Committee, Awards, by their terms, shall not be transferable by the Participant
except by will or by the laws of descent and distribution and shall be
exercisable, during the Participant's lifetime, only by the Participant or by
his guardian or legal representative. In the event of any purported transfer of
an Award in violation of the provisions of the Plan, such purported transfer, to
the extent permitted by applicable law, shall be void. The Committee is
expressly authorized, in its discretion, to provide that all or a portion of an
Option or Stock Appreciation Right may be granted to a Participant upon terms
that permit transfer of the Option or Stock Appreciation Right in a form and
manner determined by the Committee.

                                       19

<PAGE>

     13. Effective Date of the Plan. This Plan having been adopted by the
Company's Board shall be effective on January 17, 2002. Until the requirements
of any applicable federal and state securities laws have been met, no Option or
Stock Appreciation Right shall be exercisable and no award of Restricted Stock
or Incentive Stock shall be made.

     14. Termination, Modification, Change. If not sooner terminated by the
Board, no Awards shall be made under the Plan after the close of business on
January 16, 2012. The Board may terminate the Plan or may amend the Plan or an
Award in such respects as it shall deem advisable at any time; provided, that a
termination or amendment of the Plan or an amendment of an Award shall not,
without the consent of the Participant, detrimentally affect a Participant's
rights under an Award previously granted to him, except such termination or
amendment as the Board deems appropriate to ensure compliance with applicable
law, including the Code. The terms set forth in any amended Award shall comply
with applicable law and be consistent with the terms of the Plan. The Board or
the Committee may terminate any Award previously granted to a Participant and
any agreement relating thereto in whole or in part without a Participant's
consent; provided that upon any such termination the Company in full
consideration of the termination of such Award (whether or not exercisable) or
portion thereof pays to such Participant an amount in cash for each share of
Company Stock subject to such Award or portion thereof being terminated equal to
the excess, if any, of (a) the Fair Market Value of a share of Company Stock
over (b) the sum of (i) the exercise price per share of such Award (if any) and
(ii) applicable withholding taxes and other similar charges, or; if the Board or
the Committee permits and the Participant elects, accelerate the exercisability
of such Participant's Award or

                                       20

<PAGE>

portion thereof (if necessary) and allow such Participant 30 days to exercise
such Award or portion thereof before the termination of such Award or portion
thereof.

     15. Change in Capital Structure.

          (a) In the event of a stock dividend, stock split or combination of
     shares, spin-off, recapitalization or merger in which the Company is the
     surviving corporation, a consolidation or a merger in which the Company is
     not the surviving corporation, a transaction that results in the
     acquisition of substantially all of the Company's outstanding stock by a
     single person or entity, or a sale or transfer of substantially all of the
     Company's assets, or other change in the Company's capital stock
     (including, but not limited to, the creation or issuance to shareholders
     generally of rights, options or warrants for the purchase of common stock
     or preferred stock of the Company), the Committee (whose determination
     shall be binding on all persons) may take such actions with respect to the
     Plan and any outstanding Awards as the Committee deems appropriate,
     including adjusting appropriately the number and kind of shares of stock or
     securities of the Company to be subject to the Plan and to Awards then
     outstanding or to be granted under the Plan, the maximum number of shares
     or securities which may be delivered under the Plan, the exercise price and
     any other relevant provisions. If the adjustment would produce fractional
     shares with respect to any unexercised Award, the Committee may adjust
     appropriately the number of shares covered by the Award so as to eliminate
     the fractional shares.

          (b) Notwithstanding anything in the Plan to the contrary, the
     Committee may take the foregoing actions without the consent of any
     Participant, and the Committee's determination shall be conclusive and
     binding on all persons for all purposes.

                                       21

<PAGE>

     16. Administration of the Plan. The Plan shall be administered by a
Committee consisting solely of two or more nonemployee directors of the Company,
who shall be appointed by the Board. The Committee shall have general authority
to impose any limitation or condition upon an Award the Committee deems
appropriate to achieve the objectives of the Award and the Plan and, in
addition, and without limitation and in addition to powers set forth elsewhere
in the Plan, shall have the following specific authority:

          (a) The Committee shall have the power and complete discretion to
     determine (i) which eligible employees shall receive an Award and the
     nature of the Award, (ii) the number of shares of Company Stock to be
     covered by each Award, (iii) when, whether and to what extent Tandem Stock
     Appreciation Rights shall be granted in connection with Options, (iv)
     whether to include a Reload Feature in an Option and to impose limitations
     on the use of shares acquired through the exercise of a Reload Option to
     exercise Options, (iv) the fair market value of Company Stock, (v) the time
     or times when an Award shall be granted, (vi) whether an Award shall become
     vested over a period of time and when it shall be fully vested, (viii)
     conditions relating to the length of time before disposition of Company
     Stock received in connection with an Award is permitted, (ix) the terms and
     conditions on which restrictions upon Restricted Stock shall lapse, (x)
     whether to accelerate the time of receipt of Incentive Stock or the time
     when any or all restrictions with respect to Restricted Stock will lapse or
     be removed, (viii) the terms of incentive programs, performance criteria
     and other factors relevant to the issuance of Incentive Stock or the lapse
     of restrictions on Restricted Stock, (viiii) when Options and Stock
     Appreciation Rights may be exercised, (ixi) whether a Disability exists,
     (xiv) the manner

