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Exhibit 4.2  

Plan #002  

 
 

NON-STANDARDIZED ADOPTION AGREEMENT
  
  PROTOTYPE CASH OR DEFERRED PROFIT-SHARING
  
  PLAN AND TRUST
  
  Sponsored by
  
  PRUDENTIAL MUTUAL FUND MANAGEMENT, INC.    
  

        The Employer named below hereby establishes a Cash or Deferred Profit-Sharing Plan for eligible Employees as provided in this Adoption Agreement
and the accompanying Basic Prototype Plan and Trust, Basic Plan Document #04. 

	1.	 	EMPLOYER INFORMATION
	

 	
 	
NOTE:	
 	

If multiple Employers are adopting the Plan, complete this section based on the lead Employer. Additional Employers may adopt this Plan by attaching executed signature pages to the back of the Employer's Adoption Agreement.

	 	 	(a)	 	NAME AND ADDRESS:
	

 	
 	

 	
 	
East-West Bank

415 Huntington Drive

San Marino, CA 91108
	

 	
 	

(b)	
 	

TELEPHONE NUMBER:    (626) 799-5700
	

 	
 	

(c)	
 	

TAX ID NUMBER:    95-2795851
	

 	
 	

(d)	
 	

FORM OF BUSINESS:
	

 	
 	

 	
 	

o	
 	

(i)	
 	

Sole Proprietor
	

 	
 	

 	
 	

o	
 	

(ii)	
 	

Partnership
	

 	
 	

 	
 	

ý	
 	

(iii)	
 	

Corporation
	

 	
 	

 	
 	

o	
 	

(iv)	
 	

"S" Corporation (formerly known as Subchapter S)
	

 	
 	

 	
 	

o	
 	

(v)	
 	

Other:                               
	

 	
 	

(e)	
 	

NAME OF PLAN: East-West Bank Employees 401(k) Savings Plan
	

 	
 	

(f)	
 	

THREE DIGIT PLAN NUMBER FOR ANNUAL RETURN/REPORT: 001

1

 

	2.	 	EFFECTIVE DATE
	

 	
 	

(a)	
 	

This is a new Plan having an effective date of                        .
	

 	
 	

(b)	
 	

This is an amended Plan.
	

 	
 	

 	
 	

(i)	
 	

The effective date of the original Plan was January 1, 1986. The effective date of the amended Plan is March 15, 2002.

	 	 	 	 	NOTE:	 	The effective date of the amended Plan for the Tax Reform Act of 1986 required changes is the first day of the 1987 Plan Year. Sections 7(f) and 12 herein shall be effective as of the first day of the 1989 Plan Year.
Any prior amendments to the plan which were intended to have effect after December 31, 1986 will continue to be in effect only until the effective date of this amended and restated plan.

	3.	 	DEFINITIONS	 	 
	

 	
 	

(a)	
 	

(i)	
 	

"Compensation" For purposes of Elective Deferrals and Top-Heavy contributions, Compensation includes everything enumerated in paragraph 1.12 of the Basic Plan Document #04. For purposes of all other Employer contributions (except if the
Employer selects an Integrated Allocation Formula), Compensation will exclude the following:
	

 	
 	

 	
 	

 	
 	

o	
 	

(1)	
 	

overtime.
	

 	
 	

 	
 	

 	
 	

o	
 	

(2)	
 	

bonuses.
	

 	
 	

 	
 	

 	
 	

o	
 	

(3)	
 	

commissions.
	

 	
 	

 	
 	

 	
 	

ý	
 	

(4)	
 	
Short Term Disability Pay, Director Fees, Moving and Relocation Reimbursement or Allowance and any Bank Contributions or Benefits under any Employee Benefits Plan and any other deferred or fringe benefits, Stock
Option Plan.
	

 	
 	

ý	
 	

(ii)	
 	

For purposes of Discretionary Contributions, Compensation will only include amounts for the period during which the employee was eligible to participate.
	

 	
 	
NOTE:	
 	

Any exclusion of compensation must satisfy the requirements of IRS Regulations Section 1.401(a)(4) and Code Section 414(s) and the regulations thereunder.
	

 	
 	

(b)	
 	

"Entry Date"	
 	

 
	

 	
 	

 	
 	

ý	
 	

(i)	
 	

The first day of the month coinciding with or following the date on which an Employee meets the eligibility requirements.
	

 	
 	

 	
 	

o	
 	

(ii)	
 	

The earlier of the first day of the Plan Year or the first day of the seventh month of the Plan Year coinciding with or following the date on which an Employee meets the eligibility requirements.
	

 	
 	

 	
 	

o	
 	

(iii)	
 	

The first day of the Plan Year, or the first day of the fourth month, or the first day of the seventh month or the first day of the tenth month, of the Plan Year coinciding with or following the date on which an Employee meets the eligibility
requirements.
	

 	
 	

(c)	
 	

"Hours of Service" Shall be determined on the basis of the method selected below. Only one method may be selected. The method selected shall be applied to all Employees covered under the Plan as follows:
	

 	
 	

 	
 	

ý	
 	

(i)	
 	

On the basis of actual hours for which an Employee is paid or entitled to payment.
	
 	
 	

 	
 	

 	
 	

 	
 	

 	
 	

 

2

 

	

 	
 	

 	
 	

o	
 	

(ii)	
 	

On the basis of days worked. An Employee shall be credited with ten (10) Hours of Service if under paragraph 1.41 of the Basic Plan Document #04 such Employee would be credited with at least one (1) Hour of Service during the
day.
	

 	
 	

 	
 	

o	
 	

(iii)	
 	

On the basis of weeks worked. An Employee shall be credited with forty-five (45) Hours of Service if under paragraph 1.41 of the Basic Plan Document #04 such Employee would be credited with at least one (1) Hour of Service during
the week.
	

 	
 	

(d)	
 	

"Limitations Year" The Limitation Year shall be the Plan Year unless another year is specified here:
	

 	
 	

(e)	
 	

"Net Profit"
	

 	
 	

 	
 	

ý	
 	

(i)	
 	

Not applicable (profits will not be required for any contributions to the Plan).
	

 	
 	

 	
 	

o	
 	

(ii)	
 	

As defined in paragraph 1.48 of the Basic Plan Document #04.
	

 	
 	

(f)	
 	

"Plan Year" The 12-consecutive month period commencing on January 1 and ending on December 31.
	

