Document:

Exhibit 10.1

                               GRAPHON CORPORATION

                             DIRECTOR SEVERANCE PLAN

SECTION 1.  INTRODUCTION

      GraphOn Corporation Director Severance Plan (the "Plan") is designed to
provide certain benefits to eligible terminating directors.

SECTION 2.  ELIGIBILITY AND PARTICIPATION

      You become eligible to participate in the Plan if (i) you are a director
of GraphOn Corporation (the "Company"); (ii) you are notified in writing that
you are eligible to participate in the Plan; (iii) your services as a
non-employee director with the Company terminates due to an "Involuntary
Termination" (as hereinafter defined) or a "Constructive Termination" (as
hereinafter defined) within twelve (12) months following a "Designated Event"
(as hereinafter defined). You are not eligible for benefits under the Plan if
you are terminated due to death, disability or any other reason other than an
Involuntary Termination or a Constructive Termination that occurs within twelve
(12) months following a Designated Event.

      If you are eligible to participate in the Plan, you are automatically a
"Participant" in the Plan and may receive benefits as described below.
Participation ends when you are no longer eligible to receive any Plan benefits.

      For purposes of this Plan, the following terms shall have the meanings set
forth below:

      a. "Cause" means any one of the following:

           i. your conviction of any felony or of a misdemeanor involving fraud,
dishonesty or moral turpitude,

           ii. your loss of any professional license required to perform your
duties at the Company, or entry of an order or judgment by a tribunal or agency
which has the effect of prohibiting you from performing your duties at the
Company,

           iii. your violation of any law or significant policy of the Company
committed in connection with the performance of your duties, or your violation
of any other policy of the Company that would constitute grounds for immediate
dismissal in accordance with the terms of such policy, regardless of whether
within or outside the scope of your authority,

<PAGE>

           iv. your willful or intentional misconduct, recklessness or gross
negligence in the performance of your duties, regardless of whether within or
outside the scope of your authority at the Company,

           v. your failure or refusal to comply with a specific direction of the
person or persons you report to at the Company provided that to the extent such
failure or refusal is susceptible to cure, it is not cured to the best of your
ability within five (5) business days after the delivery of written notice of
such failure or refusal to you, or

           vi. you have engaged in an action or inaction which resulted in a
material loss, damage or an injury to the Company.

      b. "Constructive Termination" means that you voluntarily terminate your
service with the Company (and all other entities that together with the Company
would be treated as a single "service recipient" for purposes of Section 409A of
the Internal Revenue Code of 1986, as amended (the "Code")) after any of the
following acts or omissions are undertaken without your express written consent:

           i. a reduction by the Company in your annual director fee as in
effect immediately prior to a Designated Event; or

           ii. any failure by the Company to obtain the assumption of this Plan
by any successor or assign of the Company;

provided, however, that you do not resign your directorship unless and until you
have provided the Company with written notice of the acts or omissions that
constitute grounds for a Constructive Termination and the Company fails to cure
such acts or omissions within thirty (30) days after receiving such written
notice.

      c. "Designated Event" means any transaction or series of transactions that
constitute a change in the ownership or effective control of the Company, or in
the ownership of a substantial portion of the assets of the Company, as defined
in regulations promulgated under Section 409A of the Code.

      d. "Involuntary Termination" means your dismissal or discharge by the
Company (and all other entities that together with the Company would be treated
as a single "service recipient" for purposes of Section 409A of the Code) for
reasons other than for Cause. The termination of your position as director will
not be deemed to be an "Involuntary Termination" if your termination occurs as a
result of your death or disability.

SECTION 3.  BENEFITS

      As a Participant in the Plan, you are eligible to receive the following
benefits after your Constructive Termination or Involuntary Termination that
occurs within twelve (12) months following a Designated Event:

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<PAGE>

      a. Stock Options. Each outstanding stock option granted to you by the
Company prior to the Designated Event which remains outstanding immediately
prior to the occurrence of a Designated Event shall be fully vested and
exercisable as of the date of your Constructive Termination or Involuntary
Termination; provided, however, that if the Company's successor does not assume
the Company's stock options in connection with a Designated Event, your
outstanding stock options will become fully vested and exercisable immediately
prior to the occurrence of the Designated Event. In addition, unless the
Company's successor does not assume the Company's stock options in connection
with a Designated Event, the time within which each outstanding stock option may
be exercised shall be the period beginning as of the date of your Constructive
Termination or Involuntary Termination and ending on the earlier of (i) the
tenth (10th) anniversary of the date such options were granted or (ii) the date
on which such options would have expired if you had remained in continuous
service as a non-employee director of the Company through such expiration date.

