Document:

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                                                                    EXHIBIT 4(F)

                      SECOND AMENDMENT TO CREDIT AGREEMENT

         This Second Amendment to Credit Agreement (the "Amendment") is made as
of April 30, 2003, by and among CERNER CORPORATION, a Delaware corporation (the
"Borrower"); U.S. BANK NATIONAL ASSOCIATION, a national banking association, in
its capacity as Administrative Agent, Lead Arranger, Swingline Lender, Issuing
Bank and a Bank; LASALLE BANK NATIONAL ASSOCIATION, a national banking
association, in its capacity as Documentation Agent and a Bank; COMMERCE BANK,
N.A., a national banking association, in its capacity as a Bank; and UMB BANK,
N.A., a national banking association, in its capacity as a Bank. Capitalized
terms used and not defined hereunder have the meanings given to them in the
Credit Agreement referred to below.

                             Preliminary Statements

         (a) The Borrower and the Bank Parties are parties to a Credit Agreement
dated as of May 31, 2002, as amended by a First Amendment to Credit Agreement
dated as of July 22, 2002 (as so amended, the "Credit Agreement").

         (b) The Borrower has requested that (1) Section 6.11 of the Credit
Agreement be amended with respect to the Borrower's right to pay dividends and
redeem its stock from time to time, and (2) the Borrower be permitted (a) to
dissolve the corporate existence of Cerner FSC, Inc. and to distribute its
assets to Cerner International, Inc., and (b) to dissolve the corporate
existence of Zynx Health Incorporated, a California corporation, and to
distribute its assets, and to cause its obligations under the Credit Documents
to be assumed by, Zynx Health Incorporated, a newly-formed Delaware corporation
wholly owned by the Borrower. The Bank Parties are willing to agree to the
foregoing requests, subject, however, to the terms, conditions and agreements
set forth below.

         NOW, THEREFORE, the parties agree as follows:

         1.       DEFINITION.  Section 1.1 of the Credit Agreement is amended
                  to add the following defined term:

                           "Second Amendment" shall mean the Second Amendment to
                  Credit Agreement, dated as of April 30, 2003, among the
                  Borrower and the Bank Parties.

         2.       STOCK REDEMPTIONS. Section 6.11 of the Credit Agreement is
                  deleted and is replaced with the following:

                           6.11. Dividends and Distributions. The Borrower shall
                  not, nor shall it permit any of its Subsidiaries to, declare
                  or pay, directly or indirectly, any dividend or make any other
                  distribution (by reduction of capital or otherwise), whether
                  in cash, property, securities or otherwise, with respect to
                  any shares of its capital stock or directly or indirectly
                  redeem, purchase, retire or otherwise acquire for value any
                  shares of any class of its capital stock or set aside any
                  amount for any such purpose (the foregoing transactions being
                  collectively called "Restricted Payments"); provided, however,
                  that (a) the Borrower and its Subsidiaries may declare and pay

<PAGE>

                  dividends payable solely in shares of its common stock, (b)
                  any Subsidiary of the Borrower may make Restricted Payments to
                  the Borrower or to any Guarantor Subsidiary, and (c) during
                  any fiscal quarter, the Borrower may declare and pay cash
                  dividends, and/or redeem, purchase, retire or otherwise
                  acquire for value any shares of any class of its capital stock
                  or set aside any amount for any such purpose (collectively
                  "Permitted Payments"), in each case if (1) no Default or Event
                  of Default then exists or would result therefrom, and (2) the
                  aggregate amount of Permitted Payments made during such fiscal
                  quarter, together with the aggregate amount of Permitted
                  Payments made during the preceding three fiscal quarters, does
                  not exceed the lesser of:

                                    (A) the greater of (i) $40,000,000 or (ii)
                           50% of Consolidated Net Income for the four fiscal
                           quarters most recently ended (and for which financial
                           statements have been delivered to the Administrative
                           Agent and the Banks pursuant to Section 6.1), or

                                    (B) 100% of Consolidated Net Income for the
                           four fiscal quarters most recently ended (and for
                           which financial statements have been delivered to the
                           Administrative Agent and the Banks pursuant to
                           Section 6.1).

         3. CONSENT TO PROPOSED TRANSACTIONS. The Borrower has advised the Bank
Parties that, subject to the Borrower obtaining the consents and waivers set
forth in this Amendment, the Borrower intends to enter into the following
transaction or cause the following transactions to be entered into, in each case
within 60 days after the date of this Amendment (for purposes of this Amendment,
collectively, the "Proposed Transactions"):

                  (a)      The Borrower will cause the corporate existence of
                           Cerner FSC, Inc., a corporation organized under the
                           laws of Barbados ("Cerner FSC"), to be dissolved,
                           and, in connection therewith, cause all then-existing
                           assets of Cerner FSC to be distributed to Cerner
                           International, Inc.; and

                  (b)      The Borrower will cause Zynx Health Incorporated, a
                           California corporation ("Zynx-California"), to be
                           merged with and into Zynx Health Incorporated, a
                           newly-formed Delaware corporation wholly-owned by the
                           Borrower ("Zynx-Delaware"), with Zynx-Delaware being
                           the sole surviving entity, and such that all
                           obligations of Zynx-California under the Subsidiary
                           Guaranty and any other Credit Documents to which it
                           is a party become, by operation of law, the
                           obligations of Zynx-Delaware (such merger being
                           referred to herein as the "Zynx Merger").

