Document:

Filed by Automated Filing Services Inc. (604) 609-0244 - Coloured Industry Limited - Exhibit 10.33

EXHIBIT 10.29

THIS AGREEMENT is made the 1st day of July 2005

  BETWEEN: 

(1) Azuracle Limited registered in England under company number
(03836824) whose registered office is at 27 New Bond Street London W1S
2RH (‘AZURACLE’); and
(2) Coloured Industry Limited a company registered in
England under company number (04752451) whose registered office is at 27
New Bond Street London W1S 2RH (‘Customer’). 

WHEREAS: 
(A) The Customer’s business is SMS based Mobile
Games
(B) Azuracle has, in consideration of clause 4 of this agreement agreed
to enter into this agreement to provide administrative, legal, financial,
marketing and sales support and advice to the Customer on the terms set out
below

NOW IT IS AGREED as follows: 

1 Definitions and interpretation 
1.1 In this
agreement unless the context otherwise requires: 

	‘business day’ 	
      means a day, other than a Saturday or Sunday, on which
      banks are open for ordinary banking business in London; 

	‘the Effective Date’ 	
      means 1st July 2005; 

	‘party’ or ‘parties’ 	
      references to ‘party’ or ‘parties’ shall be construed as
      references to a party or parties to this agreement; 

	‘the Services’ 	
      means the services to be performed by Azuracle for the
      Customer upon the terms of this agreement, a detailed description of which
      is set out in the appendix hereto as amended from time to time; 

	‘value added tax’ and ‘VAT’ 	
      mean value added tax as provided for in the Value Added
      Tax Act 1994 and legislation supplemental thereto or replacing, modifying
      or consolidating it. 

1.2 References to, or to any provision of, any treaty,
legislation, statute, directive, regulation, judgment, decision, decree, order,
instrument, byelaw, or any other law of, or having effect in, any jurisdiction
(‘Laws’) shall be construed also as references to all other Laws made under the
Law referred to, and to all such Laws as amended, re-enacted, consolidated or
replaced or as their application is modified by other Laws from time to time,
and whether before or after the date of this agreement. 
1.3 References to
‘this agreement’ or to any other agreement or document referred to in this
agreement mean this agreement or such other agreement or document as amended,
varied, supplemented, modified or novated from time to time, and include the
schedules and appendices. 
1.4 References to the singular shall include the
plural and vice versa and references to the masculine, the feminine and the
neuter shall include each other such gender. 
1.5 References to ‘parties’ are
references to the parties to this agreement, and references to a ‘person’
include any individual, company, body corporate, corporation sole or aggregate,
government, state or agency of a state, firm, partnership, joint venture,
association, organisation or trust (in each case, whether or not having separate
legal personality and irrespective of the jurisdiction in or under the law of
which it was incorporated or exists) and a reference to any of them shall
include a reference to the others. 
1.6 References to clauses and the
appendix are to clauses of and the appendix to this agreement. References to
this agreement include the appendix. 
1.7 The headings are inserted for
convenience only and shall not affect the construction of this agreement. 

2 Duration 
Subject as provided in clause 9, this
agreement shall commence on the Effective Date and continue unless and until
terminated by either party giving to the other not less than one (1) month’s
notice in writing.

3 Provision of the Services 
Azuracle shall provide
the services to the Customer at the times and at the places, in the manner and
in accordance with the terms set out in the appendix. 

4 Charges 
4.1 The Customer shall pay charges for the
Services in the amounts and at the times set out in the appendix. 
4.2 All
amounts expressed as payable pursuant to this agreement are exclusive of any
applicable VAT which, where applicable, shall be payable by the relevant party
in addition to the amount in question on production to it of a valid VAT
invoice. 
4.3 All sums payable by either party under this agreement shall be
paid free and clear of all withholdings, set-offs or counterclaims whatsoever,
except any deduction or withholding which may be required by law 

5 Independent contractor 
In performing the services
in carrying out its obligations under this agreement, Azuracle shall act as an
independent contractor and not the agent of the Customer, and neither Azuracle
nor any of its directors, employees or agents shall have any authority to
negotiate or enter into contracts on behalf of or otherwise to bind the Customer
except where authorised expressly in writing). 

6 Standard of work 
In performing the Services
Azuracle shall use reasonable care and skill, comply with the terms set out in
the appendix and with generally accepted standards of good practice. The said
obligations shall replace all conditions and warranties which would otherwise be
implied herein by statute, common law or otherwise (including, without limit,
the Supply of Goods and Services Act 1982) all of which are hereby expressly
excluded. 

7 Limitation of liability1
7.1 In respect
of those of the Services which are of a managerial or advisory nature (as
identified in the appendix) Azuracle shall not be liable to the Customer for any
loss suffered or liability incurred by the Customer arising out of any act,
omission or error of judgment (whether or not negligent) which may be committed
by Azuracle or by any of its employees, agents or subcontractors in the course
of the provision of those of the Services except where such loss or liability
arises from the negligence, dishonesty or wilful default of Azuracle or of any
of such employees, agents or subcontractors. 7.3 Nothing in this clause 7 or
elsewhere in this agreement shall exclude, restrict or limit the liability of
either party for death or personal injury caused by that party’s negligence or
for fraud. 

8 Force majeure 
8.1 If and to the extent that the
provision of the Services is prevented or delayed by force majeure (as defined
by clause 8.2 below), Azuracle shall promptly notify the Customer specifying the
nature, extent, effect and the likely duration of the circumstances constituting
the force majeure, and Azuracle shall then be relieved of any liability for
failure to perform or for delay in performing the Services but shall
nevertheless use all reasonable endeavours to minimise the effect of the force
majeure on its performance of its obligations and to resume full performance of
them and shall make such alternative arrangements for doing so as may be
practicable without incurring material additional expense PROVIDED that if as a
result of the force majeure the Services are not supplied for more than
[6] months, the Customer may terminate this agreement forthwith by
notice to Azuracle. Such a termination notice shall be irrevocable, except with
the consent of both parties.
	8.2 	
      For the purposes of this clause 8, ‘force majeure’ means
      any circumstances not foreseeable at the date of this agreement and not
      within the reasonable control of Azuracle.

9 Termination 
9.1 Either party may terminate this
agreement forthwith by notice to the other if the other shall have committed a
material breach of this agreement which is incapable of remedy or (if so
capable) is not remedied within 30 days of the party committing the breach
having been served with notice by the other party, specifying the breach and
requiring its remedy
9.2 Upon termination any rights or obligations to which
either of the parties may be entitled or be subject before such termination
shall remain in full force and effect

10 General 
10.1 Azuracle may subcontract any of its
obligations under this agreement. This agreement shall be binding upon the
parties and their successors and permitted assigns but neither of the parties
may assign any of their respective rights and obligations under this agreement
without the prior written consent of the other 
10.2 No exercise or failure
to exercise or delay in exercising any right, power or remedy vested in either
party shall constitute a waiver by that party of that or any other right, power
or remedy. 
10.3 Nothing in this agreement shall be deemed to constitute a
partnership between the parties nor constitute either party the agent of the
other or otherwise entitle either party to have authority to bind the other
party for any purpose. 
10.4 This agreement, together with any documents
referred to in it, constitutes the entire agreement between the parties in
relation to its subject matter and supersedes and extinguishes any prior
agreements and understandings whether oral or written with respect to it. Each
party acknowledges that it has not been induced to enter into this agreement by
any representation or warranty other than those contained in this agreement and,
having negotiated and freely entered into this agreement, agrees that it shall
have no remedy in respect of any other such representation or warranty except in
the case of fraud. Each party acknowledges that its legal advisers have
explained to it the effect of this clause 
10.5. No variation of this
agreement shall be effective unless reduced to writing and signed by or on
behalf of a duly authorised representative of each of the parties. 
10.6 In
the event that any term, condition or provision of this agreement is held to be
a violation of any applicable law statute or regulation the same shall be deemed
to be deleted from this agreement and shall be of no force and effect and this
agreement shall remain in full force and effect as if such term, condition or
provision had not originally been contained in this agreement. Notwithstanding
the foregoing, in the event of any such deletion the parties agree to negotiate
in good faith in order to agree the terms of a mutually acceptable and
satisfactorily alternative provision in place of the provision so deleted.

10.7 If any party to this agreement defaults in the payment when due of any
sum payable by it under this agreement, its liability shall be increased to
include interest on such sum from the due date until the date of actual payment
(both before and after judgment) at that annual rate which is 8 percent above
the base rate of (Bank of England) from time to time in effect during
such period, and compounded daily. 
10.8 No person who is not a party to this
agreement shall have any rights under the Contracts (Rights of Third Parties)
Act 1999 to enforce any term of this agreement. 

11 Notices 
11.1 Any notice (which term shall in this
clause include any other communication) to be given under this agreement by
either party to the other shall be in writing in the English language. 
11.2
Any such notice shall be addressed as provided in clause 11.3 and may be:
	 	11.2.1 	
      personally delivered, in which case it shall be deemed to
      have been given upon delivery at the relevant address if it is delivered
      not later than 17.00 hours on a business day, or, if it is delivered later
      than 17.00 hours on a business day or at any time on a day which is not a
      business day, at 08.00 hours on the next business day; or

	 	11.2.2 	
      if within the United Kingdom, sent by first class
      pre-paid post, in which case it shall be deemed to have been given 2
      business days after the date of posting; or

	 	11.2.3 	
      sent by fax, in which case it shall be deemed to have
      been given when dispatched, subject to confirmation of uninterrupted
      transmission by a transmission report provided that any notice dispatched
      by fax after 17.00 hours on any business day or at any time on a day which
      is not a business day shall be deemed to have been given at 08.00 on
      the

	 		
      next business day; or

	 	11.2.4 	
      sent by electronic mail, in which case, it shall be
      deemed to be given when received but subject to the same provisions
      regarding receipt after 17.00 hours as apply to notices sent by
  fax.

11.3 The addresses and other details of the parties referred to in clause 11.2
are, subject to clause 11.4: 

	 	AZURACLE 	Name: Blue Khiroya 
	 	  	Address: Suite 5.15, 130 Shaftesbury
      Ave, 
	 	  	London, W1D 5EU 
	 	  	Fax: 020 7031 1199 
	 	  	Email: info@outlandermanagement.com 
	 	  	  
	 	Customer 	Name: Lars Brannvall 
	 	  	Address: 130 Shaftesbury Ave. London,W1D
      5EU 
	 	  	Fax number: 0207 7031 1199 
	 	  	Email address: lars@cimobilegaming.com
    

11.4 Either party may notify the other party of any change to
the address or any of the other details specified in clause 11.3, provided that
such notification shall only be effective on the date specified in such notice
or 5 business days after the notice is given, whichever is later 

12 Law and jurisdiction 
12.1 This agreement shall be
governed by, and construed in all respects in accordance with, English law. 

