Document:

Exhibit 4.1

VITASTI,
INC.

SECOND
AMENDED 2004 STOCK INCENTIVE PLAN

1.    Purpose
of the Plan. The
purpose of the Second Amended 2004 Stock Incentive Plan (“Plan”) of VITASTI,
INC., a Delaware corporation, (“Company”) is to provide the Company with a means
of compensating selected key employees (including officers) and directors of and
consultants to the Company for their services rendered in connection with the
development of the Company with shares of Common Stock of the
Company.

2.    Administration
of the Plan. The Plan
shall be administered by the Company’s Board of Directors (the
“Board”).

2.1    Award
or Sales of shares. The
Company’s Board shall (a) select those key employees (including officers),
directors and consultants to whom shares of the Company’s Common Stock shall be
awarded or sold, and (b) determine the number of shares to be awarded or sold;
the time or times at which shares shall be awarded or sold; whether the shares
to be awarded or sold will be registered with the Securities and Exchange
Commission; and such conditions, rights of repurchase, rights of first refusal
or other transfer restrictions as the Board may determine. Each award or sale of
shares under the Plan may or may not be evidenced by a written agreement between
the Company and the persons to whom shares of the Company’s Common Stock are
awarded or sold. 

2.2    Consideration
for Shares. Shares
of the Company’s Common Stock to be awarded or sold under the Plan shall be
issued for such consideration, having a value not less than par value thereof,
as shall be determined from time to time by the Board in its sole
discretion.

2.3    Board
Procedures. The
Board from time to time may adopt such rules and regulations for carrying out
the purposes of the Plan as it may deem proper and in the best interests of the
Company. The Board shall keep minutes of its meetings and records of its
actions. A majority of the members of the Board shall constitute a quorum for
the transaction of any business by the Board. The Board may act at any time by
an affirmative vote of a majority of those members voting. Such vote shall be
taken at a meeting (which may be conducted in person or by any telecommunication
medium) or by written consent of Board members without a meeting.

2.4    Finality
of Board Action. The
Board shall resolve all questions arising under the Plan. Each determination,
interpretation, or other action made or taken by the Board shall be final and
conclusive and binding on all persons, including, without limitation, the
Company, its stockholders, the Board and each of the members of the Board.

2.5    Non-Liability
of Board Members. No
Board member shall be liable for any action or determination made by him in good
faith with respect to the Plan or any shares of the Company’s Common Stock sold
or awarded under it.

2.6    Board
Power to Amend, Suspend, or Terminate the Plan. The
Board may, from time to time, make such changes in or additions to the Plan as
it may deem proper and in the best interests of the Company and its
Stockholders. The Board may also suspend or terminate the Plan at any time,
without notice, and in its sole discretion.

3.    Shares
Subject to the Plan. For
purposes of the Plan, the Board of Directors is authorized to sell or award an
additional 10,000,000 shares and/or options of the Company’s Common Stock, no
par value per share (“Common Stock”), and exclusive of any shares that the
Company is authorized to issue under the original Stock Option Plan and any
other amendments thereto.

3.1    Grants
of Stock Options. Stock
Options granted under the Plan shall constitute "incentive stock options" within
the meaning of Section 422 of the Code, if so designated by the Board on the
date of grant. The Board shall also have the discretion to grant Stock Options
which do not constitute incentive stock options, and any such Stock Options
shall be designated non-statutory stock options by the Board on the date of
grant. The aggregate fair market value (determined as of the time an incentive
stock option is granted) of the Common Stock with respect to which incentive
stock options are exercisable for the first time by any Employee during any one
calendar year (under all plans of the Company and any parent or subsidiary of
the Company) may not exceed the maximum amount permitted under Section 422 of
the Code (currently one hundred thousand dollars ($100,000.00)). Non-Statutory
Stock Options (“NSO”) shall not be subject to the limitations relating to
incentive stock options contained in the preceding sentence. Each Stock Option
shall be evidenced by a written agreement (the "Option Agreement") in a form
approved by the Board, which shall be executed on behalf of the Company and by
the Employee to whom the Stock Option is granted, and which shall be subject to
the terms and conditions of this Plan. The holder of a Stock Option shall not be
entitled to the privileges of stock ownership as to any shares of Common Stock
not actually issued to such holder.