         The Bank Parties hereby (1) consent to the Proposed Transactions and
waive any Default or Event of Default that may arise under the Credit Agreement
or any of the other Credit Documents solely as a result of the Borrower and/or
any Subsidiaries of the Borrower identified above entering into the Proposed
Transactions, (2) agree that, effective upon the consummation of the Proposed
Transactions, and without further action on any Person's part, Schedule 5.12 of
the Credit Agreement shall be deemed to reflect the consummation of the Proposed
Transactions, and (3) waive the Borrower's obligation under Section 6.9(b) of

                 Second Amendment to Credit Agreement -- Page 2

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the Credit Agreement to cause Zynx-Delaware to become a party to the Subsidiary
Guaranty within five Business Days after it became a Subsidiary, provided that
Zynx-Delaware becomes a party to the Subsidiary Guaranty within 5 Business Days
after the consummation of the Zynx Merger, as provided in the following
sentence. The foregoing consent, waiver and agreement is subject to the
conditions subsequent that (A) the Proposed Transactions are consummated in all
material respects within 60 days after the date of this Amendment, and (B) not
later than 5 Business Days after the consummation of the Zynx Merger, (i) the
Borrower causes Zynx-Delaware to formally become a party to the Subsidiary
Guaranty by executing and delivering such documents as the Administrative Agent
may reasonably request, and (ii) the Borrower causes Zynx-Delaware to deliver to
the Administrative Agent such certificates and other documents regarding its
corporate formation, existence and authority to act as the Administrative Agent
may require in accordance with Section 6.9(b) of the Credit Agreement.

         4. PRIOR DISSOLUTION OF HEALTH NETWORK VENTURES. The Borrower
represents and warrants to the Bank Parties that the Borrower has caused the
dissolution of Health Network Ventures, Inc., a Delaware corporation, and the
distribution of its assets to the Borrower, in each case in accordance with the
terms of the letter agreement dated December 16, 2002 among the Bank Parties and
the Borrower.

         5. CONDITIONS PRECEDENT TO AMENDMENT. Notwithstanding anything in this
Amendment to the contrary, unless and to the extent the Administrative Agent
waives the benefits of this sentence by giving written notice thereof to the
Borrower, none of the Bank Parties shall have any duties under this Amendment,
nor shall any waivers, releases or other concessions, if any, made or given by
any of the Bank Parties under this Amendment be effective, in each case until
the Administrative Agent has received fully executed originals of each of the
following, each in form and substance satisfactory to the Administrative Agent:

                  (A)      AMENDMENT. This Amendment;

                  (B)      OTHER. Such other documents as the Administrative
         Agent may reasonably request in connection with the transactions
         contemplated hereby.

         6. REPRESENTATIONS AND WARRANTIES. The Borrower represents and warrants
to the Bank Parties as follows: (a) it is a duly organized and validly existing
corporation and has full corporate power and authority to enter into this
Amendment and any documents or transactions contemplated hereby and to pay and
perform its obligations in respect of each of the foregoing; (b) the execution,
delivery and performance by the Borrower of this Amendment and any documents
contemplated hereby or any transactions contemplated hereby do not violate or
conflict with, or require any consent under, (i) the Borrower's certificate of
incorporation, by-laws, or any other agreement or document relating to the
Borrower's existence or authority to act, (ii) any agreement or instrument to
which the Borrower is a party or by which the Borrower or any of its properties
is bound, (iii) any court order, judicial proceeding or any administrative or
arbitral order or decree, or (iv) any applicable law, rule or regulation; and
(c) no authorization, approval or consent of or by, and no notice to or filing
or registration with, any governmental authority or any other Person is
necessary for the Borrower to enter into this Amendment or any document
contemplated hereby or any transaction contemplated hereby or to perform its
obligations with respect to each of the foregoing.

         7. REAFFIRMATION OF CREDIT DOCUMENTS. The Borrower reaffirms its
obligations under the Credit Agreement and the other Credit Documents to which
it is a party or by which it is bound, and represents, warrants and covenants to
the Bank Parties, as a material inducement to the Bank Parties to enter into
this Amendment and the transactions contemplated hereby, that (a) the Borrower
has no (and, in any event, hereby waives any) defense, claim or right of setoff
in respect of the Credit Agreement, any of the other Credit Documents or the
actions or inactions of any of the Bank Parties; and (b) all representations and
warranties made by the Borrower in the Credit Agreement and the other Credit
Documents are true and complete on the

                 Second Amendment to Credit Agreement -- Page 3

<PAGE>

date hereof as if made on the date hereof, except for any such representations
or warranties which specifically and expressly relate to an earlier date, which
representations and warranties were true and complete as of such earlier date.

         8. NO OTHER AMENDMENTS. Except as amended hereby, the Credit Agreement
and the other Credit Documents shall remain in full force and effect and be
binding on the Borrower in accordance with their respective terms.

         9. COUNTERPARTS; FAX SIGNATURES. This Amendment and any document
contemplated hereby may be executed in one or more counterparts and by different
parties thereto, all of which counterparts, when taken together, shall
constitute but one agreement. This Amendment and any document contemplated
hereby may be executed and delivered by facsimile or other electronic
transmission, and any such execution or delivery shall be fully effective as if
executed and delivered in person.

