Document:

<Page>

                                                                    EXHIBIT 10.2

Plan Number:06359

                                    e401k(SM)

                          (PROFIT SHARING/401(K) PLAN)

                   NON-STANDARDIZED ADOPTION AGREEMENT NO. 001
                                  FOR USE WITH
                       FIDELITY BASIC PLAN DOCUMENT NO. 09

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

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Plan Number:06359

                               ADOPTION AGREEMENT
                                    ARTICLE 1
                   NON-STANDARDIZED PROFIT SHARING/401(K) PLAN

1.01   PLAN INFORMATION

       (a)  NAME OF PLAN:

            This is the PRESBY CORP, EMPLOYEES SAVINGS PLAN (the "Plan")

       (b)  TYPE OF PLAN:

            (1)  / /   401(k) Only
            (2)  /X/   401(k) and Profit Sharing

       (c)  ADMINISTRATOR IS THE EMPLOYER.

            The Administrator is the agent for service of legal process for the
            Plan.

       (d)  PLAN YEAR ENDS EACH DECEMBER 31ST, EXCEPT AS SPECIFIED BELOW.

            (1)  Prior to the Effective Date of this amendment restatement
                 listed in Section 1.01(g)(2), the prior Plan Year ended each
                 __________ (COMPLETE ONLY IF PRIOR PLAN YEAR END WAS NOT
                 DECEMBER 31ST.)

       (e)  THREE DIGIT PLAN NUMBER: 001

       (f)  LIMITATION YEAR IS THE CALENDAR YEAR.

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                        1
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Plan Number:06359
       (g)  PLAN STATUS (check appropriate box(es)):

            (1)  / /   New Plan Effective Date:

            (2)  /X/   Amendment Effective Date: 11/4/2002

                 This is (check one):

                 (A)   /X/   an amendment and restatement of a Fidelity Basic
                             Plan Document No. 09 or 15 Adoption Agreement
                             previously executed by the Employer; or

                 (B)   / /   a conversion to a Basic Plan Document No. 09
                             Adoption Agreement.

                             The original effective date of the Plan: 09/01/2000

            (3)  /X/   This is an amendment and restatement of the Plan and the
                       Plan was not amended prior to the effective date
                       specified in Subsection 1.01(g)(2) above to comply with
                       the requirements of the Acts specified in the Snap Off
                       Addendum to the Adoption Agreement. The provisions
                       specified in the Snap Off Addendum are effective as of
                       the dates specified in the Snap Off Addendum, which dates
                       may be prior to the Amendment Effective Date. Please read
                       and complete, if necessary, the Snap Off Addendum to the
                       Adoption Agreement.

            (4)  / /   Special Effective Dates. Certain provisions of the Plan
                       shall be effective as of a date other than the date
                       specified above. Please complete the Special Effective
                       Dates Addendum to the Adoption Agreement indicating the
                       affected provisions and their effective dates.

            (5)  / /   Plan Merger Effective Dates. Certain plan(s) were merged
                       into the Plan and certain provisions of the Plan are
                       effective with respect to the merged plan(s) as of a date
                       other than the date specified above. Please complete the
                       Special Effective Dates. Addendum to the Adoption
                       Agreement indicating the plan(s) that have merged into
                       the Plan and the effective date(s) of such merger(s).

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                        2
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Plan Number:06359
1.02   EMPLOYER

       (a)  EMPLOYER NAME:      PRESBY CORP.

             Address:           5910 NORTH CENTRAL EXPRESSWAY SUITE 1770

                                DALLAS, TX 75206

             Contact's Name:    MR. MARK COX

             Telephone Number:  (214) 368-0200

            (1)  Employer's Tax Identification Number: 75-2667596

            (2)  Business form of Employer (check one):

                 (A)   /X/   Corporation or limited liability company taxed as a
                             corporation

                 (B)   / /   Sole proprietor, partnership, or limited liability
                             company taxed as a sole proprietor or partnership

                 (C)   / /   Subchapter S corporation

                 (D)   / /   Tax-exempt organization

                 (E)   / /   Governmental entity

            (3)  Employer's fiscal year end: 12/31

            (4)  Date business commenced: 8/1/1994

       (b)  THE TERM "EMPLOYER" INCLUDES THE FOLLOWING RELATED EMPLOYER(S) (AS
            DEFINED IN SUBSECTION 2.01 (qq)) (list each participating Related
            Employer and its Employer Tax Identification Number):

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                        3
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Plan Number:06359
1.03   TRUSTEE

       (a)  TRUSTEE NAME:       Fidelity Management Trust Company
            Address:            82 Devonshire Street
                                Boston, MA 02109

1.04   COVERAGE

       ALL ELIGIBLE EMPLOYEES (AS DEFINED IN SECTION 2.01 (q)) WHO ARE AGE 21
       AND MEET THE CONDITION(s) SPECIFIED BELOW SHALL BE ELIGIBLE TO
       PARTICIPATE IN THE PLAN:

       (a)  ELIGIBILITY SERVICE REQUIREMENT (check one):

            (1)  /X/   no Eligibility Service requirement.

            (2)  / /   6 months of Eligibility Service requirement (no minimum
                       number Hours of Service can be required).

       (b)  THE ENTRY DATE SHALL BE THE FIRST DAY OF EACH MONTH.

       (c)  DATE OF INITIAL PARTICIPATION - An Eligible Employee shall become a
            Participant on the Entry Date immediately following the date the
            Eligible Employee attains age 21 and completes the service
            requirement in Subsection 1.04(a), if any, except (check one):

            (1)  /X/   no exceptions

            (2)  / /   Eligible Employees employed on the Effective Date in
                       Subsection 1.01(g) shall become Participants on that
                       date.

            (3)  / /   Eligible Employees who are age 21 and meet the service
                       requirement of Subsection 1.04(a) on the Effective Date
                       in Subsection 1.01(g) shall become Participants on that
                       date.

1.05   COMPENSATION

       COMPENSATION FOR PURPOSES OF DETERMINING CONTRIBUTIONS SHALL BE AS
       DEFINED IN SECTION 5.02. CONTRIBUTIONS FOR THE PLAN YEAR IN WHICH AN
       EMPLOYEE FIRST BECOMES A PARTICIPANT SHALL BE DETERMINED BASED ON THE
       EMPLOYEE'S COMPENSATION FOR THE ENTIRE PLAN YEAR.

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                        4
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Plan Number:06359
1.06   TESTING RULES

       (a)  ADP/ACP PRESENT TESTING METHOD - The testing method for purposes of
            applying the "ADP" and "ACP" tests described in Sections 6.03 and
            6.06 of the Plan shall be the (check one):

            (1)  /X/   CURRENT YEAR TESTING METHOD - The "ADP" or "ACP" of
                       Highly Compensated Employees for the Plan Year shall be
                       compared to the "ADP" or "ACP" of Non-Highly Compensated
                       Employees for the same Plan Year. (MUST CHOOSE IF OPTION
                       1.10(a), SAFE HARBOR MATCHING EMPLOYER CONTRIBUTIONS, OR
                       OPTION 1.11(a), SAFE HARBOR FORMULA, WITH RESPECT TO
                       NONELECTIVE EMPLOYER CONTRIBUTIONS IS CHECKED.)

            (2)  / /   PRIOR YEAR TESTING METHOD - The "ADP" or "ACP" of Highly
                       Compensated Employees for the Plan Year shall be compared
                       to the "ADP" or "ACP" of Non-Highly Compensated Employees
                       for the immediately preceding Plan Year. (DO NOT CHOOSE
                       IF OPTION 1.10(a), SAFE HARBOR MATCHING EMPLOYER
                       CONTRIBUTIONS, OR OPTION 1.11(a), SAFE HARBOR FORMULA,
                       WITH RESPECT TO NONELECTIVE EMPLOYER CONTRIBUTIONS IS
                       CHECKED.)

       NOTE: Restrictions apply on elections to change testing methods that are
       made after the end of the GUST remedial amendment period.

       (b)  FIRST YEAR TESTING METHOD - If the first Plan Year that the Plan,
            other than a successor plan, permits Deferral Contributions or
            provides for Matching Employer Contributions, occurs on or after the
            Effective Date specified in Subsection 1.01(g), the "ADP" and/or
            "ACP" test for such first Plan Year shall be applied using the
            actual "ADP" and/or "ACP" of Non-Highly Compensated Employees for
            such first Plan Year, unless otherwise provided below.

            (1)  / /   The "ADP" and/or "ACP" test for the first Plan Year that
                       the Plan permits Deferral Contributions or provides for
                       Matching Employer Contributions shall be applied assuming
                       a 3% "ADP" and/or "ACP" for Non-Highly Compensated
                       Employees. (DO NOT CHOOSE UNLESS PLAN USES PRIOR YEAR
                       TESTING METHOD DESCRIBED IN SUBSECTION 1.06(a)(2).)

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                        5
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Plan Number:06359
       (c)  HCE DETERMINATIONS: TOP PAID GROUP ELECTION - All Employees with
            Compensation exceeding $80,000 (as indexed) shall be considered
            Highly Compensated Employees, UNLESS TOP PAID GROUP ELECTION BELOW
            IS CHECKED.

            (1)  /X/   TOP PAID GROUP ELECTION - Employees with Compensation
                       exceeding $80,000 (as indexed) shall be considered Highly
                       Compensated Employees only if they are in the top paid
                       group (the top 20% of Employees ranked by Compensation).

            NOTE: Effective for determination years beginning on or after
            January 1, 1998, if the Employer elects Option 1.06(c)(1), such
            election must apply consistently to all retirement plans of the
            Employer for determination years that begin with or within the same
            calendar year.

1.07   DEFERRAL CONTRIBUTIONS

       (a)  DEFERRAL CONTRIBUTIONS - The Employer shall make a Deferral
            Contribution in accordance with Section 5.03 on behalf of each
            Participant who has an executed salary reduction agreement in effect
            with the Employer for the payroll period in question, not to exceed
            60% of Compensation for that period.

            NOTE: For Limitation Years beginning prior to 2002, the percentage
            elected above must be less than 25% in order to satisfy the
            limitation on annual additions under Code Section 415 if other types
            of contributions are provided under the Plan.

            (1)  A Participant may increase or decrease, on a prospective basis,
                 his salary reduction agreement percentage as of the next Entry
                 Date.

            (2)  A Participant may revoke, on a prospective basis, a salary
                 reduction agreement at any time upon proper notice to the
                 Administrator but in such case may not file a new salary
                 reduction agreement until any subsequent Entry Date.