3.2    Assignability. Options
granted under this Plan may be, if designated as such, assigned to third
parties.

3.3    Restrictions
on Transfer. Each
Stock Option granted under this Plan shall be transferable only by will or the
laws of descent and distribution. No interest of any Employee under the Plan
shall be subject to attachment, execution, garnishment, sequestration, the laws
of bankruptcy or any other legal or equitable process. Each Stock Option granted
under this Plan shall be exercisable during an Employee's lifetime only by such
Employee or by such Employee's legal representative.

4.    Participants. All key
employees (including officers) and directors of and consultants to the Company
and any of its subsidiaries (sometimes referred to herein as (“participants”)
are eligible to participate in the Plan. A copy of this Plan shall be delivered
to all participants, together with a copy of any Board resolutions authorizing
the issuance of the shares and establishing the terms and conditions, if any,
relating to the sale or award of such shares.

4.1    Misconduct
of an Employee.
Notwithstanding any other provision of this Plan, if an Employee commits fraud
or dishonesty toward the Company or wrongfully uses or discloses any trade
secret, confidential data or other information proprietary to the Company, or
intentionally takes any other action materially inimically to the best interests
of the Company, as determined by the Committee, in its sole and absolute
discretion, such Employee shall forfeit all rights and benefits under this
Plan.

2

5.    Rights
and Obligations of Participants. The
award or sale of shares of Common stock shall be conditioned upon the
participant providing to the Board a written representation that, at the time of
such award or sale, it is the intent of such person(s) to acquire the shares for
investment only and not with a view toward distribution. The certificate for
unregistered shares issued for investment shall be restricted by the Company as
to transfer unless the Company receives an opinion of counsel satisfactory to
the Company to the effect that such restriction is not necessary under the
pertaining law. The providing of such representation and such restriction on
transfer shall not, however, be required upon any person’s receipt of shares of
Common Stock under the Plan in the event that, at the time of award or sale, the
shares shall be (i) covered by an effective and current registration statement
under the Securities Act of 1933, as amended, and (ii) either qualified or
exempt from qualification under applicable state securities laws. The Company
shall, however, under no circumstances be required to sell or issue any shares
under the Plan if, in the opinion of the Board, (i) the issuance of such shares
would constitute a violation by the participant or the Company of any applicable
law or regulation of any governmental authority, or (ii) the consent or approval
of any governmental body is necessary or desirable as a condition of, or in
connection with, the issuance of such shares. 

6.    Payment
of Shares.

(a)    The
entire purchase price of shares issued under the Plan shall be payable in lawful
money of the United States of America at the time when such shares are
purchased.

7.    Adjustments. If the
outstanding Common Stock shall be hereafter increased or decreased, or changed
into or exchanged for a different number or kind of shares or other securities
of the Company or of another corporation, by reason of a recapitalization,
reclassification, reorganization, merger, consolidation, share exchange, or
other business combination in which the Company is the surviving parent
corporation, stock split-up, combination of shares, or dividend or other
distribution payable in capital stock or rights to acquire capital stock,
appropriate adjustment shall be made by the Board in the number and kind of
shares which may be granted under the Plan.

8.    Tax
Withholding. As a
condition to the purchase or award of shares, the participant shall make such
arrangements as the Board may require for the satisfaction of any federal,
state, local or foreign withholding tax obligations that may arise in connection
with such purchase or award.

9.    Terms
of the Plan.

9.1    Effective
Date. This
Plan, as amended, shall become effective on December 10, 2004.

9.2    Termination
Date. The
Plan shall terminate at Midnight on December 31, 2013, and no shares shall be
awarded or sold after that time. The Plan may be suspended or terminated at any
earlier time by the Board within the limitations set forth in Section
2.6.