         10. LEGAL FEES. The Borrower shall pay the reasonable legal fees and
expenses incurred by the Administrative Agent in connection with the preparation
and closing of this Amendment and any other documents referred to herein and the
consummation of any transactions referred to herein.

         11. MO.REV.STAT. SS. 432.045 REQUIRED NOTICE. The following statement
is given pursuant to Mo.Rev.Stat. ss. 432.045: "ORAL AGREEMENTS OR COMMITMENTS
TO LOAN MONEY, EXTEND CREDIT OR TO FORBEAR FROM ENFORCING REPAYMENT OF A DEBT
INCLUDING PROMISES TO EXTEND OR RENEW SUCH DEBT ARE NOT ENFORCEABLE. TO PROTECT
YOU (BORROWER(S)) AND US (CREDITOR) FROM MISUNDERSTANDING OR DISAPPOINTMENT, ANY
AGREEMENTS WE REACH COVERING SUCH MATTERS ARE CONTAINED IN THIS WRITING, WHICH
IS THE COMPLETE AND EXCLUSIVE STATEMENT OF THE AGREEMENT BETWEEN US, EXCEPT AS
WE MAY LATER AGREE IN WRITING TO MODIFY IT." All other Credit Documents are
incorporated into this Amendment; provided, however, that, to the extent of any
direct conflict between the terms and conditions of the other Credit Documents
and this Amendment, the terms and conditions of this Amendment shall prevail and
govern.

         12. GOVERNING LAW. This Amendment shall be governed by the laws of the
State of Missouri without regard to any choice of law rule thereof giving effect
to the laws of any other jurisdiction.

                          [signature page(s) to follow]

                 Second Amendment to Credit Agreement -- Page 4

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         IN WITNESS WHEREOF, the parties have entered into this Amendment as of
the date first above written.

CERNER CORPORATION                           COMMERCE BANK, N.A., as a Bank

By:  /s/ Marc G. Naughton                    By:  /s/ Pam Hill
   -----------------------------------          -------------------------------
   Name:     Marc G. Naughton                   Name:  Pamela T. Hill
   Title:    CFO/Senior Vice President          Title:  Vice President

U.S. BANK NATIONAL ASSOCIATION,              UMB BANK, NA., as a Bank
as Administrative Agent,
Lead Arranger, Issuing Bank,
Swingline Lender and a Bank

By:  /s/ Mark R. Jorgenson                   By: /s/ Robert P. Elbert
   -----------------------------------          -------------------------------
   Name: Mark R. Jorgenson                      Name: Robert P. Elbert
   Title:    SVP                                Title:  Vice President

LASALLE BANK NATIONAL ASSOCIATION,
as Documentation Agent and a Bank

By:   /s/ James C. Binz
   -----------------------------------
   Name: James C. Binz
   Title: First Vice President

                        [Consent of Guarantors to follow]

             Second Amendment to Credit Agreement -- Signature Page

<PAGE>

                              CONSENT OF GUARANTORS

         Reference is made to the Guaranty dated as of May 31, 2002, in favor of
the Administrative Agent, on behalf of the Banks, the Swingline Lender and the
Issuing Bank, to which the undersigned (each a "Guarantor") are parties, either
as an original signatory thereto or pursuant to any subsequent assumption,
joinder or other agreements, and any other guaranty executed by any Guarantor in
favor of the Administrative Agent or any other Bank Party relating to any
indebtedness of the Borrower under any of the Credit Documents (collectively,
with respect to each Guarantor, such Guarantor's "Guaranty"). Capitalized terms
used and not defined in this Consent of Guarantors have the meanings given to
them in the Credit Agreement referred to in the above Amendment. To induce the
Bank Parties to enter into the above Amendment, each Guarantor: (a) consents to
the Borrower and the Bank Parties entering into the above Amendment; (b) agrees
that the execution, delivery and performance of the above Amendment and any
documents or transactions contemplated thereby shall not discharge, limit or
otherwise impair the obligations of such Guarantor under such Guarantor's
Guaranty; (c) agrees that such Guarantor's Guaranty is and remains in full force
and effect and is enforceable against such Guarantor in accordance with its
terms; (d) waives any defense, claim or right of setoff such Guarantor may have
in respect of such Guarantor's Guaranty, the Credit Agreement, the other Credit
Documents or the actions or inactions of any of the Bank Parties; and (e) agrees
that none of the Bank Parties has any duty to give such Guarantor notice of or
obtain such Guarantor's consent to the transactions described in the above
Amendment, and that the Bank Parties' giving of notice to such Guarantor and
obtainment of such Guarantor's consent in this instance shall not impose any
similar or other duty upon any of the Bank Parties in any future matter or
transaction. This Consent of Guarantors may be validly executed and delivered by
fax or other electronic transmission and in multiple counterparts and by
different parties thereto.