1.08   EMPLOYEE CONTRIBUTIONS (AFTER-TAX CONTRIBUTIONS)

       (a)  / /  EMPLOYEE CONTRIBUTIONS - Participants are not permitted to
                 contribute amounts to the Plan on an after-tax basis but the
                 Employer does maintain frozen Employee Contributions Accounts.

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                        6
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Plan Number:06359
1.09   QUALIFIED NONELECTIVE CONTRIBUTIONS

       (a)  QUALIFIED NONELECTIVE EMPLOYER CONTRIBUTIONS - The Employer may
            contribute an amount which it designates as a Qualified Nonelective
            Employer Contribution to be included in the "ADP" or "ACP" test.
            Qualified Nonelective Employer Contributions shall be allocated to
            Participants who were eligible to participate in the Plan at any
            time during the Plan Year and are Non-Highly Compensated Employees
            either (1) in the ratio which each Participant's "testing
            compensation", as defined in Subsection 6.01(t), for the Plan Year
            bears to the total of all Participants' "testing compensation" for
            the Plan Year or (2) as a flat dollar amount.

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                        7
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Plan Number:06359
1.10   MATCHING EMPLOYER CONTRIBUTIONS

       NOTE: An Employer may elect both Option (a) and Option (b) below.

       (a)  / /  SAFE HARBOR MATCHING EMPLOYER CONTRIBUTIONS - Effective only
                 for Plan Years beginning on or after January 1, 1999, if the
                 Employer elects one of the safe harbor formula Options provided
                 in the Safe Harbor Matching Employer Contribution Addendum to
                 the Adoption Agreement and provides written notice to all
                 Active Participants of their rights and obligations under the
                 Plan, the Plan shall be deemed to satisfy the "ADP" test and
                 the "ACP" test.

       (b)  /X/  QUALIFIED MATCHING EMPLOYER CONTRIBUTIONS - The Employer may
                 make a Qualified Matching Employer Contribution that shall be
                 used to satisfy the "ADP" test on Deferral Contributions on
                 behalf of each eligible Active Participant in an amount equal
                 to the percentage declared for the Contribution Period, if any,
                 by a Board of Directors' Resolution (or by a Letter of Intent
                 for a sole proprietor or partnership) of the Deferral
                 Contributions made by each such Participant during the
                 Contribution Period. The Board of Directors' Resolution (or
                 Letter of Intent, if applicable) may limit the contributions
                 matched to a specified percentage of Compensation or limit the
                 amount of the match to a specified dollar amount.
                 Notwithstanding the foregoing, if the Employer has elected to
                 make Nonelective Employer Contributions or Matching Employer
                 Contributions that are intended to meet the requirements for
                 deemed satisfaction of the "ADP" test, Matching Employer
                 Contributions made pursuant to this Section 1.10 (b) must meet
                 the requirements of Section 6.10.

       (c)  CONTRIBUTION PERIOD FOR MATCHING EMPLOYER CONTRIBUTIONS - The
            Contribution Period for purposes of calculating the amount of
            Matching Employer Contributions is:

            (1)  / /   each Plan Year.

            (2)  /X/   each payroll period.

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                        8
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Plan Number:06359
1.11   NONELECTIVE EMPLOYER CONTRIBUTIONS

       NOTE: An Employer may elect both the safe harbor formula and the
       discretionary formula described below. If both are selected, the
       discretionary formula shall be treated as an additional Nonelective
       Employer Contribution and allocated separately.

       (a)  / /  SAFE HARBOR FORMULA - Effective only with respect to Plan Years
                 that begin on or after January 1, 1999, the Nonelective
                 Employer Contribution specified in the Safe Harbor Nonelective
                 Employer Contribution Addendum is intended to satisfy the safe
                 harbor contribution requirements under the Code such that the
                 "ADP" test and the "ACP" test is deemed satisfied. Please
                 complete the Safe Harbor Nonelective Employer Contribution
                 Addendum to the Adoption Agreement.

       (b)  /X/  DISCRETIONARY FORMULA - The Employer may decide each Plan Year
                 whether to make a discretionary Nonelective Employer
                 Contribution on behalf of eligible Active Participants in
                 accordance with Section 5.10. Such contributions shall be
                 allocated to eligible Active Participants in the ratio that
                 each eligible Active Participant's Compensation bears to the
                 total Compensation paid to all eligible Active Participants for
                 the Plan Year.

            (1)  CONTINUING ELIGIBILITY REQUIREMENT - A Participant shall only
                 be entitled to receive Nonelective Employer Contributions for a
                 Plan Year under this Subsection 1.11(b) if the Participant
                 either earns at least 501 Hours of Service during the Plan Year
                 or is employed by the Employer or a Related Employer on the
                 last day of the Plan Year.

                 NOTE: The last day and Hours of Service requirements in
                 Subsection 1.11(b)(1) shall apply only to Nonelective Employer
                 Contributions that are FUNDED by the Employer AFTER the Plan
                 Year ends. Nonelective Employer Contributions funded during the
                 Plan Year shall not be subject to the eligibility requirements
                 of Subsection 1.11(b)(1).

                 (A)   / /   DEATH, DISABILITY, AND RETIREMENT EXCEPTION TO
                             ELIGIBILITY REQUIREMENTS - Active Participants who
                             do not meet the last day and Hours of Service
                             requirements under Subsection 1.11(b)(1) because
                             they become disabled, as defined in Section 1.13,
                             retire, as provided in Subsection 1.12(a) or (b),
                             or die shall nevertheless receive an allocation of
                             Nonelective Employer Contributions. No Compensation
                             shall be imputed to Active Participants who become
                             disabled for the period following their disability.

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                        9
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Plan Number:06359
1.12   RETIREMENT

       (a)  THE NORMAL RETIREMENT AGE UNDER THE PLAN IS AGE 65 OR THE NORMAL
            RETIREMENT AGE SPECIFIED BELOW, IF EARLIER.

            (1)  / /   PROTECTED NORMAL RETIREMENT AGE - Check only if the Plan
                       was converted by plan amendment or received transfer
                       contributions from another defined contribution plan and
                       the normal retirement age under the defined contribution
                       plan was less than age 65. Normal Retirement Age is:

                 (A)   / /   age ____ (specify between 55 and 64).

                 (B)   / /   later of age _______ (not to exceed 65) or the
                             ________ (not to exceed fifth) anniversary of the
                             Participant's Employment Commencement Date.

       (b)  / /  PROTECTED EARLY RETIREMENT AGE - Check only if the Plan was
                 converted by plan amendment or received transfer contributions
                 from another defined contribution plan, and the defined
                 contribution plan provided for an early retirement age. Early
                 Retirement Age is the first day of the month after the
                 Participant attains age (SPECIFY 55 OR GREATER) and completes
                 ______ years of Vesting Service.

            NOTE: If this Option is elected, Participants who are employed by
            the Employer or a Related Employer on the date they reach the Early
            Retirement Age specified in (b) shall be 100% vested in their
            Accounts under the Plan.

       (c)  A PARTICIPANT WHO BECOMES DISABLED, AS DEFINED IN SECTION 1.13, IS
            ELIGIBLE FOR DISABILITY RETIREMENT. PARTICIPANTS WHO ARE EMPLOYED BY
            THE EMPLOYER OR A RELATED EMPLOYER ON THE DATE THEY BECOME DISABLED
            SHALL BE 100% VESTED IN THEIR ACCOUNTS UNDER THE PLAN.

1.13   DEFINITION OF DISABLED

       A PARTICIPANT IS DISABLED IF HE/SHE SATISFIES THE REQUIREMENTS FOR
       BENEFITS UNDER THE EMPLOYER'S LONG-TERM DISABILITY PLAN OR SATISFIES THE
       REQUIREMENTS FOR SOCIAL SECURITY DISABILITY BENEFITS OR IS DETERMINED TO
       BE DISABLED BY A PHYSICIAN APPROVED BY THE EMPLOYER.

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                       10
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Plan Number:06359
1.14   VESTING

       A PARTICIPANT'S VESTED INTEREST IN NONELECTIVE EMPLOYER CONTRIBUTIONS,
       OTHER THAN SAFE HARBOR NONELECTIVE EMPLOYER CONTRIBUTIONS ELECTED IN
       SUBSECTION 1.11(a), SHALL BE BASED UPON HIS YEARS OF VESTING SERVICE AND
       THE SCHEDULE SELECTED BELOW. (A PARTICIPANT'S VESTED INTEREST IN MATCHING
       EMPLOYER CONTRIBUTIONS SHALL ALWAYS BE 100%.)

       (a)  VESTING SCHEDULE (CHECK ONE):

            NOTE: The vesting schedule selected below applies only to
            Nonelective Employer Contributions, other than safe harbor
            contributions selected under Option 1.11(a). Safe harbor
            contributions under Option 1.11(a) are always 100% vested
            immediately.

            (1)  / /   N/A - No Nonelective Employer Contributions other than
                       safe harbor Nonelective Employer Contributions

            (2)  /X/   100% Vesting immediately

            (3)  / /   3 year cliff (see 3 below)

            (4)  / /   4 year graduated (see 4 below)

            (5)  / /   6 year graduated (see 5 below)

<Table>
<Caption>
                      YEARS OF                        APPLICABLE
                   VESTING SERVICE                 VESTING SCHEDULE
                 ------------------------------------------------------
                                                3        4        5
                 ------------------------------------------------------
                  <S>                          <C>      <C>      <C>

                  0                              0%       0%       0%

                  1                              0%      25%       0%

                  2                              0%      50%      20%

                  3                            100%      75%      40%

                  4                            100%     100%      60%

                  5                            100%     100%      80%

                  6 or more                    100%     100%     100%
</Table>

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                       11
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Plan Number:06359
1.15   PREDECESSOR EMPLOYER SERVICE

       / /  SERVICE FOR PURPOSES OF ELIGIBILITY IN SUBSECTION 1.04(a) AND
            VESTING IN SUBSECTION 1.14(a) OF THIS PLAN SHALL INCLUDE SERVICE
            WITH THE FOLLOWING PREDECESSOR EMPLOYER(S):

1.16   PARTICIPANT LOANS

       PARTICIPANT LOANS (check one):

       (a)  /X/  ARE ALLOWED IN ACCORDANCE WITH ARTICLE 9 AND LOAN PROCEDURES
                 OUTLINED IN THE SERVICE AGREEMENT.

       (b)  / /  ARE NOT ALLOWED.

1.17   IN-SERVICE WITHDRAWALS

       PARTICIPANTS MAY MAKE WITHDRAWALS PRIOR TO TERMINATION OF EMPLOYMENT
       UNDER THE FOLLOWING CIRCUMSTANCES:

       (a)  HARDSHIP WITHDRAWALS - Hardship withdrawals from a Participant's
            Deferral Contributions Account shall be allowed in accordance with
            Section 10.05, subject to a $500 minimum amount.

