Document:

<PAGE>

                                                                   Exhibit 10.13

                     JOHN HANCOCK FINANCIAL SERVICES, INC.

                          STOCK OWNERSHIP LOAN PROGRAM
                              (FEBRUARY 14, 2000)

PROGRAM:      John Hancock Financial Services, Inc. Stock Ownership Loan Program

JHFS:         John Hancock Financial Services, Inc.

BORROWER:     [Name]

COMMON STOCK: Common stock of JHFS

Eligibility:  To be eligible for the Program, the Borrower must be a member of
              the Policy Committee (or any successor thereto) of JHFS or John
              Hancock Life Insurance Company (JHLICO) at the time of the loan.

PURPOSE:      To facilitate the acquisition of Common Stock by the Borrower.

MAXIMUM
AMOUNT OF
LOAN:         An amount equal to (a) two times the Policy Committee member's
              base salary as in effect on the date hereof or as may have been
              voted on or prior to the date hereof by the JHFS or JHLICO Board
              of Directors to become effective at a future date (or, with
              respect to future Policy Committee members, on the date such
              individual becomes a Policy Committee member) less (b) the
              aggregate sum of the original principal amount of all loans at any
              time borrowed by the such Policy Committee member under this
              Program.

              In the case of the Borrower, the Maximum Amount of Loan equals (a)
              $_______ less (b) the aggregate sum of the original principal
              amount of all loans at any time borrowed by the such Policy
              Committee member under this Program.

PRINCIPAL
REPAYMENT:    The outstanding principal amount of the loan must be repaid in
              full at the earlier of (i) 180 days after the termination of the
              employment or death of the Borrower or (ii) February 25, 2005.

INTEREST
RATE:         One month London Interbank Offer Rate plus 1.25%, reset on each
              Reset Date.

RESET DATE:   The Interest Rate will be set on the first business day of each
              month; provided, that for loans commencing prior to April 1, 2000,
              the initial Interest Rate will be set on February 25 and be
              effective through March 31, 2000. The Administrator shall provide
              notice of the then applicable Interest Rates on a quarterly basis,
              but the failure to give such notice shall not have any effect on
              the Interest Rates in effect for such period.

INTEREST
REPAYMENT:    Accrued but unpaid interest from and including the date of the
              loan, in the case of the first payment, or the day immediately
              succeeding the most recent Interest Calculation Date, in the case
              of all other payments, through and including the next Interest
              Calculation Date shall be payable in arrears on each Payment Date.
<PAGE>

INTEREST
CALCULATION
DATE:          March 31, June 30, September 30 and December 31 of each year.

PAYMENT DATE:  The last day of January, April, July, and October of each year.

LOANS:         All of the loans of the Borrower under this Program shall be
               evidenced by a single Note of such Borrower payable to the order
               of JHFS, provided that at the option of JHFS, JHFS may request a
               separate Note for each loan. Upon a request from the Borrower for
               a loan, JHFS shall record the date and amount of each loan made
               by it to such Borrower and the date and amount of each repayment
               of principal made by such Borrower with respect thereto. JHFS may
               endorse on a schedule forming a part of the Note appropriate
               notations to evidence the foregoing information with respect to
               each loan to such Borrower; provided, that the failure of JHFS to
               make any such recordation or endorsement shall not affect the
               obligations of the Borrower hereunder or under the Note. JHFS is
               hereby irrevocably authorized by the Borrower to so endorse the
               Note of such Borrower and to attach to and make a part of the
               Note of such Borrower a continuation of any such schedule as and
               when required.

PREPAYMENT:    Amounts outstanding under the Note may be prepaid in whole or in
               part at any time without prepayment penalty or premium. All
               prepayments shall first be applied against any principal
               outstanding, and then against accrued but unpaid interest. Any
               repayment of principal will serve to reduce the Maximum Amount of
               Loan available after such repayment.

SECURITY:      None.

DEFAULT:       Default will occur if payment is not received within 30 days
               after receipt of notice from the Administrator of failure to make
               a required payment on a Payment Date.

OVERDUE
INTEREST
RATE:          Two percent above the applicable Interest Rate from 30 days after
               the Payment Date but in no event in excess of the maximum rate
               permitted by applicable law.

CHANGE-OF-
CONTROL:       Any loans made pursuant to this Program shall survive any change-
               of-control of JHFS.

ENFORCEMENT
COSTS:         The Borrower shall be responsible for all costs of collection and
               enforcement, including without limitation, reasonable attorneys'
               fees incurred by JHFS in collecting any sums due under this
               Program or the Note or in otherwise enforcing any rights or
               remedies that are or may be available to JHFS.

ADMINISTRATOR: JHFS Treasurer

REPORTS:       The Administrator shall provide a periodic report (no less
               frequently than quarterly) on the status of this Program to the
               Compensation Committee of the Board of Directors of JHFS.

GOVERNING LAW: Massachusetts
<PAGE>

The undersigned hereby acknowledges receipt of a copy of this document and
agrees to the terms and conditions hereof.

                                             Borrower:

Date:  _________ , 2000                      _________________________________
                                             [Name]

                                             Address:
                                             __________________________
                                             __________________________
                                             __________________________

                                             Social Security No.:_____________
<PAGE>

                                     NOTE
                                     ----

                                                     _________ ,200_
                                                     Boston, Massachusetts
                                                     JHFS No. _

     FOR VALUE RECEIVED, the undersigned, _____________ (the "BORROWER"), hereby
promises to pay to the order of John Hancock Financial Services, Inc. ("JHFS"),
John Hancock Place, 200 Clarendon Street, Boston, MA 02117, the unpaid principal
amount of each loan made by JHFS to the Borrower pursuant to the JHFS Stock
Ownership Loan Program dated February 14, 2000 (the "PROGRAM") on the Maturity
Date; and to pay interest (computed on the basis of actual days elapsed and a
360 day year) (a) on the unpaid balance of such principal amount from time to
time outstanding at the LIBOR Rate in effect from time to time from the date
hereof, payable quarterly in arrears, on the last day of January, April, July
and October in each year, commencing ____________ , 200_ until the principal
hereof shall have become due and payable, and (b) to the extent permitted by law
on any payment of principal or interest which has been overdue for thirty (30)
days, payable as aforesaid, at a rate per annum from time to time equal to 2%
above the LIBOR Rate in effect (but in no event in excess of the maximum rate
permitted by law).