<TABLE>
<S>                                              <C>
CERNER PROPERTIES, INC.,                         CERNER INTERNATIONAL, INC.,
a Delaware corporation                           a Delaware corporation

By:    /s/Marc G. Naughton                       By:    /s/Marc G. Naughton
    --------------------------------------           ------------------------------------
    Name:     Marc G. Naughton                       Name:   Marc G. Naughton
    Title:    Vice President and Treasurer           Title:  Vice President and Treasurer

CERNER MULTUM, INC.,                             CERNER HEALTH CONNECTIONS, INC.,
a Delaware corporation                           a Delaware corporation

By:   /s/Marc G. Naughton                        By:  /s/Marc G. Naughton
    --------------------------------------           ------------------------------------
    Name:     Marc G. Naughton                       Name:   Marc G. Naughton
    Title:    Treasurer                              Title:  Vice President and Treasurer

CERNER HEALTH FACTS, INC.,                       CERNER CITATION, INC.,
a Delaware corporation                           a Delaware corporation

By:   /s/Marc G. Naughton                        By:  /s/Marc G. Naughton
    --------------------------------------           ------------------------------------
    Name:     Marc G. Naughton                       Name:   Marc G. Naughton
    Title:    Vice President and Treasurer           Title:  Vice President and Treasurer
</TABLE>

             Second Amendment to Credit Agreement -- Signature Page

<PAGE>
<TABLE>
<S>                                           <C>
CERNER INVESTMENT CORP.,                      CERNER DHT, INC.,
a Nevada corporation                          a Delaware corporation

By:   /s/Marc G. Naughton                     By:  /s/Marc G. Naughton
    --------------------------------------        ---------------------------------------
    Name:     Marc G. Naughton                    Name:   Marc G. Naughton
    Title:    Vice President and Treasurer        Title:  Vice President and Treasurer

CERNER CAMPUS REDEVELOPMENT                   CERNER RADIOLOGY
CORPORATION,                                  INFORMATION SYSTEMS, INC.,
a Missouri corporation                        a Texas corporation

By:   /s/Marc G. Naughton                     By:  /s/Marc G. Naughton
    --------------------------------------        ---------------------------------------
    Name:     Marc G. Naughton                    Name:   Marc G. Naughton
    Title:    Treasurer                           Title:  Vice President, Chief Financial
                                                          Officer and Treasurer

ZYNX HEALTH INCORPORATED,
a California corporation

By:   /s/Marc G. Naughton
    --------------------------------------
    Name:    Marc G. Naughton
    Title:   Treasurer
</TABLE>

             Second Amendment to Credit Agreement -- Signature Page<PAGE>
                                                                    EXHIBIT 10.9

                     SCHWEITZER-MAUDUIT INTERNATIONAL, INC.
                              RESTRICTED STOCK PLAN
                        EFFECTIVE AS OF DECEMBER 2, 1999
                   AMENDED AND RESTATED AS OF JANUARY 17, 2003

1.       PURPOSE

         This Restricted Stock Plan ("Plan") of Schweitzer-Mauduit
International, Inc. (the "Corporation") is intended to (i) promote the long-term
financial success of the Corporation by attracting to and retaining for the
Corporation and its Affiliates outstanding executive personnel and (ii) to
motivate such personnel by means of Restricted Stock grants to contribute to the
Corporation's financial success.

2.       EFFECTIVE DATE

         The Plan shall be effective as of the date of its adoption by the
Board.

3.       DEFINITIONS

         "Affiliate" means any company in which the Corporation owns, directly
or indirectly, 20% or more of the equity interest (collectively, the
"Affiliates").

         "Board" means the Board of Directors of the Corporation.

         "Change of Control" shall mean the date as of which: (a) a third
person, including a "group" as defined in Section 13(d)(3) of the Securities
Exchange Act of 1934, acquires actual or beneficial ownership of shares of the
Company having 15% or more of the total number of votes that may be cast for the
election of Directors of the Company; or (b) as the result of any cash tender or
exchange offer, merger or other business combination, sale of assets or
contested election, or any combination of the foregoing transactions (a
"Transaction"), the persons who were directors of the Company before the
Transaction shall cease to constitute a majority of the Board of Directors of
the Company or any successor to the Company.

         "Code" means the Internal Revenue Code of 1986, as amended, and the
regulations thereunder, as amended from time to time.

         "Committee" means the Compensation Committee of the Board, provided
that if the requisite number of members of the Compensation Committee are not
Non-Employee Directors, the Plan shall be administered by a committee, all of
whom are Non-Employee Directors, appointed by the Board and consisting of two or
more directors with full authority to act in the matter. The term "Committee"
shall mean the Compensation Committee or the committee appointed by the Board,
as the case may be.

<PAGE>

         "Common Stock" means the common stock, par value $0.10 per share, of
the Corporation and shall include both treasury shares and authorized but
unissued shares and shall also include any security of the Corporation issued in
substitution, in exchange for, or in lieu of the Common Stock.

         "Covered Employee" means a Participant who is, or is determined by the
Committee to be likely to become a "covered employee" within the meaning of
Section 162(m) of the Code (or any successor provision).

         "Date of Grant" means the date specified by the Committee on which a
grant of Restricted Shares shall become effective (which date shall not be
earlier than the date on which the Committee takes action with respect thereto).

         "Non-Employee Director" means a person who is so defined for purposes
of Rule 16b-3 under the Exchange Act, or any successor provision, and who is
also defined as an "outside director" for purposes of section 162(m) of the Code
or any successor section.

         "Exchange Act" means the Securities Exchange Act of 1934, as amended,
and the rules and regulations thereunder, as amended from time to time.