 	
 	

(g)	
 	

"Qualified Early Retirement Age" For purposes of making distributions under the provisions of a Qualified Domestic Relations Order, the Plan's Qualified Early Retirement Age with regard to the Participant against whom the order is entered ý shall o shall not be the date the order is determined to be qualified. If "shall" is elected, this will only allow payout to the alternative payee(s).
	

 	
 	

(h)	
 	

"Qualified Joint and Survivor Annuity" The safe-harbor provisions of paragraph 8.7 of the Basic Plan Document #04 are applicable. If the Plan is not safe-harbored under paragraph 8.7 of the Basic Plan Document, the survivor annuity
shall be 50% of the annuity payable during the lives of the Participant and Spouse.
	

 	
 	

(i)	
 	

"Taxable Wage Base"
	

 	
 	

 	
 	

ý	
 	

(i)	
 	

Not Applicable—Plan is not integrated with Social Security.
	

 	
 	

 	
 	

o	
 	

(ii)	
 	

The maximum earnings considered wages for such Plan Year under Code Section 3121(a).
	

 	
 	

 	
 	

o	
 	

(iii)	
 	

        % (not more than 100%) of the amount considered wages for such Plan Year under Code Section 3121(a).
	

 	
 	

 	
 	

o	
 	

(iv)	
 	

$            , provided that such amount is not in excess of the amount determined under paragraph 3(i)(ii) above.
	

 	
 	

 	
 	
NOTE:	
 	

Using less than the maximum at (ii) may result in a change in the allocation formula in Section 7.
	

 	
 	

(j)	
 	

"Year of Service"
	

 	
 	

 	
 	

(i)	
 	

For Eligibility Purposes: (Choose one)
	

 	
 	

 	
 	

 	
 	

ý	
 	

(1)	
 	

The 12-consecutive month period during which an Employee is credited with 1000 (not more than 1,000) Hours of Service.
	

 	
 	

 	
 	

 	
 	

o	
 	

(2)	
 	

Elapsed Time
	

 	
 	

 	
 	

 	
 	

If no answer is specified, the Hours of Service method will be used.
	

 	
 	

 	
 	

(ii)	
 	

For allocation Accrual Purposes: The 12-consecutive month period during which an Employee is credited with 1000 (not more than 1,000) Hours of Service.
	
 	
 	

 	
 	

 	
 	

 	
 	

 	
 	

 

3

 

	

 	
 	

 	
 	

(iii)	
 	

For Vesting Purposes: (Choose one)
	

 	
 	

 	
 	

 	
 	

o	
 	

(1)	
 	

The 12-consecutive month period during which an Employee is credited with      (not more than 1,000) Hours of Service.
	

 	
 	

 	
 	

 	
 	

ý	
 	

(2)	
 	

Elapsed Time
	

 	
 	

 	
 	

 	
 	

If no answer is specified, the Hours of Service method will be used.
	

4.	
 	
ELIGIBILITY REQUIREMENTS
	

 	
 	
(a)	
 	

Service:	
 	

 	
 	

 
	

 	
 	

 	
 	

o	
 	

(i)	
 	

The Plan shall have no service requirement.
	

 	
 	

 	
 	

ý	
 	

(ii)	
 	

The Plan shall cover only Employees having completed at least one Year of Service.
	

 	
 	

 	
 	

o	
 	

(iii)	
 	

The Plan shall cover only Employees having completed at least    months (less than 12).
	

 	
 	
NOTE:	
 	

If the eligibility period selected is less than one year, an Employee will not be required to complete any specified number of Hours of Service to receive credit for such period.
	

 	
 	

(b)	
 	
Age:	
 	

 	
 	

 
	

 	
 	

 	
 	

o	
 	

(i)	
 	

The Plan shall have no minimum age requirement.
	

 	
 	

 	
 	

ý	
 	

(ii)	
 	

The Plan shall cover only Employees having attained age 21 (not more than age 21).
	

 	
 	

(c)	
 	
Classification:
	

 	
 	

 	
 	

The Plan shall cover all Employees who have met the age and service requirements with the following exceptions:
	

 	
 	

 	
 	

o	
 	

(i)	
 	

No exceptions.
	

 	
 	

 	
 	

ý	
 	

(ii)	
 	

The Plan shall exclude Employees included in a unit of Employees covered by a collective bargaining agreement between the Employer and Employee Representatives, if retirement benefits were the subject of good faith bargaining and if two percent or
less of the Employees who are covered pursuant to that agreement are professionals as defined in Regulations Section 1.410(b)-9. For this purpose, the term "Employee Representative" does not include any organization more than half of whose
members are Employees who are owners, officers, or executives of the Employer.
	

 	
 	

 	
 	

ý	
 	

(iii)	
 	

The Plan shall exclude Employees who are nonresident aliens [within the meaning of Code Section 7701(b)(1)(B)] and who receive no earned income [within the meaning of Code Section 911(d)(2)] from the Employer which constitutes income from
sources within the United States [within the meaning of Code Section 861(a)(3)].
	

 	
 	

 	
 	

ý	
 	

(iv)	
 	

The Plan shall exclude from participation any nondiscriminatory classification of Employees determined as follows:

4

  

	 	 	 	 	 	 	 	 	Leased Employees
	

 	
 	

(d)	
 	

Employees on Effective Date:
	

 	
 	

 	
 	

ý	
 	

(i)	
 	

Not Applicable. All Employees will be required to satisfy both the age and Service requirements specified above.
	

 	
 	

 	
 	

o	
 	

(ii)	
 	

Employees employed on the Plan's Effective Date do not have to satisfy the Service requirements specified above.
	

 	
 	

 	
 	

o	
 	

(iii)	
 	

Employees employed on the Plan's Effective Date do not have to satisfy the age requirements specified above.
	

5.	
 	
RETIREMENT AGES
	

 	
 	

(a)	
 	

Normal Retirement Age:
	

 	
 	

 	
 	

If the Employer imposes a requirement that Employees retire upon reaching a specified age, the Normal Retirement Age selected below may not exceed the Employer imposed mandatory retirement age.
	

 	
 	

 	
 	

ý	
 	

(i)	
 	

Normal Retirement Age shall be 65 (not to exceed age 65).
	

 	
 	

 	
 	

o	
 	

(ii)	
 	

Normal Retirement Age shall be the later of attaining age    (not to exceed age 65) or the    (not to exceed the 5th) anniversary of the first day of the first Plan Year in which the Participant commenced
participation in the Plan.
	

