Document:

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EXHIBIT 10.13        FIFTH AMENDMENT TO REVOLVING CREDIT AGREEMENT

                            Dated as of April 3, 2002

This Amendment, dated as of April 3, 2002, is entered into between SECOND
BANCORP INCORPORATED, a corporation formed under the laws of the State of Ohio
("Borrower"), and THE NORTHERN TRUST COMPANY, an Illinois banking corporation
having its principal office at 50 South LaSalle Street, Chicago, Illinois 60675
("Lender").

                                    RECITALS:

         A. Borrower and Lender have entered into a Revolving Credit Agreement
dated as of September 15, 1995, a First Amendment thereto dated as of March 11,
1997, a Second Amendment thereto dated as of February 17, 1999, a Third
Amendment thereto dated as of February 16, 2000 and a Fourth Amendment thereto
dated as of February 16, 2001 (said Revolving Credit Agreement, as so amended,
shall hereinafter be referred to as the "Agreement"; the terms defined in the
Agreement and not otherwise defined herein shall be used herein as defined in
the Agreement).

         B. Borrower and Lender wish to amend certain provisions of the
Agreement.

         C. Therefore, the parties hereto agree as follows:

                        SECTION 1 AMENDMENTS TO AGREEMENT

SECTION 1.1 NOTE. Section 1.2 of the Agreement is hereby amended as of the date
hereof by deleting the date "April 3, 2002" in the eleventh and twelfth lines
thereof and replacing such date with "April 2, 2003."

SECTION 1.2 FORM OF PROMISSORY NOTE. Exhibit A to the Agreement is hereby
amended as of the date hereof to be in the form set forth as Exhibit A hereto.

SECTION 1.3 FINANCIAL REQUIREMENTS. Section 5.4(f) of the Agreement is hereby
amended as of the date hereof by deleting the percentage "sixty-five percent
(65%)" in the eighth and tenth lines thereof and replacing such percentage with
"one-hundred percent (100%)."

                    SECTION 2 REPRESENTATIONS AND WARRANTIES

To induce Lender to enter into this Amendment, Borrower represents and warrants
to Lender that:

SECTION 2.1 AUTHORIZATION; NO CONFLICT. The execution and delivery of this
Amendment and the Replacement Note (as hereinafter defined), the borrowings
under the Agreement, as amended hereby, and the performance by Borrower of its
obligations under the Agreement, as amended hereby, and under the Replacement
Note: (a) are within Borrower's powers; (b) have been authorized by all
necessary corporate action; (c) have received any and all necessary governmental
approval; and (d) do not and will not contravene or conflict with any provision
of law or charter or by-laws of Borrower or any agreement affecting Borrower or
its property.

SECTION 2.2 VALIDITY AND BINDING EFFECT. The Agreement, as amended hereby, is,
and the Replacement Note when duly executed and delivered will be, a legal,
valid and binding obligation of Borrower, enforceable against Borrower in
accordance with its terms, except as enforceability may be limited by
bankruptcy, insolvency or other similar laws of general application affecting
the enforcement of creditors' rights or by general principles of equity limiting
the availability of equitable remedies.

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                       SECTION 3 CONDITIONS TO AMENDMENTS

The amendments contemplated by Section 1 hereof are subject to the satisfaction
of each of the following conditions precedent:

SECTION 3.1 DOCUMENTATION. Lender shall have received all of the following
promptly upon the execution and delivery hereof, each duly executed and dated
the date hereof or such other date as is satisfactory to Lender, in form and
substance satisfactory to Lender and its counsel, at the expense of Borrower,
and in such number of signed counterparts as Lender may request (except for the
Replacement Note, of which only the original shall be signed):

                  (a) Replacement Note. A promissory note of Borrower (the
                  "Replacement Note"), substantially in the form set forth as
                  Exhibit A hereto.