Signed on behalf of AZURACLE:     /s/
  Ulrik DeBo                                 
  Date

Signed on behalf of Customer:          /s/
  Lars Brannvall                           
  1/7/2005    Date 

APPENDIX

THE SERVICES

  	

        Legal: Registered office, Company Secretary, Statutory Filing 

        
	To be 

        charged as 

        it arises 

	

        Finance: Book-keeping, Management Accounts, Statutory Accounts 
	To be 

        charged as 

        it arises 

	

        Stationery: Basic and Common needs 
	To be 

        charged as 

        it arises 

	Meeting room: Use of Azuracle Ltd.'s meeting room	To be 

        charged as 

        it arises 
	TOTAL 	 

The aforementioned services are the monthly standard charges.

The following will be charged over and above, as and when used
by the Customer

	Stationery: unusual and / or expensive items: exact cost will be
  recharged
  
	Couriers: as and when used: exact cost will be recharged
  
	Telephone calls: itemised calls: exact cost will be recharged
  
	Meeting room: cost of MLS rooms: exact cost will be recharged
  
	Misc: should anything else arise, this will be discussed individually,
  and invoiced under mutual agreement 

AZURACLE will invoice the Customer monthly for services
provided during the previous month, adding VAT if appropriate.

Payment shall be due on receipt of invoice, and be made no
later than 7 days of date of invoice.

The invoice will be sent by way of any method mentioned in
Clause 11.Exhibit 4.13

 

EXCO RESOURCES, INC. EMPLOYEES SAVINGS TRUST

 

 

ADOPTION
AGREEMENT #005

NONSTANDARDIZED
401(k) PROFIT SHARING PLAN

 

The undersigned, EXCO
Resources, Inc.  Employees Savings Trust
(“Employer”), by executing this Adoption Agreement, elects to establish a
retirement plan and trust (“Plan”) under the CPI Qualified Plan Consultants,
Inc.  Defined Contribution Prototype Plan
and Trust (basic plan document # 01).  The
Employer, subject to the Employer’s Adoption Agreement elections, adopts fully
the Prototype Plan and Trust provisions.  This Adoption Agreement, the basic plan
document and any attached appendices or addenda, constitute the Employer’s
entire plan and trust document.  All section references within this Adoption Agreement
are Adoption Agreement section references unless the Adoption Agreement or the
context indicate otherwise.  All article
references are basic plan document and Adoption Agreement references as
applicable.  Numbers in parenthesis which
follow headings are references to basic plan document sections.  The Employer makes the following elections
granted under the corresponding provisions of the basic plan document.

 

ARTICLE I

DEFINITIONS

 

1.                                       PLAN (1.21).  The name of the Plan as adopted by the
Employer is EXCO Resources, Inc. Employees Savings Trust.

 

2.             TRUSTEE (1.33).  The Trustee executing this Adoption Agreement
is: (Choose one of (a), (b) or (c))

 

[X]          (a)
A discretionary Trustee.  See Plan Section 10.03[A].

 

[n/a]        (b) A nondiscretionary Trustee.  See Plan Section 10.03[B].

 

[n/a]        (c) A Trustee under a separate trust agreement. See Plan Section 10.03[G].

 

3.             EMPLOYEE (1.11).  The following Employees are not eligible to
participate in the Plan: (Choose (a) or one
or more of (b) through (g) as applicable)

 

[n/a]        (a) No exclusions.

 

[n/a]        (b) Collective bargaining Employees.

 

[X]          (c)
Nonresident aliens.** 

 

[X]          (d)
Leased Employees.

 

[n/a]        (e) Reclassified Employees.

 

[n/a]        (f) Classifications:             .

 

[n/a]                       (g) Exclusions
by types of contributions.  The
following classification(s) of Employees are not eligible for the specified
contributions:

 

Employee
classification:

Contribution
type:

 

4.             COMPENSATION (1.07).  The Employer makes the following election(s)
regarding the definition of Compensation for purposes of the contribution
allocation formula under Article III: (Choose
one of (a), (b) or (c))

 

[X]          (a)
W-2 wages increased by Elective
Contributions.

 

[n/a]        (b) Code §3401(a) federal income tax withholding wages
increased by Elective Contributions.

 

[n/a]        (c) 415 compensation.

 

[Note: Each of the Compensation definitions in (a), (b) and (c) includes
Elective Contributions.  See Plan Section
1.07(D).  To exclude Elective
Contributions, the Employer must elect (g).]

 

Compensation
taken into account.  For the Plan Year in which an Employee first
becomes a Participant, the Plan Administrator will determine the allocation of
Employer contributions (excluding deferral contributions) by taking into
account: (Choose one of (d) or (e))

 

[n/a]        (d) Plan Year.  The Employee’s Compensation for the entire
Plan Year.

 

**1.11(c)
amended 9/03

 

© Copyright 2001 CPI
Qualified Plan Consultants, Inc.

 

1

 

[X]                               (e) Compensation
while a Participant.  The
Employee’s Compensation only for the portion of the Plan Year in which the
Employee actually is a Participant.

 

Modifications
to Compensation definition.  The Employer elects to modify
the Compensation definition elected in (a), (b) or (c) as follows.

(Choose one
or more of (f) through (n) as applicable.  If the Employer elects to allocate its
nonelective contribution under Plan Section 3.04 using permitted disparity,
(i), (j), (k) and (l) do not apply):

 

[X]                               (f) Fringe
benefits.  The Plan excludes
all reimbursements or other expense allowances, fringe benefits (cash and
noncash), moving expenses, deferred compensation and welfare benefits.

 

[n/a]                       (g) Elective
Contributions.  The Plan
excludes a Participant’s Elective Contributions.  See Plan Section 1.07(D).

 

[n/a]                       (h) Exclusion. The Plan excludes Compensation in excess
of:             .

 

[X]                               (i) Bonuses. The Plan excludes bonuses.** 

 

[n/a]        (j) Overtime. The Plan excludes overtime. 

 

[n/a]        (k) Commissions. The Plan excludes commissions.

 

[n/a]                       (l) Nonelective
contributions.  The following
modifications apply to the definition of Compensation for nonelective
contributions:             .

 

[n/a]        (m) Deferral contributions.  The following modifications apply to the
definition of Compensation for deferral contributions:             .

 

[X]                               (n) Matching
contributions.  The following
modifications apply to the definition of Compensation for matching
contributions:       compensation earned
while making salary deferral contributions     
..

 

5.             PLAN YEAR/LIMITATION YEAR (1.24).
 Plan Year and Limitation Year mean the
12-consecutive month period (except for a short Plan Year) ending every: (Choose (a) or (b).  Choose (c) if applicable)

 

[X]          (a)
December 31.

 

[n/a]        (b) Other:             .

 

[n/a]        (c) Short Plan Year: commencing on:              and ending on:             .

 

6.             EFFECTIVE DATE (1.10).
 The Employer’s adoption of the Plan is
a: (Choose one of (a) or (b)) [n/a]             (a) New
Plan. The Effective Date of the Plan is:               .

 

[X]          (b)
Restated Plan.  The restated Effective Date is:          January 1, 1999        .

 

This Plan is an amendment and
restatement of an existing retirement plan(s) originally established effective
as of: January 1, 1999.

 

7.             HOUR OF SERVICE/ELAPSED TIME METHOD (1.15).
 The crediting method for Hours of
Service is: (Choose one or more of (a)
through (d) as applicable)

 

[X]          (a)
Actual Method.  See Plan Section 1.15(B).

 

[n/a]                       (b) Equivalency
Method.  The Equivalency
Method is:                 .  [Note:
Insert “daily,” “weekly,” “semi-monthly payroll periods” or “monthly.”]
See Plan Section 1.15(C).

 

[n/a]        (c) Combination Method.  In lieu of the Equivalency Method specified in
(b), the Actual Method applies for purposes of:              .

 

**1.07(i)
amended effective 10/29/03**

 

2

 

[n/a]                       (d) Elapsed
Time Method.  In lieu of
crediting Hours of Service, the Elapsed Time Method applies for purposes of
crediting Service for: (Choose one or more
of (1), (2) or (3) as applicable)

 

[n/a]                (1) Eligibility under Article II.

 

[n/a]                (2) Vesting under Article V.

 

[n/a]                (3) Contribution allocations under Article III.

 

8.             PREDECESSOR EMPLOYER SERVICE (1.30).
 In addition to the predecessor service
the Plan must credit by reason of Section 1.30 of the Plan, the Plan credits as
Service under this Plan service with the following predecessor employer(s): Central
Resources, Inc. and ONEOK Inc. and Affiliates.

 

[Note: If the Plan does not credit any additional predecessor service
under this Section 1.30, insert “N/A” in the blank line.  The Employer also may elect to credit
predecessor service with specified Participating Employers only.  See the Participation Agreement.]
Service with the designated predecessor employer(s) applies: (Choose one or more of (a) through (d) as applicable)

 

[X]          (a)
Eligibility.  For eligibility under Article II.  See Plan Section 1.30 for time of Plan entry.

 

[X]          (b)
Vesting.  For vesting under Article V.

 

[X]          (c)
Contribution allocation.  For contribution allocations under Article
III.

 

[n/a]        (d) Exceptions.  Except for the following Service:                     .

 

ARTICLE II

ELIGIBILITY
REQUIREMENTS

 

9.                                       ELIGIBILITY (2.01).

 

Eligibility
conditions.  To become a Participant in the Plan, an
Employee must satisfy the following eligibility conditions: (Choose one or more of (a) through (e) as applicable)
[Note: If the Employer does not elect (c),
the Employer’s elections under (a) and (b) apply to all types of contributions.
 The Employer as to deferral
contributions may not elect (b)(2) and may not elect more than 12 months in
(b)(4) and (b)(5).]

 

[X]          (a)
Age.  Attainment of age 21 (not to exceed age 21).

 

[X]          (b)
Service.  Service requirement.  (Choose one
of (1) through (5))

 

[n/a]                       (1) One Year of Service.

 

[n/a]                       (2) Two Years of Service, without an
intervening Break in Service.  See Plan
Section 2.03(A).

 

[X]                               (3) One Hour of Service (immediate completion
of Service requirement).  The Employee
satisfies the Service requirement on his/her Employment Commencement Date.

 

[n/a]                       (4)                  months
(not exceeding 24).

 

[n/a]                       (5) An Employee must complete                 Hours
of Service within the                  time
period following the Employee’s Employment Commencement Date.  If an Employee does not complete the stated
Hours of Service during the specified time period (if any), the Employee is
subject to the One Year of Service requirement.  [Note: The
number of hours may not exceed 1,000 and the time period may not exceed 24
months.  If the Plan does not require the
Employee to satisfy the Hours of Service requirement within a specified time
period, insert “N/A” in the second blank line.]