10.    Non-Exclusivity
of the Plan. Nothing
contained in the Plan is intended to amend, modify, or rescind any previously
approved compensation plans, programs or options entered into by the Company.
This Plan shall be construed to be in addition to and independent of any and all
such other arrangements. The adoption of the Plan by the Board shall not be
construed as creating any limitations on the power of authority of the Board to
adopt, with or without stockholder approval, such additional or other
compensation arrangements as the Board may from time to time deem
desirable.

3

11.    Compliance
With Rule 16b-3.
Transactions under the Plan are intended to comply with all applicable
conditions of Rule 16b-3. To the extent that any provision of the Plan or action
by the Committee fails to so comply, it shall be deemed null and void, to the
extent permitted by law and deemed advisable by the Committee.

12.    Governing
Law. The
Plan and all rights and obligations under it shall be construed and enforced in
accordance with the laws of Delaware.

 

4Exhibit 10.1

                   STOCK RETAINER PLAN FOR ELIGIBLE DIRECTORS
                          OF TOMPKINS TRUSTCO, INC. AND
                           PARTICIPATING SUBSIDIARIES
  (formerly known as the "1996 Stock Retainer Plan for Non-Employee Directors")

1.       Introduction. This Stock Retainer Plan for Eligible Directors of
Tompkins Trustco, Inc. and Participating Subsidiaries (the "Plan") of Tompkins
Trustco, Inc. (the "Company") provides that:

         (a)  all retainer, meeting, chairman and/or committee fees
              (collectively, "Board/Committee Fees") payable to Eligible
              Directors for their respective services as either (i) a member of
              the Board of Directors of the Company or any committee thereof or
              (ii) a member of the Board of Directors of any Participating
              Subsidiary (as herein defined) or any committee thereof shall be
              paid, as determined and identified by and to the extent set forth
              in resolutions of the Board of Directors of the Company or the
              Participating Subsidiary and as instructed by Section 5 of this
              Plan, in shares of common stock, par value $0.10 per share, of the
              Company; and

         (b)  receipt of payment by Eligible Directors of Board/Committee Fees
              as provided in this Plan shall be deferred automatically pursuant
              to the terms of this Plan.

         This Plan is an amendment to and restatement of the Company's 1996
Stock Retainer Plan for Non-Employee Directors, as amended.

2.       Purpose. The purpose of this Plan is to advance the interests of the
Company and its Subsidiaries by enhancing the ability of the Company and
Participating Subsidiaries to attract and retain directors who are in a position
to make significant contributions to the success of the Company and/or its
Participating Subsidiaries and to reward such directors for their contributions
through compensation which aligns their interests with those of the Company's
stockholders.

3.       Definitions. Capitalized terms used in this Plan without other
definition shall, unless expressly stated otherwise, have the following
meanings:

         (a)      "Business Day" means any day except a Saturday, Sunday or
other day on which commercial banks in New York, New York are authorized or
required by law to close.

         (b)      "Direct Stock Purchase Plan" means the Dividend Reinvestment
and Stock Purchase and Sale Plan sponsored by the Company and administered by
the American Stock Transfer & Trust Company or such other substitute or
successor open market purchase plan designated by the Committee.

         (c)      "Eligible Director" means (i) any director of the Company or
of a Participating Subsidiary who is not an officer or employee of the Company
or of any Participating Subsidiary and (ii) any other director who the Board of
Directors of the Company or of the Participating Subsidiary shall designate as
an Eligible Director.

         (d)      "Participating Subsidiary" means a Subsidiary that elects to
participate in this Plan.

         (e)      "Stock" means the Company's common stock, par value $0.10.

         (f)      "Subsidiary" means any joint venture, corporation, partnership
or other entity as to which the Company, whether directly or indirectly, has
more than 50% of the (i) voting rights or (ii) right to capital or profits, and
"Subsidiaries" shall mean, collectively, all such entities.