Upon receipt of the Replacement Note, Lender will record the aggregate unpaid
principal amount of the Replacement Note dated February 16, 2001 (the "Prior
Note") of Borrower issued under the Agreement in its records or, at its option,
on any schedule attached to the Replacement Note as the aggregate unpaid
principal amount of the Replacement Note. Thereafter, all references in the
Agreement and any and all instruments or documents provided for therein or
delivered or to be delivered thereunder or in connection therewith to the Prior
Note shall be deemed references to the Replacement Note.

                  (b) Resolution; Certificate of Incumbency. A copy of a
                  resolution of the Board of Directors of Borrower authorizing
                  or ratifying the execution and delivery of this Amendment and
                  the Replacement Note and the performance of the Agreement, as
                  amended hereby, and the Replacement Note, certified by an
                  appropriate officer of Borrower, together with a certificate
                  of an appropriate officer of Borrower, certifying the names of
                  the officer(s) of Borrower authorized to sign this Amendment,
                  the Replacement Note and all other documents or certificates
                  to be delivered hereunder, together with a sample of the true
                  signatures of each such person (Lender may conclusively rely
                  on such certificate until formally advised by a like
                  certificate of any changes therein).

                  (c) Governing Documents. A certificate signed by an
                  appropriate officer of Borrower to the effect that there have
                  been no amendments to the Articles of Incorporation or the
                  By-laws of Borrower since September 15, 1995 (or, if there
                  have been any such amendments, copies thereof, certified by an
                  appropriate officer of Borrower).

                  (d) Certificate of No Default. A certificate signed by an
                  appropriate officer of Borrower to the effect that: (i) as at
                  the date hereof, no Event of Default or Unmatured Event of
                  Default has occurred and is continuing; and (ii) the
                  representations and warranties of Borrower contained in the
                  Agreement and this Amendment are true and correct as at the
                  date hereof as though made on that date, except for such
                  changes as are specifically permitted under the Agreement.

                  (e) Other. Such other documents and certificates as Lender may
                  reasonably request.

SECTION 3.2  REPRESENTATIONS AND WARRANTIES TRUE; NO DEFAULT.

                  (a) Representations and Warranties True. At the date hereof,
                  Borrower's representations and warranties set forth in the
                  Agreement and this Amendment shall be true and correct as
                  though made on such date, except for such changes as are
                  specifically permitted under the Agreement.

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                             SECTION 4 MISCELLANEOUS

This Amendment, the Replacement Note and any other document or instrument
executed in connection herewith shall be governed by and construed in accordance
with the internal laws of the State of Illinois, and shall be deemed to have
been executed in the State of Illinois. Unless the context requires otherwise,
wherever used herein the singular shall include the plural and vice versa, and
the use of one gender shall also denote the other. Captions herein are for
convenience of reference only and shall not define or limit any of the terms or
provisions hereof. This Amendment shall be binding upon and inure to the benefit
of Borrower, Lender and their respective successors and assigns, except that
Borrower may not transfer or assign any of its rights or interest hereunder
without the prior written consent of Lender. Borrower agrees to pay upon demand
up to $2,000 of the expenses (including without limitation attorneys' fees and
legal costs and expenses) incurred or paid by Lender in connection with the
preparation of this Amendment, the Replacement Note and any other document or
instrument to be delivered in connection herewith. Except as amended hereby, the
Agreement shall remain in full force and effect and is hereby ratified and
confirmed in all respects. Each reference in the Agreement to "this Amendment,"
"hereunder," "hereof," or words of like import, and each reference to the
Agreement in any and all instruments or documents provided for in the Agreement
or delivered or to be delivered thereunder or in connection therewith, shall,
except where the context otherwise requires, be deemed a reference to the
Agreement as amended hereby.

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IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be executed
by their respective officers thereunto duly authorized as of the date first
written above.