 

[n/a]                       (c) Alternative
401(k)/401(m) eligibility conditions.  In lieu of the elections in (a) and (b), the
Employer elects the following eligibility conditions for the following types of
contributions: (Choose (1) or (2) or both if
the Employer wishes to impose less restrictive eligibility conditions for
deferral/Employee contributions or for matching contributions)

 

(1)                                  [n/a] Deferral/Employee
contributions: (Choose one of a. through d. Choose e. if applicable)

 

a.     [n/a]                            One Year of Service

b.     [n/a]                            One Hour of Service (immediate completion of Service requirement)

c.     [n/a]                                              months (not exceeding 12)

d.     [n/a]                            An Employee must complete          Hours
of Service within the           time
period following an Employee’s Employment Commencement Date.  If an Employee does not complete the stated
Hours of

 

***1.30 amended effective 9/27/05 amend3***

 

3

 

Service during the specified
time period (if any), the Employee is subject to the One Year of Service
requirement.  [Note: The number of hours may not exceed 1,000 and the time period may
not exceed 12 months.  If the Plan does
not require the Employee to satisfy the Hours of Service requirement within a
specified time period, insert “N/A” in the second blank line.]

 

e.     [n/a]         Age                 (not
exceeding age 21)

 

(2) [n/a] Matching contributions: (Choose one of f. through i. Choose j. if applicable)

 

f.      [n/a]         One Year of Service

g.     [n/a]         One Hour of Service (immediate completion of
Service requirement)

h.     [n/a]                      months (not exceeding 24)

i.      [n/a]                            An Employee must complete                 Hours
of Service within the              time
period following an Employee’s Employment Commencement Date.  If an Employee does not complete the stated
Hours of Service during the specified time period (if any), the Employee is
subject to the One Year of Service requirement.  [Note: The
number of hours may not exceed 1,000 and the time period may not exceed 24
months.  If the Plan does not require the
Employee to satisfy the Hours of Service requirement within a specified time
period, insert “N/A” in the second blank line.]

j.      [n/a]                            Age               (not
exceeding age 21)

 

[n/a]        (d) Service requirements:             .

[Note: Any Service requirement the Employer elects in (d) must be
available under other Adoption Agreement elections or a combination thereof.]

 

[n/a]                       (e) Dual
eligibility.  The eligibility
conditions of this Section 2.01 apply solely to an Employee employed by the
Employer after               .
 If the Employee was employed by the
Employer by the specified date, the Employee will become a Participant on the
latest of: (i) the Effective Date; (ii) the restated Effective Date; (iii) the
Employee’s Employment Commencement Date; or (iv) on the date the Employee
attains age               (not
exceeding age 21).

 

Plan Entry
Date.  “Plan Entry Date” means the Effective Date
and: (Choose one of (f) through (j). Choose
(k) if applicable) [Note: If the
Employer does not elect (k), the elections  under (f) through (j) apply to all types of
contributions.  The Employer must elect
at least one Entry Date per Plan Year.]

 

[X]          (f)
Semi-annual Entry Dates.  The first day of the Plan Year and the first
day of the seventh month of the Plan Year.

 

[n/a]        (g) The first day of the Plan Year.

 

[n/a]        (h) Employment Commencement Date (immediate
eligibility).

 

[n/a]        (i) The first day of each:             (e.g.,
“Plan Year quarter”).

 

[n/a]        (j) The following Plan Entry Dates:                .

 

[n/a]                       (k) Alternative
401(k)/401(m) Plan Entry Date(s).  For the alternative 401(k)/401(m) eligibility
conditions under (c), Plan Entry Date means: (Choose
(1) or (2) or both as applicable)

 

	
  (1)

  	
  [n/a]

  	
  Deferral/Employee
  contributions

  	
  (2)

  	
  [n/a]

  	
  Matching
  contributions

  
	
   

  	
   

  	
  (Choose
  one of a. through d.)

  	
   

  	
   

  	
  (Choose
  one of e. through h.)

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
  a.

  	
  [n/a]

  	
  Semi-annual Entry Dates

  	
   

  	
  e.

  	
  [n/a] Semi-annual Entry Dates

  
	
   

  	
  b.

  	
  [n/a]

  	
  The first day of the Plan
  Year

  	
   

  	
  f.

  	
  [n/a] The first day of the Plan Year

  
	
   

  	
  c.

  	
  [n/a]

  	
  Employment Commencement
  Date

  	
   

  	
  g.

  	
  [n/a] Employment Commencement Date

  
	
   

  	
   

  	
   

  	
  (immediate eligibility)

  	
   

  	
   

  	
           (immediate
  eligibility)

  
	
   

  	
  d.

  	
  [n/a]

  	
  The first day of each:

  	
   

  	
  h.

  	
  [n/a] The first day of each:

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  

 

Time of
participation.  An Employee will become a Participant, unless
excluded under Section 1.11, on the Plan Entry Date (if employed on that date):
(Choose one of (l), (m) or (n). Choose (o)
if applicable): [Note: If the
Employer does not elect (o), the election under (l), (m) or (n) applies to all
types of contributions.]

 

[X]          (l)
Immediately following or coincident with

 

[n/a]        (m) Immediately preceding or coincident with

 

[n/a]        (n) Nearest

 

4

 

[n/a]        (o) Alternative 401(k)/401(m) election(s):  (Choose (1) or (2) or both as applicable)

 

	
  (1)

  	
  [n/a]

  	
  Deferral
  contributions

  	
  (2)

  	
  [n/a]
  Matching contributions

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  (Choose
  one of b., c. or d.)

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
  a.

  	
  [n/a]

  	
  Immediately following

  	
   

  	
  b.

  	
  [n/a]

  	
  Immediately following

  
	
   

  	
   

  	
   

  	
  or coincident with

  	
   

  	
   

  	
   

  	
  or coincident with

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
  c.

  	
  [n/a]

  	
  Immediately preceding

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  or coincident with

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
  d.

  	
  [n/a]

  	
  Nearest

  

 

the date the Employee
completes the eligibility conditions described in this Section 2.01.  [Note:
Unless otherwise excluded under Section 1.11, an Employee must become a
Participant by the earlier  of:
(1) the first day of the Plan Year beginning after the date the Employee
completes the age and service requirements of Code §410(a); or (2) 6 months
after the date the Employee completes those requirements.]

 

10.           YEAR OF SERVICE - ELIGIBILITY (2.02).
 (Choose
(a) and (b) as applicable): [Note:
If the Employer does not elect a Year of
Service condition or elects the Elapsed Time Method, the Employer should not
complete (a) or (b).]

 

[n/a]                       (a) Year of
Service.  An Employee must
complete              Hour(s) of Service
during an eligibility computation period to receive credit for a Year of
Service under Article II: [Note: The number
may not exceed 1,000.  If left blank, the
requirement is 1,000.]

 

[n/a]                       (b) Eligibility
computation period.  After the
initial eligibility computation period described in Plan Section 2.02, the Plan
measures the eligibility computation period as: (Choose one of (1) or (2))

 

[n/a]                       (1) The Plan Year beginning with the Plan Year
which includes the first anniversary of the Employee’s Employment Commencement
Date.

 

[n/a]                       (2) The 12-consecutive month period beginning
with each anniversary of the Employee’s Employment Commencement Date.

 

11.           PARTICIPATION - BREAK IN SERVICE (2.03).
 The one year hold-out rule described in
Plan Section 2.03(B): (Choose one of (a),
(b) or (c))

 

[X]          (a)
Not applicable.  Does not apply to the Plan.

 

[n/a]        (b) Applicable.  Applies to the Plan and to all Participants.

 

[n/a]        (c) Limited application.  Applies to the Plan, but only to a Participant
who has incurred a Separation from Service.

 

12.                                 ELECTION NOT TO PARTICIPATE (2.06).
 The Plan: (Choose one of (a) or (b))

 

[X]                               (a) Election
not permitted.  Does not
permit an eligible Employee to elect not to participate.

 

[n/a]                       (b) Irrevocable
election.  Permits an Employee
to elect not to participate if the Employee makes a one-time irrevocable
election prior to the Employee’s Plan Entry Date.

 

ARTICLE III

EMPLOYER
CONTRIBUTIONS, DEFERRAL CONTRIBUTIONS AND FORFEITURES

 

13.           AMOUNT AND TYPE (3.01).
 The amount and type(s) of the Employer’s
contribution to the Trust for a Plan Year or other specified period will equal:
(Choose one or more of (a) through (f) as
applicable)

 

[X]                               (a) Deferral
contributions (401(k) arrangement).  The dollar or percentage amount by which each
Participant has elected to reduce his/her Compensation, as provided in the
Participant’s salary reduction agreement and in accordance with Section 3.02.

 

[X]                               (b) Matching
contributions (other than safe harbor matching contributions under Section
3.01(d)).  The matching
contributions made in accordance with Section 3.03.

 

[n/a]                       (c) Nonelective
contributions (profit sharing).  The following nonelective contribution (Choose (1) or (2) or both as applicable):
[Note: The Employer may designate as a
qualified nonelective contribution, all or any portion of its nonelective
contribution.  See Plan Section 3.04(F).]

 

[n/a]                (1) Discretionary.  An amount the Employer in its sole discretion
may determine.

 

5

 

[n/a]                (2) Fixed.  The following amount:

 

[n/a]        (d) 401(k) safe harbor contributions.  The following 401(k) safe harbor contributions
described in Plan Section 14.02(D):

(Choose one
of (1), (2) or (3). Choose (4), if applicable)

 

[n/a]                       (1) Safe
harbor nonelective contribution.  The safe harbor nonelective contribution
equals            %
of a Participant’s Compensation [Note: the
amount in the blank must be at least 3%.].

 

[n/a]                       (2) Basic
safe harbor matching contribution.  A matching contribution equal to 100% of each
Participant’s deferral contributions not exceeding 3% of the Participant’s
Compensation, plus 50% of each Participant’s deferral contributions in excess
of 3% but not in excess of 5% of the Participant’s Compensation.  For this purpose, “Compensation” means
Compensation for:               .
 [Note:
The Employer must complete the blank line with the applicable time period for
computing the Employer’s basic safe harbor match, such as “each payroll period,”
“each month,” “each Plan Year quarter” or “the Plan Year”.]

 

[n/a]        (3) Enhanced
safe harbor matching contribution.  (Choose one
of a. or b.).

 

[n/a]                       a.  Uniform percentage.  An amount equal to          %
of each Participant’s deferral contributions not exceeding           %
of the Participant’s Compensation.  For
this purpose, “Compensation” means Compensation for:            .
[See the Note in (d)(2).]

 

[n/a]                       b.  Tiered formula.  An amount equal to the specified matching
percentage for the corresponding level of each Participant’s deferral
contribution percentage.  For this
purpose, “Compensation” means Compensation for:                .
[See the Note in (d)(2).]

 

	
  Deferral
  Contribution Percentage

  	
   

  	
  Matching Percentage

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  

 

[Note: The matching percentage may not increase as the deferral
contribution percentage increases and the enhanced matching formula otherwise
must satisfy the requirements of Code §§401(k)(12)(B)(ii) and (iii).  If the Employer wishes to avoid ACP testing on
its enhanced safe harbor matching contribution, the Employer also must limit
deferral contributions taken into account (the “Deferral Contribution
Percentage”) for the matching contribution to 6% of Plan Year Compensation.]