      b. Parachute Payments. If any payment or benefit you would receive under
this Plan when combined with any other payment or benefit you receive after the
occurrence of the Designated Event that would constitute a "parachute payment"
within the meaning of Section 280G of the Code (a "Payment") that, but for this
sentence, would be subject to the excise tax imposed by Section 4999 of the Code
(the "Excise Tax"), then such Payments shall be reduced (with any cash Payments
being reduced before any Payment attributable to the accelerated vesting of
stock options or any other non-cash Payment) to such lesser amount as would
result in no portion of the Payments being subject to the Excise Tax.

SECTION 4.  ADMINISTRATION AND OPERATION OF THE PLAN

      The Company is the "plan sponsor" and the Board of Directors of the
Company (the "Board") is the administrator of the Plan. The Board has the sole
discretion to make such rules, regulations, interpretations of the Plan and
computations and shall take such other actions to administer the Plan as it may
deem appropriate in its sole discretion. Such rules, regulations,
interpretations, computations, and other actions shall be conclusive and binding
upon all persons. The Board may delegate any or all of its responsibilities
hereunder to a committee comprised of two or more directors of the Company (the
"Committee"). In addition, the Board or the Committee may engage the services of
such persons or organizations to render advice or perform services with respect
to its responsibilities under the Plan as the Board or the Committee, as
applicable shall determine to be necessary or appropriate. Such persons or
organizations may include (without limitation) actuaries, attorneys, accountants
and consultants.

                                       3
<PAGE>

SECTION 5.  BASIS OF PAYMENTS TO AND FROM THE PLAN

      All benefits under the Plan shall be paid by the Company. The Plan shall
be unfunded and benefits hereunder shall be paid only from the general assets of
the Company.

SECTION 6.  AMENDMENT AND TERMINATION

      The Company reserves the right to amend or terminate this Plan at any
time; provided, however, that this Plan may not be amended or terminated
following the occurrence of a Designated Event but shall, in any event,
terminate on December 31, 2010 if a Designated Event has not occurred before
that date.

SECTION 7.  NON-ALIENATION OF BENEFITS

      No Plan benefit may be anticipated, alienated, sold, transferred,
assigned, pledged, encumbered or charged, and any attempt to do so will be void.

SECTION 8.  LEGAL CONSTRUCTION

      This Plan shall be interpreted in accordance with the laws of the State of
California.

                                       4Exhibit 10.2

                               GRAPHON CORPORATION

                           KEY EMPLOYEE SEVERANCE PLAN

SECTION 1.  INTRODUCTION

      GraphOn Corporation Key Employee Severance Plan (the "Plan") is designed
to provide separation pay to eligible terminating employees.

SECTION 2.  ELIGIBILITY AND PARTICIPATION

      You become eligible to participate in the Plan if (i) you are an employee
of GraphOn Corporation or, if applicable, any successor entity (the "Company");
(ii) you are notified in writing that you are eligible to participate in the
Plan; (iii) your service with the Company terminates due to an "Involuntary
Termination" (as hereinafter defined) or a "Constructive Termination" (as
hereinafter defined) within twelve (12) months (twenty-four (24) months in the
case of senior management who are so notified in writing) following a
"Designated Event" (as hereinafter defined), and you agree and sign a waiver and
release upon such Termination. The business decisions that may result in your
becoming eligible to participate in the Plan are decisions to be made by the
Company in its sole discretion.

      If you are eligible to participate in the Plan, you are automatically a
"Participant" in the Plan and may receive benefits as described below.
Participation ends when you are no longer eligible to receive any Plan benefits.

      For purposes of this Plan, the following terms shall have the meanings set
forth below:

      a. "Cause" means any one of the following:

           i. your conviction of any felony or of a misdemeanor involving fraud,
dishonesty or moral turpitude,

           ii. your loss of any professional license required to perform your
duties at the Company, or entry of an order or judgment by a tribunal or agency
which has the effect of prohibiting you from performing your duties at the
Company,

           iii. your violation of any law or significant policy of the Company
committed in connection with the performance of your duties, or your violation
of any other policy of the Company that would constitute grounds for immediate
dismissal in accordance with the terms of such policy, regardless of whether
within or outside the scope of your authority,