    In no event shall the outstanding principal amount of this Note exceed the
Maximum Amount of Loan.

  The following capitalized terms shall have the meanings set forth below:

  "INTEREST PERIOD" means, in the first instance, the period commencing on
the date hereof and ending on __________ , 200_, and in each subsequent and
successive Interest Period, the period commencing on the first day of a month
and ending on the last day of such month, in each case including the first and
last day of such Interest Period.

  "LIBOR Rate" means, with respect to each Interest Period, the rate of interest
per annum equal to the sum of (i) the rate quoted on the Bloomberg Money Market
Index, British Bankers Association Official Libor Fixings page, or its successor
or other recognized financial reporting service reasonably selected by JHFS, on
the first business day of the relevant Interest Period, by commercial banks for
the offering to leading banks in the London interbank market for deposits in
United States dollars having a term of one month plus (ii) 1.25%.  Each
determination of the LIBOR Rate as determined by JHFS shall be conclusive and
binding absent manifest error.

  "MATURITY DATE" means the earlier of (i) February 25, 2005 or (ii) 180 days
after the termination of the employment or the death of the Borrower.

  "MAXIMUM AMOUNT OF LOAN" means an amount equal to (a) $_______ less (b) the
aggregate sum of the original principal amounts of all loans at any time
borrowed by the Borrower pursuant to this Note and the Program.

<PAGE>

     JHFS shall record the date and amount of each loan made by it to the
Borrower under the Program and the date and amount of each payment of principal
made by such Borrower with respect thereto.  JHFS may endorse on a schedule
forming a part of this Note appropriate notations to evidence the foregoing
information with respect to each loan to such Borrower; provided, that the
failure of JHFS to make any such recordation or endorsement shall not affect the
obligations of the Borrower under this Note or under the Program.

  Payment of principal and interest shall be made in lawful money of the United
States of America at the offices of JHFS at John Hancock Place, 200 Clarendon
Street, Boston, Massachusetts 02117, Attention: Treasurer, or to such other
address as may be designated by JHFS from time to time in writing.

  Whenever any payment to be made hereunder shall be stated to be on a Saturday,
Sunday or any other day on which commercial banks in the Commonwealth of
Massachusetts are authorized to be closed, such payment may be made on the next
succeeding business day.

     Upon the occurrence of the following Events of Default:  (a) the Borrower
fails to make any payment of principal or interest when due and such failure
continues for a period of thirty days after receipt of notice of non-payment
from JHFS; or (b) the unpaid principal amount of this Note shall exceed the
Maximum Amount of Loan; or (c) the Borrower shall commence a voluntary case
under any applicable bankruptcy, insolvency or other similar law, or shall
consent to the entry of an order for relief in an involuntary case under any
such law, or shall consent to the appointment of, or taking possession by, a
receiver, custodian, liquidator, assignee, trustee or sequestrator (or other
similar official) of the Borrower or any substantial part of the Borrower's
property, or shall make a general assignment for the benefit of creditors, or
shall fail generally to pay the Borrower's debts as they become due, or the
Borrower shall take any action in furtherance of the foregoing, or a court
having jurisdiction in the premises shall enter a decree or order for relief in
respect of the Borrower in an involuntary case under any applicable bankruptcy,
insolvency or other similar law now or hereafter in effect, or appoint a
receiver, custodian, liquidator, assignee, trustee, sequestrator (or other
similar official) of the Borrower or of any substantial part of the Borrower's
property, or order the winding up or liquidation of the Borrower's affairs, and
the continuance of such decree or order unstayed and in effect for a period of
90 consecutive days.  If an Event of Default shall have occurred and be
continuing, the holder of this Note may, by notice in writing to the Borrower at
the notice address set forth below the Borrower's signature hereon, or at such
other address as the Borrower may specify to JHFS in writing, declare the
principal of this Note and all interest accrued thereon to be forthwith due and
payable, whereupon the same shall become and shall be immediately due and
payable.  Forbearance to exercise this option with respect to any failure or
breach of the Borrower shall not constitute a waiver of the right as to
subsequent failure or breach.

  This Note may be prepaid in whole or in part from time to time, at the
Borrower's option, without any prepayment penalty or premium.

  The Borrower agrees to pay the reasonable costs and expenses, including
reasonable attorneys' fees, incurred by JHFS in collecting any sums due under
this Note or the Program or in otherwise enforcing any rights or remedies that
are or may be available to JHFS.
<PAGE>

  The Borrower hereby waives presentment, demand, notice, protest and all other
demands and notices in connection with the delivery, acceptance, performance and
enforcement of this Note, and assents to extensions of time of payment or
forbearance or other indulgence without notice.

  THIS NOTE HAS BEEN EXECUTED AND DELIVERED IN, AND ITS TERMS AND PROVISIONS ARE
TO BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF, THE COMMONWEALTH
OF MASSACHUSETTS.

                                                  BORROWER:

__________________________                        ______________________________
Witness                                           [Name]

                                                  Notice Address:

                                                  ______________________________

                                                  ______________________________

                                                  ______________________________
<PAGE>

                                Note (Continued)

                        LOANS AND PAYMENTS OF PRINCIPAL

______________________________________________________________________________

Date        Amount of Loan        Amount of Principal        Notation made by
                                        Repaid
______________________________________________________________________________<PAGE>

                                                                   EXHIBIT 10.39

                                                                  [As Amended on
                                                              November 16, 1999]

                               CSG SYSTEMS, INC.

                           WEALTH ACCUMULATION PLAN
                           ------------------------

                                   ARTICLE I
                                   ---------

                                    PURPOSE
                                    -------

     The purpose of the CSG Systems, Inc. Wealth Accumulation Plan (the "Plan")
is to enable CSG Systems, Inc. to attract and retain a select group of executive
employees with exceptional ability by offering such executive employees a means
of enhancing their compensation, building their net worth, and supplementing
their retirement funds through the deferral of a portion of their compensation.