 

[n/a]                (4) Another plan.  The Employer will satisfy the 401(k) safe
harbor contribution in the following plan:             .

 

[n/a]                       (e) Davis-Bacon
contributions.  The amount(s)
specified for the applicable Plan Year or other applicable period in the
Employer’s Davis-Bacon contract(s).  The
Employer will make a contribution only to Participants covered by the contract
and only with respect to Compensation paid under the contract.  If the Participant accrues an allocation of
nonelective contributions (including forfeitures) under the Plan in addition to
the Davis-Bacon contribution, the Plan Administrator will: (Choose one of (1) or (2))

 

[n/a]                (1) Not reduce the Participant’s nonelective contribution allocation by
the Davis-Bacon contribution.

 

[n/a]                (2) Reduce the Participant’s nonelective contribution allocation by the
Davis-Bacon contribution.

 

[n/a]                       (f) Frozen
Plan.  This Plan is a frozen
Plan effective:             .  For any period following the specified date,
the Employer will not contribute to the Plan, a Participant may not contribute
and an otherwise eligible Employee will not become a Participant in the Plan.

 

14.           DEFERRAL CONTRIBUTIONS (3.02).
 The following limitations and terms
apply to an Employee’s deferral contributions: (If
the Employer elects Section 3.01(a), the Employer must elect (a). Choose (b) or
(c) as applicable)

 

[X]                               (a) Limitation
on amount.  An Employee’s
deferral contributions are subject to the following limitation(s) in addition
to those imposed by the Code: (Choose (1),
(2) or (3) as applicable)

 

[X]                               (1) Maximum deferral amount: 50% of
Compensation.

 

[X]                               (2) Minimum deferral amount: 2% of
Compensation.

 

[n/a]                       (3) No limitations.

 

For the Plan Year in which an
Employee first becomes a Participant, the Plan Administrator will apply any
percentage limitation the Employer elects in (1) or (2) to the Employee’s
Compensation: (Choose one of (4) or (5)
unless the Employer elects (3))

 

6

 

[n/a]                       (4) Only for the portion of the Plan Year in
which the Employee actually is a Participant.

 

[X]                               (5) For the entire Plan Year.

 

[n/a]                       (b) Negative
deferral election.  The
Employer will withhold         % from the
Participant’s Compensation unless the Participant elects a lesser percentage
(including zero) under his/her salary reduction agreement.  See Plan Section 14.02(C).  The negative election will apply to: (Choose one of (1) or (2))

 

[n/a]                       (1) All Participants who have not deferred at
least the automatic deferral amount as of:             .

 

[n/a]                       (2) Each Employee whose Plan Entry Date is on
or following the negative election effective date.

 

[n/a]                       (c) Cash or
deferred contributions.  For
each Plan Year for which the Employer makes a designated cash or deferred
contribution under Plan Section 14.02(B), a Participant may elect to receive
directly in cash not more than the following portion (or, if less, the 402(g)
limitation) of his/her proportionate share of that cash or deferred
contribution: (Choose one of (1) or (2))

 

[n/a]                       (1) All or any portion.                                                    [n/a] (2)                  %.

 

Modification/revocation
of salary reduction agreement.  A Participant prospectively may
modify or revoke a salary reduction agreement, or may file a new salary
reduction agreement following a prior revocation, at least once per Plan Year
or during any election period specified by the basic plan document or required
by the Internal Revenue Service.  The
Plan Administrator also may provide for more frequent elections in the Plan’s
salary reduction agreement form.

 

15.           MATCHING CONTRIBUTIONS (INCLUDING ADDITIONAL
SAFE HARBOR MATCH UNDER PLAN SECTION 14.02(D)(3)) (3.03).
 The Employer matching contribution is: (If the Employer elects Section 3.01(b), the Employer
must elect one or more of (a), (b) or (c) as applicable. Choose (d) if
applicable)

 

[n/a]        (a) Fixed formula.  An
amount equal to         % of each
Participant’s deferral contributions.

 

[X]                               (b) Discretionary
formula.  An amount (or
additional amount) equal to a matching percentage the Employer from time to
time may deem advisable of the Participant’s deferral contributions.  The Employer, in its sole discretion, may
designate as a qualified matching contribution, all or any portion of its
discretionary matching contribution.  The
portion of the Employer’s discretionary matching contribution for a Plan Year
not designated as a qualified matching contribution is a regular matching
contribution.

 

[n/a]                       (c) Multiple
level formula.  An amount
equal to the following percentages for each level of the Participant’s deferral
contributions.  [Note:  The
matching percentage only will apply to deferral contributions in excess of the
previous level and not in excess  of
the stated deferral contribution percentage.]

 

	
  Deferral
  Contributions

  	
   

  	
  Matching Percentage

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  

 

[n/a]                       (d) Related
Employers.  If two or more
Related Employers contribute to this Plan, the Plan Administrator will allocate
matching contributions and matching contribution forfeitures only to the
Participants directly employed by the contributing Employer.  The matching contribution formula for the
other Related Employer(s) is:            
..  [Note:  If the Employer
does not elect (d),  the Plan
Administrator will allocate all matching contributions and matching forfeitures
without regard to which contributing Related Employer directly employs the
Participant.]

 

Time period
for matching contributions.  The Employer will determine its
matching contribution based on deferral contributions made during each: (Choose one of (e) through (h))

 

[n/a]        (e) Plan Year.

 

[n/a]        (f) Plan Year quarter.

 

[X]          (g)
Payroll period.

 

[n/a]                       (h) Alternative
time period:                .
 [Note:
Any alternative time period the Employer
elects in (h) must be the same for all Participants and may not exceed the Plan
Year.]

 

7

 

Deferral
contributions taken into account.  In determining a Participant’s
deferral contributions taken into account for the above-specified time period
under the matching contribution formula, the following limitations apply: (Choose one of (i), (j) or (k))

 

[n/a]        (i) All deferral contributions.  The Plan Administrator will take
into account all deferral contributions.

 

[n/a]                       (j) Specific
limitation.  The Plan
Administrator will disregard deferral contributions exceeding         % of the Participant’s Compensation.  [Note: To
avoid the ACP test in a safe harbor 401(k) plan, the Employer must limit
deferrals and Employee contributions which are subject to match to 6% of Plan
Year Compensation.]

 

[X]                               (k) Discretionary.
 The Plan Administrator will
take into account the deferral contributions as a percentage of the Participant’s
Compensation as the Employer determines.

 

Other
matching contribution requirements.  The matching contribution
formula is subject to the following additional requirements:

(Choose (l)
or (m) or both if applicable)

 

[X]          (l)
Matching contribution limits.  A Participant’s matching contributions may not
exceed: (Choose one of (1) or (2))

 

[X]                               (1) an amount to be determined by the Plan
Administrator.  [Note: The Employer may elect (1) to place an overall
dollar or percentage limit on matching contributions.]

 

[n/a]                       (2) 4% of a Participant’s Compensation for the
Plan Year under the discretionary matching contribution formula.  [Note: The
Employer must elect (2) if it elects a discretionary matching formula with the
safe harbor 401(k) contribution formula and wishes to avoid the ACP test.]

 

[n/a]                       (m) Qualified
matching contributions.  The
Plan Administrator will allocate as qualified matching contributions, the
matching contributions specified in Adoption Agreement Section:             .  The Plan Administrator will allocate all other
matching contributions as regular matching contributions.  [Note:
If the Employer elects two matching
formulas, the Employer may use (m) to designate one of the formulas as a
qualified matching contribution.]

 

16.           CONTRIBUTION ALLOCATION (3.04).

 

Employer
nonelective contributions (3.04(A)).The Plan Administrator will allocate the Employer’s nonelective
contribution under the following contribution allocation formula: (Choose one of (a), (b) or (c). Choose (d) if
applicable)

 

[n/a]        (a) Nonintegrated (pro rata) allocation formula.

 

[n/a]                       (b) Permitted
disparity.  The following
permitted disparity formula and definitions apply to the Plan: (Choose one of (1) or (2). Also choose (3))

 

[n/a]                       (1) Two-tiered allocation formula.

 

[n/a]                       (2) Four-tiered allocation formula.

 

[n/a]                       (3) For purposes of Section 3.04(b), “Excess
Compensation” means Compensation in excess of: (Choose
one of a. or b.)

 

[n/a]        a.          %
of the taxable wage base in effect on the first day of the Plan Year, rounded
to the next highest $         (not
exceeding the taxable wage base).

 

[n/a]        b.
The following integration level:            .

[Note: The integration level cannot exceed the taxable wage base in
effect for the Plan Year for which this
Adoption Agreement first is  effective.]

 

[n/a]                       (c) Uniform
points allocation formula.  Under
the uniform points allocation formula, a Participant receives: (Choose (1) or both (1) and (2) as applicable)

 

[n/a]                       (1)             point(s)
for each Year of Service.  Year of
Service means:             .

 

[n/a]                       (2) One point for each $      [not to exceed $200] increment of Plan Year
Compensation.

 

[n/a]                       (d) Incorporation
of contribution formula.  The
Plan Administrator will allocate the Employer’s nonelective contribution under
Section(s) 3.01(c)(2), (d)(1) or (e) in accordance with the contribution
formula adopted by the Employer under that Section.

 

8

 

Qualified
nonelective contributions. (3.04(F)).  The Plan Administrator will
allocate the Employer’s qualified nonelective contributions to: (Choose one of (e) or (f))

 

[X]          (e)
Nonhighly compensated Employees only.**

 

[n/a]        (f) All Participants.

 

Related
Employers. (Choose (g) if applicable)

 

[n/a]                       (g) Allocate
only to directly employed Participants.  If two or more Related Employers adopt this
Plan, the Plan Administrator will allocate all nonelective contributions and
forfeitures attributable to nonelective contributions only to the Participants
directly employed by the contributing Employer.  If a Participant receives Compensation from
more than one contributing Employer, the Plan Administrator will determine the
allocations under this Section 3.04 by prorating the Participant’s Compensation
between or among the participating Related Employers.  [Note:
If the Employer does not elect 3.04(g), the
Plan Administrator will allocate all nonelective contributions and  forfeitures without regard to which contributing
Related Employer directly employs the Participant.  The Employer may not elect 3.04(g) under a
safe harbor 401(k) Plan.]

 

17.           FORFEITURE ALLOCATION (3.05).
 The Plan Administrator will allocate a
Participant forfeiture: (Choose one or more
of (a), (b) or (c) as applicable) [Note:
Even if the Employer elects immediate vesting, the Employer should complete
Section 3.05.  See Plan Section 9.11.]

 

[X]          (a)
Matching contribution forfeitures. To the extent attributable to matching
contributions: (Choose one of (1) through
(4))

 

[n/a]                       (1) As a discretionary matching contribution.

 

[X]                               (2) To reduce matching contributions.