<PAGE>

           iv. your willful or intentional misconduct, recklessness or gross
negligence in the performance of your duties, regardless of whether within or
outside the scope of your authority at the Company,

           v. your failure or refusal to comply with a specific direction of the
person or persons you report to at the Company provided that to the extent such
failure or refusal is susceptible to cure, it is not cured to the best of your
ability within five (5) business days after the delivery of written notice of
such failure or refusal to you, or

           vi. you have engaged in an action or inaction which resulted in a
material loss, damage or an injury to the Company.

      b. "Constructive Termination" means that you voluntarily terminate your
service with the Company (and all other entities that together with the Company
would be treated as a single "service recipient" for purposes of Section 409A of
the Internal Revenue Code of 1986, as amended (the "Code")) after any of the
following acts or omissions are undertaken without your express written consent:

           i. the assignment to you of any duties or responsibilities which
result in any material diminution in your position, status or circumstances of
employment as in effect immediately prior to a Designated Event, or your removal
from any of such positions, except in connection with the termination of your
employment for Cause;

           ii. a reduction by the Company in your annual base salary as in
effect immediately prior to a Designated Event;

           iii. your relocation, or the relocation of the Company's principal
executive offices if your principal office is at such offices, to a location
more than fifty (50) miles from the location at which you were performing your
duties prior to a Designated Event, except for required travel on the Company's
business to an extent substantially consistent with your business travel
obligations at the time of a Designated Event; or

           iv. any failure by the Company to obtain the assumption of this Plan
by any successor or assign of the Company;

provided, however, that you do not terminate your employment unless and until
you have provided the Company with written notice of the acts or omissions that
constitute grounds for a Constructive Termination and the Company fails to cure
such acts or omissions within thirty (30) days after receiving such written
notice.

      c. "Designated Event" means any transaction or series of transactions that
constitute a change in the ownership or effective control of the Company, or in
the ownership of a substantial portion of the assets of the Company, as defined
in regulations promulgated under Section 409A of the Code.

      d. "Involuntary Termination" means your dismissal or discharge by the
Company (and all other entities that together with the Company would be treated

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<PAGE>

as a single "service recipient" for purposes of Section 409A of the Code) for
reasons other than for Cause. The termination of your service will not be deemed
to be an "Involuntary Termination" if your termination occurs as a result of
your death or disability.

SECTION 3.  BENEFITS

      As a Participant in the Plan, you are eligible to receive the following
benefits commencing as of the date of your Constructive Termination or
Involuntary Termination that occurs within twelve (12) months (twenty-four (24)
months in the case of senior management who are so notified in writing)
following a Designated Event:

      a. Salary Continuation. The Company shall pay to you twelve (12) months
(twenty four (24) months in the case of senior management who are so notified in
writing) of base pay or salary. Such amount shall be paid to you in regular
installments on the normal payroll dates of the Company, shall be reduced by any
cash severance or similar cash benefit payable to you under any other plan,
policy or agreement of or with the Company or any affiliate, and shall be
subject to all required tax withholding.

      b. Bonuses. The Company shall pay to you an amount equal to any bonus to
which you would have been entitled under the Company's incentive bonus plan for
the twelve (12) months (twenty-four (24) months in the case of senior management
who are so notified in writing) following your termination of employment if (i)
you had remained continuously employed by the Company throughout such period and
to the bonus payment date in the same capacity in which you were employed upon
your termination of employment, (ii) the Company's incentive bonus plan had been
the same during such period as during the full year most recently completed
prior to the Designated Event, and (iii) you and the Company had achieved 100%
of any objectives affecting individual bonus amounts under such plan. Such
amount shall be determined at the time of your termination of employment and
paid to you in equal installments along with the salary continuation payments
described above.

      c. Health and Other Insurance Benefits. The Company shall pay on your
behalf (i) the group health insurance premium necessary to maintain the same or
equivalent group health insurance coverage for you and any persons covered as
your dependents on the date of your termination of employment, and (ii) the
premiums on any group life or other insurance which the Company was paying
immediately prior to your termination of employment, all such coverage to
continue for the number of months for which you are entitled to base pay or
salary continuation under the Plan (not to exceed twelve (12) months or
twenty-four (24) months in the case of senior management who are so notified in
writing) or in any case, if shorter, the period ending on the date you and your
dependents become covered under another group insurance plan providing similar
benefits. Such continuation of group health insurance coverage shall be applied
toward the Company's obligation under the Consolidated Omnibus Budget
Reconciliation Act of 1985, as amended ("COBRA"), and you and your eligible
dependents shall be entitled to maintain such coverage, at your and their
expense, for the balance of the period required by COBRA, if any, following such
continuation of coverage.