         "Fair Market Value" means the mean between the high and low sales
prices of the Common Stock, on the relevant date as reported on the composite
list used by the Wall Street Journal for reporting stock prices, or if no such
trading in the Common Stock shall have taken place on that day, on the last
preceding day on which there was such trading in the Common Stock.

         "Insider" has the meaning set forth in subsection 14(f) of this Plan.

         "Immediate Family" has the meaning set forth in Rule 16(a)-1(e) of the
Exchange Act and any successor provision to the same effect.

         "Management Objectives" means the measurable performance objective or
objectives established pursuant to this Plan that may, in the Committee's
discretion, apply to grants of Restricted Shares pursuant to this Plan.
Management Objectives may be described in terms of Corporation-wide objectives
or objectives that are related to the performance of the individual Participant,
or of an Affiliate, division, operating unit, department, region, function, or
other organizational unit within the Corporation or an Affiliate in which the
Participant is employed. The Management Objectives may be made relative to the
performance of other corporations or business units of other corporations
provided they are Affiliates of the Corporation. The Management Objectives
applicable at the discretion of the Committee to any award to a Covered Employee
shall be based on specified and pre-established levels of or growth in one or
more of the following criteria:

                                       2
<PAGE>

         1. the price of Common Stock;

         2. market share;

         3. sales;

         4. return on equity, assets, capital or sales;

         5. economic profit;

         6. total shareholder return;

         7. costs;

         8. margins;

         9. earning or earnings per share;

        10. cash flow;

        11. customer satisfaction;

        12. pre-tax profit;

        13  earnings before interest and taxes;

        14. earnings before interest, taxes, depreciation and
            amortization;

        15. debt/capital ratio;

        16. revenues from new product development;

        17. percentage of revenues derived from designated lines of
            business; and

        18. any combination of the foregoing.

If the Committee determines that a change in the business, operations, corporate
structure or capital structure of the Corporation or an Affiliate, or the manner
in which it conducts its business, or other events or circumstances render the
Management Objectives unsuitable, the Committee may in its discretion modify
such Management Objectives or the related pre-established level of achievement,
in whole or in part, as the Committee deems appropriate and equitable, except in
the case of a Covered Employee where such action would result in the loss of an
exemption of the award under Section 162(m) of the Code that would otherwise
have been available. In such case, the Committee shall not make any modification
of the Management Objectives or the pre-established level of achievement.

         "Participant" means a person who is selected by the Committee to
receive benefits under this Plan and who is at the time an officer or other key
employee of the Corporation or any one or more of its Affiliates, or who has
agreed to commence serving in any of such capacities (collectively, the
"Participants").

         "Restricted Shares" means shares of Common Stock granted pursuant to
Section 6 of this Plan as to which neither the Substantial Risk of Forfeiture
nor the prohibition on Transferability referred to in Section 6 has expired.

         "Retirement" and "Retire" means the termination of employment on or
after the date the Participant is entitled to receive immediate payments under a
qualified retirement plan of the Corporation or an Affiliate; provided, however,
if the Participant is not eligible to participate under a qualified retirement
plan of the Corporation or an Affiliate then such Participant shall be deemed to
have retired if his termination of employment is on or after the date such
Participant has attained age 55.

                                       3
<PAGE>

         "Securities Act" means the Securities Act of 1933, as amended.

         "Substantial Risk of Forfeiture" shall have the meaning given to such
term in Section 83(c)(1) of the Code and Treasury Regulation 1.83-3(c) or any
successor section.

         "Substantially Vested" shall have the meaning given to such term in
Treasury Regulation 1.83-3(b) or any successor section.

         "Transfer" or "Transferability" shall have the meaning given to such
terms in Treasury Regulation 1.83-3(d) or any successor section.

         "Total and Permanent Disability" means Totally and Permanently Disabled
as defined in the Schweitzer-Mauduit International, Inc. Retirement Plan,
provided the Committee shall make a determination of Total and Permanent
Disability for any Participant hereunder.

4.       ADMINISTRATION

         The Committee shall administer the Plan and all agreements governing
the grant of Restricted Shares. The Committee, in its absolute discretion, shall
have the power to interpret and construe the Plan and any agreements pursuant to
which any Restricted Shares are granted. Should the Plan become qualified under
Section 162(m) of the Code, the Committee shall thereafter take no action and
shall not make any determination in a manner that would result in the
disallowance of a deduction to the Corporation under Section 162(m) of the Code
or any successor section that was intended to apply at the Date of Grant and
that would otherwise have been available for such grant. Any interpretation or
construction of any provisions of this Plan or the terms of any agreements that
grant Restricted Shares to a Participant by the Committee shall be final and
conclusive upon all persons. No member of the Board or the Committee shall be
liable for any action or determination made in good faith.

         Within 60 days following the close of each calendar year that the Plan
is in operation, the Committee shall make a report to the Board specifying the
employees who received Restricted Shares under the Plan during the prior year,
the number and type of Restricted Shares granted to the individual employees and
the status of all prior Restricted Shares granted to such employees.

         The Committee shall have the power to promulgate rules and other
guidelines in connection with the performance of its obligations, powers and
duties under the Plan, including its duty to administer and construe the Plan
and the agreements pursuant to which Restricted Shares are granted under the
Plan.