                                            SECOND BANCORP INCORPORATED

                                  By:       /s/ David L. Kellerman
                                            -------------------------------

                                  Title:    Treasurer
                                            -------------------------------

                                            THE NORTHERN TRUST COMPANY

                                  By:
                                            -------------------------------

                                  Title:
                                            -------------------------------<PAGE>
EXHIBIT 10.18          AMENDED SECOND BANCORP INCORPORATED
                      1998 NON-QUALIFIED STOCK OPTION PLAN

Second Bancorp Incorporated (the "Company") hereby establishes this Plan to be
called the Second Bancorp Incorporated 1998 Non-Qualified Stock Option Plan to
encourage officers, certain key employees and non-employee Directors of the
Company and subsidiary The Second National Bank of Warren (the "Subsidiary") to
acquire common Stock of the Company pursuant to the grant of Non-Qualified Stock
Options. The purpose of the Plan is to (a) provide incentive to officers, key
employees, and non-employee Directors of the Company and its Subsidiary to
stimulate their efforts toward the continued success of the Company and its
Subsidiary and to operate and manage the business in a manner that will provide
for the long-term growth and profitability of the Company and its Subsidiary;
(b) encourage stock ownership by officers, key employees, and non-employee
Directors by providing them with a means to acquire a proprietary interest in
the Company by acquiring shares of Stock; and (c) provide a means of attracting,
retaining, and rewarding key employees and non-employee Directors.
Notwithstanding anything to the contrary contained herein, any reference in this
1998 Plan to "non-employee Directors" shall be deemed to exclude members of any
Advisory Board of Directors of the Company or its Subsidiaries.

If approved, this Plan shall replace the amended Second Bancorp Incorporated
Stock Option Incentive Plan approved and adopted by the shareholders in 1994
(the "1994 Plan"). As such, there shall be no further grants pursuant to the
1994 Plan, and all authorized but unissued shares for which options may be
granted shall no longer be subject to issuance. Nothing in this Plan, however,
shall effect, in any way, awards previously granted pursuant to the 1994 Plan,
and the 1994 Plan shall continue to control with respect to such previously
granted options.

                              SECTION 1 DEFINITIONS

         1.1 Definitions. Whenever used herein, the masculine pronoun shall be
deemed to include the feminine, the singular to include the plural, unless the
context clearly indicates otherwise, and the following capitalized words and
phrases are used herein with the meaning thereafter ascribed:

                  (a) "Award" means any Non-Qualified Stock Option Award granted
under the Plan.

                  (b) "Beneficiary" means the person or persons designated in
writing by a Participant to exercise an Award in the event of the Participant's
death while employed by the Company or its Subsidiary, or while a Director of
the Company or its Subsidiary, or in the absence of such designation, the
executor or administrator of the Participant's estate.

                  (c) "Board" means the Board of Directors of Second Bancorp,
Incorporated.

                  (d) "Change in Control" shall mean, and shall have been deemed
to have occurred if and when: (i) any person or entity (other than the Company)
or any number or combination thereof acting in concert (I) shall have acquired
ownership of or the right to vote or direct the voting of 25% or more of the
issued and outstanding capital stock of the Company, and (II) shall have voted
those shares, or otherwise used its ownership interest in the Company, in a
manner intended to exert control or significant influence over the operation of
the Company; or (ii) the Company shall have been merged into another company or
shall have otherwise consolidated with another company in such a way that the
Company is not the surviving entity; or (iii) the Company shall have sold
substantially all of its assets to another company or other entity or person.
The date of any Change of Control shall be the same as the official date of the
merger, consolidation or sale or, with respect to (i) above, the date on which
an acquirer shall have first exercised control or influence over the Company.

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

                  (f) "Committee" means (1) for purposes of Non-Qualified Stock
Options granted to employee Participants of the Company or its Subsidiary, the
Compensation and Organization Committee of the Board of Directors consisting of
at least two Directors, each of whom qualifies as a "disinterested

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person" within the meaning of Rule 16b-3 of the Exchange Act and an "outside
director" as the term is defined for purposes of ss.162(m) of the Code, and (2)
for purposes of Non-Qualified Stock Options granted to non-employee Directors of
the Company or its Subsidiary, a Committee as designated by the Board.

                  (g) "Company" means Second Bancorp, Incorporated, an Ohio
corporation or its successor corporation.