 	
 	

(b)	
 	

Early Retirement Age:
	

 	
 	

 	
 	

Early Retirement Age shall not be applicable unless the Employer attached a form to this Adoption Agreement certifying that Early Retirement Age is a benefit which has accrued under the predecessor Plan which cannot be cut back under Code
Section 411(d)(6).
	

6.	
 	
EMPLOYEE CONTRIBUTIONS
	

 	
 	

ý	
 	

(a)	
 	

Participants shall be permitted to make Elective Deferrals in any amount from 1% (not more than 2%) up to 15% (not more than 20%) of their Compensation.
	

 	
 	

 	
 	

 	
 	

If (a) is applicable, Participants shall be permitted to amend their Salary Savings Agreements to change the contribution percentage in accordance with the procedures established by the Plan Administrator.
	

 	
 	

o	
 	

(b)	
 	

Participants shall be permitted to make after tax Voluntary Contributions.
	

 	
 	
NOTE:	
 	

The Average Deferral Percentage Test will apply to contributions under (a) above. The Average Contribution Percentage Test will apply to contributions under (b) and may apply to (a).
	

7.	
 	
EMPLOYER CONTRIBUTIONS AND ALLOCATION THEREOF
	

 	
 	
NOTE:	
 	

The Employer shall make contributions to the Plan in accordance with the formula or formulas selected below. The Employer's contribution shall be subject to the limitations contained in Articles III and X. For this purpose, a contribution for a
Plan Year shall be limited for the Limitation Year which ends with or within such Plan Year. Also, the integrated allocation formulas below are for the Plan Years beginning in 1989 and later. The Employer's allocation for earlier years shall be as
specified in its Plan prior to amendment for the Tax Reform Act of 1986.
	

 	
 	

 	
 	

(a)	
 	

Current or Accumulated Net Profits are required for:
	

 	
 	

 	
 	

 	
 	

o	
 	

(i)	
 	

Matching Contributions.
	
 	
 	

 	
 	

 	
 	

 	
 	

 	
 	

 	
 	

 

5

 

	

 	
 	

 	
 	

 	
 	

o	
 	

(ii)	
 	

Qualified Non-Elective Contributions.
	

 	
 	

 	
 	

 	
 	

o	
 	

(iii)	
 	

Discretionary Contributions.
	

 	
 	

 	
 	

 	
 	

If no answer is specified, Current or Accumulated Net Profits will not be required.
	

 	
 	
NOTE:	
 	

Elective Deferrals can always be contributed regardless of profits.
	

 	
 	

 	
 	

(b)	
 	

Salary Savings Agreement:
	

 	
 	

 	
 	

 	
 	

The Employer shall contribute and allocate to each Participant's account an amount equal to the amount withheld from the Compensation of such Participant pursuant to his or her Salary Savings Agreement.
	

 	
 	

 	
 	

 	
 	

An Employee who has terminated his or her election under the Salary Savings Agreement other than for hardship reasons may not make another Elective Deferral:
	

 	
 	

 	
 	

 	
 	

o	
 	

(i)	
 	

until the first day of the next Plan Year.
	

 	
 	

 	
 	

 	
 	

o	
 	

(ii)	
 	

until the first day of the next valuation period.
	

 	
 	

 	
 	

 	
 	

ý	
 	

(iii)	
 	

for a period of 12 month(s) (not to exceed 12 months).
	

 	
 	

 	
 	

 	
 	

If no option is specified, option (ii) will apply.
	

 	
 	

ý	
 	

(c)	
 	

Matching Employer Contribution [See paragraphs (g), (h) and (i)]:
	

 	
 	

 	
 	

 	
 	

o	
 	

(i)	
 	
Percentage Match:    The Employer shall contribute and allocate to each eligible Participant's account an amount equal to    % of the amount contributed
and allocated in accordance with paragraph 7(b) above. The Employer shall not match Participant Elective Deferrals as provided in excess of $    or in excess of    % of the Participant's
Compensation.
	

 	
 	

 	
 	

 	
 	

ý	
 	

(ii)	
 	
Discretionary Match:    The Employer shall contribute and allocate to each eligible Participant's account a percentage of the Participant's Elective Deferral contributed
and allocated in accordance with paragraph 7(b) above. The Employer shall not match Participant Elective Deferrals in excess of $    or in excess of 6% of the Participant's Compensation.
	

 	
 	

 	
 	

 	
 	

o	
 	

(iii)	
 	
Tiered Match:    The Employer shall contribute and allocate to each Participant's account an amount equal to    % of the first    %
of the Participant's Compensation, and    % of the next    % of the Participant's Compensation.
	

 	
 	
NOTE:	
 	

Percentages specified in (iii) above may not increase as the percentage of Participant's contribution increases.
	

 	
 	

 	
 	

 	
 	

o	
 	

(iv)	
 	
Flat Dollar Match:    The Employer shall contribute and allocate to each Participant's account $    if the Participant defers at least 1% of
Compensation.
	

 	
 	

 	
 	

 	
 	

 	
 	

(v)	
 	
Eligibility for Match:    Matching contributions will be made to ý all Employees eligible to participate o only to non-Highly Compensated Employees eligible to participate.
	

 	
 	

 	
 	

 	
 	

o	
 	

(vi)	
 	
Qualified Match:    Employer Matching Contributions will be treated as Qualified Matching Contributions to the extent specified by the Employer at the time the Matching
Employer Contributions are made.
	
 	
 	

 	
 	

 	
 	

 	
 	

 	
 	

 	
 	

 

6

 

	

 	
 	

 	
 	

 	
 	

 	
 	

(vii)	
 	
Matching Contribution Computation Period:    The time period upon which matching contributions will be based shall be:
	

 	
 	

 	
 	

 	
 	

 	
 	

o	
 	

(A)	
 	

weekly
	

 	
 	

 	
 	

 	
 	

 	
 	

o	
 	

(B)	
 	

bi-weekly
	

 	
 	

 	
 	

 	
 	

 	
 	

ý	
 	

(C)	
 	

semi-monthly
	

 	
 	

 	
 	

 	
 	

 	
 	

o	
 	

(D)	
 	

monthly
	

 	
 	

 	
 	

 	
 	

 	
 	

o	
 	

(E)	
 	

quarterly
	

 	
 	

 	
 	

 	
 	

 	
 	

o	
 	

(F)	
 	

semi-annually
	

 	
 	

 	
 	

 	
 	

 	
 	

o	
 	

(G)	
 	

annually
	

 	
 	

o	
 	

(d)	
 	

Qualified Non-Elective Employer Contribution—[See paragraphs (g), (h) and (i)] These contributions are fully vested when contributed.
	