         (g)      "Valuation Date" means the last Business Day before the
beginning of the Company's immediately succeeding fiscal year, as applicable.

         (h)      "Value" means, with respect to a share of Stock, (i) the
average of the high and low sales prices on the Valuation Date as reported by
the American Stock Exchange or by such other national securities exchange or the
NASDAQ National Market System on which the Stock is listed or admitted to
trading or if no such sale takes place on such day, the average of the high bid
and low asked prices on such day; (ii) if the Stock is not listed or admitted to
trading on any national securities exchange or the NASDAQ National Market
System, the average of the high and low sale price on such day or, if no sale
takes place on such day, the average of the high bid and low asked prices on
such day, as reported by a reliable quotation source designated by the
Committee, or if there shall be no bid and asked prices on such day, the average
of the high bid and low asked prices, as so reported, on the most
<PAGE>

recent day (not more than 5 days prior to the date in question) for which prices
have been so reported; or (iii) if none of the conditions set forth in clauses
(i) or (ii) is met then, the Value shall be determined by the Committee, acting
in good faith.

4.       Administration. This Plan shall be administered by a committee of the
Board of Directors of the Company (the "Committee") designated by the Board of
Directors for that purpose. However, unless and until a Committee is appointed,
this Plan shall be administered by the Company's entire Board of Directors, and
references in this Plan to the "Committee" shall be deemed references to the
Board of Directors of the Company. The Committee has the authority to control
and manage the operation and administration of this Plan, including (a) to
adopt, amend and rescind rules and regulations for the administration of this
Plan and (b) to interpret this Plan and to decide any questions and settle all
controversies and disputes that may arise in connection with this Plan. Such
determinations of the Committee shall be conclusive and shall bind all parties.
Transactions under this Plan are intended to comply with all applicable
conditions of Rule 16b-3 or its successors under Section 16 of the Securities
Exchange Act of 1934, as amended (the "Exchange Act"), including, but not
limited to, any applicable six month holding periods relating to Stock purchased
or otherwise acquired under this Plan. To the extent any provision of this Plan
or action by the Committee fails to so comply, it shall be deemed null and void,
to the extent permitted by law and deemed advisable by the Committee.

5.       Terms and Conditions; Shares Subject to this Plan.

         (a)      Deferred Shares of Stock. All Board/Committee Fees earned by
an Eligible Director will be transferred to a trustee subject to a rabbi trust
agreement among the Company, to the extent applicable, Participating
Subsidiaries, and a trustee designated by the Committee (the "Trust"). Pursuant
to the Trust, the trustee will establish deferred compensation accounts for each
Eligible Director and, as an Eligible Director earns Board/Committee Fees, the
Company (or the Participating Subsidiary, as the case may be) will contribute
such Board/Committee Fees to the trustee and the trustee will, subject to the
terms of the Trust, acquire shares of Stock for such Eligible Director's account
on the open market pursuant to the Direct Stock Purchase Plan. The actual number
of shares of Stock acquired by the Trust and deposited into an Eligible
Director's account will be equal to the quotient determined by dividing the
Board/Committee Fees contributed by the Company (or the Participating
Subsidiary, as the case may be) to such Eligible Director's account by the
purchase price per share of Stock paid pursuant to the terms of the Direct Stock
Purchase Plan. The actual price per share of Stock that will be paid under the
Direct Stock Purchase Plan cannot be determined until a particular purchase is
completed.

         (b)      Amount of Board/Committee Fees. Board/ Committee Fees are
payable periodically at such time and in such amounts as the Board of Directors
of the Company (or of the Participating Subsidiary, as the case may be) may
determine from time to time by resolution.

         (c)      Rights as Stockholder; Assignment. Eligible Directors shall
have no rights of a stockholder with regard to shares of Stock held in the
Trust, and shall be subject to and governed by the terms of the Trust and this
Plan. No right to receive payments under this Plan is transferable or assignable
by an Eligible Director except by will or by the laws of descent and
distribution or as may otherwise be provided for in the Trust or this Plan.