                                  ARTICLE II
                                  ----------

                                  DEFINITIONS
                                  -----------

     For purposes of the Plan, the following words and phrases shall have the
meanings indicated, unless the context clearly indicates otherwise:

     2.1  Base Salary.  "Base Salary" means all regular cash compensation for
          -----------
services, other than Incentive Compensation, payable by Systems to a Participant
during a Plan Year (before taking into account any deferral pursuant to the Plan
and without taking into account any other compensation or benefit program of
Systems).

     2.2  Beneficiary.  "Beneficiary" or "Beneficiaries" means the person,
          -----------
persons, entity, or entities designated by a Participant pursuant to Article
VIII, or otherwise provided in Article VIII, to receive any benefits payable
under the Plan in the event of such Participant's death.

     2.3  Board.  "Board" means the Board of Directors of Systems.
          -----

     2.4  Change of Control of Systems.  "Change of Control of Systems" means
          ----------------------------
the occurrence of any of the following events:

     (a)  International is merged or consolidated into another corporation, and
          immediately after such merger or consolidation becomes effective the
          holders of a majority of the outstanding shares of voting capital
          stock of
<PAGE>

          International immediately prior to the effectiveness of such merger or
          consolidation do not own (directly or indirectly) a majority of the
          outstanding shares of voting capital stock of the surviving or
          resulting corporation in such merger or consolidation,

     (b)  International ceases to own (directly or indirectly) a majority of the
          outstanding shares of voting capital stock of Systems (unless such
          event results from the merger of Systems into International, with no
          change in the ownership of the voting capital stock of International,
          or from the dissolution of Systems and the continuation of its
          business by International),

     (c)  Systems is merged or consolidated into a corporation other than
          International, and at any time after such merger or consolidation
          becomes effective International does not own (directly or indirectly)
          a majority of the outstanding shares of voting capital stock of the
          surviving or resulting corporation in such merger or consolidation,

     (d)  Systems dissolves (unless the business of Systems will be continued by
          International) or sells or otherwise disposes of all or substantially
          all of its property and assets (other than to an entity or group of
          entities which is then under common ownership (directly or indirectly)
          with Systems),

     (e)  any person, entity, or group of persons within the meaning of Sections
          13(d) or 14(d) of the Securities Exchange Act of 1934 (the "1934 Act")
          and the rules promulgated thereunder becomes the beneficial owner
          (within the meaning of Rule 13d-3 under the 1934 Act) of thirty
          percent (30%) or more of the outstanding voting capital stock of
          International,

     (f)  International dissolves or sells or otherwise disposes of all or
          substantially all of its property and assets (other than to an entity
          or group of entities which is then under common ownership (directly or
          indirectly) with International), or

     (g)  during any period of two consecutive years or less, individuals who at
          the beginning of such period constituted the Board of Directors of
          International cease, for any reason, to constitute at least a majority
          of the Board of Directors of International, unless the election or
          nomination for election of each new director of International who took
          office during such period was approved by a vote of at least seventy-
          five percent (75%) of the directors of International still in office
          at the time of such election or nomination for election who were
          directors of International at the beginning of such period.

     2.5  Committee.  "Committee" means the Wealth Accumulation Plan Committee
          ---------
appointed by or at the direction of the Board to perform the duties set forth in
Article III.

                                       2
<PAGE>

     2.6  Deemed Investment.  "Deemed Investment" means a bookkeeping device
          -----------------
which (a) corresponds to a Fund that is a permitted investment under the CSG
Incentive Savings Plan (a 401(k) plan of Systems) and (b) is used by Systems to
determine the balance in a Participant's Deferral Account.

     2.7  Deferral Account.  "Deferral Account" means an account established and
          ----------------
maintained for a Participant on the books of Systems pursuant to Section 5.1.
Whenever the context requires, "Deferral Account" shall mean and separately
refer to the Deferral Credits Sub-Account and the Employer Credits Sub-Account
of a Deferral Account.

     2.8  Deferral Agreement.  "Deferral Agreement" means an agreement signed
          ------------------
and filed with the Committee by a Participant pursuant to Article IV.

     2.9  Deferral Benefit.  "Deferral Benefit" means the benefit payable under
          ----------------
the Plan to a Participant or a Participant's Beneficiary, as provided in Article
VII.

     2.10 Deferral Credits.  "Deferral Credits" means the credits to a
          ----------------
Participant's Deferral Account made pursuant to Section 5.2.

     2.11 Deferral Credits Sub-Account.  "Deferral Credits Sub-Account" means a
          ----------------------------
sub-account of a Participant's Deferral Account to which such Participant's
Deferral Credits are credited.

     2.12 Disability.  "Disability" means a physical or mental illness or
          ----------
incapacity of a Participant which has resulted in a determination that such
Participant is entitled to receive benefits (i) under a long-term disability
insurance policy maintained by Systems for such Participant or (ii) if no such
insurance policy is then in existence, under the federal social security
disability insurance program.

     2.13 Eligible Executive.  "Eligible Executive" means an executive employee
          ------------------
of Systems who is a Vice President, Senior Vice President, or more senior
executive employee of Systems or who is a National Sales Director of Systems.

     2.14 Employer Credits.  "Employer Credits" means the credits to a
          ----------------
Participant's Deferral Account made pursuant to Section 5.3.

     2.15 Employer Credits Sub-Account.  "Employer Credits Sub-Account" means a
          ----------------------------
sub-account of a Participant's Deferral Account to which such Participant's
Employer Credits are credited.

     2.16 Fund.  "Fund" means an open-end management investment company or an
          ----
individual series thereof (a mutual fund) whose shares or units are available
for purchase by the public.

                                       3
<PAGE>

     2.17 Incentive Compensation.  "Incentive Compensation" means any cash bonus
          ----------------------
or commission payable by Systems to a Participant for a Plan Year in addition to
such Participant's Base Salary payable during such Plan Year (before taking into
account any deferral pursuant to the Plan and without taking into account any
other compensation or benefit program of Systems).

     2.18 International.  "International" means CSG Systems International, Inc.,
          -------------
a Delaware corporation.