                                       22

<PAGE>

     in which payment will be made upon the exercise of Options or Stock
     Appreciation Rights, (xv) whether to approve a Participant's election (a)
     to deliver shares of already owned Company Stock to satisfy tax liabilities
     arising upon the exercise of an Option or Stock Appreciation Right or (b)
     to have the Company withhold from the shares to be issued upon the exercise
     or receipt of an Award that number of shares necessary to satisfy tax
     liabilities arising from such exercise or receipt, (xvi) notice provisions
     relating to the sale of Company Stock acquired under the Plan, and (xvii)
     any additional requirements relating to Awards that the Committee deems
     appropriate.

          (b) The Committee may adopt rules and regulations for carrying out the
     Plan. The interpretation and construction of any provision of the Plan by
     the Committee shall be final and conclusive. The Committee may consult with
     counsel, who may be counsel to the Company, and shall not incur any
     liability for any action taken in good faith in reliance upon the advice of
     counsel.

          (c) A majority of the members of the Committee shall constitute a
     quorum, and all actions of the Committee shall be taken by a majority of
     the members present. Any action may be taken by a written instrument signed
     by all of the members, and any action so taken shall be fully effective as
     if it had been taken at a meeting.

          (d) The Board of Directors from time to time may appoint members
     previously appointed and may fill vacancies, however caused, in the
     Committee.

          (e) The Committee or the Board may, at any time and from time to time,
     delegate all or any portion of the authority granted to it pursuant to
     Section 16(a) to one

                                      23

<PAGE>

     or more officers of the Corporation upon such terms as the Committee shall
     set forth in such delegation.

          (f) No member of the Committee or the Board shall be liable for any
     action, omission, or determination relating to the Plan, and the Company
     shall indemnify and hold harmless each member of the Committee and each
     other director, employee or consultant of the Company to whom any duty or
     power relating to the administration or interpretation of the Plan has been
     delegated against any cost or expense (including counsel fees) or liability
     arising out of any action, omission or determination relating to the Plan,
     to the maximum extent permitted by law.

     17. Notice. All notices and other communications required or permitted to
be given under this Plan shall be in writing and shall be deemed to have been
duly given if delivered as follows: (a) if to the Company - delivery shall be
made personally or by first class mail, postage prepaid at its principal
business address to the attention of the Company's Executive Vice President of
Human Resources; and (b) if to any Participant - personally, including by
delivery through the Company's internal electronic system with a return receipt
requested or interoffice mail system, or by first class mail, postage prepaid,
at the last known address of the Participant known to the sender at the time the
notice or other communication is sent.

     18. Foreign Equity Incentive Plans. The Committee may authorize any foreign
Subsidiary or any foreign unincorporated division of the Company or of a
Subsidiary to adopt a plan for granting Awards (a "Foreign Equity Incentive
Plan"). All Awards granted under a Foreign Equity Incentive Plan shall be
treated as grants under this Plan. A Foreign Equity Incentive Plan shall have
such terms as the Committee permits; provided that such terms are not

                                       24

<PAGE>

inconsistent with the provisions of this Plan; and provided further that such
terms may be more restrictive than those in this Plan. Awards granted under a
Foreign Equity Incentive Plan shall be governed by the terms of this Plan except
to the extent that the terms of the Foreign Equity Incentive Plan are more
restrictive than the terms of this Plan, in which case such terms of the Foreign
Equity Incentive Plan shall control.

     19. Substitute Award. The Committee may make a grant of an Award to an
employee of another corporation who becomes an employee of the Company or a
Subsidiary by reason of a corporate merger, consolidation, acquisition of stock
or property, reorganization, liquidation or similar transaction involving the
Company or a Subsidiary in substitution for any award made by such corporation.
The terms and conditions of the substitute Award may vary from the terms and
conditions required by the Plan and from those of the substituted award. The
Committee shall prescribe the provisions of the substitute Award.

     20. Governing Law. The Plan shall be governed by, and interpreted in
accordance with, the law of the Commonwealth of Virginia, without regard to the
provisions governing conflicts of law.

     21. Participants as Unsecured Creditors. The Committee shall not be
required to establish any separate or special fund or make any other segregation
of assets to assure the payments of amounts under the Plan, and rights to
payment with respect to Awards hereunder shall be no greater than those of the
Company's unsecured general creditors otherwise the Committee, in its sole
discretion, provides otherwise.

                                       25

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