                  (h) "Disability" has the same meaning as provided in "The
Employees Retirement Plan of The Second National Bank of Warren" maintained by
the Company. In the event of a dispute, the determination of Disability shall be
made by the Committee. In making its determination, the Committee may, but is
not required to, rely on advice of a physician competent in the area to which
such Disability relates. The Committee may make the determination in its sole
discretion, and any decision of the Committee will be binding on all parties.

                  (i) "Fair Market Value" shall be determined by the Committee
but shall not be less than the mean of the bid and ask price of the Company's
common Stock price as reported by NASDAQ at the close of business on the date in
question.

                  (l) "Non-Qualified Stock Option" means a stock option, other
than an option qualifying as an Incentive Stock Option as defined in ss.422 of
the Code.

                  (m) "Option" means a Non-Qualified Stock Option.

                  (n) "Option Agreement" means a written agreement between the
Company and a Participant or other written documentation evidencing an Award.

                  (o) "Participant" means (1) an employee of the Company or its
Subsidiary designated by the Committee to receive an Award hereunder, and (2) a
non-employee Director of the Company or its Subsidiary, excluding members of any
Advisory Board, eligible to receive an Award hereunder.

                  (p) "Plan" means the Second Bancorp Incorporated 1998
Non-Qualified Stock Option Plan.

                  (q) "Plan Year" means the calendar year.

                  (r) "Stock" means the Company's common Stock.

                  (s) "Subsidiary" means The Second National Bank of Warren.

                  (t) "Termination of Directorship" shall be deemed to have
occurred when an individual Director cease to be a member of the Board of
Directors of the Company or its Subsidiary.

                  (u) "Termination of Employment" means the termination of the
employee-employer relationship between a Participant and the Company or its
Subsidiary regardless of the fact that severance or similar payments are made to
the Participant, for any reason, including, but not by way of limitation, a
termination by resignation, discharge, death, Disability or Retirement. The
Committee shall, in its absolute discretion, determine the effect of all matters
and questions relating to Termination of Employment, including, but not by way
of limitation, the question of whether a leave of absence constitutes a
Termination of Employment, or whether a Termination of Employment is for cause.
In the event that a Participant ceases to be an employee but remains a member of
the Board of the Company or its Subsidiary, no Termination of Employment shall
be deemed to have occurred until the Participant ceases to be a member of such
Board.

                  (v) "Vested" means that an Award is non-forfeitable and
exercisable with regard to a designated number of shares of Stock.

<PAGE>

                             SECTION 2 GENERAL TERMS

         2.1 Shares Available for Issuance. Subject to adjustment in accordance
with Section 4.2, 650,000 shares of Stock (the "Maximum Plan Shares") are hereby
reserved and subject to issuance under the Plan. At no time shall the Company
have outstanding Awards and shares of Stock issued in respect to Awards in
excess of the Maximum Plan Shares. To the extent permitted by law, the shares of
Stock attributable to the non-vested, unpaid, unexercised, unconverted or
otherwise unsettled portion of any Award that are forfeited, canceled or expire
or terminate for any reason without becoming vested, paid, exercised, converted
or otherwise settled in full shall again be available for purposes of the Plan.

         2.2 Administration of the Plan. The Plan shall be administered by the
Committee. The Committee shall have full authority in its discretion to
determine the employees of the Company or its Subsidiary to whom Awards shall be
granted and the number of options subject to each grant. Subject to the
provisions of the Plan, the Committee shall have full and conclusive authority
to interpret the terms and provisions of the Plan; to prescribe, amend and
rescind rules and regulations relating to the Plan; to determine the terms and
provisions of the respective Option Agreements under the Plan, and to make all
other determinations necessary or advisable for the proper administration of the
Plan. The Committee's determination under the Plan need not be uniform and may
be made by it selectively among persons who receive, or are eligible to receive,
Awards under the Plan (whether or not such persons are similarly situated). The
Committee's decisions shall be final and binding on all Participants. The
Committee may employ attorneys, consultants, accountants or other persons, and
the Committee may rely on the advice and opinion of such persons. No member of
the Committee shall be personally liable for any determination, interpretation
or action taken in good faith with respect to this Plan.