 	
 	

 	
 	

 	
 	

The Employer shall have the right to make an additional discretionary contribution which shall be allocated to each eligible Employee in proportion to his or her Compensation as a percentage of the Compensation of all eligible Employees. This part of
the Employer's contribution and the allocation thereof shall be unrelated to any Employee contributions made hereunder. The amount of Qualified non-Elective Contributions taken into account for purposes of meeting the ADP or ACP test requirements is
the amount necessary to meet both the ADP and ACP tests. Qualified non-Elective Contributions will be made to only non-Highly Compensated Employees eligible to participate.
	

 	
 	

ý	
 	

(e)	
 	

Additional Employer Contribution Other Than Qualified Non-Elective Contributions—Non-Integrated [See paragraphs (g), (h) and (i)]
	

 	
 	

 	
 	

 	
 	

The Employer shall have the right to make an additional discretionary contribution which shall be allocated to each eligible Employee in proportion to his or her Compensation as a percentage of the Compensation of all eligible Employees. This part of
the Employer's contribution and the allocation thereof shall be unrelated to any Employee contributions made hereunder.
	

 	
 	

o	
 	

(f)	
 	

Additional Employer Contribution—Integrated Allocation Formula [See paragraphs (g), (h) and (i)]
	

 	
 	

 	
 	

 	
 	

The Employer's contribution for the Plan Year plus any forfeitures (only if they are reallocated to Participants under Section 9 herein), shall be allocated to the accounts of eligible Participants as set forth in the Basic Plan
Document #04 of paragraph 5.3.
	

 	
 	
NOTE:	
 	

Only one plan maintained by the Employer may be integrated with Social Security.
	

 	
 	

 	
 	

(g)	
 	

Allocation of Excess Amounts (Annual Additions)
	

 	
 	

 	
 	

 	
 	

Excess deferrals which result in an Excess Amount shall be returned to the Participant. In the event that the allocation formula of other contributions results in an Excess Amount, such excess shall be:
	

 	
 	

 	
 	

 	
 	

o	
 	

(i)	
 	

placed in a suspense account accruing no gains or losses for the benefit of the Participant.
	

 	
 	

 	
 	

 	
 	
NOTE:	
 	

For every Limitation Year, or part thereof, that a suspense account exists, the Employer will be subjected to a ten-percent penalty on the monies held in the suspense account.

7

  

	

 	
 	

 	
 	

ý	
 	

(ii)	
 	

reallocated as additional Employer contributions to all other Participants to the extent that they do not have any Excess Amount.
	

 	
 	

 	
 	

If no answer is specified, the suspense account method will be used.
	

 	
 	

(h)	
 	

Minimum Employer Contribution Under Top-Heavy Plans:
	

 	
 	

 	
 	

For any Plan Year during which the Plan is Top-Heavy, the sum of the contributions and forfeitures as allocated to eligible Employees under paragraphs 7(d), 7(e), 7(f), and 9 of this Adoption Agreement shall not be less than the amount required
under paragraph 14.2 of the Basic Plan Document #04. Top-Heavy minimums will be allocated to:
	

 	
 	

 	
 	

o	
 	

(i)	
 	

all eligible Participants
	

 	
 	

 	
 	

ý	
 	

(ii)	
 	

only eligible non-Key Employees who are Participants.
	

 	
 	

(i)	
 	

Return of Excess Contributions and/or Excess Aggregate Contributions:
	

 	
 	

 	
 	

In the event that one or more Highly Compensated Employees is subject to both the ADP and ACP tests and the sum of such tests exceeds the Aggregate Limit, the limit will be satisfied by reducing the ACP of the affected Highly Compensated
Employees.
	
8.	
 	

ALLOCATIONS TO TERMINATED EMPLOYEES
	

 	
 	

(a)	
 	

The Employer will not allocate Employer related contributions to Employees who terminate during a Plan Year, unless required to satisfy the requirements of Code Section 401(a)(26) and 410(b). (These requirements are effective for 1989 and subsequent
Plan Years.)
	

 	
 	

(b)	
 	

The Employer will allocate Employer related contributions to any Participant who terminates during the Plan Year without accruing the necessary Hours of Service if they terminate as a result of:
	

 	
 	

 	
 	

 	
 	

ý	
 	

(i)	
 	

Retirement.
	

 	
 	

 	
 	

 	
 	

ý	
 	

(ii)	
 	

Disability.
	

 	
 	

 	
 	

 	
 	

ý	
 	

(iii)	
 	

Death.
	

 	
 	

 	
 	

 	
 	

o	
 	

(iv)	
 	

Other termination
	
9.	
 	

ALLOCATION OF FORFEITURES
	

 	
 	
NOTE:	
 	

Subsections (a), (b) and (c) below apply to forfeitures of amounts other than Excess Aggregate Contributions.
	

 	
 	

(a)	
 	

Allocation Alternatives:	
 	

 
	

 	
 	

 	
 	

o	
 	

(i)	
 	

Not Applicable. All contributions are always fully vested.
	

 	
 	

 	
 	

o	
 	

(ii)	
 	

Forfeitures shall be allocated to Participants in the same manner as the Employer's contribution.
	

 	
 	

 	
 	

ý	
 	

(iii)	
 	

Forfeitures shall be applied to reduce the Employer's contribution for such Plan Year.
	

 	
 	

 	
 	

o	
 	

(iv)	
 	

Forfeitures shall be applied to offset administrative expenses of the Plan. If forfeitures exceed these expenses, (iii) above shall apply.
	
 	
 	

 	
 	

 	
 	

 	
 	

 	
 	

 	
 	

 

8

 

	

 	
 	

(b)	
 	

Date for Reallocation:	
 	

 
	

 	
 	
NOTE:	
 	

If no distribution has been made to a former Participant, sub-section (i) below will apply to such Participant even if the Employer elects (ii) or (iii) below as its normal administrative policy.
	

 	
 	

 	
 	

o	
 	

(i)	
 	

Forfeiture shall be reallocated at the end of the Plan Year during which the former Participant incurs his or her fifth consecutive one year Break In Service.
	

 	
 	

 	
 	

o	
 	

(ii)	
 	

Forfeitures will be reallocated immediately (as of the next Valuation Date).
	

 	
 	

 	
 	

ý	
 	

(iii)	
 	

Forfeitures will be reallocated as of the end of the Plan Year in which the Participant separates from service.
	