         (d)      Rights to Shares of Stock. An Eligible Director's right to
payment of deferred compensation under this Plan is a contractual obligation of
the Company (or of the Participating Subsidiary, as the case may be) to the
Eligible Director, and his or her right to such shares of Stock shall be an
unsecured claim against the general assets of the Company. However, the Company
has established the Trust as an irrevocable rabbi trust for Eligible Directors
for the purpose of holding assets used to provide the benefits required by this
Plan. The Company (or the Participating Subsidiary, as the case may be) shall
make periodic contributions to the Trust as may be required to fund amounts
payable under this Plan. The Trust provides an Eligible Director with assurance
that deferred compensation will be paid to him or her in accordance with this
Plan, except in the event of the Company's bankruptcy or insolvency.

         (e)      Payment of Deferred Compensation.
                  (i)      An Eligible Director will have the right to the
                           payment of his or her deferred compensation upon the
                           first to occur of the following events (each of the
                           following a "Distribution Triggering Event"):

                           o   the Eligible Director's termination of service as
                               a director of the Company or of the Participating
                               Subsidiary;

                           o   the Eligible Director's attainment of the age of
                               seventy-two (72) years; or

                           o   the Eligible Director's death.

                  (ii)     Upon the occurrence of a Distribution Triggering
Event, payment of an Eligible Director's deferred compensation will commence as
soon as practicable following the first Business Day of January of the calendar
year (the "Distribution Commencement Date") immediately following the occurrence
of the Distribution Triggering Event, and will continue to be paid annually each
year thereafter as soon as practicable following the first Business Day of each
such subsequent calendar year (each a "subsequent Distribution Date") until the
earlier of: (y) the tenth (10th) calendar year following the occurrence of the
Distribution Triggering Event or (z) the Eligible Director's receipt of all of
the deferred payments to which he or she is entitled (the "Termination Date").
<PAGE>

                  (iii)    Annual installments of deferred compensation will be
made over a period of not more than 10 years, and shall be made through the
transfer of the shares of Stock held in the Eligible Director's deferred
compensation account established and maintained pursuant to the Trust. The
number of shares of Stock distributed annually to an Eligible Director will be
calculated in the following manner: the aggregate Value of the shares of Stock
in the Eligible Director's deferred compensation account as of the Valuation
Date immediately preceding the Distribution Commencement Date will be multiplied
by a fraction, the numerator of which is 1, and the denominator of which is the
number of remaining annual distribution installments of Stock, provided,
however, that each annual Stock distribution installment must be of at least
that number of shares of Stock having an aggregate Value (as of the
corresponding Valuation Date) of $10,000 and, in the event the aggregate Value
of the shares of Stock held in the Eligible Director's account as of any
Valuation Date is less than $10,000, then the Eligible Director shall be
distributed all of the shares of Stock in the Eligible Director's account. The
Value of the shares of Stock held in an Eligible Director's deferred
compensation account to be distributed annually on subsequent Distribution Dates
will be determined annually on each corresponding Valuation Date until the
Termination Date. By way of example, if an Eligible Director's service as a
director is terminated effective April 1, 2006, the Distribution Commencement
Date will be on or about January 2, 2007 and the corresponding Valuation Date
shall be December 29, 2006. Accordingly, if as of December 29, 2006 the Value of
a share of Stock is $50 and the Eligible Director has an aggregate of 1350
shares of Stock in his deferred compensation account, the aggregate Value of the
shares of Stock held in the Eligible Director's account is $67,500 (1350 x $50),
the number of shares of Stock to be transferred to the Eligible Director from
his or her deferred compensation account on or about January 2, 2007 shall be
that number of shares of Stock equal to the greater of : 1/10th of $67,500 (the
aggregate Value of the Stock on December 29, 2006) or $10,000 in Value (as of
December 29, 2006). In this example, on or about January 2, 2007, the Eligible
Director would be distributed 200 shares, which equal $10,000 in Value (1/10th
of $67,500, is less than $10,000); the balance of the shares of Stock held in
the Eligible Director's account will be valued again on December 31, 2007 and
that number of shares of Stock equal to 1/9th of the aggregate Value of the
balance shares of Stock as of December 31, 2007, but not less than that number
of shares of Stock equal to $10,000 in Value as of December 31, 2007, will be
distributed to the Eligible Director on or about January 2, 2008; and this
process shall continue until the Termination Date.