     2.19 Normal Retirement Age.  "Normal Retirement Age" means age 65.
          ---------------------

     2.20 Participant.  "Participant" means an Eligible Executive who has
          ------------
elected to participate in the Plan by entering into a Deferral Agreement for any
Plan Year or portion thereof.

     2.21 Plan Year.  "Plan Year" means the calendar year, except that the first
          ---------
Plan Year began on September 1, 1996, and ended on December 31, 1996.

     2.22 Systems.  "Systems" means CSG Systems, Inc., a Delaware corporation.
          -------

                                  ARTICLE III
                                  -----------

                            ADMINISTRATION OF PLAN
                            ----------------------

     3.1  Administration.  The Plan shall be administered by the Committee or
          --------------
its delegate. The Committee or its delegate shall have the authority to
interpret the Plan, to make, amend, interpret, apply, and enforce all
appropriate rules and regulations for the administration and operation of the
Plan, to prescribe forms for use in connection with the Plan, and to decide any
and all questions which may arise in connection with the Plan.  Any delegate of
the Committee for purposes of administration of the Plan shall not make any
discretionary decision on behalf of the Committee which pertains directly to
such delegate as a Participant.

     3.2  Binding Effect of Decisions.  The decision or action of the Committee
          ---------------------------
or its delegate with respect to any question arising out of or in connection
with the administration, operation, or interpretation of the Plan and the rules
and regulations promulgated under the Plan shall be final, conclusive, and
binding upon all persons having any interest in the Plan, unless a written
appeal from the affected Participant or Beneficiary is received by the Committee
or its delegate within thirty (30) days after the disputed decision or action of
the Committee or its delegate has been made or taken.  Upon timely receipt of
such appeal, the Committee shall reconsider the disputed decision or action; and
the decision of the Committee with respect to such appeal shall be final,
conclusive, and binding on the person lodging such appeal and all persons
claiming by, through, or under such person.

     3.3  Expenses of Administration.  Systems shall pay all expenses of
          --------------------------
administering the Plan, and the Participants shall not bear any of such
expenses.

                                       4
<PAGE>

                                  ARTICLE IV
                                  ----------

                              ELECTIVE DEFERRALS
                              ------------------

     4.1  Election to Participate in Plan.  Except as otherwise provided in
          -------------------------------
Section 4.2, an Eligible Executive may elect to participate in the Plan by
signing and filing with the Committee or its delegate a Deferral Agreement in
the form prescribed by the Committee or its delegate.  To be effective, a
Deferral Agreement must be filed with the Committee or its delegate not later
than December 15 of the calendar year immediately preceding the Plan Year in
which the Eligible Executive will commence participation in the Plan; and, if
timely filed, such Deferral Agreement will become effective as of the first day
of such Plan Year and remain in effect in accordance with Section 4.4.  An
Eligible Executive may enter into a new Deferral Agreement covering a period
subsequent to the period covered by a Deferral Agreement which will expire or
terminate pursuant to Section 4.4.

     4.2  Initial Deferral Agreement.  An employee who becomes an Eligible
          --------------------------
Executive during a Plan Year may sign a Deferral Agreement and file it with the
Committee or its delegate not later than 30 days after such employee becomes an
Eligible Executive for the purpose of deferring a portion of the Eligible
Executive's Base Salary earned during such Plan Year after the filing of such
Deferral Agreement and for the purpose of deferring a portion of the Eligible
Executive's Incentive Compensation for such Plan Year which either is payable at
the discretion of Systems or is earned by the Eligible Executive after the
filing of such Deferral Agreement.

     4.3  Compensation Which May Be Deferred.  A Deferral Agreement signed and
          ----------------------------------
filed with the Committee by an Eligible Executive may provide for the deferral
of not less than five percent (5%) and not more than twenty-five percent (25%)
of the Eligible Executive's Base Salary payable during the Plan Years to which
such Deferral Agreement pertains and not less than five percent (5%) and not
more than one hundred percent (100%) of the Eligible Executive's Incentive
Compensation for the Plan Years to which such Deferral Agreement pertains.
Notwithstanding the provisions of the first sentence of this Section 4.3, in the
case of Eligible Executives other than the Chairman of the Board, the Chief
Executive Officer, the President, an Executive Vice President, and the Chief
Financial Officer of Systems, the maximum aggregate amount of Base Salary and
Incentive Compensation which an Eligible Executive may defer for any Plan Year
is $50,000; and if any Deferral Agreement would result in the deferral of an
aggregate amount greater than $50,000 for any Plan Year, then the actual
deferral for such Plan Year shall be limited to $50,000.  Notwithstanding the
provisions of the first sentence of this Section 4.3, in the case of an Eligible
Executive who is the Chairman of the Board, the Chief Executive Officer, the
President, an Executive Vice President, or the Chief Financial Officer of
Systems, the maximum aggregate amount of Base Salary and Incentive Compensation
which such Eligible Executive may defer for any Plan Year is $700,000; and if
any Deferral Agreement would result in the deferral of an aggregate amount
greater than $700,000 for any Plan Year, then the actual deferral for such Plan
Year shall be limited to $700,000.  Subject to the provisions of Sections 4.1
and 4.2, the Compensation Committee of the Board of Directors of International,
in its absolute discretion, may increase the maximum permitted deferral amount
for any Plan Year for any one or more Eligible Executives.  A deferral
percentage provided for in a Participant's

                                       5
<PAGE>

Deferral Agreement pursuant to this Section 4.3 may be expressed either as a
percentage (in which case the deferred amount will change as the Participant's
Base Salary or Incentive Compensation, as the case may be, changes) or as a
fixed amount falling within the permitted percentage range (in which case the
deferred amount will not change as the Participant's Base Salary or Incentive
Compensation, as the case may be, changes). Except as otherwise provided in the
Plan, a signed Deferral Agreement shall become irrevocable upon its timely
filing with the Committee or its delegate.