 	
 	

 	
 	

o	
 	

(iv)	
 	

Forfeitures shall be reallocated at the end of the Plan Year during which the former Employee incurs his or her        (1st, 2nd, 3rd, or 4th) consecutive one year Break In Service.
	

 	
 	

(c)	
 	

Restoration of Forfeitures:
	

 	
 	

 	
 	

If amounts are forfeited prior to five consecutive 1-year Breaks in Service, the Funds for restoration of account balances will be obtained from the following resources in the order indicated (fill in 1 and 2 in the following boxes to indicate
order):
	

 	
 	

 	
 	

[1]	
 	

(i)	
 	

Current year's forfeitures.
	

 	
 	

 	
 	

[2]	
 	

(ii)	
 	

Additional Employer contribution.
	

 	
 	

 	
 	

If no answer is specified, the order will be (i) and (ii).
	

 	
 	

(d)	
 	

Forfeitures of Excess Aggregate Contributions shall be:
	

 	
 	

 	
 	

ý	
 	

(i)	
 	

Applied to resource Employer contributions.
	

 	
 	

 	
 	

o	
 	

(ii)	
 	

Allocated, after all other forfeitures under the Plan, to the Matching Contribution account of each non-Highly Compensated Participant who made Elective Deferrals in the ratio which each such Participant's Compensation for the Plan Year bears to the
total Compensation of all Participants for such Plan Year. Such forfeitures cannot be allocated to the account of any Highly Compensated Employee.
	
10.	
 	

CASH OPTION	
 	

 
	

 	
 	

o	
 	

(a)	
 	

The Employer may permit a Participant to elect to defer to the Plan, an amount not to exceed      % of any Employer paid cash bonus made for such Participant for any year. A Participant must file an election to defer
such contribution at least fifteen (15) days prior to the end of the Plan Year. If the Employee fails to make such an election, the entire Employer paid cash bonus to which the Participant would be entitled shall be paid as cash and not to the
Plan.

Amounts deferred under this section shall be treated for all purposes as Elective Deferrals. Notwithstanding the above, the election to defer must be made before the bonus is made available to the Participant.
	

 	
 	

ý	
 	

(b)	
 	

Not Applicable.
	

 	
 	

 	
 	

If no answer is specified, option (b) will apply.
	
 	
 	

 	
 	

 	
 	

 	
 	

 	
 	

 	
 	

 

9

 

	
11.	
 	

LIMITATIONS ON ALLOCATIONS
	

 	
 	

o	
 	

This is the only Plan the Employer maintains or ever maintained, therefore, this section is not applicable.
	

 	
 	

ý	
 	

The Employer does maintain or has maintained another Plan (including a Welfare Benefit Fund or an individual medical account (as defined in Code Section 415(1)(2)), under which amounts are treated as Annual Additions) and has completed the proper
sections below. East West Insurance Agency—Frozen 401(k) Plan
	

 	
 	

Complete (a), (b) and (c) only if the Employer maintains or ever maintained another qualified plan, including a Welfare Benefit Fund or an individual medical account [as defined in Code Section 415(1)(2)] in which any Participant in this Plan is (or
was) a participant or could possibly become a participant.
	

 	
 	

(a)	
 	

If the Participant is covered under another qualified Defined Contribution Plan maintained by the Employer, other than a Master or Prototype Plan:
	

 	
 	

 	
 	

o	
 	

(i)	
 	

the provisions of Article X of the Basic Plan Document #04 will apply, as if the other plan were a Master or Prototype Plan.
	

 	
 	

 	
 	

o	
 	

(ii)	
 	

Attach provisions stating the method under which the plans will limit total Annual Additions to the Maximum Permissible Amount, and will properly reduce any Excess Amounts, in a manner that precludes Employer discretion.
	

 	
 	

 	
 	

If no answer is specified, option (i) will apply.
	

 	
 	

(b)	
 	

If a Participant is or ever has been a participant in a Defined Benefit Plan maintained by the Employer;
	

 	
 	

 	
 	

Attach provisions which will satisfy the 1.0 limitation of Code Section 415(e). Such language must preclude Employer discretion. The Employer must also specify the interest and mortality assumptions used in determining Present Value in the Defined
Benefit Plan.
	

 	
 	

(c)	
 	

The minimum contribution or benefit required under Code Section 416 relating to Top-Heavy Plans shall be satisfied by:
	

 	
 	

 	
 	

ý	
 	

(i)	
 	

this Plan.
	

 	
 	

 	
 	

o	
 	

(ii)	
 	

                                         
                                          
 

(Name of other qualified plan of the Employer).
	

 	
 	

 	
 	

o	
 	

(iii)	
 	

Attach provisions stating the method under which the minimum contribution and benefit provisions of Code Section 416 will be satisfied. If a Defined Benefit Plan is or was maintained, an attachment must be provided showing interest and mortality
assumptions used in the Top-Heavy Ratio.
	

 	
 	

 	
 	

If no answer is specified, option (i) will apply.
	
12.	
 	

VESTING
	

 	
 	

Contributions under paragraph 7(b), 7(c)(vi) and 7(d) are always fully vested. Employer contributions shall be subject to the vesting table selected by the Employer below. A Participant shall receive credit for a Year of Service as specified at
3(j)(iii) of this Adoption Agreement.
	

 	
 	

(a)	
 	

Vesting Schedules:	
 	

 
	

 	
 	
NOTE:	
 	

The vesting schedules below only apply to a Participant who has at least one Hour of Service during or after the 1989 Plan Year. If applicable, Participants who separated from Service prior to the 1989 Plan Year will remain under the vesting schedule
as in effect in the Plan prior to amendment for the Tax Reform Act of 1986.
	
 	
 	

 	
 	

 	
 	

 	
 	

 	
 	

 	
 	

 

10

 

	

 	
 	

 	
 	

(i)	
 	

Full and immediate vesting.