                  (iv)     Annual distributions shall be made to the Eligible
Director while living. In the event of an Eligible Director's death before he or
she has received all of the deferred distributions to which he or she is
entitled, distributions will be made to the beneficiary designated in writing by
the Eligible Director as hereinafter provided. The beneficiary designated by the
Eligible Director shall be his or her spouse, child (or children), grandchild
(grandchildren), executor or administrator, or the trustee of any testamentary
or inter-vivos trust established by the Eligible Director. If no such
designation is in effect at the time any distribution becomes due hereunder,
such distribution shall be made to the Eligible Director's surviving spouse and,
if the Eligible Director leaves no spouse surviving, to the Eligible Director's
executor or administrator. Beneficiary designations and changes thereof may be
made by the Eligible Director during his or her lifetime by written notice filed
with the Company's Secretary, which designation, and any subsequent change,
shall take effect as of the date the notice is signed recorded and accepted by
the Secretary of the Company, subject to any distribution made by the Company or
Participating Subsidiary or action taken by it before acceptance of the notice
by the Secretary.

                  (v)      All payments made to an Eligible Director shall be
subject to taxes required to be withheld under applicable laws and regulations
of any governmental authorities.

                  (vi)     An Eligible Director has no right to elect to
accelerate the timing of any distribution or to change the form of distribution
from what is set forth in this Section 5(e). In the event any Eligible Director
is determined to be a "key employee", as such term is defined in Internal
Revenue Code Section 409A, or any successor to such statute of like import, then
the distribution of benefits under this Section 5(e) to such Eligible Director
shall not be made until six months after such Eligible Director separates from
service as a director or, if earlier, the date of such Eligible Director's
death, but in no event earlier then the applicable Distribution Commencement
Date and, if the Eligible Director's separation is six months or less from the
beginning of the calendar year immediately following the occurrence of the
Distribution Event and such Eligible Director is determined to be a "key
employee" as defined herein, such Eligible Director's Distribution Commencement
Date will be as soon as practicable following the expiration of the six month
separation period.

                  (vii)    In the event the Distribution Commencement Date or
any subsequent Distribution Date falls on a Business Day, such date will be
deemed to refer to the next Business Day thereafter.

                  (viii)   In the event an Eligible Director serves as a
director of the Company and as a director of one or more Participating
Subsidiary, his or her Distribution Triggering Event, Distribution Commencement
Date and annual installments of deferred compensation will be determined and
paid separately relative to each entity.

6.       Effective Date and Term of Plan. This Plan, as amended and restated, is
effective on January 25, 2005 (the "Effective Time"), the date on which the Plan
was approved by the Board, subject to approval by the stockholders of the
Company. The term of this Plan shall be indefinite.

7.       Amendment and Termination. This Plan may at any time or from time to
time be amended, modified or terminated by the Board of Directors or the
Committee; provided that, no amendment or modification will, without the
requisite
<PAGE>

approval of the stockholders of the Company, effectuate a change for which
stockholder approval is required under applicable law or the rules of the
American Stock Exchange or of such other national securities exchange or
automated quotation system on which the Stock may be listed or admitted to
trading, and further provided that no such amendment, modification or
termination will, without the consent of the Eligible Director, adversely affect
the Eligible Director's accruals in his or her deferred compensation account.

                                        TOMPKINS TRUSTCO, INC.

                                        By: ________________________________

                                        Title: _______________________________

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