 

[n/a]                       (3) As a discretionary nonelective
contribution.

 

[n/a]                       (4) To reduce nonelective contributions.

 

[n/a]                       (b) Nonelective
contribution forfeitures.  To
the extent attributable to Employer nonelective contributions: (Choose one of (1) through (4))

 

[n/a]                       (1) As a discretionary nonelective
contribution.

 

[n/a]                       (2) To reduce nonelective contributions.

 

[n/a]                       (3) As a discretionary matching contribution.

 

[n/a]                       (4) To reduce matching contributions.

 

[n/a]                       (c) Reduce
administrative expenses.  First
to reduce the Plan’s ordinary and necessary administrative expenses for the
Plan Year and then allocate any remaining forfeitures in the manner described
in Sections 3.05(a) or (b) as applicable.

 

Timing of
forfeiture allocation.  The Plan Administrator will allocate
forfeitures under Section 3.05 in the Plan Year: (Choose one of (d) or (e))

 

[n/a]        (d)
In which the forfeiture occurs.

 

[X]          (e)
Immediately following the Plan Year in which the forfeiture occurs.

 

18.           ALLOCATION CONDITIONS (3.06).

 

Allocation
conditions.  The Plan does not apply any allocation
conditions to deferral contributions, 401(k) safe harbor contributions (under
Section 3.01(d)) or to Davis-Bacon contributions (except as the Davis-Bacon
contract provides).  To receive an
allocation of matching contributions, nonelective contributions, qualified
nonelective contributions or Participant forfeitures, a Participant must
satisfy the following allocation condition(s): (Choose
one or more of (a) through (i) as applicable)

 

[X]                               (a) Hours of
Service condition.  The
Participant must complete at least the specified number of Hours of Service
(not exceeding 1,000) during the Plan Year: one.

 

[n/a]                       (b) Employment
condition.  The Participant must
be employed by the Employer on the last day of the              (designate
time period).

 

**3.04(e)
amended 9/03

 

9

 

[n/a]        (c) No allocation conditions.

 

[n/a]                       (d) Elapsed
Time Method.  The Participant
must complete at least the specified number (not exceeding 182) of consecutive
calendar days of employment with the Employer during the Plan Year:                 .

 

[n/a]                       (e) Termination
of Service/501 Hours of Service coverage rule.  The Participant either must be employed by the
Employer on the last day of the Plan Year or must complete at least 501 Hours
of Service during the Plan Year.  If the
Plan uses the Elapsed Time Method of crediting Service, the Participant must
complete at least 91 consecutive calendar days of employment with the Employer
during the Plan Year.

 

[n/a]                       (f) Special
allocation conditions for matching contributions.  The Participant must complete at least                  Hours
of Service during the        (designate time period) for the matching
contributions made for that time period.

 

[n/a]                       (g) Death,
Disability or Normal Retirement Age.  Any condition specified in Section 3.06            applies
if the Participant incurs a Separation from Service during the Plan Year on
account of:              (e.g.,
death, Disability or Normal Retirement Age).

 

[X]                               (h) Suspension
of allocation conditions for coverage.  The suspension of allocation conditions of
Plan Section 3.06(E) applies to the Plan.

 

[n/a]                       (i) Limited
allocation conditions.  The
Plan does not impose an allocation condition for the following types of
contributions:               .
 [Note:
Any election to limit the Plan’s allocation conditions to certain contributions
must be the same for all Participants, be definitely determinable and not
discriminate in favor of Highly Compensated Employees.]

 

ARTICLE IV

PARTICIPANT
CONTRIBUTIONS

 

19.           EMPLOYEE (AFTER TAX) CONTRIBUTIONS (4.02).
 The following elections apply to
Employee contributions: (Choose one of (a)
or (b). Choose (c) if applicable)

 

[X]          (a)
Not permitted.  The Plan does not permit Employee
contributions.

 

[n/a]        (b) Permitted.  The Plan permits Employee contributions
subject to the following limitations:          .

[Note: Any designated limitation(s) must be the same for all
Participants, be definitely determinable and not discriminate in favor of
Highly Compensated Employees.]

 

[n/a]                       (c) Matching
contribution.  For each Plan
Year, the Employer’s matching contribution made with respect to Employee
contributions is:              .

 

ARTICLE V

VESTING
REQUIREMENTS

 

20.                                 NORMAL/EARLY RETIREMENT AGE (5.01).
 A Participant attains Normal Retirement
Age (or Early Retirement Age, if applicable) under the Plan on the following
date: (Choose one of (a) or (b). Choose (c)
if applicable)

 

[X]                               (a) Specific
age.  The date the Participant
attains age 65. [Note: The age may not
exceed age 65.]

 

[n/a]                       (b) Age/participation. The later of the date the Participant
attains              years
of age or the             anniversary
of the first day of the Plan Year in which the Participant commenced
participation in the Plan.  [Note:  The
age  may not exceed age 65 and the
anniversary may not exceed the 5th.]

 

[n/a]                       (c) Early
Retirement Age.  Early
Retirement Age is the later of: (i) the date a Participant attains age           or
(ii) the date a Participant reaches his/her               anniversary
of the first day of the Plan Year in which the Participant commenced
participation in the Plan.

 

21.           PARTICIPANT’S DEATH OR DISABILITY (5.02).
 The 100% vesting rule under Plan Section
5.02 does not apply to: (Choose (a) or (b)
or both as applicable)

 

[n/a]        (a) Death.

 

[n/a]        (b) Disability.

 

10

 

22.           VESTING SCHEDULE (5.03).
 A Participant has a 100% Vested interest
at all times in his/her deferral contributions, qualified nonelective
contributions, qualified matching contributions, 401(k) safe harbor
contributions and Davis-Bacon contributions (unless otherwise indicated in
(f)).  The following vesting schedule applies
to Employer regular matching contributions and to Employer nonelective
contributions: (Choose (a) or choose one or
more of (b) through (f) as applicable)

 

[X]                               (a) Immediate
vesting.  100% Vested at all
times.  [Note:
The Employer must elect (a) if the Service
condition under Section 2.01 exceeds One Year of Service or more than twelve
months.]

 

[n/a]        (b) Top-heavy vesting schedules.  [Note: The
Employer must choose one of (b)(1), (2) or (3) if it does not elect (a).]

 

[n/a]                       (1) 6-year graded as specified in the Plan.               [n/a]                       (3) Modified top-heavy schedule

[n/a]                       (2) 3-year cliff as specified in the Plan.

 

	
  Years of

  	
   

  	
  Vested

  	
   

  
	
  Service

  	
   

  	
  Percentage

  	
   

  
	
   

  	
   

  	
   

  	
   

  
	
  Less than 1

  	
   

  	
   

  	
  %

  
	
   

  	
   

  	
   

  	
   

  
	
  1

  	
   

  	
   

  	
  %

  
	
   

  	
   

  	
   

  	
   

  
	
  2

  	
   

  	
   

  	
  %

  
	
   

  	
   

  	
   

  	
   

  
	
  3

  	
   

  	
   

  	
  %

  
	
   

  	
   

  	
   

  	
   

  
	
  4

  	
   

  	
   

  	
  %

  
	
   

  	
   

  	
   

  	
   

  
	
  5

  	
   

  	
   

  	
  % 

  
	
   

  	
   

  	
   

  	
   

  
	
  6 or more

  	
   

  	
  100

  	
  %

  

 

[n/a]        (c) Non-top-heavy vesting schedules.  [Note: The
Employer may elect one of (c)(1), (2) or (3) in addition to (b).]

 

[n/a]                       (1) 7-year graded as specified in the Plan.               [n/a]                       (3) Modified non-top-heavy schedule

[n/a]                       (2) 5-year cliff as specified in the Plan.

 

	
  Years of

  	
   

  	
  Vested

  	
   

  
	
  Service

  	
   

  	
  Percentage

  	
   

  
	
   

  	
   

  	
   

  	
   

  
	
  Less than 1

  	
   

  	
   

  	
  %

  
	
   

  	
   

  	
   

  	
   

  
	
  1

  	
   

  	
   

  	
  %

  
	
   

  	
   

  	
   

  	
   

  
	
  2

  	
   

  	
   

  	
  %

  
	
   

  	
   

  	
   

  	
   

  
	
  3

  	
   

  	
   

  	
  %

  
	
   

  	
   

  	
   

  	
   

  
	
  4

  	
   

  	
   

  	
  %

  
	
   

  	
   

  	
   

  	
   

  
	
  5

  	
   

  	
   

  	
  %

  
	
   

  	
   

  	
   

  	
   

  
	
  6

  	
   

  	
   

  	
  %

  
	
   

  	
   

  	
   

  	
   

  
	
  7 or more

  	
   

  	
  100

  	
  %

  

 

If the Employer does not
elect (c), the vesting schedule elected in (b) applies to all Plan Years.  [Note: The
modified top-heavy schedule of (b)(3) must satisfy Code §416.  If the Employer elects (c)(3), the modified
non-top-heavy schedule must satisfy Code §411(a)(2).]

 

[n/a]                       (d) Separate
vesting election for regular matching contributions.  In lieu of the election under (a), (b) or (c),
the following vesting schedule applies to a Participant’s regular matching
contributions: (Choose one of (1) or (2))

 

[n/a]                       (1) 100% Vested at all times.

 

11

 

[n/a]                       (2) Regular matching vesting schedule:              .

[Note: The vesting schedule completed under (d)(2) must comply with Code
§411(a)(4).]

 

[n/a]                       (e) Application
of top-heavy schedule.  The
non-top-heavy schedule elected under (c) applies in all Plan Years in which the
Plan is not a top-heavy plan.  [Note: If the Employer does not elect (e), the
top-heavy vesting schedule will apply for the first Plan Year in which the Plan
is top-heavy and then in all subsequent Plan Years.]

 

[n/a]                       (f) Special
vesting provisions:           
..  [Note:  Any special vesting
provision must satisfy Code §411(a).
 Any special vesting provision must be
definitely determinable, not discriminate in favor of Highly Compensated
Employees and not violate Code §401(a)(4).]

 

23.           YEAR OF SERVICE - VESTING (5.06).
 (Choose
(a) and (b)): [Note: If the
Employer elects the Elapsed Time Method or elects immediate vesting, the
Employer should not complete (a) or (b).]

 

[n/a]                       (a) Year of
Service.  An Employee must
complete at least               Hours of
Service during a vesting computation period to receive credit for a Year of
Service under Article V.  [Note: The number may not exceed 1,000.  If left blank, the requirement is 1,000.]

 

[n/a]                       (b) Vesting
computation period.  The Plan
measures a Year of Service on the basis of the following 12-consecutive month
period: (Choose one of (1) or (2))

 

[n/a]                       (1) Plan Year.

 

[n/a]                       (2) Employment year (anniversary of Employment
Commencement Date).

 

24.           EXCLUDED YEARS OF SERVICE - VESTING (5.08).
 The Plan excludes the following Years of
Service for purposes of vesting: (Choose (a)
or choose one or more of (b) through (f) as applicable)

 

[n/a]        (a) None.  None other than as specified in Plan Section
5.08(a).