       (b)  AGE 59 1/2 - Participants shall be entitled to receive a
            distribution of all or any portion of the vested portion of his
            Accounts upon attainment of age 59 1/2.

       (c)  WITHDRAWAL OF EMPLOYEE CONTRIBUTIONS AND ROLLOVER CONTRIBUTIONS -
            The Plan provides for in-service withdrawals of Rollover
            Contributions and/or Employee Contributions (as defined under
            Section 1.08) at any time.

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                       12
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Plan Number:06359
       (d)  / /  PROTECTED IN-SERVICE WITHDRAWAL PROVISIONS-Check if the Plan
                 was converted by plan amendment or received transfer
                 contributions from another defined contribution plan, and
                 benefits under the other defined contribution plan were payable
                 as (check the appropriate box(es)):

            (1)  / /   an in-service withdrawal of vested employer contributions
                       maintained in a Participant's Account (check (A) and/or
                       (B)):

                 (A)   / /   for at least _____(24 or more) months.

                 (B)   / /   after the Participant has at least 60 months of
                             participation.

            (2)  / /   another in-service withdrawal option that is a "protected
                       benefit" under Code Section 411(d)(6). The other
                       in-service withdrawal options available under the Plan
                       are:

                       _________________________________________________________
                       _________________________________________________________
                       _________________________________________________________
                       _________________________________________________________
                       _________________________________________________________

1.18   FORM OF DISTRIBUTIONS

       SUBJECT TO SECTION 13.02 AND ARTICLE 14, DISTRIBUTIONS UNDER THE PLAN
       SHALL BE PAID AS (check the appropriate box(es)):

       (a)  LUMP SUM PAYMENTS - Lump sum payments are always available under the
            Plan.

       (b)  / /  ELIMINATED FORMS OF PAYMENTS - Check if either (1) under the
                 Plan terms prior to the Amendment Effective Date or (2) under
                 the terms of another plan from which assets were transferred,
                 benefits were payable in any other form that will cease to be
                 offered after a specified date. Please complete Subsection (a)
                 of the Forms of Payment Addendum describing the forms of
                 payment previously available and the effective date of the
                 elimination of the form(s) of payment.

       NOTE: The Plan will not accept assets attributable to amounts transferred
       directly or indirectly from any plan subject to the minimum funding
       requirements of Code Section 412.

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                       13
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Plan Number:06359
1.19   TIMING OF DISTRIBUTIONS

       DISTRIBUTION SHALL BE MADE TO AN ELIGIBLE PARTICIPANT FROM HIS VESTED
       INTEREST IN HIS ACCOUNT AS SOON AS REASONABLY PRACTICABLE FOLLOWING THE
       DATE THE PARTICIPANT'S APPLICATION FOR DISTRIBUTION IS RECEIVED BY THE
       ADMINISTRATOR, BUT IN NO EVENT LATER THAN HIS REQUIRED BEGINNING DATE, AS
       DEFINED IN SUBSECTION 2.01 (rr).

1.20   TOP HEAVY STATUS

       (a)  THE PLAN SHALL BE SUBJECT TO THE TOP-HEAVY PLAN REQUIREMENTS OF
            ARTICLE 15 (check one):

            (1)  / /   for each Plan Year, whether or not the Plan is a
                       "top-heavy plan" as defined in Subsection 15.01(f).

            (2)  /X/   for each Plan Year, if any, for which the Plan is a
                       "top-heavy plan" as defined in Subsection 15.01(f).

       (b)  IN DETERMINING WHETHER THE PLAN IS A "TOP-HEAVY PLAN" FOR AN
            EMPLOYER WITH AT LEAST ONE DEFINED BENEFIT PLAN, THE FOLLOWING
            ASSUMPTIONS SHALL APPLY:

            (1)  / /   Interest rate:______ % per annum.

            (2)  / /   Mortality table:__________________________________.

       (c)  IF THE PLAN IS OR IS TREATED AS A "TOP-HEAVY PLAN" FOR A PLAN YEAR,
            EACH NON-KEY EMPLOYEE SHALL RECEIVE AN EMPLOYER CONTRIBUTION OF AT
            LEAST 3.0 (3,4,5, OR 7-1/2)% OF COMPENSATION FOR THE PLAN YEAR IN
            ACCORDANCE WITH SECTION 15.03. THE MINIMUM EMPLOYER CONTRIBUTION
            PROVIDED IN THIS SUBSECTION 1.20(c) SHALL BE MADE UNDER THIS PLAN
            ONLY IF THE PARTICIPANT IS NOT ENTITLED TO SUCH CONTRIBUTION UNDER
            ANOTHER QUALIFIED PLAN OF THE EMPLOYER, UNLESS THE EMPLOYER ELECTS
            OTHERWISE BELOW.

            (1)  / /   The minimum Employer Contribution shall be paid under
                       this Plan in any event.

            (2)  / /   Another method of satisfying the requirements of Code
                       Section 416. Please complete the 416 Contribution
                       Addendum to the Adoption Agreement describing the way in
                       which the minimum contribution requirements will be
                       satisfied in the event the Plan is or is treated as a
                       "top-heavy plan".

            NOTE: The minimum Employer contribution may be less than the
            percentage indicated in Subsection 1.20(c) above to the extent
            provided in Section 15.03.

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                       14
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Plan Number:06359
       (d)  IF THE PLAN IS OR IS TREATED AS A "TOP-HEAVY PLAN" FOR A PLAN YEAR,
            AND SUBSECTION 1.14(a)(1) IS ELECTED, THE 6 YEAR GRADUATED VESTING
            SCHEDULE DESCRIBED IN SUBSECTION 1.14(a)(5) SHALL APPLY TO EMPLOYER
            CONTRIBUTIONS FOR SUCH PLAN YEAR AND EACH PLAN YEAR THEREAFTER.

1.21   CORRECTION TO MEET 415 REQUIREMENTS UNDER MULTIPLE DEFINED CONTRIBUTION
       PLANS

       If the Employer maintains other defined contribution plans, annual
       additions to a Participant's Account shall be limited as provided in
       Section 6.12 of the Plan to meet the requirements of Code Section 415,
       unless the Employer elects otherwise below and complete the 415
       Correction Addendum describing the order in which annual additions shall
       be limited among the plans.

       (a)  / /  OTHER ORDER FOR LIMITING ANNUAL ADDITIONS

1.22   INVESTMENT CORRECTION

       Participant Accounts shall be invested in accordance with investment
       directions provided to the Trustee by each Participant for allocating his
       entire Account among the Options listed in the Service Agreement.

1.23   RELIANCE ON OPINION LETTER

       An adopting Employer may rely on the opinion letter issued by the
       Internal Revenue Service as evidence that this Plan is qualified under
       Code Section 401 only to the extent provided in Announcement 2001-77,
       2001-30 I.R.B. The Employer may not rely on the opinion letter in certain
       other circumstances or with respect to certain qualification
       requirements, which are specified in the opinion letter issued with
       respect to this Plan and in Announcement 2001-77. In order to have
       reliance in such circumstances or with respect to such qualification
       requirements, application for a determination letter must be made to
       Employee Plans Determinations of the Internal Revenue Service. Failure to
       fill out the Adoption Agreement properly may result in disqualification
       of the Plan.

       This Adoption Agreement may be used only in conjunction with Fidelity
       Basic Plan Document No. 09. The Prototype Sponsor shall inform the
       adopting Employer of any amendments made to the Plan or of the
       discontinuance or abandonment of the prototype plan document.

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                       15
<Page>

Plan Number:06359
1.24   ELECTRONIC SIGNATURE AND RECORDS

       THIS ADOPTION AGREEMENT, AND ANY AMENDMENT THERETO, MAY BE EXECUTED OR
       AFFIRMED BY AN ELECTRONIC SIGNATURE OR ELECTRONIC RECORD PERMITTED UNDER
       APPLICABLE LAW OR REGULATION, PROVIDED THE TYPE OR METHOD OF ELECTRONIC
       SIGNATURE OR ELECTRONIC RECORD IS ACCEPTABLE TO THE TRUSTEE.

1.25   PROTOTYPE INFORMATION:

       Name of Prototype Sponsor:    Fidelity Management & Research Company
       Address of Prototype Sponsor: 82 Devonshire Street
                                     Boston, MA 02109

       Questions regarding this prototype document may be directed to the
       following telephone number: 1-800-343-9184.

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                       16
<Page>

Plan Number:06359

                                 EXECUTION PAGE
                                (FIDELITY'S COPY)

IN WITNESS WHEREOF, the Employer has caused this Adoption Agreement to be
executed this _______ day of
_____________________________, __________.

                                 Employer:
                                           -------------------------------------
                                 By:
                                           -------------------------------------
                                 Title:
                                           -------------------------------------

                                 Employer:
                                           -------------------------------------
                                 By:
                                           -------------------------------------
                                 Title:
                                           -------------------------------------

Accepted by:

Fidelity Management Trust Company, as Trustee

By:                                                     Date:
       -------------------------------------                 -------------------
Title:
       -------------------------------------

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                       17
<Page>

Plan Number:06359

                                 EXECUTION PAGE
                                (EMPLOYER'S COPY)

IN WITNESS WHEREOF, the Employer has caused this Adoption Agreement to be
executed this _______ day of
_____________________________, __________.

                                 Employer:
                                           -------------------------------------
                                 By:
                                           -------------------------------------
                                 Title:
                                           -------------------------------------

                                 Employer:
                                           -------------------------------------
                                 By:
                                           -------------------------------------
                                 Title:
                                           -------------------------------------

Accepted by:

Fidelity Management Trust Company, as Trustee

By:                                                     Date:
       -------------------------------------                 -------------------
Title:
       -------------------------------------

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                       18
<Page>

Plan Number:06359

                            AMENDMENT EXECUTION PAGE

This page is to be completed in the event the Employer modifies any prior
election(s) or makes a new election(s) in this Adoption Agreement. Attach the
amended page(s) of the Adoption Agreement to this execution page.

The following section(s) of the Plan are hereby amended effective as of the
date(s) set forth below:

<Table>
<Caption>
     Section Amended                 Page                    Effective Date
--------------------------------------------------------------------------------
<S>                          <C>                        <C>
--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------
</Table>

IN WITNESS WHEREOF, the Employer has caused this Amendment to be executed this
day of ____________________.