     4.4  Period Covered by Deferral Agreement.  Except as otherwise provided in
          ------------------------------------
the Plan and except to the extent that a Deferral Agreement is amended pursuant
to Section 4.5, a Deferral Agreement shall remain in effect for the first Plan
Year (or portion thereof) to which it applies and to the following six Plan
Years.  However, a Deferral Agreement automatically shall terminate
prospectively if a Participant ceases to be an Eligible Executive or upon the
termination of a Participant's employment by Systems for any reason, including
but not limited to death, Disability, or retirement.  If, pursuant to Section
7.3, a Participant makes an election to receive his or her Deferral Benefit
prior to the last day of the period to which a Deferral Agreement pertains, then
such Deferral Agreement shall remain in effect only for the Plan Years ending on
or prior to the date so elected; however, such Participant may enter into a new
Deferral Agreement covering later Plan Years pursuant to Section 4.1.

     4.5  Amendment of Deferral Agreement.  Except as otherwise provided in
          -------------------------------
Section 10.15, a Participant may amend a Deferral Agreement previously filed by
such Participant with the Committee or its delegate solely for the purpose of
changing the amounts or percentages of Base Salary or Incentive Compensation (or
both) to be deferred by such Participant for the remaining Plan Years covered by
the Deferral Agreement being amended.  Any amended Deferral Agreement must be
signed and delivered to the Committee or its delegate at least 15 days prior to
the commencement of the first Plan Year to which such amended Deferral Agreement
applies.  The most recently dated Deferral Agreement signed and delivered to the
Committee or its delegate by a Participant on a timely basis shall govern as to
that Participant, but an amended Deferral Agreement shall have no effect on such
Participant's deferral amounts or percentages for Plan Years prior to the first
Plan Year to which such amended Deferral Agreement applies.

     4.6  Effect on Other Plans.  Systems shall not make a supplemental payment
          ---------------------
to any Participant to offset any reduction in benefits under any other employee
benefit plan of Systems which results from the deferral of Base Salary or
Incentive Compensation pursuant to the Plan. However, Systems shall compute life
insurance and disability benefits for any Participant payable under any employee
benefit plan of Systems which is based on compensation without reduction for the
amount of any Base Salary or Incentive Compensation deferred pursuant to the
Plan.

     4.7  Suspension of Elective Deferral.  The Committee or its delegate, in
          -------------------------------
its sole and absolute discretion, may prospectively suspend the effectiveness of
a Participant's Deferral Agreement upon the written request of such Participant
based upon the occurrence of an unforeseeable emergency.  For purposes of this
Section 4.7, "unforeseeable emergency" means an unanticipated emergency that is
caused by an event beyond the control of the Participant and

                                       6
<PAGE>

that would result in severe financial hardship to the Participant if suspension
of the effectiveness of such Participant's Deferral Agreement were not
permitted.

                                   ARTICLE V
                                   ---------

                         DEFERRAL ACCOUNT AND CREDITS
                         ----------------------------

     5.1  Establishment of Deferral Account.  Systems shall establish and
          ---------------------------------
maintain on its books a separate Deferral Account for each Participant, and each
Deferral Account shall have a Deferral Credits Sub-Account and an Employer
Credits Sub-Account.  A Participant who has entered into more than one Deferral
Agreement shall have a separate Deferral Account for each Deferral Agreement.  A
Participant's Deferral Account and its Sub-Accounts shall be used solely as a
bookkeeping device for purposes of the Plan and shall not constitute or be
treated as a trust fund or reserve of any kind or require the segregation or
investment of any assets of Systems.  Each Deferral Account established for a
Participant shall be administered separately in accordance with the provisions
of this agreement.

     5.2  Deferral Credits.  At the end of each payroll period, Systems shall
          ----------------
credit to the Deferral Credits Sub-Account of each Participant who has entered
into a Deferral Agreement applicable to Base Salary or Incentive Compensation
payable during such payroll period an amount equal to the Base Salary and
Incentive Compensation of such Participant deferred for such payroll period
pursuant to the Plan and such Deferral Agreement.  To the extent that Systems is
required pursuant to any state, federal, or local law to withhold any taxes or
other amounts in respect of such deferred Base Salary or Incentive Compensation,
such taxes or other amounts shall be withheld from the Participant's other
compensation which is not deferred under the Plan or shall be paid to Systems in
cash by the Participant.

     5.3  Employer Credits.  Concurrently with the crediting of deferred Base
          ----------------
Salary or Incentive Compensation amounts pursuant to Section 5.2, Systems also
shall credit to the Employer Credits Sub-Account of each Participant an amount
equal to twenty-five percent (25%) of the deferred Base Salary or Incentive
Compensation of such Participant then being credited to such Participant's
Deferral Credits Sub-Account; provided, that the aggregate amount credited to
any Participant's Employer Credits Sub-Account pursuant to this Section 5.3
shall not exceed $6,250 for any one Plan Year.  In its absolute discretion,
Systems may make a supplemental credit to the Employer Credits Sub-Accounts of
Participants for any Plan Year in addition to the credit required by the first
sentence of this Section 5.3; but the making of any such supplemental credit for
any Plan Year shall not entitle any Participant to a supplemental credit for any
other Plan Year.  Any supplemental credit made by Systems pursuant to the
preceding sentence of this Section 5.3 may be made on a uniform or non-uniform
basis among all Participants or among only some Participants and may be made to
the Employer Credits Sub-Accounts of any one or more Participants to the
exclusion of the Employer Credits Sub-Accounts of any one or more other
Participants.  To the extent that Systems is required pursuant to any state,
federal, or local law to withhold any taxes or other amounts in respect of the
amounts credited pursuant to this Section 5.3, such taxes or other amounts shall
be withheld from that portion of the Participant's

                                       7
<PAGE>

compensation which is not deferred under the Plan or shall be paid to Systems in
cash by the Participant.