 

[n/a]        (b) Age 18.  Any Year of Service before the Year of Service
during which the Participant attained the age of 18.

 

[n/a]                       (c) Prior to
Plan establishment.  Any Year
of Service during the period the Employer did not maintain this Plan or a
predecessor plan.

 

[n/a]        (d) Parity Break in Service.  Any Year of Service excluded under the rule of
parity.  See Plan Section 5.10.

 

[n/a]        (e) Prior Plan terms.  Any Year of Service disregarded under the
terms of the Plan as in effect prior to this restated Plan.

 

[n/a]        (f) Additional exclusions.  Any Year of Service before:               .

[Note: Any exclusion specified under (f) must comply with Code §411(a)(4).  Any
exclusion must be definitely determinable, not discriminate in favor of Highly
Compensated Employees and not violate Code §401(a)(4).  If the
Employer elects immediate vesting, the Employer should not complete Section
5.08.]

 

ARTICLE VI

DISTRIBUTION
OF ACCOUNT BALANCE

 

25.           TIME OF PAYMENT OF ACCOUNT BALANCE (6.01).
 The following time of distribution
elections apply to the Plan:

 

Separation
from Service/Vested Account Balance not exceeding $5,000.  Subject
to the limitations of Plan Section 6.01(A)(1), the Trustee will distribute in a
lump sum (regardless of the Employer’s election under Section 6.04) a separated
Participant’s Vested Account Balance not exceeding $5,000: (Choose one of (a) through (d))

 

[X]                               (a) Immediate.
 As soon as administratively
practicable following the Participant’s Separation from Service.

 

[n/a]                       (b) Designated
Plan Year.  As soon as
administratively practicable in the            Plan
Year beginning after the Participant’s Separation from Service.

 

[n/a]                       (c) Designated
Plan Year quarter.  As soon as
administratively practicable in the            Plan
Year quarter beginning after the Participant’s Separation from Service.

 

[n/a]                       (d) Designated
distribution.  As soon as
administratively practicable in the:           following
the Participant’s Separation from Service.  [Note: The
designated distribution time must be the same for all Participants, be
definitely determinable, not discriminate in favor of Highly Compensated
Employees and not violate Code §401(a)(4).]

 

12

 

Separation
from Service/Vested Account Balance exceeding $5,000.  A
separated Participant whose Vested Account Balance exceeds $5,000 may elect to
commence distribution of his/her Vested Account Balance no earlier than: (Choose one of (e) through (i).  Choose (j) if applicable)

 

[X]                               (e) Immediate.
 As soon as administratively
practicable following the Participant’s Separation from Service.

 

[n/a]                       (f) Designated
Plan Year.  As soon as
administratively practicable in the               Plan
Year beginning after the Participant’s Separation from Service.

 

[n/a]                       (g) Designated
Plan Year quarter.  As soon as
administratively practicable in the             Plan
Year quarter following the Plan Year quarter in which the Participant elects to
receive a distribution.

 

[n/a]                       (h) Normal
Retirement Age.  As soon as
administratively practicable after the close of the Plan Year in which the
Participant attains Normal Retirement Age and within the time required under
Plan Section 6.01(A)(2).

 

[n/a]                       (i) Designated
distribution.  As soon as
administratively practicable in the:         following
the Participant’s Separation from Service.  [Note: The
designated distribution time must be the same for all Participants, be
definitely determinable, not discriminate in favor of Highly Compensated
Employees and not violate Code §401(a)(4).]

 

[n/a]                       (j) Limitation
on Participant’s right to delay distribution.  A Participant may not elect to delay
commencement of distribution of his/her Vested Account Balance beyond the later
of attainment of age 62 or Normal Retirement Age.  [Note: If
the Employer does not elect (j), the Plan permits a Participant who has
Separated from Service to delay distribution until his/her required beginning
date.  See Plan Section 6.01(A)(2).]

 

Participant
elections prior to Separation from Service.  A
Participant, prior to Separation from Service may elect any of the following
distribution options in accordance with Plan Section 6.01(C).  (Choose (k)
or choose one or more of (l) through (o) as applicable).  [Note:
If the Employer elects any in-service distributions option, a Participant may
elect to receive one in-service distribution per Plan Year unless the Plan’s
in-service distribution form provides for more frequent in-service
distributions.]

 

[n/a]                       (k) None. A Participant does not have any
distribution option prior to Separation from Service, except as may be provided
under Plan Section 6.01(C).

 

[X]                               (l) Deferral
contributions.  Distribution
of all or any portion (as permitted by the Plan) of a Participant’s Account
Balance attributable to deferral contributions if: (Choose one or more of (1), (2) or (3) as applicable)

 

[X]                               (1) Hardship
(safe harbor hardship rule).  The
Participant has incurred a hardship in accordance with Plan Sections 6.09 and
14.11(A).

 

[X]                               (2) Age. The Participant has attained age 65 (Must be at least age 59 1/2).

 

[n/a]                       (3) Disability. The Participant has incurred a
Disability.

 

[X]                               (m) Qualified
nonelective contributions/qualified matching contributions/safe harbor
contributions.  Distribution
of all or any portion of a Participant’s Account Balance attributable to
qualified nonelective contributions, to qualified matching contributions, or to
401(k) safe harbor contributions if: (Choose
(1) or (2) or both as applicable)

 

[X]                               (1) Age. The Participant has attained age 65 (Must be at least age 59 1/2).

 

[n/a]                       (2) Disability. The Participant has incurred a
Disability.

 

[X]                               (n) Nonelective
contributions/regular matching contributions.  Distribution of all or any portion
of a Participant’s Vested Account Balance attributable to nonelective
contributions or to regular matching contributions if: (Choose one or more of (1) through (5) as applicable)

 

[X]          (1)
Age/Service conditions.  (Choose one
or more of a. through d. as applicable):

 

[X]                               a. Age. The Participant has attained age 65.

 

[n/a]                       b. Two-year
allocations.  The Plan
Administrator has allocated the contributions to be distributed for a period of
not less than             Plan
Years before the distribution date.  [Note: The minimum number of years is 2.]

 

[n/a]                       c. Five
years of participation.  The
Participant has participated in the Plan for at least              Plan Years.  [Note: The
minimum number of years is 5.]

 

13

 

[n/a]        d. Vested. The Participant is             % Vested in his/her Account
Balance.  See Plan Section 5.03(A).  [Note:
If an Employer makes more than one election
under Section 6.01(n)(1), a Participant must satisfy all conditions before the
Participant is eligible for the distribution.]

 

[n/a]                       (2) Hardship. The Participant has incurred a hardship
in accordance with Plan Section 6.09.

 

[n/a]                       (3) Hardship
(safe harbor hardship rule).  The
Participant has incurred a hardship in accordance with Plan Sections 6.09 and
14.11(A).

 

[n/a]                       (4) Disability. The Participant has incurred a
Disability.

 

[n/a]                       (5) Designated
condition.  The Participant
has satisfied the following condition(s):             .

[Note: Any designated condition(s) must be the same for all
Participants, be definitely determinable and not discriminate in favor of
Highly Compensated Employees.]

 

[X]          (o) Participant
contributions.  Distribution
of all or any portion of a Participant’s Account Balance attributable to the
following Participant contributions described in Plan Section 4.01: (Choose one of (1), (2) or (3))

 

[X]                               (1) All
Participant contributions.

 

[n/a]                       (2) Employee
contributions only.

 

[n/a]                       (3) Rollover
contributions only.

 

Participant
loan default/offset.  See Section 6.08 of the Plan.

 

26.           DISTRIBUTION METHOD (6.03).
 A separated Participant whose Vested
Account Balance exceeds $5,000 may elect distribution under one of the
following method(s) of distribution described in Plan Section 6.03: (Choose one or more of (a) through (d) as applicable)

 

[X]          (a)
Lump sum.

 

[X]          (b)
Installments.

 

[n/a]        (c) Installments for required minimum distributions only.

 

[n/a]        (d) Annuity distribution option(s):                .

[Note: Any optional method of distribution may not be subject to
Employer, Plan Administrator or Trustee discretion.]

 

27.           JOINT AND SURVIVOR ANNUITY REQUIREMENTS (6.04).
 The joint and survivor annuity distribution
requirements of Plan Section 6.04: (Choose
one of (a) or (b))

 

[X]                               (a) Profit
sharing plan exception.  Do
not apply to a Participant, unless the Participant is a Participant described
in Section 6.04(H) of the Plan.

 

[n/a]        (b) Applicable.  Apply to all Participants.

 

ARTICLE IX

PLAN
ADMINISTRATOR - DUTIES WITH RESPECT TO PARTICIPANTS’ ACCOUNTS

 

28.           ALLOCATION OF NET INCOME, GAIN OR LOSS (9.08).
 For each type of contribution provided
under the Plan, the Plan allocates net income, gain or loss using the following
method: (Choose one or more of (a) through
(e) as applicable)

 

[X]          (a)
Deferral contributions/Employee
contributions.  (Choose one or more of (1) through (5) as applicable)

 

[X]                               (1) Daily
valuation method.  Allocate on
each business day of the Plan Year during which Plan assets for which there is
an established market are valued and the Trustee is conducting business.

 

[n/a]                       (2) Balance
forward method.  Allocate
using the balance forward method.

 

[n/a]                       (3) Weighted
average method.  Allocate
using the weighted average method, based on the following weighting period:             .
 See Plan Section 14.12.

 

**6.03(a)
amended 9/03

 

14

 

[n/a]                       (4) Balance
forward method with adjustment.  Allocate pursuant to the balance forward
method, except treat as part of the relevant Account at the beginning of the
valuation period         % of the
contributions made during the following valuation period:             .

 

[n/a]                       (5) Individual
account method.  Allocate
using the individual account method.  See
Plan Section 9.08.

 

[X]          (b)
Matching contributions.  (Choose one
or more of (1) through (5) as applicable)

 

[X]                               (1) Daily
valuation method.  Allocate on
each business day of the Plan Year during which Plan assets for which there is
an established market are valued and the Trustee is conducting business.

 

[n/a]                       (2) Balance
forward method.  Allocate
using the balance forward method.

 

[n/a]                       (3) Weighted
average method.  Allocate
using the weighted average method, based on the following weighting
period:             .  See Plan Section 14.12.

 

[n/a]                       (4) Balance
forward method with adjustment.  Allocate pursuant to the balance forward
method, except treat as part of the relevant Account at the beginning of the
valuation period         % of the
contributions made during the following valuation period:             .

 

[n/a]                       (5) Individual
account method.  Allocate
using the individual account method.  See
Plan Section 9.08.

 

[n/a]        (c) Employer nonelective contributions.  (Choose one
or more of (1) through (5) as applicable)

 

[n/a]                       (1) Daily
valuation method.  Allocate on
each business day of the Plan Year during which Plan assets for which there is
an established market are valued and the Trustee is conducting business.