                                       3
<PAGE>

      d. Stock Options. Each outstanding stock option granted to you by the
Company prior to the Designated Event which remains outstanding immediately
prior to the occurrence of a Designated Event shall be fully vested and
exercisable as of the date of your Constructive Termination or Involuntary
Termination; provided, however, that if the Company's successor does not assume
the Company's stock options in connection with a Designated Event, your
outstanding stock options will become fully vested and exercisable immediately
prior to the occurrence of the Designated Event. In addition, unless the
Company's successor does not assume the Company's stock options in connection
with a Designated Event, the time within which each outstanding stock option may
be exercised shall be the period beginning as of the date of your Constructive
Termination or Involuntary Termination and ending on the earlier of (i) the
tenth (10th) anniversary the date on which the options were granted or (ii) the
date on which such options would have expired if you had remained in continuous
employment with the Company through such expiration date.

      e. Release. To receive benefits under this Plan, you must execute a
release of all claims against the Company, in a form that is satisfactory to the
Company, and such release must become effective in accordance with its terms.
You are not eligible for benefits under the Plan if your employment terminates
due to death, disability or any other reason other than an Involuntary
Termination or a Constructive Termination that occurs within twelve (12) months
(twenty-four (24) months in the case of executive officers who are so notified
in writing) following a Designated Event.

      f. Parachute Payments. If any payment or benefit you would receive under
this Plan when combined with any other payment or benefit you receive after the
occurrence of the Designated Event that would constitute a "parachute payment"
within the meaning of Section 280G of the Code (a "Payment") that, but for this
sentence, would be subject to the excise tax imposed by Section 4999 of the Code
(the "Excise Tax"), then such Payments shall be reduced (with cash Payments
being reduced before any Payment attributable to the accelerated vesting of
stock options or other non-cash Payments) to such lesser amount as would result
in no portion of the Payments being subject to the Excise Tax. Any cash payments
reduced pursuant to the preceding sentence shall be applied ratably to each
installment payment due under paragraph (a) and (b) before any other Payment is
reduced.

      g. Deferral of Payments Necessary to Avoid Taxation Under Code Section
409A. If you are a "specified employee" as defined in any specified employee
policy adopted by the Company in accordance with regulations promulgated under
Section 409A (or, if the Company has not adopted a specified employee policy, as
defined in the default provisions of regulations promulgated under Section 409A
of the Code), you will not receive any payments under paragraphs (a) and (b)
above during the six month period following your termination of service to the
extent that such payments exceed two times the lesser of (i) your compensation
for the calendar year preceding the calendar year in which your Constructive
Termination or Involuntary Termination occurs or the maximum amount of

                                       4
<PAGE>

compensation that may be taken into account under Code Section 401(a)(17) for
the year in which your Constructive Termination or Involuntary Termination
occurs. The amount, if any, by which the payments under paragraphs (a) and (b)
are reduced during such six month period pursuant to the preceding sentence
shall be paid to you in a lump sum six months after your Constructive
Termination or Involuntary Termination.

This Plan is intended to comply with the requirements of Code Section 409A and
shall be construed to prevent the imposition of tax penalties thereunder.

SECTION 4.  ADMINISTRATION AND OPERATION OF THE PLAN

      The Company is the "plan sponsor" and a committee of not fewer than two
(2) officers of the Company designated by the Board of Directors of the Company
(the "Committee") is the "administrator" of the Plan (the "Plan Administrator"),
as the terms "plan sponsor" and "administrator" are defined in the Employee
Retirement Income Security Act of 1974, as amended ("ERISA"). The Committee, in
its capacity as Plan Administrator is the named fiduciary that has the authority
to control and manage the operation and administration of the Plan. The
Committee has the sole discretion to make such rules, regulations,
interpretations of the Plan and computations and shall take such other actions
to administer the Plan as it may deem appropriate in its sole discretion. Such
rules, regulations, interpretations, computations, and other actions shall be
conclusive and binding upon all persons. The Committee may engage the services
of such persons or organizations to render advice or perform services with
respect to its responsibilities under the Plan as it shall determine to be
necessary or appropriate. Such persons or organizations may include (without
limitation) actuaries, attorneys, accountants and consultants.