         The Committee may authorize persons other than its members to carry out
its policies and directives, subject to the limitations and guidelines set by
the Committee, except that: (a) the authority to grant Restricted Shares, the
selection of employees for

                                       4
<PAGE>

participation and decisions concerning the timing, duration of restrictions on
Transferability, pricing, determination of Management Objectives and amount of
an award or grant of Restricted Shares shall not be delegated by the Committee;
(b) the authority to administer agreements granting Restricted Shares with
respect to persons who are subject to Section 16 of the Exchange Act shall not
be delegated by the Committee; (c) any delegation shall satisfy all applicable
requirements of Rule 16b-3 of the Exchange Act, or any successor provision; and
(d) no such delegation shall result in the disallowance of a deduction to the
Corporation under Section 162(m) of the Code or any successor section that would
otherwise have been available to such grant of Restricted Shares. Any person to
whom such authority is granted shall continue to be eligible to receive
Restricted Shares under the Plan.

5.       ELIGIBILITY

         The Committee shall from time to time select the Plan Participants from
those employees whom the Committee determines either to be in a position to
contribute materially to the success of the Corporation or its Affiliates or to
have in the past so contributed. Only employees (including officers and
directors who are employees) of the Corporation and its Affiliates are eligible
to participate in the Plan.

6.       RESTRICTED SHARES

         The Committee shall determine and designate from time to time those
Participants to whom Restricted Shares are to be granted and the number of such
shares to be granted to each Participant. For each grant, the Committee shall
cause to be delivered to the Participant a Restricted Share Agreement which
shall specify each restriction on Transferability and any Management Objectives
and other risks of forfeiture that shall apply to the shares so granted. The
Restricted Share Agreement may be in such form as the Committee may authorize
from time to time for the grant of Restricted Shares to Participants. Each such
grant shall be subject to all of the requirements contained in the following
provisions:

         (a) The grant shall constitute an immediate transfer of the ownership
         of shares of Common Stock to the Participant in consideration of the
         performance of services, as such term is defined in Treasury Regulation
         1.83-3(f) or any successor section, entitling such Participant to
         voting, dividend and other ownership rights, but subject to Substantial
         Risk of Forfeiture and restrictions on Transferability, which shall be
         noted in an appropriate legend on any stock certificates evidencing
         Restricted Shares, hereinafter referred to.

         (b) The grant may be made in consideration of a payment by such
         Participant that is less than the Fair Market Value per share on the
         Date of Grant.

                                       5
<PAGE>

         (c) Each grant shall provide that the Restricted Shares shall become
         fully vested and all risk of forfeiture shall lapse in the event of a
         Change of Control or upon the Total and Permanent Disability of the
         Participant and, at the discretion of the Committee, upon the
         occurrence of such other circumstances designated at the Date of Grant
         by the Committee; provided, that the period in which the Restricted
         Shares become Substantially Vested complies with the requirements of
         Rule 16 of the Exchange Act.

         (d) The grant shall provide that during the period a Substantial Risk
         of Forfeiture is to continue, Transferability of the Restricted Shares
         shall be prohibited or restricted in the manner and to the extent
         prescribed by the Committee at the Date of Grant (which restrictions
         may include, without limitation, rights of repurchase or first refusal
         in the Company or provisions subjecting the Restricted Shares to a
         continuing Substantial Risk of Forfeiture in the hands of any
         transferee).

         (e) Any grant of Restricted Shares may, but need not, specify
         Management Objectives that, if achieved, will result in termination or
         early termination of the restrictions on Transferability or the risk of
         forfeiture applicable to such shares. Each grant may specify in respect
         of such Management Objectives a minimum acceptable level of achievement
         and may set forth a formula for determining the number of Restricted
         Shares on which restrictions will terminate if performance is at or
         above the minimum level, but falls short of full achievement of the
         specified Management Objectives.

         (f) Any such grant of Restricted Shares may, but need not, require that
         any or all dividends or other distributions paid thereon during the
         period of such restrictions be automatically deferred and reinvested in
         additional Restricted Shares, which may be subject to the same
         restrictions as the underlying award.

         (g) Each grant of Restricted Shares shall be evidenced by an agreement
         executed on behalf of the Corporation by an officer and delivered to
         and accepted by the Participant and shall contain such terms and
         provisions, consistent with this Plan, as the Committee may approve.

         (h) All certificates representing Restricted Shares shall bear a legend
         noting Transferability of the shares is subject to the terms of this
         Plan and the Restricted Stock Agreement. Upon satisfaction of all
         restrictions on Transferability and the lapse of any risk of forfeiture
         of the Restricted Shares, the Participant shall surrender the
         Restricted Share certificate to the Company for cancellation and the
         Company shall issue a new stock certificate, without a restrictive
         legend, for the same number of shares of Common Stock represented by
         the surrendered Restricted Shares certificate.

                                       6
<PAGE>

7.       SHARES SUBJECT TO THE PLAN

         (a) Subject to adjustment as provided in Section 9 hereof, the number
of shares of Common Stock that: (i) may be issued or transferred as Restricted
Shares and released from Substantial Risk of Forfeiture or (ii) in payment of
dividend equivalents paid with respect to Restricted Shares granted under the
Plan shall not exceed in the aggregate the shares of treasury stock held by the
Corporation on the Date of Grant, less the number of shares of treasury stock
subject to any outstanding awards of Restricted Shares which have not
Substantially Vested.