     5.4  Deemed Investments.  As a bookkeeping device and solely for the
          ------------------
purpose of determining the balance in a Participant's Deferral Account at any
particular time, the amounts credited to a Participant's Deferral Account from
time to time pursuant to Sections 5.2 and 5.3 shall be allocated on the books of
Systems to the Deemed Investments selected from time to time by the Participant
from among the then permitted Deemed Investments.  A Participant shall make and
may change such selections in accordance with such procedures as the Committee
or its delegate may establish from time to time.  If a Participant fails to
select a Deemed Investment for all or any portion of such Participant's Deferral
Account, then the Committee or its delegate shall make such selection on behalf
of the Participant.  The allocation to the Deemed Investments selected by a
Participant shall be made on the books of Systems by crediting the Deferral
Account of such Participant with that number of units of each such Deemed
Investment which results from dividing (a) the dollar amount of (i) that portion
of the Participant's Deferral Account or (ii) that portion of the amount
currently being credited which has been allotted by the Participant to such
Deemed Investment by (b) the net asset value of the Fund corresponding to such
Deemed Investment as of the close of business on the date of such crediting (or,
if such date is not a business day, on the most recently preceding business
day). The number of units of each Deemed Investment of a Participant shall be
increased or decreased as appropriate from time to time to reflect (a) dividends
or distributions paid by the Fund which corresponds to the particular Deemed
Investment, (b) distributions pursuant to Article VII, (c) changes in the Deemed
Investments selected by such Participant, and (d) forfeitures pursuant to
Section 6.3.  A Participant's selection of a Deemed Investment shall not
obligate Systems to acquire shares or units of the Fund corresponding to such
Deemed Investment; and no Participant shall have any rights with respect to or
any interest in the shares or units of any Fund which Systems, in its absolute
discretion, may elect to acquire.

     5.5  Participant's Account Balance.  The balance in a Participant's
          -----------------------------
Deferral Account as of any date shall be determined by (a) multiplying (i) the
number of units of each Deemed Investment then credited to such Deferral Account
by (ii) the net asset value of the Fund corresponding to such Deemed Investment
as of the close of business on such date (or, if such date is not a business
day, on the most recently preceding business day) and (b) adding the products of
such multiplications.  A Participant's Deferral Account balance shall be
determined, whenever necessary, after the making of all credits to and
deductions from such Deferral Account which are to be made pursuant to the Plan
prior to or as of the date as of which such Deferral Account balance is being
determined, including but not limited to the forfeiture provided for in Section
6.3 if applicable.

     5.6  Statement of Account.  Systems shall provide to each Participant,
          --------------------
within 60 days after the end of each calendar quarter, a statement in such form
as Systems deems appropriate setting forth the balance in such Participant's
Deferral Account (by Deemed Investment and in total) as of the last day of such
calendar quarter.

     5.7  Proportionate Decreases in Deemed Investments.  Unless otherwise
          ---------------------------------------------
provided by the Committee or its delegate, distributions pursuant to Article VII
and deductions pursuant to

                                       8
<PAGE>

Section 6.3 shall proportionately decrease all of the Deemed Investments then
credited to a Participant's Deferral Account.

                                  ARTICLE VI
                                  ----------

                                    VESTING
                                    -------

     6.1  Vesting of Deferral Credits Sub-Account Balance.  At all times a
          -----------------------------------------------
Participant shall be fully vested in his or her Deferral Credits Sub-Account
balance, and no portion of such Deferral Credits Sub-Account balance shall be
subject to forfeiture by such Participant.

     6.2  Vesting of Employer Credits Sub-Account Balance.  A Participant's
          -----------------------------------------------
Employer Credits Sub-Account balance shall fully vest in such Participant and
become entirely nonforfeitable by such Participant on the first to occur of (i)
three years after the effective date of such Participant's initial participation
in the Plan, (ii) the death of such Participant, (iii) the termination of such
Participant's employment with Systems after such Participant has reached Normal
Retirement Age, (iv) the termination of such Participant's employment with
Systems solely by reason of such Participant's Disability, (v) the completion by
such Participant of five years of continuous employment with Systems, (vi) the
acceleration of such vesting by action of the Board pursuant to Section 6.4, or
(vii) a Change of Control of Systems.

     6.3  Forfeiture of Non-Vested Employer Credits Sub-Account Balance.  If the
          -------------------------------------------------------------
Employer Credits Sub-Account balance of a Participant has not become fully
vested and entirely nonforfeitable pursuant to Section 6.2 at the time or as a
result of the termination of such Participant's employment with Systems, then
upon the termination of such Participant's employment with Systems the entire
balance in such Employer Credits Sub-Account automatically shall be forfeited;
and neither such Participant nor his or her Beneficiary shall have any further
rights with respect to such Employer Credits Sub-Account balance or any amount
that previously had been credited to such Employer Credits Sub-Account.

     6.4  Accelerated Vesting.  The Board reserves the right in its sole and
          -------------------
absolute discretion at any time to accelerate the time of vesting of all or any
portion of a Participant's Employer Credits Sub-Account balance that has not yet
vested.

                                  ARTICLE VII
                                  -----------

                         PAY-OUT OF DEFERRAL BENEFITS
                         ----------------------------

     7.1  Termination of Employment Other Than by Death.  Upon the termination
          ---------------------------------------------
of a Participant's employment with Systems for any reason other than such
Participant's death, such Participant shall be entitled to receive a Deferral
Benefit equal to 100% of the balance in such Participant's Deferral Account
(determined in accordance with Section 5.5) as of the last day of the calendar
month during which such termination of employment occurs.  A Deferral Benefit
under this Section 7.1 shall be payable to such Participant in accordance with
Section 7.5.

                                       9
<PAGE>

     7.2  Death.  Upon the death of a Participant while he or she is employed by
          -----
Systems, such Participant's Beneficiary or Beneficiaries shall be entitled to
receive a Deferral Benefit equal to 100% of the balance in such Participant's
Deferral Account (determined in accordance with Section 5.5) as of the last day
of the calendar month during which such death occurs.  A Deferral Benefit under
this Section 7.2 shall be payable to such Beneficiary or Beneficiaries in
accordance with Section 7.5.  The Deferral Benefit provided for in this Section
7.2 shall be in lieu of all other benefits under the Plan in the event of a
Participant's death.  Any Deferral Benefit which becomes payable under this
Section 7.2 to a person who is a minor for purposes of the Nebraska Uniform
Transfers to Minors Act may instead be paid by Systems to a custodian for such
person under such Act.