         Notwithstanding the above, with respect to non-employee Directors, the
Committee shall have no discretion to select which non-employee Directors will
be granted Options hereunder, to determine the number of shares for which
Options may be exercised, to determine the exercise price of the Option, or the
timing of an Award.

         2.3 Eligibility and Limits. All employees of the Company and/or its
Subsidiaries are eligible to participate in the Plan at the sole and absolute
discretion of the Committee. In addition, any non-employee Director of the
Company or its Subsidiaries shall be eligible upon election to the Board of the
Company or its Subsidiaries and on the date of any subsequent Annual Meeting of
the shareholders of the Company if still serving as a Director of the Company or
its Subsidiaries. The number of options to be granted individual employee
Participants under the Plan from time to time shall be discretionary in the
Committee. Notwithstanding Section 3.1(a) below, no non-employee Director
Participant shall receive in the aggregate Options to purchase more than 1,000
shares of the Company in any one Plan Year regardless of whether or not such
non-employee Director serves on both the Second Bancorp, Incorporated Board of
Directors and The Second National Bank of Warren Board of Directors.

                            SECTION 3 TERMS OF AWARDS

         3.1      Terms and Conditions of All Awards.

                  (a) The number of shares of Stock to which an Award shall be
granted shall be determined by the Committee in its sole discretion, subject to
the provisions of Sections 2.1 and 2.3. Notwithstanding the above, with respect
to Options granted to non-employee Directors, there are hereby granted the
following Options under this Plan subject to Sections 2.1 and 2.3: (i) With
respect to each individual who first becomes a non-employee Director of the
Company or its Subsidiary on or after the effective date of the Plan, an Option
to purchase 1,000 shares of Stock as of the date the individual first becomes a
non-employee Director; (ii) With respect to each person who, as of the date of
any annual meeting of the Company's shareholders after the effective date of
this Plan, is an incumbent non-employee Director of the Company or its
Subsidiary, and previous to such meeting has received an Option under (i) above,
an Option to purchase 1,000 shares of Stock as of the date of such meeting.
Notwithstanding the above, (I) the initial grant of Options to the non-employee
Directors following approval of this Plan by the shareholders, shall not occur
until the six (6) month anniversary of the adoption of this Plan by the
shareholders, and (II) in no case shall a non-employee Director receive Options
to purchase more than 1,000 shares of Stock (as adjusted from time to time under
Section 4.2) in any one calendar year.

<PAGE>

                  (b) Each Award shall be evidenced by a written Option
Agreement delivered to and accepted by the Participant containing such terms and
provisions as the Committee may determine is appropriate, subject to the
provisions of the Plan.

                  (c) The date an Award is granted shall be the date on which
the Committee has approved the terms and conditions of the Option Agreement and
has determined the recipient of the Award and the number of shares covered by
the Award; provided, however, that the date of an Award to a non-employee
Director shall be as provided in Section 3.1(a) above. Notwithstanding any other
provisions of this Plan, in no event shall any Award be granted prior to the
date in which this Plan is approved by a majority of the shareholders of the
Company.

                  (d) The Options granted pursuant to this Plan shall vest 100%
one (1) year from the date of grant. Notwithstanding, the Committee may provide
in any Option Agreement an alternative vesting schedule, which shall in no event
be less than one year. The vesting schedule shall specify when such Awards shall
become Vested and thus exercisable. Notwithstanding any vesting schedule which
may be specified in an Option Agreement, in the event of a Change in Control,
the Awards granted under the Plan shall become 100% Vested and exercisable
pursuant to the terms of the Option Agreement.

                  (e) Awards shall not be transferable or assignable except by
will or by the laws of descent and distribution and shall be exercisable, during
the Participant's lifetime, only by the Participant, or in the event of the
Disability or death of the Participant, by the legal representative of the
Participant. Notwithstanding the above, the Committee may expressly provide in
the Option Agreement that a Participant may transfer such Award, in whole or in
part, (i) to a spouse or lineal descendant (hereinafter "Family Member"), (ii)
to a trust for the exclusive benefit of a Family Member, or (iii) to a
partnership, limited liability company or other entity in which all the
beneficial owners are Family Members. Subsequent transfers of Awards shall be
prohibited except in accordance with this Section 3.1(e). All terms and
conditions associated with the Award shall continue to apply following a
transfer in accordance with this Section 3.1(e).