Employer:                                 Employer:
         --------------------------                --------------------------
By:                                       By:
         --------------------------                --------------------------
Title:                                    Title:
         --------------------------                --------------------------

Accepted by:

Fidelity Management Trust Company, as Trustee

By:                                                     Date:
       -------------------------------------                 -------------------
Title:
       -------------------------------------

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                       19
<Page>

Plan Number:06359

                                    ADDENDUM
                           RE: SPECIAL EFFECTIVE DATES
                                       FOR

       PLAN NAME:  PRESBY CORP. EMPLOYEES SAVINGS PLAN

       (a)  / /  SPECIAL EFFECTIVE DATES FOR OTHER PROVISIONS - The following
                 provisions (eg., new eligibility requirements, new contribution
                 formula, etc.) shall be effective as of the dates specified
                 herein:

                 _______________________________________________________________

                 _______________________________________________________________

                 _______________________________________________________________

                 _______________________________________________________________

                 _______________________________________________________________

                 _______________________________________________________________

       (b)  / /  PLAN MERGER EFFECTIVE DATES - The following plan(s) were merged
                 into the Plan after the Effective Date indicated in Subsection
                 1.01(g)(1) or (2), as applicable. The provisions of the Plan
                 are effective with respect to the merged plan(s) as of the
                 date(s) indicated below:

            (1)  Name of merged plan:
                 _______________________________________________________________
                 _______________________________________________________________
                 _______________________________________________________________
                 _______________________________________________________________
                 _______________________________________________________________

                 Effective date:___________________________

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                       20
<Page>

Plan Number:06359

            (2)  Name of merged plan:
                 _______________________________________________________________
                 _______________________________________________________________
                 _______________________________________________________________
                 _______________________________________________________________
                 _______________________________________________________________

                 Effective date:___________________________

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                       21
<Page>

Plan Number:06359

                                    ADDENDUM
                 RE: SAFE HARBOR MATCHING EMPLOYER CONTRIBUTION
                                       FOR

       PLAN NAME:  PRESBY CORP. EMPLOYEES SAVINGS PLAN

       (a)  SAFE HARBOR MATCHING EMPLOYER CONTRIBUTION FORMULA

            NOTE: Matching Employer Contributions made under this Option must be
            100% vested when made and may only be distributed because of death,
            disability, separation from service, age 59 1/2, or termination of
            the Plan without the establishment of a successor plan. In addition,
            each Plan Year, the Employer must provide written notice to all
            Active Participants of their rights and obligations under the Plan.

       (1)  / /  100% of the first 3% of the Active Participant's Compensation
                 contributed to the Plan and 50% of the next 2% of the Active
                 Participant's Compensation contributed to the Plan.

            (A)  / /   Safe harbor Matching Employer Contributions shall not be
                       made on behalf of Highly Compensated Employees.

       (2)  / / Other Enhanced Match:

            _____% of the first _____% of the Active Participant's Compensation
            contributed to the plan,

            _____% of the next _____% of the Active Participant's Compensation
            contributed to the plan,

            _____% of the next _____% of the Active Participant's Compensation
            contributed to the plan,

            NOTE: The percentages specified above for Matching Employer
            Contributions may not increase as the percentage of Compensation
            contributed increases, the aggregate amount of Matching Employer
            Contributions at such rates must at least equal the aggregate amount
            of Matching Employer Contributions which would be made under the
            percentages described in (a)(1) of this Addendum and the Deferral
            Contributions matched cannot exceed 6% of a Participant's
            Compensation.

            (A)  / /   Safe Harbor Matching Employer Contributions shall not be
                       made on behalf of Highly Compensated Employees.

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                       22
<Page>

Plan Number:06359

                                    ADDENDUM
                RE: SAFE HARBOR NONELECTIVE EMPLOYER CONTRIBUTION
                                       FOR

       PLAN NAME:  PRESBY CORP. EMPLOYEES SAVINGS PLAN

       (a)  SAFE HARBOR NONELECTIVE EMPLOYER CONTRIBUTION ELECTION

            (1)  / /   For each Plan Year, the Employer shall contributed for
                       each eligible Active Participant an amount equal to
                       ________% (NOT LESS THAN 3% NOR MORE THAN 15%) of such
                       Active Participant's Compensation.

            (2)  / /   The Employer may decide each Plan Year whether to amend
                       the Plan by electing and completing (A) below to provide
                       for a contribution on behalf of each eligible Active
                       Participant in an amount equal to at least 3% of such
                       Active Participant's Compensation.

                 NOTE: An Employer that has selected Subsection (a)(2) above
                 must amend the Plan by electing (A) below and completing the
                 Amendment Execution Page no later than 30 days prior to the end
                 of each Plan Year for which safe harbor Nonelective Employer
                 Contributions are being made.

                 (A)   / /   For the Plan Year beginning ______________, the
                             Employer shall contribute for each eligible Active
                             Participant an amount equal to % (not less than 3%
                             nor more than 15%) of such Active Participant's
                             Compensation.

       NOTE: Safe harbor Nonelective Employer Contributions must be 100% vested
       when made and may only be distributed because of death, disability,
       separation from service, age 59 1/2, or termination of the Plan without
       the establishment of a successor plan. In addition, each Plan Year, the
       Employer must provide written notice to all Active Participants of their
       rights and obligations under the Plan.

       (b)  / /  Safe harbor Nonelective Employer Contributions shall NOT be
                 made on behalf of Highly Compensated Employees.

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                       23
<Page>

Plan Number:06359

                                    ADDENDUM
                              RE: FORMS OF PAYMENT
                                       FOR

       PLAN NAME:  PRESBY CORP. EMPLOYEES SAVINGS PLAN

(a)    The following forms of payment were previously available under the Plan
       but will be eliminated as of the date specified in subsection (4) below
       (check the applicable (box(es) and complete (4)):

       (1)  / /  INSTALLMENT PAYMENTS.

       (2)  / /  ANNUITIES.

            (A)  / /   The normal form of payment under the Plan was lump sum
                       and all optional annuity forms of payment are eliminated.
                       The eliminated forms of payment include the following:

                       _________________________________________________________
                       _________________________________________________________

            (B)  / /   The normal form of payment under the Plan was a life
                       annuity and all annuity forms of payment are eliminated.
                       (COMPLETE (i) AND (ii) AND, IF APPLICABLE, (iii).)

                       (i)   The normal form for married Participants was a
                             qualified joint and % (at least 50%) survivor
                             annuity. The normal form for unmarried Participants
                             was a single life annuity, unless a different form
                             is specified below:

                             ___________________________________________________

                       (ii)  The qualified preretirement survivor annuity
                             provided to a Participant's spouse was purchase
                             with ______% (AT LEAST 50%) of the Participant's
                             Account.

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                       24
<Page>

Plan Number:06359

                       (iii) The other annuity form(s) of payment previously
                             available under the Plan included the following:

                             ___________________________________________________
                             ___________________________________________________

       (3)  / /  OTHER NON-ANNUITY FORMS OF PAYMENT. All other non-annuity forms
                 of payment that were previously available under the Plan are
                 eliminated. The eliminated non-annuity forms of payment include
                 the following:

                 _______________________________________________________________
                 _______________________________________________________________
                 _______________________________________________________________
                 _______________________________________________________________

       (4)  The form(s) of payment described in this Subsection (a) will not be
            offered to Participants who have an Annuity Starting Date which
            occurs on or after (CANNOT BE EARLIER THAN SEPTEMBER 6, 2000).
            Notwithstanding the date entered above, the forms of payment
            described in this Subsection (a) will continue to be offered to
            Participants who have an Annuity Starting Date that occurs (1)
            within 90 days following the date the Employer provides affected
            Participants with a summary that satisfies the requirements of 29
            CFR 2520.104b-3 and that notifies them of the elimination of the
            applicable form(s) of payment, but (2) no later than the first day
            of the second Plan Year following the Plan Year in which the
            amendment eliminating the applicable form(s) of payment is adopted.

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                       25
<Page>

Plan Number:06359

                                    ADDENDUM
                               RE: 415 CORRECTION
                                       FOR

       PLAN NAME:  PRESBY CORP. EMPLOYEES SAVINGS PLAN

       (a)  OTHER FORMULA FOR LIMITING ANNUAL ADDITIONS TO MEET 415 - If the
            Employer, or any employer required to be aggregated with the
            Employer under Code Section 415, maintains any other qualified
            defined contribution plans or any "welfare benefit fund",
            "individual medical account", or "simplified medical account",
            annual additions to such plans shall be limited as follows to meet
            the requirement of Code Section 415:

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                       26
<Page>

Plan Number:06359

                                    ADDENDUM
                              RE: 416 CONTRIBUTION
                                       FOR

       PLAN NAME:  PRESBY CORP. EMPLOYEES SAVINGS PLAN

       (a)  OTHER METHOD OF SATISFYING THE REQUIREMENTS OF 416 - If the
            Employer, or any employer required to be aggregated with the
            Employer under Code Section 416, maintains any other qualified
            defined contribution or defined benefit plans, the minimum benefit
            requirements of Code Section 416 shall be satisfied as follows:

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                       27
<Page>

Plan Number:06359

                                SNAP OFF ADDENDUM
                     RE: EFFECTIVE DATES FOR GUST COMPLIANCE
                                       FOR

       PLAN NAME: PRESBY CORP. EMPLOYEES SAVINGS PLAN

       Notwithstanding any other provision of the Plan to the contrary, to
       comply with changes required by the Retirement Protection Act of 1994
       ("GATT"), the Uniformed Services Employment and Reemployment Rights Act
       of 1994 ("USERRA"), the Small Business Job Protection Act of 1996
       ("SBJPA"), the Taxpayer Relief Act of 1997 ("TRA '97") and the Internal
       Revenue Service Restructuring and Reform Act of 1998 (collectively,
       "GUST"), the following provisions shall apply effective as of the dates
       set forth below:

       (a)  THE FOLLOWING ELECTIONS WERE IN EFFECT FOR PLAN YEARS BEGINNING ON
            OR AFTER JANUARY 1, 1997 AND ENDING BEFORE THE DATE SPECIFIED IN
            SUBSECTION 1.01(g)(2):

            (1)  HCE DETERMINATIONS HISTORY - The Plan was operated in
                 accordance with the provisions of Subsections 1.06(a) and
                 2.01(y), unless otherwise provided below.

                 (A)   / /   HCE DETERMINATIONS: LOOK BACK YEAR ELECTIONS - For
                             the following Plan Year(s), the Plan was operated
                             in accordance with a different look back year
                             election as provided below:

                 (B)   / /   HCE DETERMINATIONS: TOP PAID GROUP ELECTIONS - For
                             the following Plan Year(s), the Plan was operated
                             in accordance with a different top paid group
                             election as provided below:

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                       28
<Page>

Plan Number: 06359

            (2)  ADP/ACP TESTING METHODS HISTORY - The Plan was operated using
                 the testing method shown in Subsection 1.06(a), unless
                 otherwise provided below.