     7.3  Pre-Termination Distribution.  At the time that he or she signs a
          ----------------------------
Deferral Agreement pursuant to Section 4.1 or 4.2, a Participant may elect to
receive his or her Deferral Benefit at the end of the second, third, fourth,
fifth, sixth, or seventh Plan Year to which such Deferral Agreement pertains
rather than upon the termination of his or her employment with Systems;
provided, however, that if the employment of such Participant with Systems
terminates prior to the pre-termination distribution date elected by such
Participant pursuant to this Section 7.3, then the provisions of Section 7.1 or
7.2, as the case may be, shall supersede such election and shall govern the
distribution of such Participant's Deferral Benefit.  If a Participant makes an
election pursuant to this Section 7.3, then such Participant shall be entitled
to receive a Deferral Benefit equal to 100% of the vested balance in such
Participant's Deferral Account (determined in accordance with Section 5.5) as of
the last day of the Plan Year elected by such Participant pursuant to this
Section 7.3.  If a Participant makes an election pursuant to this Section 7.3,
then, not later than one year prior to the last day of the Plan Year originally
elected by such Participant, he or she may make one further election to defer
the payment of his or her Deferral Benefit either for an additional number of
Plan Years from one to seven or until the termination of his or her employment
with Systems.  A Deferral Benefit under this Section 7.3 shall be payable to the
Participant in accordance with Section 7.5.  Any portion of a Participant's
Deferral Account which is not paid pursuant to an election made under this
Section 7.3 because it is not fully vested as of the elected payment date shall
remain as a credit to such Deferral Account and shall be paid to such
Participant at the time it becomes fully vested (either as a lump-sum or as part
of the monthly payments, depending upon the method of Deferral Benefit payment
elected by such Participant).

     7.4  Accelerated Distributions.  The Committee or its delegate, in its sole
          -------------------------
and absolute discretion, may accelerate the time of payment to a Participant of
all or a portion of the then vested balance of such Participant's Deferral
Account upon the written request of a Participant based upon the occurrence of
an unforeseeable emergency; however, the amount of such accelerated payment
shall not exceed the amount necessary to meet the particular emergency. For
purposes of this Section 7.4, "unforeseeable emergency" shall mean an
unanticipated emergency that is caused by an event beyond the control of the
Participant and that would result in severe financial hardship to the
Participant if such accelerated payment were not permitted.

     7.5  Method of Benefit Payment.  At such time as a Deferral Benefit becomes
          -------------------------
payable pursuant to Section 7.1, 7.2, or 7.3, Systems shall pay the Deferral
Benefit to the Participant

                                       10
<PAGE>

involved (or to such Participant's Beneficiary in the case of such Participant's
death) in whichever of the following methods was selected by such Participant in
the applicable Deferral Agreement:

     (a)  A lump-sum payment; or

     (b)  Monthly payments over a period of from 2 to 180 months, as specified
          by such Participant in the applicable Deferral Agreement.

If a Participant did not select a method of payment in the applicable Deferral
Agreement, then the method of payment of such Participant's applicable Deferral
Benefit shall be determined by the Committee or its delegate from the
alternative methods set forth above in this Section 7.5. Payments pursuant to
this Article VII shall begin as soon as practicable after the amount thereof has
been determined.  The Committee or its delegate shall determine the methodology
to be used to compute the amounts of monthly payments under this Section 7.5.

                                 ARTICLE VIII
                                 ------------

                            BENEFICIARY DESIGNATION
                            -----------------------

     8.1  Beneficiary Designation.  Each Participant shall have the right at any
          -----------------------
time during his or her lifetime to designate in writing on a form prescribed by
the Committee or its delegate any person, persons, entity, or entities as the
Beneficiary or Beneficiaries (primary or contingent) to whom benefits under the
Plan shall be paid in the event of the Participant's death prior to full payment
of the benefits due the Participant under the Plan.  Such form shall be filed
with the Committee or its delegate during the Participant's lifetime and shall
become effective when so filed.

     8.2  Change of Beneficiary.  Any Beneficiary designation made by a
          ---------------------
Participant may be changed by such Participant at any time during such
Participant's lifetime by the filing of such change in writing on a form
prescribed by the Committee or its delegate.  Effective upon its filing with the
Committee or its delegate prior to a Participant's death, the most recently
filed Beneficiary designation will cancel all Beneficiary designations
previously filed by such Participant.

     8.3  No Beneficiary Designation.  If a Participant fails to designate a
          --------------------------
Beneficiary pursuant to this Article VIII, or if all designated Beneficiaries
predecease the Participant, then the Participant's designated Beneficiary shall
be deemed to be the person or persons surviving the Participant in the first of
the following classes in which there is a survivor, in equal shares by
representation:

     (a)  The Participant's surviving spouse;

     (b)  The Participant's descendants; or

                                       11
<PAGE>

     (c)  The personal representative of the Participant's estate.

                                  ARTICLE IX
                                  ----------

                       AMENDMENT AND TERMINATION OF PLAN
                       ---------------------------------

     9.1  Amendment.  The Board may amend the Plan at any time in whole or in
          ---------
part without terminating the Plan; however, no amendment of the Plan shall
decrease any amount already credited to a Deferral Account then in existence
without the written consent of the affected Participant.

     9.2  Termination.  The Board may terminate the Plan at any time.  Upon such
          -----------
termination, Systems shall make the Deferral Account credits required under
Article V as of the effective date of the Plan termination, and all Participants
thereupon shall be fully vested in their respective Deferral Accounts and
promptly shall be paid the then balance in their respective Deferral Accounts in
a lump sum.

                                   ARTICLE X
                                   ---------

                                 MISCELLANEOUS
                                 -------------

     10.1 Creditor Status.  Participants and their Beneficiaries shall have no
          ---------------
legal or equitable rights, interests, or claims in or to any particular property
or assets of Systems, nor shall they be beneficiaries of, or have any rights,
claims, or interests in or to, any life insurance policies or annuity contracts
(or the proceeds therefrom) now owned or which hereafter may be acquired by
Systems ("Policies").  The assets of Systems and such Policies (if any) shall
be, and remain, the general and unrestricted assets of Systems.  Participants
and their Beneficiaries are and have the status of general unsecured creditors
of Systems, and the Plan constitutes a mere unfunded and unsecured promise of
Systems to make benefit payments in the future.  Any trust created by Systems
and any assets held in such trust to assist Systems in meeting its obligations
under the Plan shall conform to the terms of the model trust described in
Revenue Procedure 92-64 of the Internal Revenue Service.