         3.2      Terms and Conditions of Options:

                  (a) Option Price. Subject to adjustment in accordance with
Section 4.2 and the other provisions of this Section 3.2, the exercise price
(the "Exercise Price") per share of the Stock purchasable under any Option shall
be one hundred percent (100%) of the Fair Market Value of Stock on the date of
grant as determined in Section 3.1(c) and 1.1(i).

                  (b) Option Term. Any Option granted to a Participant shall not
be exercisable after the expiration of ten (10) years from the date the Option
is granted. The Committee may specify a shorter term and state such term in the
Option Agreement.

                  (c) Payment. Payment for all shares of Stock purchased
pursuant to the exercise of an Option shall be made in cash or a cash
equivalent. Payment shall be made at the time that the Option or any part
thereof is exercised, and no shares shall be issued or delivered upon exercise
of an Option until full payment has been made by the Participant. The holder of
an Option, as such, shall have none of the rights of a shareholder.

                  (d) Conditions to the Exercise of an Option. Each Option
granted under the Plan shall be exercisable by whom, at such time or times, or
upon the occurrence of such event or events, and in such amounts, as the
Committee shall specify in the Option Agreement; provided, however, that
subsequent to the grant of an Option, the Committee, at any time before complete
termination of such Option, may accelerate the time or times at which such
Option may be exercised in whole or in part, may permit the Participant or any
other designated person to exercise the Option, or any portion thereof, for all
or part of the remaining Option term notwithstanding any provision of the Option
Agreement to the contrary.

                  (e) Special Provisions for Certain Substitute Options.
Notwithstanding anything to the contrary in this Section 3.2, any Option issued
in substitution for an option previously issued by another entity, which
substitution occurs in connection with a transaction described in Code Section
424(a), may provide for an exercise price computed in accordance with such Code
Section and the regulations thereunder and may contain such other terms and
conditions as the Committee may prescribe

<PAGE>

to cause such substitute Option to contain as nearly as possible the same terms
and conditions (including the applicable vesting and termination provisions) as
those contained in the previously issued Option being replaced thereby.

         3.3 Treatment of Awards Upon Termination of Employment or Directorship.
Any Award granted under this Plan to a Participant who suffers a Termination of
Employment or Directorship may be canceled, accelerated, paid or continued, as
provided in the Option Agreement or, in the absence of such provision, as the
Committee may determine. The portion of any Award exercisable in the event of
continuation may be adjusted by the Committee to reflect the Participant's
period of service from the date of grant through the date of the Participant's
Termination of Employment or Directorship or such other factors as the Committee
determines are relevant to its decision to continue the Award.

                          SECTION 4 GENERAL PROVISIONS

         4.1 Withholding. Whenever the Company proposes or is required to issue
or transfer shares of Stock under the Plan, the Company shall have the right to
require the employee Participant to remit to the Company an amount sufficient to
satisfy any statutory federal, state and local, if any, withholding tax
requirements prior to the delivery of any certificate or certificates for such
stock. An employee Participant may pay the withholding tax in cash, or, in such
other manner as the Option Agreement provides.

         4.2      Changes in Capitalization; Merger; Liquidation.

                  (a) The number of shares of Stock reserved for the grant of
Options; the number of shares of Stock reserved for issuance upon the exercise
or payment, as applicable, of each outstanding Option; and the Exercise Price of
each outstanding Option shall be proportionately adjusted for any increase or
decrease in the number of issued shares of Stock resulting from a subdivision or
combination of shares, or the payment of a stock dividend in shares of Stock to
holders of outstanding shares of Stock, or any other increase or decrease in the
number of shares of Stock outstanding effected without receipt of consideration
by the Company.