      The responsibilities of the Company under the Plan shall be carried out on
its behalf by its directors, officers, employees and agents, acting on behalf or
in the name of the Company in their capacity as directors, officers, employees
and agents and not as individual fiduciaries. The Committee may delegate any of
its fiduciary responsibilities under the Plan to another person or persons
pursuant to a written instrument that specifies the fiduciary responsibilities
so delegated to each such person.

SECTION 5.  CLAIMS, INQUIRIES AND APPEALS

      Applications for Benefits and Inquiries. Applications for benefits should
be in writing, signed and submitted to: Plan Administrator, Key Employee
Severance Plan, GraphOn Corporation, 5400 Soquel Avenue Suite A-2, Santa Cruz,
CA 95062.

      Denial of Claims. If any application for benefits is denied in whole or in
part, the Plan Administrator must notify you, in writing, of the denial of the
application, and of your right to review the denial. The written notice of
denial will be set forth in a manner designed to be understood, and will include
specific reasons for the denial, specific references to the Plan provision upon

                                       5
<PAGE>

which the denial is based, a description of any information or material that the
Plan Administrator needs to complete the review and an explanation of the Plan's
review procedure.

      This written notice will be given to you within ninety (90) days after the
Plan Administrator receives the application, unless special circumstances
require an extension of time, in which case, the Plan Administrator has up to an
additional ninety (90) days for processing the application. If an extension of
time for processing is required, written notice of the extension will be
furnished to you before the end of the initial 90-day period.
      This notice of extension will describe the special circumstances
necessitating the additional time and the date by which the Plan Administrator
is to render its decision on the application. You will receive a written notice
of acceptance or denial of the application for benefits within the specified
time. If your benefits are denied, you will then be permitted to appeal the
denial in accordance with the review procedure described below.

      Request for Review. You (or your authorized representative) may appeal a
denied benefit claim by submitting a request for a review to: Review Panel, Key
Employee Severance Plan, GraphOn Corporation, 5400 Soquel Avenue Suite A-2,
Santa Cruz, CA 95062. The Review Panel shall be comprised of two (2) or more
persons to be appointed by the Company. Your appeal must be submitted within
sixty (60) days after the application is denied. The Review Panel will give you
(or your representative) an opportunity to review pertinent documents in
preparing a request for a review.

      A request for review must set forth all of the grounds on which it is
based, all facts in support of the request and any other matters that you or
your representative believe are pertinent. The Review Panel may require you or
your representative to submit additional facts, documents or other material as
it may find necessary or appropriate in making its review.

      Decision on Review. The Review Panel will act on each request for review
within sixty (60) days after receipt of the request, unless special
circumstances require an extension of time (not to exceed an additional sixty
(60) days) for processing the request for a review. If an extension for review
is required, written notice of the extension will be furnished within the
initial 60-day period. The Review Panel will give written notice of its decision
to the applicant. In the event that the Review Panel confirms the denial of the
application for benefits in whole or in part, the notice will outline, in a
manner calculated to be understood by the average Participant, the specific Plan
provisions upon which the decision is based. If written notice of the Review
Panel's decision is not given within the time prescribed above, the application
will be deemed accepted on review and benefits will be retro-active to the date
of your Constructive Termination or Involuntary Termination and payments will be
made immediately.

      Rules and Procedures. The Plan Administrator and/or the Review Panel may
establish rules and procedures, consistent with the Plan and with ERISA, as

                                       6
<PAGE>

necessary and appropriate in carrying out their responsibilities in reviewing
benefit claims. If you wish to submit additional information in connection with
an appeal from the denial of benefits, you may be required to do so at your own
expense.

      Exhaustion of Remedies. No legal action for benefits under the Plan may be
brought until (i) a written application for benefits has been submitted in
accordance with the procedures described above, (ii) the person claiming
benefits has been notified by the Plan Administrator that the application is
denied , (iii) a written request for review of the application has been
submitted in accordance with the appeal procedure described above, and (iv) the
person appealing the denial has been notified in writing that the Review Panel
has denied the appeal.

SECTION 6.  BASIS OF PAYMENTS TO AND FROM THE PLAN

      All benefits under the Plan shall be paid by the Company. The Plan shall
be unfunded and benefits hereunder shall be paid only from the general assets of
the Company.

SECTION 7.  AMENDMENT AND TERMINATION

      The Company reserves the right to amend or terminate this Plan at any
time; provided, however, that this Plan may not be amended or terminated
following the occurrence of a Designated Event but shall, in any event,
terminate on December 31, 2010 if a Designated Event has not occurred before
that date.