	 
	 	 
	 	Years of Service
	 
	 
	 	 
	 	1
	 	2
	 	3
	 	4
	 	5
	 	6
	 	7
	 
	 	 	(ii)	 	 	%	100	%	 	 	 	 	 	 	 	 	 	 
	

 	
 	

(iii)	
 	

 	
%	

 	
%	

100	
%	

 	
 	

 	
 	

 	
 	

 	
 
	

 	
 	

(iv)	
 	

20	
%	

20	
%	

40	
%	

60	
%	

80	
%	

100	
%	

 	
 
	

 	
 	

(v)	
 	

 	
%	

 	
%	

20	
%	

40	
%	

60	
%	

80	
%	

100	
%
	

 	
 	

(vi)	
 	

10	
%	

20	
%	

30	
%	

40	
%	

60	
%	

80	
%	

100	
%
	

 	
 	

(vii)	
 	

 	
%	

 	
%	

 	
%	

 	
%	

100	
%	

 	
 	

 	
 
	

 	
 	

(viii)	
 	

20	
%	

40	
%	

60	
%	

80	
%	

100	
%	

100	
%	

100	
%

	 	 	NOTE:	 	The percentages selected for schedule (viii) may not be less for any year than the percentages shown at schedule (v).
	

 	
 	

 	
 	

Contributions will vest as provided below:

	Vesting

Options Selected
	 	Type Of Employer Contribution

	viii	 	7(c) Employer Match on Salary Savings
	
viii	
 	

7(e) or (f) Employer Discretionary

	

 	
 	

(b)	
 	

Top-Heavy Vesting	
 	

 
	

 	
 	

 	
 	

For any Plan Year in which this Plan is Top-Heavy, the following minimum vesting rules will apply:
	

 	
 	

 	
 	

 	
 	

(i)	
 	

Schedules (v), (vi), and (viii) above will automatically shift to schedule (iv).
	

 	
 	

 	
 	

 	
 	

(ii)	
 	

Schedule (vii) above will automatically shift to schedule (iii).
	

 	
 	

(c)	
 	

Service disregarded for Vesting:	
 	

 
	

 	
 	

 	
 	

ý	
 	

(i)	
 	

No service will be disregarded.
	

 	
 	

 	
 	

o	
 	

(ii)	
 	

Service prior to the Effective Date of this Plan or a predecessor plan shall be disregarded when computing a Participant's vested and nonforfeitable interest.

	

 	
 	

 	
 	

o	
 	

(iii)	
 	

Service prior to a Participant having attained age 18 shall be disregarded when computing a Participant's vested and nonforfeitable interest.

11

  

	13.	 	SERVICE WITH PREDECESSOR ORGANIZATION
	

 	
 	

For purposes of satisfying the Service requirements for eligibility, Hours of Service shall include Service with the following predecessor organization(s):

(These hours will also be used for vesting purposes.)
	

 	
 	
First Central Bank

American International Bank

Prime Bank
	

14.	
 	

ROLLOVER/TRANSFER CONTRIBUTIONS
	

 	
 	

(a)	
 	

Rollover Contributions, including Direct Rollovers, as described at paragraph 1.69 of the Basic Plan Document #04, [x] shall [  ] shall not be permitted to be made to the Plan. If permitted, Employees [  ]
 may [x] may not make Rollover Contributions prior to meeting the eligibility requirements for participation in the Plan.
	

 	
 	

(b)	
 	

Transfer Contributions, as described at paragraph 4.4 of the Basic Plan Document #04 [x] shall [  ] shall not be permitted to be made to the Plan. If permitted, Employees [  ] may [x] may not make
Transfer Contributions prior to meeting the eligibility requirements for participation in the Plan.
	

 	
 	
NOTE:	
 	

Even if available, the Employer may refuse to accept such contributions if its Plan meets the safe-harbor rules of paragraph 8.7 of the Basic Plan Document #04.
	
15.	
 	

HARDSHIP WITHDRAWALS
	

 	
 	

Hardship withdrawals, as provided for in paragraph 6.9 of the Basic Plan Document #04, [x] are [  ] are not permitted. If permitted, Hardship withdrawals [x] shall [  ] shall not be limited to
Elective Deferrals.
	
16.	
 	

PARTICIPANT LOANS
	

 	
 	

Participant loans, as provided for in paragraph 13.8 of the Basic Plan Document #04, [x] are [  ] are not permitted. If permitted, repayments of principal and interest shall be repaid to the Participant's segregated
account.
	
17.	
 	

INSURANCE POLICIES
	

 	
 	

The insurance provisions of paragraph 13.9 of the Basic Plan Document #04 [  ] shall [x] shall not be applicable.
	
18.	
 	

INVESTMENT DIRECTION
	

 	
 	

o	
 	

(a)	
 	

Employer Investment Direction
	

 	
 	

 	
 	

 	
 	

The Employer investment direction provisions, as set forth in Article XIII of the Basic Plan Document #04, shall be applicable as to the following:
	

 	
 	

 	
 	

o	
 	

(ii)	
 	

Employer Discretionary and Matching Monies
	

 	
 	

 	
 	

o	
 	

(iii)	
 	

Employer Discretionary Monies excluding Matching Monies
	

 	
 	

 	
 	

o	
 	

(iv)	
 	

Employer Matching Monies only.
	

 	
 	

ý	
 	

(b)	
 	

Employee Investment Direction
	

 	
 	

 	
 	

 	
 	

 	
 	

 	
 	

Employee investment direction provisions, as set forth in Article XIII of the Basic Plan Document #04, shall be applicable to all monies not directed by Employer.
	
 	
 	

 	
 	

 	
 	

 	
 	

 	
 	

 	
 	

 

12

 

	

 	
 	

If no answer is specified, Employee Investment Direction will apply.
	

 	
 	
NOTE:	
 	

Each of the mutual funds in which the Plan may invest carries its own fees and expenses, which may include management fees, Rule 12b-1 fees and/or other fees and expenses, which are described in detail in each Fund's prospectus. Employees who
invest in one or more of these mutual funds will, as shareholders of those mutual funds, bear their pro-rata portion of each fund's fees and expenses and may also pay a sales charge or contingent deferred sales charge in connection with their
purchase of fund shares. Employer acknowledges that Prudential Securities Incorporated (PSI) and Pruco Securities Corporation (Prusec) may be deemed to benefit from advisory and other fees paid to its affiliates in connection with the management and
operation of the mutual funds in which the Employee may invest, from sales charges and contingent deferred sales charges imposed as described in the prospectus and from fees paid to The Prudential Insurance Company of America in connection with the
Guaranteed Interest Account.
	
19.	
 	

EARLY PAYMENT OPTION
	

 	
 	

 	
 	

(a)	
 	

A Participant who has attained age 591/2 and who has not separated from Service [x] may [    ] may not obtain a distribution of his or her vested Employer contributions.
	

 	
 	

 	
 	

(b)	
 	

A Participant who has attained the Plan's Normal Retirement Age and who has not separated from Service [x] may [  ] may not receive a distribution of his or her vested account balance.
	