         (b) The use of any shares of Common Stock other than treasury shares to
award grants of Restricted Shares under this Plan shall require the prior
consent of the Board and the approval of the Corporation's shareholders as well
as compliance with the requirements of state and federal securities laws and the
rules of any exchange on which the Corporation's Common Stock is registered.

8.       INDIVIDUAL AND SHARE LIMITS

         (a) No Participant shall be granted Restricted Shares, in the
aggregate, for more than fifty percent (50%) of the shares of Common Stock
authorized to be issued as Restricted Shares under this Plan.

         (b) The number of shares of Common Stock issued as Restricted Shares to
all Participants during the term of this Plan shall not, in the aggregate,
exceed one million (1,000,000) shares of Common Stock.

         (c) If Restricted Shares which had been granted to a Participant are
canceled, as such term is applied in Section 162(m) of the Code, the shares of
Common Stock which had been subject to such canceled Restricted Shares shall
continue to be counted against the maximum number of shares of Common Stock that
can be issued under this Plan and the maximum number of Restricted Shares that
may be granted to such Participant pursuant to Section 8 (a) herein. In the
event that the number of Restricted Shares that may be granted is adjusted as
provided in Section 9 hereof, the above limits shall automatically be adjusted
in the same ratio.

9.       CHANGES IN CAPITALIZATION

         In the event there are any changes in the Common Stock or the
capitalization of the Corporation through a corporate transaction, such as any
merger, any acquisition through the issuance of capital stock of the
Corporation, any consolidation, any separation of the Corporation (including a
spin-off or other distribution of stock by the Corporation), any reorganization
of the Corporation (whether or not such reorganization comes within the
definition of such term in Section 368 of the Code), or any partial or complete
liquidation by the Corporation, recapitalization, stock dividend, stock split or
other change in the

                                       7
<PAGE>

corporate capital structure, appropriate adjustments and changes in the number
of Restricted Shares previously granted to each Participant shall be made by the
Committee, to the extent necessary, to preserve the benefit to the Participants
contemplated by the Plan and any such previous grant of Restricted Shares and a
comparable adjustment shall be made to the limitations contained in Sections
8(a) and (b) of the Plan; provided, however, that no such adjustment or change
may be made to the extent that such adjustment or change will result in the
disallowance of a deduction to the Corporation under Section 162(m) of the Code,
or any successor section, that would otherwise have been available for a
previous grant of Restricted Shares.

10.      EFFECT ON OTHER PLANS

         All benefits under the Plan shall constitute special compensation and
shall not affect the level of benefits provided to or received by any
Participant (or the Participant's estate or beneficiaries) as part of any
employee benefit plan of the Corporation or an Affiliate. The Plan shall not be
construed to affect in any way a Participant's rights and obligations under any
other plan maintained by the Corporation or an Affiliate on behalf of others
including such Participants.

11.      TERM OF THE PLAN

         The Plan shall remain in effect until the tenth anniversary of the date
of its adoption by the Board, unless the Plan is terminated prior thereto by the
Committee. No Restricted Shares may be granted after the termination date of the
Plan, but Restricted Shares theretofore granted shall continue in force beyond
that date pursuant to their terms.

12.      NONRESIDENT ALIENS

         In order to facilitate the making of any grant under this Plan, the
Committee may provide for such special terms for awards to Participants who are
foreign nationals, or who are employed by the Corporation or any Affiliate
outside of the United States of America, as the Committee may consider necessary
or appropriate to accommodate differences in local law, tax policy or custom.
Moreover, the Committee may approve such supplements to or amendments,
restatements or alternative versions of this Plan as it may consider necessary
or appropriate for such purposes, without thereby affecting the terms of this
Plan as in effect for any other purposes, and the Secretary or other appropriate
officer of the Corporation may certify any such document as having been approved
and adopted in the same manner as this Plan. No such special terms, supplements,
amendments or restatements, however, shall include any provisions that are
inconsistent with the terms of this Plan then in effect unless this Plan could
be amended to eliminate such inconsistency without approval by the stockholders
of the Corporation; provided further, that no action may be taken under this
Section 12 if such action would (1) materially increase any benefits accruing to
any Participant under the Plan, (2) materially increase the number of securities
which would be issued under the Plan, (3) modify the requirements for
eligibility to participate in the Plan, (4) result in a failure to comply with
applicable provisions of the Securities Act, the

                                       8
<PAGE>

Exchange Act or the Code or (5) result in the disallowance of a deduction that
would otherwise have been available to the Corporation under Section 162(m) of
the Code, or any successor section.

13.      TRANSFERABILITY

         (a) Except as otherwise determined by the Committee, no Restricted
Shares that have not yet Substantially Vested in the Participant and no right to
receive dividends thereon shall be transferable by a Participant other than by
will or the laws of descent and distribution.

         (b) The Committee, in its discretion, may specify at the Date of Grant
that part or all of the shares of Common Stock that are not subject to a
Substantial Risk of Forfeiture and restrictions on Transferability referred to
in Section 6 of this Plan, shall be subject to further restrictions on transfer.