                 (A)   / /   For the following Plan Years, the Plan was operated
                             in accordance with a different method as provided
                             below:

            (3)  FIRST YEAR TESTING METHOD - If in the first Plan Year that the
                 Plan, other than a successor plan, permitted Deferral
                 Contributions or provided for Matching Employer Contributions,
                 occurred on or after January 1, 1997 but prior to the Effective
                 Date specified in Subsection 1.01(g)(2), the "ADP" and/or "ACP"
                 test for such first Plan Year was applied using the actual
                 "ADP" and/or "ACP" of Non-Highly Compensated Employees for such
                 first Plan Year, unless otherwise provided below.

                 (A)   / /   The "ADP" and/or "ACP" test for the first Plan Year
                             that the Plan permitted Deferral Contributions
                             or provided for either Employee or Matching
                             Employer Contributions was applied assuming a 3%
                             "ADP" and/or "ACP" for Non-Highly Compensated
                             Employees.

       (b)  THE FOLLOWING PROVISIONS ARE EFFECTIVE AS OF THE FOLLOWING DATES,
            EXCEPT AS OTHERWISE PROVIDED IN THE APPLICABLE SUBSECTION(S) (A):

            (1)  The definition of "Required Beginning Date" in Subsection
                 2.01(rr) is effective January 1, 1997.

                 (A)   / /   Later effective date applicable to the definition
                             of Required Beginning Date in Subsection 2.01(rr):
                             ___________ (CANNOT BE LATER THAN THE JANUARY 1
                             FOLLOWING THE DATE SPECIFIED IN SUBSECTION
                             1.01(g)(2)).

            (2)  The elimination of all family aggregation rules is effective
                 for Plan Years beginning on or after January 1, 1997.

                 (A)   / /   Later effective date applicable to elimination of
                             family aggregation rules: __________ (CANNOT BE
                             LATER THAN THE FIRST DAY OF THE PLAN YEAR IN WHICH
                             THE DATE SPECIFIED IN SUBSECTION 1.01(g)(2)
                             OCCURS).

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2001 FMR Corp.
                              All Rights Reserved.

                                       29
<Page>

Plan Number: 06359

            (3)  The inclusion in Compensation for purposes of Code Section 415
                 of amounts excluded from gross income under a salary reduction
                 agreement by reason of the application of Code Sections 125,
                 402(e)(3), 402(h), or 403(b), as provided in Subsection
                 6.12(d), is effective for Limitation Years beginning on or
                 after January 1, 1998.

                 (A)   / /   Later effective date applies to modification of
                             definition of Compensation for Code Section 415
                             purposes: __________ (CANNOT BE LATER THAN THE
                             FIRST DAY OF THE LIMITATION YEAR IN WHICH THE DATE
                             SPECIFIED IN SUBSECTION 1.01(g)(2) OCCURS).

            (4)  The increase in the cash out limitation from $3,500 to $5,000
                 is effective the first day of the first Plan Year beginning
                 after August 5, 1997.

                 (A)   / /   Later effective date applies to increase in cash
                             out limitation: (CANNOT BE LATER THAN THE DATE
                             SPECIFIED IN SUBSECTION 1.01(g)(2)).

            (5)  The elimination of the "look back" requirement for mandatory
                 cashouts with respect to Participants whose Accounts are not
                 subject to the requirements of Section 14.04 shall be effective
                 with respect to distributions made on or after March 22, 1999.

                 (A)   / /   Later effective date applies to elimination of look
                             back requirement for mandatory cashouts:
                             ___________ (CANNOT BE LATER THAN THE DATE
                             SPECIFIED IN SUBSECTION 1.01(g)(2)).

            (6)  The exclusion from the definition of "eligible rollover
                 distribution" in Subsection 13.04(c) of hardship withdrawals of
                 Deferral Contributions made in accordance with the provisions
                 of Section 10.05 is effective for distributions made on or
                 after January 1, 1999.

                 (A)   / /   Later effective date applies to the rollover
                             treatment of hardship withdrawals of Deferral
                             Contributions: __________ (CANNOT BE LATER THAN THE
                             EARLIER OF JANUARY 1, 2000 OR THE DATE SPECIFIED IN
                             SUBSECTION 1.01(g)(2)).

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                       30
<Page>

Plan Number: 06359

       (c)  THE FOLLOWING PROVISIONS ARE EFFECTIVE AS OF THE FOLLOWING DATES:

            (1)  The inclusion in Compensation of amounts excluded from gross
                 income under a salary reduction agreement by reason of the
                 application of Code Section 132(f)(4) (the "132(f) Amendment"),
                 as provided in Subsections 2.01(s) and 2.01(z), Sections 5.02
                 and 15.03 is effective for Plan Years beginning on or after
                 January 1, 2001, or, if earlier, the first day of the Plan Year
                 in which the Plan has been operated in accordance with the
                 132(f) Amendment, but in no case earlier than the first Plan
                 Year beginning on or after January 1, 1998.

                 The 132(f) Amendment, as provided in Subsection 6.12(d) is
                 effective for Limitation Years beginning on or after January 1,
                 2001, or, if earlier, the first day of the Limitation Year in
                 which the Plan has been operated in accordance with the 132(f)
                 Amendment, but, in no case earlier than the first Limitation
                 Year beginning on or after January 1, 1998.

            (2)  The definition of "Highly Compensated Employee" in Subsection
                 2.01(y) is effective for Plan Years beginning on or after
                 January 1, 1997.

            (3)  The definition of "Leased Employee" in Subsection 2.01(bb) is
                 effective for Plan Years beginning on or after January 1, 1997.

            (4)  The change in the "maximum permissible amount", as defined in
                 Subsection 6.01(r), to $30,000 adjusted for cost of living
                 increases, is effective for Limitation Years beginning on or
                 after January 1, 1995.

            (5)  The rules for applying the "ADP" test, described in Section
                 6.03, and the "ACP" test, described in Section 6.06 are
                 effective for Plan Years beginning on or after January 1, 1997.

            (6)  The rules for allocating and distributing "excess
                 contributions", as provided in Section 6.04, and the rules for
                 allocation, distribution and forfeiture of "excess aggregate
                 contributions", as provided in Section 6.07 are effective for
                 Plan Years beginning on or after January 1, 1997.

            (7)  The 4% limitation on discretionary matching employer
                 contributions in the event the Plan is intended to satisfy the
                 safe harbor contribution requirements under the Code such that
                 the "ADP" test (and, if applicable, the "ACP" test) is deemed
                 satisfied is effective only for Plan Years beginning on or
                 after January 1, 2000.

            (8)  The provisions of Section 18.03, regarding the Code Section
                 401(a)(13)(C) and (D) exceptions to the nonalienability of
                 benefits rules, apply to judgments, orders, and decrees issued
                 and settlement agreements entered into on or after August 5,
                 1997.
e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                       31
<Page>

Plan Number: 06359

            (9)  The provisions of Section 18.06, regarding veterans
                 reemployment rights, are effective December 12, 1994.

       (d)  FOR PLAN YEARS ENDING BEFORE THE DATE SPECIFIED IN SUBSECTION
            1.01(g)(2), THE PROVISIONS OF THIS AMENDMENT AND RESTATEMENT THAT
            ARE RELATED TO GUST SHALL APPLY IN ACCORDANCE WITH THE PROVISIONS OF
            THIS AMENDMENT AND RESTATEMENT, EXCEPT AS OTHERWISE PROVIDED BELOW:

       (e)  FOR PLAN YEARS ENDING BEFORE THE DATE SPECIFIED IN SUBSECTION
            1.01(g)(2), THE PROVISIONS OF THIS AMENDMENT AND RESTATEMENT THAT
            ARE RELATED TO GUST SHALL APPLY TO ALL PLANS MERGED INTO THE PLAN
            DURING THE PERIOD COVERED BY THIS ADDENDUM EXCEPT TO THE EXTENT ANY
            SUCH MERGED PLAN IS AMENDED TO PROVIDE OTHERWISE OR AS PROVIDED
            BELOW:

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                       32
<Page>

Plan Number: 06359

                     e401k(SM) (PROFIT SHARING/401(K) PLAN)

                         ADDENDUM TO ADOPTION AGREEMENT

                       FIDELITY BASIC PLAN DOCUMENT NO. 09

          RE: ECONOMIC GROWTH AND TAX RELIEF RECONCILIATION ACT OF 2001
                            ("EGTRRA") AMENDMENTS FOR

PLAN NAME: PRESBY CORP. EMPLOYEES SAVINGS PLAN

PREAMBLE
ADOPTION AND EFFECTIVE DATE OF AMENDMENT. This amendment of the Plan is adopted
to reflect certain provisions of the Economic Growth and Tax Relief
Reconciliation Act of 2001 ("EGTRRA"). This amendment is intended as good faith
compliance with the requirements of EGTRRA and is to be construed in accordance
with EGTRRA and guidance issued thereunder. Except as otherwise provided below,
this amendment shall be effective as of the first day of the first plan year
beginning after December 31, 2001.

SUPERSESSION OF INCONSISTENT PROVISIONS. This amendment shall supersede the
provisions of the Plan to the extent those provisions are inconsistent with the
provisions of this amendment.

(a)    CATCH-UP CONTRIBUTIONS. The Employer must select either (1) or (2) below
       to indicate whether eligible Participants age 50 or older by the end of a
       calendar year will be permitted to make catch-up contributions to the
       Plan, as described in Section 5.03(b)(1):

       (1)  /X/  Catch-up contributions shall apply effective January 1, 2002,
                 unless a later effective date is specified herein.

       (2)  / /  Catch-up contributions shall NOT apply.

       NOTE: The Employer must NOT select (a)(1) above unless all plans of all
       employers treated, with the Employer, as a single employer under
       subsections (b), (c), (m), or (o) of Code Section 414 also permit catch
       up contributions (except a plan maintained by the Employer that is
       qualified under Puerto Rico law), as provided in Code Section 414(v)(4)
       and IRS guidance issued thereunder. The effective date applicable to
       catch-up contributions must likewise be consistent among all plans
       described immediately above, to the extent required in Code Section
       414(v)(4) and IRS guidance issued thereunder.

(b)    PLAN LIMIT ON ELECTIVE DEFERRAL FOR PLANS PERMITTING CATCH-UP
       CONTRIBUTIONS. This Section (b) is inapplicable if the Plan converted to
       this Fidelity document from any other document effective after April 1,
       2002.