 	
 	
NOTE:	
 	

If the Participant has had the right to withdraw his or her account balance in the past, this right may not be taken away. Notwithstanding the above, to the contrary, required minimum distributions will be paid. For timing of distributions, see
item 20 below.
	
20.	
 	

DISTRIBUTION OPTIONS
	

 	
 	

(a)	
 	

Timing of Distributions:
	

 	
 	

 	
 	

In cases of termination benefits shall be paid:
	

 	
 	

 	
 	

ý	
 	

(i)	
 	

As soon as administratively feasible following the close of the Plan Year during which a distribution is requested or is otherwise payable.
	

 	
 	

 	
 	

ý	
 	

(ii)	
 	

As soon as administratively feasible, following the date on which a distribution is requested or is otherwise payable.
	

 	
 	

 	
 	

o	
 	

(iii)	
 	

Only after the Participant has achieved the Plan's Normal Retirement Age, or Early Retirement Age, if applicable.
	

 	
 	

 	
 	

 	
 	

 	
 	

If no answer is specified, option (ii) will apply.
	

 	
 	

(b)	
 	

Optional Forms of Payment:
	

 	
 	

 	
 	

ý	
 	

(i)	
 	

Lump Sum.
	

 	
 	

 	
 	

o	
 	

(ii)	
 	

Installment Payments.
	

 	
 	

 	
 	

ý	
 	

(iii)	
 	

Other form(s)* as specified:
	

 	
 	

 	
 	

 	
 	

 	
 	
See Attached Addendum
	

 	
 	

 	
 	

If no answer is specified, option (i) will apply.
	
 	
 	

 	
 	

 	
 	

 	
 	

 	
 	

 	
 	

 

13

 

	

 	
 	

 	
 	

* Annuities are only available in either a nonsafe-harbored Plan which does not meet the provisions of paragraph 8.7 of Basic Plan Document #04 or in a Plan which previously offered annuities as an optional form of payment.
	
21.	
 	

SPONSOR CONTACT
	

 	
 	

The Sponsor of this Prototype Plan is Prudential Mutual Management, Inc., One Seaport Plaza, New York, New York 10292. Any questions regarding this Prototype Plan document may be directed to your Prudential Representative. You may also call
Prudential Mutual Fund Services at (800) 848-4015.
	
 	
 	

 	
 	

 	
 	

 	
 	

 	
 	

 	
 	

 

14

   22. SIGNATURES:  

Due to the significant tax ramifications, the Sponsor recommends that before you execute this Adoption Agreement, you contact your attorney or tax advisor, if
any.

The
adopting Employer understands that there are fees for each account under the Plan. The Basic Plan Document contains a pre-dispute arbitration clause found in
Article XIII, Section 13.7 Arbitration.

IF
EMPLOYER INVESTMENT DIRECTION APPLICABLE, NAME(S) OF INDIVIDUAL(S) AUTHORIZED TO ISSUE INVESTMENT AND ADMINISTRATIVE INSTRUCTIONS TO THE PLAN SPONSOR OR AFFILIATE: 

(a)
EMPLOYER: 

This
agreement and the corresponding provisions of the Plan and Trust Basic Plan Document #04 were adopted by the Employer on the 28th day of February, 2002. 

	

Signed for the Employer by:	
 	

/s/ Julia S. Gouw (Julia S. Gouw)

	

Title:	
 	

EVP/CFO

	

Signature:	
 	

/s/ Julia S. Gouw

The Employer understands that its failure to properly complete the Adoption Agreement may result in disqualification of its Plan.

Employer's
Reliance: The adopting Employer may not rely on an opinion letter issued by the National Office of the Internal Revenue Service as evidence that the Plan is qualified under Code
Section 401. In order to obtain reliance with respect to Plan qualification, the Employer must apply to the appropriate Key District Office for a determination letter. 

This
Adoption Agreement may only be used in conjunction with Basic Plan Document #04. 

20

 

22. SIGNATURES  

Due to the significant tax ramifications, the Sponsor recommends that before you execute this Adoption Agreement, you contact your attorney or tax
advisor.

The
adopting Employer understands that there are fees for each account under the Plan. The Basic Plan Document contains a pre-dispute arbitration clause found in
Article XIII, Section 13.7 Arbitration.

(a)
EMPLOYER: 

Name
and address of Employer if different than specified in Section 1 above. 

East West Insurance Agency EIN: 95-4084534

2491 Huntington Drive

San Marino, CA 91108

IF
EMPLOYER INVESTMENT DIRECTION APPLICABLE, NAME(S) OF INDIVIDUAL(S) AUTHORIZED TO ISSUE INVESTMENT AND ADMINISTRATIVE INSTRUCTIONS TO THE PLAN SPONSOR OR AFFILIATE: 

This
agreement and the corresponding provisions of the Plan and Trust Basic Plan Document #04 were adopted by the Employer on the 28th day of February, 2002. 

	

Signed for the Employer by:	
 	

Julia S. Gouw

	

Title:	
 	

EVP/CFO

	

Signature:	
 	

/s/ Julia S. Gouw

The Employer understands that its failure to properly complete the Adoption Agreement may result in disqualification of its Plan.

Employer's
Reliance: The adopting Employer may not rely on an opinion letter issued by the National Office of the Internal Revenue Service as evidence that the Plan is qualified under Code
Section 401. In order to obtain reliance with respect to Plan qualification, the Employer must apply to the appropriate Key District Office for a determination letter. 

This
Adoption Agreement may only be used in conjunction with Basic Plan Document #04. 

21

 

ý
(b) TRUSTEE: 

Name
of Trustee: 

NOTE: There is an annual trustee fee charged under the Plan if Prudential Trust Company is appointed as Trustee. 

ý
The Trustee(s) will be the following individuals: 

Prudential Trust Company

30 Scranton Office Park

Scranton, PA 18507-1789

The
assets of the Fund shall be invested in accordance with paragraph 13.3 of the Basic Plan Document #04 as a Trust. As such, the Employer's Plan as contained herein was accepted by the
Trustee the 20th day of March, 2002. 

	

Signed for the Trustee by:	
 	

/s/ [illegible]
 Signature	
 	

Michael G. Williamson

V.P., Prudential Trust Company
 Signature
	

 	
 	

 Signature	
 	

 Signature
	

 	
 	

 Signature	
 	

 Signature

(c)
Prudential Mutual Fund Management, Inc. 