     10.2 Nonassignability.  Neither a Participant nor a Beneficiary nor any
          ----------------
other person shall have any right to commute, sell, assign, transfer, pledge,
anticipate, mortgage, or otherwise encumber, alienate, hypothecate, or convey in
advance of actual receipt any amounts payable under the Plan, or any part
thereof, all of which are, and all rights to which are, nonassignable and
nontransferable.  No part of any amounts payable under the Plan shall, prior to
actual payment, be subject to attachment, garnishment, or seizure for the
payment of any debts, judgments, alimony, child support, or separate maintenance
owed by a Participant or any other person nor be transferable by operation of
law in the event of a Participant's or any other person's bankruptcy or
insolvency.

                                       12
<PAGE>

     10.3  Not a Contract of Employment.  The terms and conditions of the Plan
           ----------------------------
and of any Deferral Agreement entered into pursuant to the Plan shall not be
deemed to constitute a contract of employment between Systems and a Participant,
and a Participant (or a Participant's Beneficiary) shall have no rights against
Systems under the Plan except as may be specifically provided in the Plan.
Moreover, nothing in the Plan shall be deemed to give a Participant any right
(i) to be retained in the employ or other service of Systems for any specific
length of time, (ii) to interfere with the right of Systems to discipline or
discharge the Participant at any time, (iii) to hold any particular position or
responsibility with Systems, or (iv) to receive any particular compensation from
Systems.

     10.4  Withholding; Payroll Taxes. To the extent required by applicable laws
           --------------------------
in effect at the time payments are made under the Plan, Systems shall withhold
from such payments any taxes or other obligations required to be withheld from
such payments by federal, state, or local laws.

     10.5  Participant Cooperation.  Each Participant shall cooperate with
           -----------------------
Systems by furnishing any and all information requested by Systems to facilitate
the payment of benefits under the Plan, by taking such physical examinations as
Systems may deem necessary for insurance or other purposes, and by taking such
other actions as reasonably may be requested by Systems.

     10.6  Incompetency.  If the Committee or its delegate reasonably determines
           ------------
that any Participant or Beneficiary to whom a benefit is payable under the Plan
is unable to manage his or her own affairs because of illness or accident, then
any payment due such Participant or Beneficiary (unless prior claim therefor
shall have been made by a duly authorized guardian or other legal
representative) may be paid, upon appropriate indemnification of Systems, to the
person deemed by the Committee or its delegate to have current responsibility
for the handling of the affairs of such Participant or Beneficiary.  Any such
payment shall be a payment for the account of the Participant or Beneficiary and
shall be a complete discharge of any liability of Systems therefor.

     10.7  Governing Law.  The provisions of the Plan shall be governed by and
           -------------
construed according to the laws of the State of Nebraska.

     10.8  Number and Gender.  Unless the context otherwise requires, for all
           -----------------
purposes of the Plan, words in the singular number include their plural, words
in the plural include their singular, and words of one gender include the other
genders.

     10.9  Section Titles.  The titles of the various sections of the Plan are
           --------------
for convenient reference only and shall not be considered in the interpretation
of the Plan.

     10.10 Severability.  If any provision of the Plan is determined by any
           ------------
court to be invalid, then such invalidity shall not affect any other provision
of the Plan to which effect reasonably can be given without such invalid
provision; and for such purpose the provisions of the Plan shall be severable
from one another.

                                       13
<PAGE>

     10.11  Successors.  The provisions of the Plan shall be binding upon and
            ----------
inure to the benefit of Systems, each Participant, and each Beneficiary and
their respective heirs, personal representatives, successors, and permitted
assigns (if any).

     10.12  Unfunded Plan.  The Plan is and shall be unfunded within the meaning
            -------------
of the Employee Retirement Income Security Act of 1974 ("ERISA") for purposes of
Title I of ERISA and for income tax purposes.

     10.13  Credit for Prior Service.  In the sole discretion of the Committee,
            ------------------------
a Participant may receive credit for purposes of Section 6.2 for his or her
prior employment with an employer whose business is acquired by Systems.

     10.14  Effective Date.  The Plan became effective on July 17, 1996, upon
            --------------
its approval by the Board.

     10.15  Transition Provisions.  The amendments of the Plan approved by the
            ---------------------
Board on November 16, 1999, will apply to Plan Years beginning after December
31, 1999, and to Deferral Agreements entered into after November 16, 1999.
Except as otherwise provided in this Section 10.15, Deferral Agreements in
effect on November 16, 1999, will remain in effect in accordance with their
terms; however, no deferrals of Base Salary or Incentive Compensation shall be
made under such Deferral Agreements for Plan Years after 1999, and as of the
first business day of  2000, the balance in a Participant's Deferral Account as
of the close of business on December 31, 1999, shall be transferred to the
Deemed Investments selected by such Participant on or before December 31, 1999.
The Committee or its delegate shall provide to each Participant who is expected
to have a Deferral Account balance on December 31, 1999, a form for making such
Deemed Investment selection; if a Participant fails to make such selection by
December 31, 1999, then, as of the first business day of 2000, such
Participant's Deferral Account balance shall be transferred to a Deemed
Investment selected by the Committee, subject to such Participant's right to
subsequently select other Deemed Investments in accordance with the Plan.  For
purposes of making the transfer referred to in this Section 10.15, the balance
in a Participant's Deferral Account shall mean the balance in such Participant's
Termination Event Sub-Account (as defined in the Plan prior to the amendment of
the Plan on November 16, 1999). Prior to December 31, 1999, each Participant who
has entered into a Deferral Agreement in effect for Plan Years prior to 2000 may
elect, pursuant to Section 7.3 and on a form provided by the Committee or its
delegate, to receive his or her Deferral Benefit under such Deferral Agreement
at the end of any Plan Year after 1999 to which such Deferral Agreement
originally pertained.  A Participant who has entered into a Deferral Agreement
which is in effect on November 16, 1999, may enter into a new Deferral Agreement
for Plan Years after 1999.

                                       14

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