         (c) Notwithstanding the provisions of Section 13(a), but subject to the
prior approval of the Committee, Restricted Shares shall be transferable by a
Participant, without payment of consideration therefore by the transferee, to
any one or more members of the Participant's Immediate Family (or to one or more
trusts established solely for the benefit of one or more members of the
Participant's Immediate Family or to one or more partnerships in which the only
partners are members of the Participant's Immediate Family); provided, however,
that (i) no such transfer shall be effective unless reasonable prior notice
thereof is delivered to the Corporation and such transfer is thereafter effected
in accordance with any terms and conditions that shall have been made applicable
thereto by the Corporation or the Committee and (ii) any such transferee shall
be subject to the same terms and conditions thereunder as the Participant.

14.      GENERAL PROVISIONS

         (a) No Right of Continued Employment. Neither the establishment of the
Plan nor the payment of any benefits hereunder nor any action of the
Corporation, its Affiliates, the Board of Directors of the Corporation or its
Affiliates, or the Committee shall be held or construed to confer upon any
person any legal right to be continued in the employ of the Corporation or its
Affiliates, and the Corporation and its Affiliates expressly reserve the right
to discharge any Participant without liability to the Corporation, its
Affiliates, the Board of Directors of the Corporation or its Affiliates, or the
Committee, except as to any rights which may be expressly conferred upon a
Participant under the Plan.

         (b) Binding Effect. Any decision made or action taken by the
Corporation, the Board or by the Committee arising out of or in connection with
the construction, administration, interpretation and effect of the Plan shall be
conclusive and binding upon all persons.

                                       9
<PAGE>

         (c) Inalienability of Benefits and Interest. Except as provided in
subsections 6(d) and 13(c), no benefit payable or interest in the Plan shall be
subject in any manner to anticipation, alienation, sale, transfer, assignment,
pledge, encumbrance or charge, and any such attempted action shall be void and
no such benefit or interest shall be in any manner liable for or subject to
debts, contracts, liabilities, engagements, or torts of any Participant or
beneficiary.

         (d) Georgia Law to Govern. All questions pertaining to the
construction, interpretation, regulation, validity and effect of the provisions
of the Plan shall be determined in accordance with the laws of the State of
Georgia.

         (e) Purchase of Common Stock. The Corporation and its Affiliates may
purchase from time to time shares of Common Stock in such amounts as they may
determine for purposes of the Plan. The Corporation and its Affiliates shall
have no obligation to retain, and shall have the unlimited right to sell or
otherwise deal with for their own account, any shares of Common Stock purchased
pursuant to this paragraph.

         (f) Withholding. The Committee shall require the withholding of all
taxes as required by law. A Participant shall pay in cash any amount required to
be withheld under federal, state or local law with respect to the Substantial
Vesting of Restricted Shares or the Participant may elect with respect to
payment of any portion of the federal, state or local income tax withholding
required with respect to the Substantial Vesting of Restricted Shares be
satisfied by tendering to the Corporation Restricted Shares, which, in the
absence of such an election, would have been unrestricted as to such Participant
in connection with such Substantial Vesting. In the event that the Fair Market
Value of such shares tendered to satisfy the withholding tax exceeds the sum of
the consideration due from the Participant and the amount of such tax, the
excess amount shall be returned to the Participant, to the extent possible, in
whole shares of Common Stock, and the remainder in cash. The value of a share of
Common Stock tendered pursuant to this subsection 14(f) shall be the Fair Market
Value of the Common Stock, adjusted to reflect any non-lapse conditions, on the
date on which such shares are tendered to the Corporation. An election pursuant
to this subsection 14(f) shall be made in writing and signed by the Participant.
An election pursuant to this subsection 14(f) is irrevocable. A Participant who
Substantially Vests in Restricted Shares and who is required to report to the
Securities and Exchange Commission under Section 16(a) of the Exchange Act (an
"Insider") may satisfy the income tax withholding due in respect of such
substantial vesting event pursuant to this subsection 14(f) by tendering shares
only if the Insider also satisfies an exemption under Section 16(a) of the
Exchange Act (or the rules or regulations promulgated thereunder) for such
withholding.

         (g) Code Section 83(b) Election. A Participant may elect to include in
his gross income for the taxable year in which Restricted Shares are granted the
excess of the Fair Market Value of the Restricted Shares on the Date of Grant
over the amount paid by the Participant for such shares by giving the
Corporation written notice of such election within thirty (30) days of the Date
of Grant in a manner that meets all Code requirements.

                                       10
<PAGE>

         (h) Amendments. The Committee may at any time amend, suspend, or
discontinue the Plan or alter or amend any or all Restricted Shares and any
agreements pursuant to which Restricted Shares are granted under the Plan to the
extent (1) permitted by law, (2) permitted by the rules of any stock exchange on
which the Common Stock or any other security of the Corporation is listed, (3)
permitted under applicable provisions of the Securities Act and the Exchange Act
(including Rule 16b-3); and (4) that such action would not result in the
disallowance of a deduction that would have otherwise have been available to the
Corporation under Section 162(m) of the Code or any successor section (including
the rules and regulations promulgated thereunder) on such grants; provided,
however, that if any of the foregoing requires the approval by stockholders of
the Corporation of any such amendment, suspension or discontinuance, then the
Committee may take such action subject to the approval of such stockholders. No
such amendment, suspension, or termination of the Plan shall, without the
consent of the Participant, adversely alter or change any of the Restricted
Shares or the terms of any agreement pursuant to which Restricted Shares were
previously granted to the Participant under the Plan.

                                       11

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