       For Plans that permit catch-up contributions beginning on or before April
       1, 2002, pursuant to (a)(1) above, the 60% Plan Limit described in
       Section 5.03(b)(2) shall apply beginning April 1, 2002, unless (b)(1) or
       (b)(2) is selected below. For Plans that permit catch up contributions
       beginning after April 1, 2002, pursuant to (a)(1) above, the Plan Limit
       set out in Section 1.07(a) shall continue to apply unless and until the
       Employer's election in (b)(2) below, if any, provides for a change in the
       Plan Limit.

       (1)  / /  The Plan Limit set out in Section 1.07(a) shall continue to
                 apply on and after April 1, 2002.
       (2)  / /  The Plan Limit set out in Section 1.07(a)(1) shall continue to
                 apply until __________ (cannot be before April 1, 2002), and
                 the Plan Limit after that date shall be ___% of Compensation
                 each payroll period.

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                       33
<Page>

Plan Number: 06359

(c)    APPLICATION OF THE SAME DESK RULE. The Employer must mark the box below
       only if the Employer wants to discontinue the application of the same
       desk rule set forth in Section 12.01(a).

       / /  Effective for distributions from the Plan after December 31, 2001,
            or such later date as specified herein __, a Participant's elective
            deferrals, qualified nonelective contributions and qualified
            matching contributions, if applicable, and earnings attributable to
            such amounts shall be distributable, upon a severance from
            employment as described in Section 12.01(b), effective only for
            severances occurring after _____ (or, if no date is entered,
            regardless of when the severance occurred).

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                       34
<Page>

Plan Number: 06359

                               AMENDMENT EXECUTION
                                (FIDELITY'S COPY)

IN WITNESS WHEREOF, the Employer has caused this Amendment to be executed this
_______day of ___________, ______.

EMPLOYER :                                  EMPLOYER:
          -------------------------                  ------------------------

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

Title:                                      Title:
        ---------------------------                --------------------------

ACCEPTED BY: Fidelity Management Trust Company, as Trustee

By:                                         Date:
        ---------------------------                --------------------------

Title :
        ---------------------------

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                       35
<Page>

Plan Number: 06359

                               AMENDMENT EXECUTION
                                (EMPLOYER'S COPY)

IN WITNESS WHEREOF, the Employer has caused this Amendment to be executed this
_______day of ___________, ______.

EMPLOYER :                                  EMPLOYER:
          -------------------------                  ------------------------

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

Title:                                      Title:
        ---------------------------                --------------------------

ACCEPTED BY: Fidelity Management Trust Company, as Trustee

By:                                         Date:
        ---------------------------                --------------------------

Title :
        ---------------------------

e401k(SM)                                                        Non-Std PS Plan
                                                                        01/22/02
                               (C) 2002 FMR Corp.
                              All Rights Reserved.

                                       36
<Page>

                         [FIDELITY INVESTMENTS(SM) LOGO]

                       PRESBY CORP. EMPLOYEES SAVINGS PLAN

                                       THE
                                    e401k(SM)
                           PROFIT SHARING/401(K) PLAN
                                SERVICE AGREEMENT

06359                                                e401k(SM) Service Agreement
Version 4/2002                                                          08/15/02
                 (C) 2002 Fidelity Management & Research Company

<Page>

                       SERVICE AGREEMENT TABLE OF CONTENTS

ARTICLE I      INITIAL YEAR SET UP AND ANNUAL FEES
               The initial year and annual fees are the fees for the
               implementation and basic servicing of the Employer's Plan.
               CONDITIONAL SERVICE FEES
               The Conditional Service Fees are fees that apply only if the
               conditional services are selected.
ARTICLE II     TERMS AND CONDITIONS
               The Plan is subject to the terms and conditions of this Article.
               ADDITIONAL INFORMATION
               The Billing and Additional information assists in the
               implementation and servicing of the Employer's Plan.
               SPECIMEN SIGNATURES
               The specimen signers provide instructions.
               INVESTMENT LITERATURE CONTACT
               The investment literature contact receives the investment
               literature.
               EXECUTION PAGES
               These pages execute the Service Agreement.
APPENDIX A     PLAN INVESTMENT OPTIONS
               This appendix lists the investments the Employer has chosen to
               make available for the Plan.
APPENDIX B     ENROLLMENT AND EDUCATION SERVICES
               This appendix describes the enrollment and education services for
               the Employers Plan.
APPENDIX C     CONTRIBUTION PROCESSING
               This appendix describes the contribution processing services for
               the Employer's Plan.
APPENDIX D     LOANS AND WITHDRAWALS
               This appendix describes the loan and withdrawal services for the
               Employer's Plan.
APPENDIX E     COMPLIANCE SERVICES
               This appendix describes the nondiscrimination testing and Form
               5500 services for the Employer's Plan.
APPENDIX F     MISCELLANEOUS

               The Fidelity e401k(SM) Profit Sharing/401 (k) Plan

This Agreement is between Fidelity Management Trust Company ("Fidelity") and
Presby Corp. (the "Employer"), who maintains the Plan designated below.

PLAN NAME:                                  Presby Corp. Employees Savings Plan
                                            ------------------------------------
IMPLEMENTATION TYPE:                        Startup
                                            ------------------------------------
IMPLEMENTATION DATE                         11/04/2002
(OF FIDELITY e401k(SM) PROFIT /401(k)
PLAN):
                                            ------------------------------------
EFFECTIVE DATE:                             11/04/2002
                                            ------------------------------------

06359                                                e401k(SM) Service Agreement
Version 4/2002                                                          08/15/02
                 (C) 2001 Fidelity Management & Research Company

                                        2
<Page>

                                 ARTICLE I. FEES

                                   BASIC FEES
     The initial year and annual fees described below are the fees for the
           implementation and basic servicing of the Employer's Plan.

<Table>
<S>                                                              <C>
INITIAL YEAR SET UP FEES

     SET UP FEE:                                                         $   750
     Paid by Employer

ANNUAL FEES

     RECORDKEEPING AND TRUSTEE FEE:                                      $ 1,750
     Paid by Employer

     PLUS                                                        $20/PARTICIPANT
     Paid by EMPLOYER

     NONDISCRIMINATION TESTING SERVICES:
     NOT SELECTED

     FORM 5500 SERVICE:
     NOT SELECTED
</Table>

06359                                                e401k(SM) Service Agreement
Version 4/2002                                                          08/15/02
                 (C) 2001 Fidelity Management & Research Company

                                        3
<Page>

                             ARTICLE I. FEES (CONT.)

                            CONDITIONAL SERVICE FEES
The loan and miscellaneous fees described below are fees that apply only if the
                       conditional services are selected.

<Table>
<S>                                                 <C>
LOAN FEES

     PARTICIPANT LOAN SET UP                                        $75 PER LOAN
     Paid by PARTICIPANT

MISCELLANEOUS FEES

     MISCELLANCOUS DISTRIBUTION FEE:                $25/PARTICIPANT/DISTRIBUTION
     Paid by EMPLOYER
     Refund of Participant excess deferrals,
       contributions, or annual additions
</Table>

06359                                                e401k(SM) Service Agreement
Version 4/2002                                                          08/15/02
                 (C) 2001 Fidelity Management & Research Company

                                        4
<Page>

                        ARTICLE II. TERMS AND CONDITIONS

This Agreement is subject to the following terms and conditions:

1.   SERVICES: Fidelity shall have the responsibility to perform only those
     services set forth in this Agreement, including any Appendices to this
     Agreement. All other matters relating to the Plan shall be the
     responsibility of the Employer and the Plan Administrator. The Employer
     acknowledges that Fidelity does not provide legal or tax advice and that
     the Employer must obtain its own legal and tax counsel for advice on the
     plan design appropriate for its specific situation and on legal and tax
     issues pertaining to the administration of the Plan. The Employer
     acknowledges that the primary method of communicating and conducting
     transactions for the Plan shall be through internet applications. The
     Employer's computer system must meet certain minimum specifications to
     enable this service. Participant communications and transactions shall be
     conducted primarily through the NetBenefits(SM) website ("NetBenefits(SM)")
     or any other application subsequently utilized. A Participant must have
     access to a computer system that meets certain minimum specifications to
     utilize NetBenefits(SM). To the extent NetBenefits(SM) is unavailable to a
     Participant for purposes of certain transactions, the Employer is
     responsible for conducting such transactions in accordance with other
     procedures specified by Fidelity.

2.   DOCUMENTS: The Employer must use the Fidelity e401k(SM) Profit Sharing/
     401(k) Plan ('e401k') Prototype Basic Plan Document, corresponding
     Adoption Agreement, and Service Agreement. The Service Agreement includes
     any Appendices or Amendments, which are expressly made part of the Service
     Agreement. The Employer may not add, delete, or modify the documents in any
     way without the written consent of Fidelity. The Employer shall be
     responsible for completing and executing the Adoption Agreement,
     Standardized or Non-Standardized. Fidelity as the Prototype Plan Sponsor is
     responsible for updating and amending the Prototype plan document and may
     not provide legal advice to the Employer on the completion and execution of
     the documents. The Employer may only rely on the opinion letter issued by
     the National Office of the Internal Revenue Service as evidence that this
     Plan is qualified under section 401 of the Internal Revenue Code to the
     extent provided for by the Internal Revenue Service (IRS). The Employer is
     responsible for filing a request with the appropriate IRS office to obtain
     an individual determination letter for the Plan and for paying associated
     IRS user fees.

3.   RELATED EMPLOYERS: The Employer is responsible for determining if the
     Employer is a member of a controlled group of businesses or an affiliated
     service group, as those terms are defined by the Internal Revenue Code, and
     for notifying Fidelity in writing of its determination. Fidelity is under
     no obligation to verify the Employer's determination. Only members of the
     Employer's controlled group or affiliated service group may participate in
     the Plan. If the Standardized Adoption Agreement is adopted by the
     Employer, all members of its controlled group or affiliated service group
     MUST be included in the plan. Failure to do so may result in
     disqualification of the Plan by the Internal Revenue Service. If the
     Non-Standardized Adoption Agreement is adopted by the Employer, group
     members that participate in the Plan must be listed as Related Employers in
     the Adoption Agreement. All employees of group members must be considered
     for the coverage and contribution requirements of the Plan and of any plan
     of a group member. If the Employer's controlled group or affiliated service
     group status changes after initial retention of Fidelity, the Employer must
     provide timely written notification to Fidelity and take other appropriate
     action to include, exclude, or remove group members or former group members
     from the Plan.