 

[n/a]                       (2) Balance
forward method.  Allocate
using the balance forward method.

 

[n/a]                       (3) Weighted
average method.  Allocate
using the weighted average method, based on the following weighting
period:             .  See Plan Section 14.12.

 

[n/a]                       (4) Balance
forward method with adjustment.  Allocate pursuant to the balance forward
method, except treat as part of the relevant Account at the beginning of the
valuation period         % of the
contributions made during the following valuation period:             .

 

[n/a]                       (5) Individual
account method.  Allocate
using the individual account method.  See
Plan Section 9.08.

 

[n/a]        (d) Specified method.  Allocate pursuant to the following
method:             .

[Note: The specified method must be a definite predetermined formula
which is not based on Compensation, which satisfies the nondiscrimination
requirements of Treas. Reg. §1.401(a)(4) and which is applied uniformly to all
Participants.]

 

[n/a]                       (e) Interest
rate factor.  In accordance
with Plan Section 9.08(E), the Plan includes interest at the following rate on
distributions made more than 90 days after the most recent valuation date:             .

 

ARTICLE X

TRUSTEE AND
CUSTODIAN, POWERS AND DUTIES

 

29.           INVESTMENT POWERS (10.03).
 The following additional investment
options or limitations apply under Plan Section 10.03:  the aggregate investments in qualifying
Employer securities and in qualifying Employer real property may not exceed
100% of Plan assects n/a.  [Note: Enter “N/A” if not applicable.]

 

30.           VALUATION OF TRUST (10.15).
 In addition to the last day of the Plan
Year, the Trustee must value the Trust Fund on the following valuation date(s):
(Choose one of (a) through (d))

 

[X]                               (a) Daily
valuation dates.  Each
business day of the Plan Year on which Plan assets for which there is an
established market are valued and the Trustee is conducting business.

 

[n/a]        (b) Last day of a specified period.  The last day of each              of
the Plan Year.

 

[n/a]        (c) Specified dates:                .

 

[n/a]        (d) No additional valuation dates.

 

15

 

Execution
Page

 

The Trustee (and Custodian,
if applicable), by executing this Adoption Agreement, accepts its position and
agrees to all of the obligations, responsibilities and duties imposed upon the
Trustee (or Custodian) under the Prototype Plan and Trust.  The Employer hereby agrees to the provisions
of this Plan and Trust, and in witness of its agreement, the Employer by its
duly authorized officers, has executed this Adoption Agreement, and the Trustee
(and Custodian, if applicable) has signified its acceptance, on: October
10, 2002.

 

	
   

  	
   

  	
  Name of Employer: EXCO
  Resources, Inc. Employees Savings Trust

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  Employer’s EIN: 74-1492779

  
	
   

  	
   

  	
  Signed:

  	
   

  	
  /s/
  T.W. Eubank

  
	
   

  	
   

  	
   

  	
  T.W. Eubank, President

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  Name(s) of Trustee:

  
	
   

  	
   

  	
  J. Douglas Ramsey

  
	
   

  	
   

  	
  Charles R. Evans

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  Trust EIN (Optional):

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
  Signed:

  	
   

  	
  /s/
  J. Douglas Ramsey

  
	
   

  	
   

  	
   

  	
  J.
  Douglas Ramsey

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  Signed:

  	
  /s/
  Charles R. Evans

  
	
   

  	
   

  	
   

  	
  Charles
  R. Evans

  
									

 

31.           Plan Number.  The
3-digit plan number the Employer assigns to this Plan for ERISA reporting
purposes (Form 5500 Series) is: 001.

 

Use of
Adoption Agreement.  Failure to complete properly the elections in
this Adoption Agreement may result in disqualification of the Employer’s Plan.  The Employer only may use this Adoption
Agreement in conjunction with the basic plan document referenced by its
document number on Adoption Agreement page one.

 

Execution
for Page Substitution Amendment Only.  If this paragraph is completed,
this Execution Page documents an amendment to Adoption Agreement Section(s) effective                    ,
by substitute Adoption Agreement page number(s)        .

 

Prototype
Plan Sponsor.  The Prototype Plan Sponsor identified on the
first page of the basic plan document will notify all adopting employers of any
amendment of this Prototype Plan or of any abandonment or discontinuance by the
Prototype Plan Sponsor of its maintenance of this Prototype Plan.  For inquiries regarding the adoption of the Prototype
Plan, the Prototype Plan Sponsor’s intended meaning of any Plan provisions or
the effect of the opinion letter issued to the Prototype Plan Sponsor, please
contact the Prototype Plan Sponsor at the following address and telephone
number: 1809 24th Street, Great Bend, Kansas 
67530, (620) 793-8473.

 

Reliance on
Sponsor Opinion Letter.  The Prototype Plan Sponsor has obtained
from the IRS an opinion letter specifying the form of this Adoption Agreement
and the basic plan document satisfy, as of the date of the opinion letter, Code
§401.  An adopting Employer may rely on
the Prototype Sponsor’s IRS opinion letter only
to the extent provided in Announcement 2001-77, 2001-30 I.R.B.  The Employer may not rely on the opinion
letter in certain other circumstances or with respect to certain qualification
requirements, which are specified in the opinion letter and in Announcement
2001-77.  In order to have reliance in
such circumstances or with respect to such qualification requirements, the
Employer must apply for a determination letter to Employee Plans Determinations
of the Internal Revenue Service.

 

16

 

PARTICIPATION
AGREEMENT

 

[X] Check
here if not applicable and do not
complete this page.

 

The undersigned Employer, by
executing this Participation Agreement, elects to become a Participating
Employer in the Plan identified in Section 1.21 of the accompanying Adoption
Agreement, as if the Participating Employer were a signatory to that Adoption
Agreement.  The Participating Employer
accepts, and agrees to be bound by, all of the elections granted under the
provisions of the Prototype Plan as made by the Signatory Employer to the
Execution Page of the Adoption Agreement, except as otherwise provided in this
Participation Agreement.

 

32. EFFECTIVE DATE  (1.10).  The Effective Date of the Plan for the
Participating Employer is:                               .

 

33. NEW PLAN/RESTATEMENT.
 The Participating Employer’s adoption of
this Plan constitutes: (Choose one of (a) or
(b)) 

 

[n/a]        (a)
The adoption of a new plan by the Participating Employer.

 

[n/a]                       (b) The adoption of an amendment and
restatement of a plan currently maintained by the Participating Employer,
identified as:       , and having an
original effective date of:                                                                                                                               .

 

34.                                 PREDECESSOR EMPLOYER SERVICE (1.30).
 In addition to the predecessor service
credited by reason of Section 1.30 of the Plan, the Plan credits as Service
under this Plan, service with this Participating Employer.  (Choose one
or more of (a) through (d) as applicable): [Note: If the Plan does not credit any additional
predecessor service under Section 1.30 for this Participating Employer, do not
complete this election.]

 

[n/a]        (a) Eligibility.  For
eligibility under Article II.  See Plan
Section 1.30 for time of Plan entry.

 

[n/a]        (b) Vesting.  For
vesting under Article V.

 

[n/a]        (c) Contribution allocation.  For contribution allocations under Article
III.

 

[n/a]        (d) Exceptions.  Except for the following Service:               .

 

	
  Name of Plan:

  	
  Name of Participating
  Employer:

  
	
   

  	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  Signed:

  	
   

  
	
   

  	
  [Name/Title]

  
	
   

  	
   

  
	
   

  	
  [Date]

  
	
   

  	
  Participating Employer’s
  EIN:

  	
   

  
	
   

  	
   

  
	
  Acceptance
  by the Signatory Employer to the Execution Page of the Adoption Agreement and
  by the Trustee.

  
	
   

  
	
  Name of Signatory Employer:

  	
   

  	
  Name(s) of Trustee:

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
  [Name/Title]

  	
   

  	
  [Name/Title]

  
	
   

  	
   

  	
   

  
	
  Signed:

  	
   

  	
   

  	
  Signed:

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
  [Date]

  	
   

  	
  [Date]

  
								

 

[Note: Each Participating Employer must execute a separate Participation
Agreement.  If the Plan does not have a
Participating Employer, the Signatory Employer may delete this page from the
Adoption Agreement.]

 

17

 

APPENDIX A

TESTING
ELECTIONS/EFFECTIVE DATE ADDENDUM

 

35.           The following testing elections and special
effective dates apply: (Choose one or more
of (a) through (n) as applicable)

 

[n/a]                       (a) Highly
Compensated Employee (1.14).  For
Plan Years beginning after             ,
the Employer makes the following election(s) regarding the definition of Highly
Compensated Employee:

 

(1)   [n/a]        Top paid group election.

 

(2)   [n/a]        Calendar year data election (fiscal year plan).

 

[n/a]                       (b) 401(k)
current year testing.  The
Employer will apply the current year testing method in applying the ADP and ACP
tests effective for Plan Years beginning after:             .
 [Note:
For Plan Years beginning on or after the Employer’s execution  of its “GUST” restatement, the Employer must use the
same testing method within the same Plan Year for both the ADP and ACP tests.]

 

[n/a]                       (c) Compensation. The Compensation definition under
Section 1.07 will apply for Plan Years beginning after:             .

 

[n/a]                       (d) Election
not to participate.  The
election not to participate under Section 2.06 is effective:             .

 

[n/a]                       (e) 401(k)
safe harbor.  The 401(k) safe
harbor provisions under Section 3.01(d) are effective:             .

 

[n/a]                       (f) Negative
election.  The negative
election provision under Section 3.02(b) is effective:             .

 

[n/a]        (g) Contribution/allocation
formula.  The specified
contribution(s) and allocation method(s) under Sections 3.01 and 3.04 are
effective:             .

 

[n/a]        (h) Allocation conditions.  The allocation conditions of Section 3.06 are
effective:             .

 

[n/a]        (i) Benefit payment elections.  The distribution elections of Section(s)              are effective:             .

 

[n/a]                       (j) Election
to continue pre-SBJPA required beginning date.  A Participant may not elect to defer
commencement of the distribution of his/her Vested Account Balance beyond the
April 1 following the calendar year in which the Participant attains age 70
1/2.  See Plan Section 6.02(A).

 

[n/a]                       (k) Elimination
of age 70 1/2 in-service distributions.  The Plan eliminates a Participant’s (other
than a more than 5% owner) right to receive in-service distributions on April 1
of the calendar year following the year in which the Participant attains age 70
1/2 for Plan Years beginning after:           
 .

 

[n/a]        (l) Allocation of earnings.  The earnings allocation provisions under
Section 9.08 are effective:             .

 

[X]                               (m) Elimination
of optional forms of benefit.  The Employer elects prospectively to eliminate
the following optional forms of benefit: (Choose
one or more of (1), (2) and (3) as applicable)

 

[n/a]                       (1) QJSA and QPSA benefits as described in
Plan Sections 6.04, 6.05 and 6.06 effective:             .