SECTION 8.  NON-ALIENATION OF BENEFITS

      No Plan benefit may be anticipated, alienated, sold, transferred,
assigned, pledged, encumbered or charged, and any attempt to do so will be void.

SECTION 9.  LEGAL CONSTRUCTION

      This Plan shall be interpreted in accordance with ERISA and, to the extent
not preempted by ERISA, with the laws of the State of California. This Plan
constitutes both a plan document and a summary plan description for purposes of
ERISA.

SECTION 10.  OTHER PLAN INFORMATION

      Plan Name:  GraphOn Corporation Key Employee Severance Plan

                                       7
<PAGE>

      Employer Name and Address:  GraphOn Corporation
                                  5400 Soquel Avenue Suite A-2
                                  Santa Cruz, CA 95062

      Employer Identification Number (EIN):    13-3899021

      Plan Identification Number:  ____

      Plan Type:  unfunded welfare benefit plan providing
severance benefits

      Type of Administration:  internal administration by the
Committee

      Plan Administrator:  Committee
                           GraphOn Corporation
                           5400 Soquel Avenue Suite A-2
                           Santa Cruz, CA 95062
                           Tel.: (800) 472-7466

      Agent for the Service of Legal Process: The Plan's agent for service of
legal process is: Chief Financial Officer, GraphOn Corporation, 5400 Soquel
Avenue Suite A-2, Santa Cruz, CA 95062. In addition, service of legal process
may be made upon the Plan Administrator.

      Ending Date of the Plan's Fiscal Year:  December 31

SECTION 11:  STATEMENT OF ERISA RIGHTS

      As a participant in the GraphOn Corporation Key Employee Severance Plan
(the "Plan") (which is an employee welfare benefit plan sponsored by the
Company) you are entitled to certain rights and protections under the Employee
Retirement Income Security Act of 1974, as amended ("ERISA"), including the
right to:

      a. Examine, without charge, at the Plan Administrator's office and at
other specified locations, such as worksites, all documents governing the Plan,
a copy of the latest annual report (Form 5500 Series) filed by the Plan with the
U.S. Department of Labor, and available in the Public Disclosure Room of the
Employee Benefits Security Administration;

      b. Obtain copies of documents governing the operation of the Plan, the
latest annual report (Form 5500 Series) and updated summary plan description
upon written request to the Plan Administrator. The Plan Administrator may make
a reasonable charge for the copies; and

      In addition to creating rights for Plan Participants, ERISA imposes duties
upon the people responsible for the operation of the Plan. The people who

                                       8
<PAGE>

operate the Plan, called "fiduciaries" of the Plan, have a duty to do so
prudently and in the interest of you and other Plan Participants and
beneficiaries. No one, including the Company or any other person, may fire you
or otherwise discriminate against you in any way to prevent you from obtaining a
Plan benefit or exercising your rights under ERISA.

      If your claim for a Plan benefit is denied or ignored, in whole or in
part, you have a right to know why this was done, to obtain copies of documents
relating to the decision without charge, and to appeal any denial, all within
certain time schedules.

      Under ERISA, there are steps you can take to enforce the above rights. For
instance, if you request a copy of Plan documents or the latest annual report
from the Plan and do not receive them within 30 days, you may file suit in a
Federal court. In such a case, the court may require the Plan Administrator to
provide the materials and pay you up to $110 a day until you receive the
materials, unless the materials were not sent because of reasons beyond the
control of the Plan Administrator. If you have a claim for benefits which is
denied or ignored, in whole or in part, you may file suit in a state or Federal
court. If it should happen that the Plan fiduciaries misuse the Plan's money, or
if you are discriminated against for asserting your rights, you may seek
assistance from the U.S. Department of Labor, or you may file suit in a Federal
court. The court will decide who should pay court costs and legal fees. If you
are successful, the court may order the person you have sued to pay these costs
and fees. If you lose, the court may order you to pay these costs and fees, for
example, if it finds your claim is frivolous.

      If you have any questions about the Plan, you should contact the Plan
Administrator. If you have any questions about this statement or about your
rights under ERISA, or if you need assistance in obtaining documents from the
Plan Administrator, you should contact the nearest office of the Employee
Benefits Security Administration, U.S. Department of Labor, listed in your
telephone directory or the Division of Technical Assistance and Inquiries,
Employee Benefits Security Administration, U.S. Department of Labor, 200
Constitution Avenue N.W., Washington, D.C. 20210. You may also obtain certain
publications about your rights and responsibilities under ERISA by calling the
publications hotline of the Employee Benefits Security Administration.

                                       9

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