                  (b) In the event of a merger, consolidation or other
reorganization of the Company or tender offer for shares of Stock, the Committee
may make such adjustments with respect to Awards and take such other action as
it deems necessary or appropriate to reflect, or in anticipation of such merger,
consolidation, reorganization or tender offer, including, without limitation,
the substitution of new Awards, the termination or adjustment of outstanding
Awards, or the acceleration of Awards. Any adjustment pursuant to this Section
4.2 may provide, in the Committee's discretion, for the elimination without
payment of any fractional shares that might otherwise become subject to any
Award.

                  (c) The existence of the Plan and the Awards granted pursuant
to the Plan shall not affect in any way the right or power of the Company to
make or authorize any adjustment, reclassification, reorganization or other
change in its capital or business structure, any merger or consolidation of the
Company, any issue of debt or equity securities having preferences or priorities
as to the Stock or the rights thereof, the dissolution or liquidation of the
Company, any sale or transfer of all or any part of its business or assets, or
any other corporate act or proceeding.

         4.3 Right to Terminate Employment or Directorship. Nothing in the Plan
or in any Option Agreement pursuant to this Plan shall confer upon any
Participant the right to continue as an employee, officer, or Director of the
Company or any of its Subsidiary or affect the right of the Company, or with
respect to the non-employee Directors, the shareholders, or its Subsidiary to
terminate the Participant's employment or directorship at any time.

         4.4 Restrictions on Delivery and Sale of Shares; Legends. Each Award is
subject to the condition that if at any time the Committee, in its discretion,
shall determine that the listing, registration or qualification of the shares
covered by such Award upon any securities exchange or under any state or federal
law is necessary or desirable as a condition of or in connection with the
granting of such Award or the purchase or delivery of shares thereunder, the
delivery of any or all shares pursuant to such Award may be withheld unless and
until such listing, registration or qualification shall have been effected. If a
registration statement is not in effect under the Securities Act of 1933 or any
applicable state securities laws with respect to the shares of Stock purchasable
or otherwise deliverable under Awards then

<PAGE>

outstanding, the Committee may require, as a condition of exercise of any
Option, that the Participant or other recipient of an Award represent, in
writing, that the shares received pursuant to the Award are being acquired for
investment and not with a view to distribution and agree that shares will not be
disposed of except pursuant to an effective registration statement, unless the
Company shall have received an opinion of counsel that such disposition is
exempt from such requirement under the Securities Act of 1933 and any applicable
state securities laws. The Company may include on certificates representing
shares delivered pursuant to an Award such legends referring to the foregoing
representations or restrictions or any other applicable restrictions on resale
as the Company, in its discretion, shall deem appropriate.

         4.5 Non-alienation of Benefits. Other than as specifically provided
with regard to the death of a Participant or with regard to a transfer to a
Family Member in accordance with Section 3.1(e), no benefit under the Plan shall
be subject in any manner to anticipation, alienation, sale, transfer,
assignment, pledge, encumbrance or charge, and any attempt to do so shall be
void. No such benefit shall, prior to receipt by the Participant, be in any
manner liable for or subject to the debts, contracts, liabilities or torts of
the Participant.

         4.6 Termination and Amendment of the Plan. The Board of Directors at
any time may amend or terminate the Plan without shareholder approval; provided,
however, that the Board of Directors may condition any amendment on the approval
of shareholders of the Company if such approval is necessary or advisable with
respect to tax, securities or other applicable laws. No such termination or
amendment without the consent of the holder of an Award shall adversely affect
the rights of the Participant under such Award.

         4.7 Choice of Law. The laws of the State of Ohio shall govern the Plan,
to the extent not preempted by federal law.

         4.8 Effective Date and Term of Plan. The Plan shall be submitted to the
shareholders of the Company for their approval within twelve (12) months before
or after the adoption of the Plan by the Board of Directors of the Company, and
shall become effective upon the date of such approval, and shall remain in
effect until the earlier of (a) the date on which all shares for which Options
may be issued have been issued, (b) termination of the Plan by the Board, (c)
ten years from the date of the adoption of the Plan by the shareholders, or (d)
such date as the Board may elect. Any Award previously granted may extend beyond
the termination of the Plan, and the Committee shall continue to have the
authority to administer such Awards.

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