4.   CONVERSION METHOD/TRANSITION PERIOD: An existing Employer plan converting
     to Fidelity shall be subject to transition period to facilitate the
     movement of Participant records and Plan assets from the prior recordkeeper
     and/or trustee to a Fidelity. The responsibilities of the Parties, the
     procedures for the conversion, and the duration of the transition period
     are dependent upon the conversion method(s) selected by the Employer in the
     separate Conversion Strategy Agreement and are subject to the conditions
     and limitations contained therein.

06359                                                e401k(SM) Service Agreement
Version 4/2002                                                          08/15/02
                 (C) 2002 Fidelity Management & Research Company

                                        5
<Page>

                    ARTICLE II. TERMS AND CONDITIONS (CONT.)

5.   INVESTMENTS: Fidelity shall have no discretion or authority with respect to
     the investment of the Plan assets but shall act solely as a directed
     trustee of the contributed funds. All Plan assets must be invested in the
     Permissible Investments identified in Appendix A and are subject to the
     terms and conditions contained therein.

     Forfeitures held by the Plan prior to application and contributions
     received by Fidelity as to which investment instructions have not been
     provided shall be invested in the Permissible Investment selected by the
     Employer for such purposes or, absent Employer selection, in the most
     conservative Permissible Investment designated in Appendix A, until
     investment instructions have been received by Fidelity.

6.   EMPLOYER INVESTMENT DIRECTION: Except to the extent necessary to facilitate
     an amendment to the available investment options in Appendix A, or unless
     otherwise provided in the e401k Basic Plan Document, Adoption Agreement,
     Conversion Strategy Agreement or any Appendix attached to this Agreement,
     Employers shall not be allowed to direct the investments of Participant
     accounts.

7.   INVESTMENT DIRECTIONS BY PARTICIPANTS: Each Participant in the Plan shall
     be permitted to direct the investment of his/her individual account balance
     and future contributions among Permissible Investments through Fidelity's
     internet exchange system, except as otherwise provided in the Plan and this
     Agreement, including any Appendices. The frequency of changes in
     investments shall be determined under the rules applicable to the
     Permissible Investments. Except as otherwise provided in this Agreement,
     including any Appendices, a proper exchange request received by Fidelity
     prior to the closing of the New York Stock Exchange shall be effective on
     that day. The Employer hereby directs Fidelity to act upon such directions
     without questioning the authenticity of the direction other than as
     provided in this section. A Participant shall be required to provided
     his/her Social Security Number and personal identification number. Only
     authorized Plan contacts and the Participant shall have access to a
     Participant's account.

8.   RELIANCE AND INDEMNIFICATION: Fidelity may rely upon and act upon any
     writing or any other medium acceptable to Fidelity, including but not
     limited to electronic medium, from any person authorized by the Employer to
     give instructions concerning the Plan and may conclusively rely upon and be
     protected in acting upon any written or electronic order from the Employer
     or upon any other notice, request, consent, certificate, or other
     instructions or paper reasonably believed by it to have been executed by a
     duly authorized person, so long as it acts in good faith in taking or
     omitting to take any such action. Fidelity need not inquire as to the basis
     in fact of any statement in writing received from the Employer. Fidelity
     shall be entitled to reasonably rely upon the information provided by the
     Employer in performance of its duties hereunder. Unless resulting from
     Fidelity's negligence or willful misconduct, the Employer shall indemnify
     and save harmless Fidelity from any and all liabilities and expenses,
     including without limitation, reasonable attorney's fees incurred or
     required to be paid by Fidelity in connection with the Plan.

     Notwithstanding anything in this Agreement to the contrary and subject to
     the provisions of the attached Appendices to this Agreement, (i) any
     direction, notice or other communication provided to the Employer or
     Fidelity by another party required to be in writing by the Plan or this
     Service Agreement, (ii) any service provided under this Agreement requiring
     or utilizing written information, or (iii) any written communication or
     disclosure to Participants required by the Plan or this Service Agreement
     may be provided through any medium that is permitted under applicable law
     or regulation and, to the extent so allowed, will no longer require any
     writing to which reference is made in this Agreement.

06359                                                e401k(SM) Service Agreement
Version 4/2002                                                          08/15/02
                 (C) 2002 Fidelity Management & Research Company

                                        6
<Page>

                    ARTICLE II. TERMS AND CONDITIONS (CONT.)

9.   FEES: As consideration for its services, under this Agreement, Fidelity
     shall be entitled to the fees in accordance with Article I, this Article
     II, and any Appendices or amendments to this Agreement. Fees shall be
     billed to the Employer or charged to Participant accounts as indicated. The
     Employer is responsible for determining whether any fees paid from Plan
     assets are reasonable expenses of administering the Plan as required by the
     Employee Retirement Income Security Act of 1974, as amended ("ERISA"). Fees
     charged to Participant accounts shall be charged as a flat dollar amount to
     all Participants unless otherwise indicated or directed by the Employer. A
     reasonable additional fee shall be charged if Fidelity has to reprocess any
     contribution data transmission due to excessive errors of the Employer or
     its payroll vendor. Fidelity shall be entitled to reasonable compensation
     for its extraordinary costs and expenses incurred in either the termination
     of this Agreement or a change in the Implementation date of this Agreement.
     In the event the Employer terminates this Contract before the second
     anniversary of the Implementation Date, Fidelity reserves the right to
     charge a termination fee equal to the Annual Service Fees specified in
     Article I determined as of the date of termination.

     The Implementation Services fees in Article I shall be billed with the
     initial invoice generated by Fidelity. The Trustee and Administrative
     Services fees in Article I shall become effective as of the Implementation
     Date. Except as otherwise indicated, all other fees under this Agreement,
     including any Appendices, shall become effective as of the Implementation
     Date. Unless otherwise indicated, all Fidelity fees under this Agreement,
     including any Appendices, shall be billed in arrears to the Employer or
     Participants, as applicable, on a quarterly basis during the twelve-month
     annual billing cycle. An Employee is treated as a Participant for purposes
     of the annual per-participant Administrative Services fee if he/she has an
     account balance on any day in the twelve-month annual billing cycle. If
     payment of the aforementioned fees is not received by Fidelity within sixty
     days of receipt of Fidelity's invoice, the fees shall be paid from
     available Plan forfeitures or shall be charged against the respective
     accounts of all Participants in such reasonable manner as the Trustee may
     determine.

     Fidelity may charge a separate Conversion Fee if the Employer acquires
     another Company and merges the acquired Company's plan with its Plan or
     receives additional assets for its Plan. The Conversion Fee shall be
     determined after the relevant information has been received by Fidelity,
     and it shall be communicated to the Employer prior to the conversion.

10.  DURATION AND AMENDMENT: This Agreement shall remain in effect for the
     remainder of the current calendar year and shall thereafter be
     automatically extended for successive one-year terms. Either party, by
     sixty days prior written notice to the other, may terminate this Agreement.
     The receiving party may agree to a shorter notice period. Notwithstanding
     anything to the contrary in this Agreement, Fidelity may alter the
     provisions of this Agreement by giving the Employer written notice of the
     alteration in accordance with Section 8 hereof at least sixty days prior to
     the effective date of the change.

11.  SERVICE PROVIDERS: Fidelity Management Trust Company is the
     non-discretionary Trustee of the Employer's Plan under the e401k(SM)
     Profit Sharing /401(k) Plan. Fidelity may use its affiliates in providing
     the services described in this Agreement.

12.  CONSTRUCTION AND INTERPRETATION: This agreement shall be construed in
     accordance with the laws of the Commonwealth of Massachusetts except to the
     extent such laws are superseded by Section 514 of ERISA. Unless defined
     herein or a different meaning is clearly required by the context,
     capitalized terms shall have the meanings set forth in the Plan.

06359                                                e401k(SM) Service Agreement
Version 4/2002                                                          08/15/02
                 (C) 2002 Fidelity Management & Research Company

                                        7
<Page>

                             ADDITIONAL INFORMATION

      The Billing and Additional information provided below assists in the
              implementation and servicing of the Employer's Plan.

     1.   ADDITIONAL INFORMATION

          PRIOR RECORDKEEPER: __________________________________________________

          Contact Name/Title/Telephone Number:

          ______________________________________________________________________
          Address:

          ______________________________________________________________________
                                            (Street)

          ______________________________________________________________________
                     (City)                 (State)                   (Zip Code)

          PRIOR TRUSTEE: _______________________________________________________

          Contact Name/Title/Telephone Number:

          ______________________________________________________________________
          Address:

          ______________________________________________________________________
                                            (Street)

          ______________________________________________________________________
                     (City)                 (State)                   (Zip Code)

          PRIOR CUSTODIAN: _____________________________________________________
          (IF NOT TRUSTEE)

          Contact Name/Title/Telephone Number:

          ______________________________________________________________________
          Address:

          ______________________________________________________________________
                                            (Street)

          ______________________________________________________________________
                     (City)                 (State)                   (Zip Code)

06359                                                e401k(SM) Service Agreement
Version 4/2002                                                          08/15/02
                 (C) 2002 Fidelity Management & Research Company

                                        8
<Page>

                               SPECIMEN SIGNATURES

At least one person is required to be authorized to provide instructions to
Fidelity Management Trust Company regarding the e401k(SM) Profit Sharing/401(k)
Plan account. Only the following person(s) designated below is/are authorized to
advise Fidelity on all plan administrative matters:

NAME & TITLE                                        SPECIMEN SIGNATURE

Mark Cox
----------------------------------------            ----------------------------

CFO
----------------------------------------

----------------------------------------            ----------------------------

----------------------------------------

----------------------------------------            ----------------------------

----------------------------------------

----------------------------------------            ----------------------------

----------------------------------------

PROCEDURE FOR CHANGING SPECIMEN SIGNATURES:

The specimen signatures can be changed by the Employer at any time. To add a new
authorized signer or delete an existing authorized signer, the Employer must
complete the Specimen Signature Amendment form supplied Fidelity. The Employer
must provide any change at least ten business days prior to the date the change
shall become effective.

                          INVESTMENT LITERATURE CONTACT

The Administrator designated in the Plan is the Named Fiduciary of the Plan. The
individual designated below shall receive on behalf of the Named Fiduciary
prospectuses and annual and semi-annual reports pertaining to the Permissible
Investment options of the Plan.

________________________________________________________________________________
(Name)

________________________________________________________________________________
(Title)

________________________________________________________________________________
(Address Line 1)

________________________________________________________________________________
(Address Line 2)

________________________________________________________________________________
(City)                                  (State)              (Zip)

06359                                                e401k(SM) Service Agreement
Version 4/2002                                                          08/15/02
                 (C) 2001 Fidelity Management & Research Company

                                        9
<Page>

                        EXECUTION PAGE (EMPLOYER'S COPY)

This execution page will be for your records. Please return both the Employer's
and Fidelity's copies (next page). Fidelity will supply the Employer an original
                         copy once executed by Fidelity.