 

[n/a]                       (2) Installment distributions as described in
Section 6.03 effective:             .

 

[X]                               (3) Other optional forms of benefit (Any election to eliminate must be consistent with
Treas. Reg. §1.411(d)-4): Effective July 1, 2005, a distribution of
the Participant’s account will be made in a lump sum cash payment.  If elected, the Participant’s account will be
made as an in-kind distribution if the account includes limited partnerships,
Individual Directed Accounts (IDA), Self-Directed Brokerage Accounts, employer
stock and/or other types of property not in the form of marketable securities.***** 

 

[X]                               (n) Special
effective date(s): Section 1.30 Predecessor Service effective
October 1, 2000; Section 1.30(c) Predecessor Employer Service for contribution
allocation effective January 1 2002; Section 3.02 Deferral limitation effective
January 1, 2002; Section 3.04(F) allocation of QNECs effective January 1,
2002;  Section 3.05 Forfeiture allocation
effective January 1, 2002.**

 

For periods prior to the
above-specified special effective date(s), the Plan terms in effect prior to
its restatement under this Adoption Agreement will control for purposes of the
designated provisions.  A special
effective date may not result in the delay of a Plan provision beyond the
permissible effective date under any applicable law.

 

**35(n)
amended 9/03 

*****Amended
7/1/05*****

 

18

 

APPENDIX B

GUST
Remedial Amendment Period Elections

 

36.           The following GUST restatement elections
apply: (Choose one or more of (a) through
(j) as applicable)

 

[n/a]                       (a)           Highly Compensated Employee
elections.  The Employer makes
the following remedial amendment period elections with respect to the Highly
Compensated Employee definition:

 

	
  (1)

  	
  1997:

  	
  [n/a]

  	
  Top paid group election.

  	
  [n/a]

  	
  Calendar year election.

  
	
   

  	
   

  	
  [n/a]

  	
  Calendar year data election.

  	
   

  	
   

  
	
  (2)

  	
  1998:

  	
  [n/a]

  	
  Top paid group election.

  	
  [n/a]

  	
  Calendar year data
  election.

  
	
  (3)

  	
  1999:

  	
  [n/a]

  	
  Top paid group election.

  	
  [n/a]

  	
  Calendar year data
  election.

  
	
  (4)

  	
  2000:

  	
  [n/a]

  	
  Top paid group election.

  	
  [n/a]

  	
  Calendar year data
  election.

  
	
  (5)

  	
  2001:

  	
  [n/a]

  	
  Top paid group election.

  	
  [n/a]

  	
  Calendar year data
  election.

  
	
  (6)

  	
  2002:

  	
  [n/a]

  	
  Top paid group election.

  	
  [n/a]

  	
  Calendar year data
  election.

  

 

[X]                               (b)           401(k) testing methods.  The Employer makes the following remedial
amendment period elections with respect to the ADP test and the ACP test: [Note: The Employer may use a different testing method
for the ADP and ACP tests through the end  of the Plan Year in which the Employer executes its GUST restated Plan.]

 

	
  ADP test

  	
  ACP test

  
	
  (1)

  	
  1997:

  	
  [n/a] prior year

  	
  [n/a]

  	
  current year

  	
  1997:

  	
  [n/a] prior year

  	
  [n/a]

  	
  current year

  
	
  (2)

  	
  1998:

  	
  [n/a] prior year

  	
  [n/a]

  	
  current year

  	
  1998:

  	
  [n/a] prior year

  	
  [n/a]

  	
  current year

  
	
  (3)

  	
  1999:

  	
  [n/a] prior year

  	
  [X]

  	
  current year

  	
  1999:

  	
  [n/a] prior year

  	
  [X]

  	
  current year

  
	
  (4)

  	
  2000:

  	
  [n/a] prior year

  	
  [X]

  	
  current year

  	
  2000:

  	
  [n/a] prior year

  	
  [X]

  	
  current year

  
	
  (5)

  	
  2001:

  	
  [n/a] prior year

  	
  [X]

  	
  current year

  	
  2001:

  	
  [n/a] prior year

  	
  [X]

  	
  current year

  
	
  (6)

  	
  2002:

  	
  [n/a] prior year

  	
  [n/a]

  	
  current year

  	
  2002:

  	
  [n/a] prior year

  	
  [n/a]

  	
  current year

  

 

[n/a]                       (c) Delayed
application of SBJPA required beginning date.  The Employer elects to delay the effective
date for the required beginning date provision of Plan Section 6.02 until Plan
Years beginning after:             .

 

[n/a]                       (d) Model
Amendment for required minimum distributions.  The Employer adopts the IRS Model Amendment in
Plan Section 6.02(E) effective            
..  [Note: The date must not be earlier than January 1, 2001.]

 

Defined
Benefit Limitation

 

[n/a]                       (e) Code
§415(e) repeal.  The repeal of
the Code §415(e) limitation is effective for Limitation Years beginning
after             .

[Note: If the Employer does not make an election under (e), the repeal
is effective for Limitation Years beginning after December 31, 1999.]

 

Code §415(e)
limitation.  To the extent necessary to satisfy the
limitation under Plan Section 3.17 for Limitation Years beginning prior to the
repeal of Code §415(e), the Employer will reduce: (Choose one of (f) or (g))

 

[n/a]        (f)
The Participant’s projected annual benefit under the defined benefit plan.

 

[n/a]                       (g) The Employer’s contribution or allocation
on behalf of the Participant to the defined contribution plan and then, if
necessary, the Participant’s projected annual benefit under the defined benefit
plan.

 

Coordination
with top-heavy minimum allocation.  The Plan Administrator will
apply the top-heavy minimum allocation provisions of Article XII with the
following modifications: (Choose (h) or
choose (i) or (j) or both as applicable)

 

[n/a]        (h)
No modifications.

 

[n/a]                       (i) For Non-Key Employees participating only
in this Plan, the top-heavy minimum allocation is the minimum allocation
determined by substituting         % (not
less than 4%) for “3%,” except: (Choose one
of (1) or (2))

[n/a]        (1) No exceptions.

[n/a]        (2) Plan Years in which the top-heavy ratio
exceeds 90%.

 

[n/a]                       (j) For Non-Key Employees also participating
in the defined benefit plan, the top-heavy minimum is: (Choose one of (1) or (2))

[n/a]                       (1) 5% of Compensation irrespective of the
contribution rate of any Key Employee: (Choose
one of a. or b.)

[n/a]        a.
No exceptions.

[n/a]        b.
Substituting “7 1/2%” for “5%” if the top-heavy ratio does not exceed 90%.

[n/a]                       (2) 0%. [Note:
The defined benefit plan must satisfy the top-heavy minimum benefit requirement
for these Non-Key Employees.]

 

Actuarial
assumptions for top-heavy calculation.  To determine the top-heavy ratio, the Plan
Administrator will use the following interest rate and mortality assumptions to
value accrued benefits under a defined benefit plan:               .

 

19

 

CHECKLIST OF
EMPLOYER INFORMATION AND EMPLOYER ADMINISTRATIVE ELECTIONS

 

Commencing with the 2002 Plan Year

 

The Prototype Plan permits
the Employer to make certain administrative elections not reflected in the
Adoption Agreement.  This form lists
those administrative elections and provides a means of recording the Employer’s
elections.  This checklist is not part of the Plan document.

 

37.           Employer Information.

 

	
   

  	
  EXCO Resources, Inc.
  Employees Savings Trust

  
	
   

  	
  [Employer Name]

  
	
   

  	
  12377 Merit Drive, Suite
  1700***

  
	
   

  	
  [Address]

  
	
   

  	
   

  
	 
	
   

  	
  Dallas, Texas 75251***

  	
   

  	
  (214) 368-2084

  	 

	 
	
   

  	
  [City, State and Zip Code]

  	
   

  	
  [Telephone Number]

  	
   

  	 

							

 

	
  38.

  	
  Form of
  Business.

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
  (a)

  	
  [X]

  	
  Corporation

  	
  (b)

  	
  [n/a]

  	
  S Corporation

  
	
   

  	
  (c)

  	
  [n/a]

  	
  Limited Liability Company

  	
  (d)

  	
  [n/a]

  	
  Sole Proprietorship

  
	
   

  	
  (e)

  	
  [n/a]

  	
  Partnership

  	
  (f)

  	
  [n/a]

  	
   

  

 

39.                                 Section 1.07(F) -
Nondiscriminatory definition of Compensation. When testing nondiscrimination under the
Plan, the Plan permits the Employer to make elections regarding the definition
of Compensation.  [Note: This election solely is for purposes of
nondiscrimination testing.  The election
does not affect the Employer’s elections under Section 1.07 which apply for
purposes of allocating Employer contributions and Participant forfeitures.]

 

(a)           [X] The Plan
will “gross up” Compensation for Elective Contributions.

 

(b)           [n/a] The
Plan will exclude Elective Contributions. 

 

40.           Section 4.04 - Rollover contributions.

 

(a)           [X] The Plan
accepts rollover contributions.

 

(b)           [n/a] The
Plan does not accept rollover
contributions.

 

41.                                 Section 8.06 - Participant
direction of investment/404(c).  The Plan authorizes Participant
direction of investment with Trustee consent.  If the Trustee permits Participant direction
of investment, the Employer and the Trustee should adopt a policy which
establishes the applicable conditions and limitations, including whether they
intend the Plan to comply with ERISA §404(c).

 

(a)           [X] The Plan
permits Participant direction of investment and is a 404(c) plan.

 

(b)           [n/a] The
Plan does not permit Participant
direction of investment or is a non-404(c) plan.

 

42.                                 Section 9.04[A] - Participant
loans.  The Plan authorizes the Plan Administrator to
adopt a written loan policy to permit Participant loans.

 

(a)           [X] The Plan
permits Participant loans subject to the following conditions:

 

(1)           [X]          Minimum loan amount: $  1000     
..

(2)           [X]          Maximum number of
outstanding loans:      2       .****

(3)           [X]          Reasons for which a
Participant may request a loan:

a.             [X] Any purpose.

b.             [n/a] Hardship
events.

c.             [n/a] Other:              .

 

(4)           [X]          Suspension of loan
repayments:

a.             [n/a] Not
permitted.

b.             [X] Permitted
for non-military leave of absence.

c.             [X] Permitted
for military service leave of absence.

(5)           [X]          The Participant must be a
party in interest.**

(b)           [n/a] The
Plan does not permit Participant
loans.

 

43.           Section 11.01 - Life
insurance.  The Plan with
Employer approval authorizes the Trustee to acquire life insurance.

 

(a)           [n/a]        The Plan will invest in life
insurance contracts.

 

(b)           [X]          The Plan will not invest in life insurance contracts.

 

44.           Surety bond company:            .
 Surety bond amount:  $            

 

**42(a)(5)
amended 9/03   *** 37. amended 10/27/2004
amendaddress***

**** Amended
effective 1/1/2005 amendloanprogram0105****

*****Amended
7/1/05*****

 

20

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