The
Employer's Agreement and the corresponding provisions of the Plan and Trust Basic Plan Document #04 were accepted by Prudential Mutual Fund Management, Inc. the 1st day of March,
2002. 

	

Signed for by:	
 	

Rhonda Ryan

	

Title:	
 	

Senior Pension Consultant

	

Signature:	
 	

/s/ Rhonda Ryan

22

 
 

Addendum to
  East West Bank Employees 401(k) Savings Plan    
  

        This
will certify that optional forms of benefit payments are benefits which have accrued under the predecessor plan which cannot be cut back under Section 411(d)(6) of the
Internal Revenue Code of 1986, as amended (the "Code"). 

        With
respect to all Participants in the American International Bank Tax Deferred Income & Profit Sharing Plan as of 1-14-2000, the following forms of benefit payment are applicable: 

        The
normal form of benefit for a married Participant shall be payable as a Qualified Joint and 50% Survivor Annuity. 

        The
normal form of benefit for an unmarried Participant shall be payable as a life annuity. 

        Installment
payments will be an option form of distribution. 

	Signed for the Employer by:	 	CLARA TSE
	 	 
	Title:	 	FVP-Special Projects
	 	 
	Signature:	 	/s/  CLARA TSE      
	 	 
	Date:	 	2-2-2000
	 	 

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NON-STANDARDIZED ADOPTION AGREEMENT PROTOTYPE CASH OR DEFERRED PROFIT-SHARING PLAN AND TRUST Sponsored by PRUDENTIAL MUTUAL FUND MANAGEMENT, INC.

Addendum to East West Bank Employees 401(k) Savings PlanQuickLinks
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Exhibit 10.12    
  

 
 

SBA Loan No. GP-452368 40 08-CAS    
  

 
 

MODIFICATION OF A PROMISSORY NOTE WITH A BLENDED RATE    
  

        WHEREAS, heretofore and under the date of July 17, 2001, Sento Corporation, a Utah corporation, of  American
Forks, Utah (hereinafter called "Borrower"), made, executed and delivered to Wyoming Industrial Development Corporation
of Casper, Wyoming, one Promissory Note in the original principal amount of  $1,000,000.00; payable as follows: 

        Borrower
must pay a total of 6 payments of interest only on the disbursed principal balance beginning one month from the month this Note is dated and every month thereafter;
payments must be made on the 15th calendar day in the months they are due. 

        Borrower
must pay principal and interest payments of $21,388.00 every month, beginning seven months from the month this note is dated; payments must be made on the 15th calendar day in
the months they are due. 

        All
remaining principal and accrued interest is due and payable 5 years from the date of the Note. 

        WHEREAS,
it is mutually desirable, beneficial and agreeable to the parties hereto that the repayment terms of said Note be modified as hereinafter set out. 

        NOW,
THEREFORE, in consideration of the mutual benefits inuring to each other, it is understood and agreed, by and between the parties hereto, that the terms and conditions of Borrower's
Note, as above described, are hereby modified as follows: 

        The
gross amount of the loan will be reduced to $87,400.00. Borrower will pay interest only payments of $619.09  per month, payments to be made on the
15th calendar day in the months they are due, until the date of assignment to the Wyoming State
Treasurer. After the assignment, the loan rate shall be a blended rate of 6.6719 percent as a result of the  twenty-five percent of
the loan balance retained by the Lender, Wyoming Industrial Development Corporation  accruing interest at the rate of 8.50 percent and the seventy-five percent guaranteed portion of the loan balance sold to the
Wyoming State Treasurer accruing interest at the rate of 6.0625 percent until July 15, 2006 (the maturity date of the Note) and as more fully set
forth below. 

        Installments,
including principal and interest, each in the amount of $1,972.89 payable monthly commencing on the fifteenth of the first
full month subsequent to the date of said assignment. The balance of principal and interest at the end of the period referred to above, or at such time as said Note is no longer assigned to the
Treasurer, shall be amortized with monthly principal and interest payments sufficient to fully amortize the remaining loan balance over the remaining term of the loan. Interest shall be a rate of
1.50% over New York prime as quoted in the Wall Street Journal. If this loan is assigned to the Small Business Administration, the interest rate of 1.50% over New York prime shall become effective not
later than the day before the date of the assignment of the Note to the Small Business Administration. 

        Borrower
agrees to pay a late charge equal to 5% of the payment amount due if such payment is not received within 15 days of the due date. 

        Borrower
shall have the exclusive right to prepay any installment of principal and interest or multiples thereof prior to maturity date without penalty but if said payment is more than
twenty (20) percent of the outstanding balance borrower will be required to provide Lender within fifteen (15) days prior notice thereof. 

        If
the collateral for this loan should be sold or otherwise transferred, or any interest of the Borrower is transferred at voluntary or judicial sale or otherwise, or if any part thereof
should be so 

transferred without the agreement of the Wyoming State Treasurer, then the Wyoming State Treasurer shall have the right after reasonable consideration, and upon thirty (30) days written notice, to
terminate the subsidized rate. The interest rate of Note shall then go to a rate equal to 1.50% over New York prime, as quoted in the Wall Street Journal, computed on the last business day of the
month preceding the State's written notice of refusal and shall continue on the entire outstanding loan balance for the remaining term of the loan. 

        It
is further understood and agreed to that all other terms, conditions and covenants of the aforesaid Note, not otherwise modified hereby, shall be and remain the same, and that this
Agreement, when executed by the parties hereto, shall be attached to and become a part of the original Note, and shall
have the same force and effect as if the terms and conditions hereof were originally incorporated in the Note, prior to its execution thereof. 

        IN
WITNESS WHEREOF this Agreement is executed by the undersigned parties as of the 28th day of March, 2002. 

Sento
Corporation 

BY: 

Stanley
J. Cutler

Senior Vice President of Finance & Secretary 

ACCEPTED
BY:

Diane Johnston

President

Wyoming Industrial Development Corporation 

THE
GUARANTEED PORTION OF THIS NOTE HAS BEEN SOLD TO A REGISTERED HOLDER FOR VALUE. 

	

 	
 	

 	

 
	Date:
	 	By:	/s/  DIANE JOHNSTON      
 Diane Johnston

President
 WYOMING INDUSTRIAL DEVELOPMENT CORPORATION

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Exhibit 10.12

SBA Loan No. GP-452368 40 08-CAS

MODIFICATION OF A PROMISSORY NOTE WITH A BLENDED RATE

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