This Agreement shall be effective upon execution by the both parties. By
executing this Agreement, the parties agree to terms and conditions contained in
the Agreement and the following attached Appendices:

<Table>
<Caption>
                                                         ORIGINAL
     SERVICE AGREEMENT                                 EFFECTIVE DATE         REVISION DATE(S)
     -----------------                                 --------------         ----------------
     <S>                                               <C>                    <C>
     Article I - Fees
     Article II - Terms and Conditions
     Appendix A - Plan Investment Options
     Appendix B - Enrollment and Education Services
     Appendix C - Contribution Processing
     Appendix D - Loans and Withdrawals
     Appendix E - Compliance Services
     Appendix F - Miscellaneous
</Table>

In witness whereof, the parties hereto have caused this Agreement to be executed
by their duly authorized officers.

EMPLOYER:                                           EMPLOYER:

-----------------------------------                 ----------------------------
(Signature)                                         (Signature)

-----------------------------------                 ----------------------------
(Print Name)                                        (Print Name)

-----------------------------------                 ----------------------------
(Title)                                             (Title)

-----------------------------------                 ----------------------------
(Date)                                              (Date)

NOTE: Only one authorized signature is required to execute this Agreement unless
      the Employer's corporate policy mandates multiple authorized signatures.

FIDELITY MANAGEMENT TRUST COMPANY:

-----------------------------------
(Signature)

-----------------------------------
(Print Name)

-----------------------------------
(Title)

-----------------------------------
(Date)

06359                                                e401k(SM) Service Agreement
Version 4/2002                                                          08/15/02
                 (C) 2001 Fidelity Management & Research Company

                                       10
<Page>

                        EXECUTION PAGE (FIDELITY'S COPY)

This execution page will be for Fidelity's records. Please send both Fidelity's
and the Employer's copies (previous page). Fidelity will supply the Employer an
                    original copy once executed by Fidelity.

This Agreement shall be effective upon execution by both parties. By executing
this Agreement, the parties agree to terms and conditions contained in the
Agreement and the following attached Appendices:

<Table>
<Caption>
                                                         ORIGINAL
     SERVICE AGREEMENT                                 EFFECTIVE DATE         REVISION DATE(S)
     -----------------                                 --------------         ----------------
     <S>                                               <C>                    <C>
     Article I - Fees
     Article II - Terms and Conditions
     Appendix A - Plan Investment Options
     Appendix B - Enrollment and Education Services
     Appendix C - Contribution Processing
     Appendix D - Loans and Withdrawals
     Appendix E - Compliance Services
     Appendix F - Miscellaneous
</Table>

In witness whereof, the parties hereto have caused this Agreement to be executed
by their duly authorized officers.

EMPLOYER:                                           EMPLOYER:

-----------------------------------                 ----------------------------
(Signature)                                         (Signature)

-----------------------------------                 ----------------------------
(Print Name)                                        (Print Name)

-----------------------------------                 ----------------------------
(Title)                                             (Title)

-----------------------------------                 ----------------------------
(Date)                                              (Date)

NOTE: Only one authorized signature is required to execute this Agreement unless
      the Employer's corporate policy mandates multiple authorized signatures.

FIDELITY MANAGEMENT TRUST COMPANY:

-----------------------------------
(Signature)

-----------------------------------
(Print Name)

-----------------------------------
(Title)

-----------------------------------
(Date)

06359                                                e401k(SM) Service Agreement
Version 4/2002                                                          08/15/02
                 (C) 2001 Fidelity Management & Research Company

                                       11
<Page>

                      APPENDIX A - PLAN INVESTMENT OPTIONS

    This appendix lists the fund name and fund number of the Plan investment
                                    options.

Participant Accounts under the Trust shall be invested among the Permissible
investment options listed below pursuant to Participant and/or Employer
directions and pursuant to the conditions and limitations contained in this
Appendix A. Unless specifically indicated otherwise within this Appendix A,
Appendix F, or an amendment to this Agreement, purchases, sales and exchanges of
each Permissible Investment option are controlled by that Permissible
Investment's prospectus or other governing document(s).

                                e401k FUND LINEUP

<Table>
<Caption>
          Fidelity Fund Name                             Fund Number
          ------------------                             -----------
          <S>                                               <C>
          Fidelity Retirement Money Market Portfolio        0630
          Fidelity Intermediate Bond Fund                   0032
          Fidelity Investment Grade Bond Fund               0026
          Fidelity Puritan(R) Fund                          0004
          Fidelity Equity-Income Fund                       0023
          Fidelity Equity-Income II Fund                    0319
          Fidelity Fund                                     0003
          Fidelity Dividend Growth Fund                     0330
          Fidelity Blue Chip Growth Fund                    0312
          Fidelity Growth Company Fund                      0025
          Fidelity Large Cap Stock Fund                     0338
          Fidelity Mid-Cap Stock Fund                       0337
          Fidelity Value Fund                               0039
          Fidelity Aggressive Growth Fund                   0324
          Fidelity Low-Priced Stock Fund                    0316
          Fidelity OTC Portfolio                            0093
          Fidelity Fifty                                    0500
          Fidelity Diversified International Fund           0325
          Fidelity Overseas Fund                            0094
          Spartan(R) Total Market Index Fund                0397
          Fidelity Freedom 2000 Fund(R)                     0370
          Fidelity Freedom 2010 Fund(R)                     0371
          Fidelity Freedom 2020 Fund(R)                     0372
          Fidelity Freedom 2030 Fund(R)                     0373
          Fidelity Freedom Income Fund(R)                   0369
</Table>

The Employer may not add to or delete from the funds present in the e401k Fund
Lineup. The Employer understands that a choice can be made at any time to change
from using the e401k Plan and its Fund Lineup to another Fidelity plan. The
Employer agrees that any change of Fidelity plan platform will be effective as
soon as administratively feasible for Fidelity (after the Employer and Fidelity
have executed all appropriate documentation to reflect such change) and that the
Employer will communicate to participants the date and consequences of such
change. The Employer hereby directs Fidelity to add or remove as Permissible
Investments for the Plan those funds being added to or removed from the e401k
Fund Lineup. Fidelity shall always give the Employer at least 90 days notice in
advance of the date that funds available through the e401k Fund Lineup will
change and the Employer has until 30 days before the date of such change to
direct Fidelity to change Fidelity plan platform for the Plan to avoid the
application of the fund change. In addition, the Plan is intended to constitute
a plan described in ERISA Section 404(c) and regulations issued thereunder. The
Employer hereby acknowledges that it is solely responsible for the selection and
monitoring of the Permissible Investments under the Plan.

06359                                                e401k(SM) Service Agreement
Version 4/2002                                                          08/15/02
                 (C) 2001 Fidelity Management & Research Company

                                       A-1
<Page>

                  APPENDIX B-ENROLLMENT AND EDUCATION SERVICES

This appendix describes the enrollment and education services for the Employer's
                                     Plan.

Fidelity shall provide Enrollment and Education Services as provided in Article
I and as outlined in this Appendix B.

1.   ENROLLMENT AND EDUCATIONAL SERVICES

  a. Plan Participants will be provided access to Fidelity Portfolio
     Planner(SM), an internet-based educational service for Participants that
     generates target asset allocations and recommended model portfolios
     customized to investment options in the Plan based on methodology provided
     by Strategic Advisors, Inc., an affiliate of Fidelity. The Employer
     acknowledges that it has received the ADV Part II for Strategic Advisors,
     Inc. more than 48 hours prior to executing this Appendix.

  b. The Employer will provide Fidelity with accurate and complete data on a
     timely basis in accordance with specifications provided by Fidelity.
     Employee data on all potentially Eligible Employees must be provided to
     Fidelity prior to each such employee's eligibility date. For plans
     converting to Fidelity all Eligible Employee information must be entered
     prior to the implementation of the plan. Fidelity will not be responsible
     for any losses and / or expenses that arise due to the submission of
     incorrect or incomplete data, or data transmitted to Fidelity in an
     improper format.

  c. Using the information provided by the Employer, Fidelity will provide an
     estimate of the initial eligible entry date for Employees based on Plan
     design and assumed achievement of some Plan eligibility variables. Fidelity
     does not represent, warrant, guarantee or certify that such estimates are
     accurate. The Employer agrees that Fidelity has no responsibility for any
     such estimates. The Employer agrees to verify the accuracy of such
     estimates and to notify Fidelity of the correct eligibility date if such
     estimates are incorrect.

  d. The Employer hereby authorizes Fidelity to use the eligibility dates on
     record for performing certain Nondiscrimination Tests as outlined in
     Appendix E and indemnifies Fidelity for any inaccurate results that may
     result from the use of such estimates.

  e. Plan Participants will be provided educational and informational materials
     about integrated Fidelity investment opportunities through the Fidelity
     Employee Investment Services program.

  f. Fidelity will provide statements to participants exclusively through
     Automated Channels (Net Benefits(SM) or any other service subsequently
     employed by Fidelity to facilitate electronic plan administration).

2.   AUTO ENROLLMENTS

     Fidelity shall provide Automated Enrollments in accordance with and subject
     to the terms and conditions of this Section:

  a. The Employer shall provide Fidelity with the appropriate Participant data
     in an acceptable format prior to the date Employees become eligible to
     participate in the Plan, or if converting to Fidelity, prior to the
     implementation of the plan. Failure to provide timely, complete, and
     accurate data shall delay Participants' ability to make investment
     elections.

  b. The Employer shall be responsible for notifying Participants of the
     eligibility requirements and enrollment procedures for the Plan.

06359                                                e401k(SM) Service Agreement
Version 4/2002                                                          08/15/02
                 (C) 2001 Fidelity Management & Research Company

                                       B-1
<Page>

             APPENDIX B- ENROLLMENT AND EDUCATION SERVICES (CONT..)
This appendix describes the enrollment and education services for the Employer's
                                      Plan.

  c. Participants shall be eligible to communicate their initial investment
     elections and contribution elections by NetBenefits(SM) (or any other
     service subsequently employed by Fidelity to facilitate electronic plan
     administration) virtually 24 hours a day. Participants shall direct the
     investment of their future contributions. Investment elections shall not
     apply to employees making rollover contributions as they must complete a
     Rollover Contribution Form to indicate their investment elections.

  d. Participants who fail to use NetBenefits(SM) to establish their investment
     elections shall have their future contributions invested in the default
     investment option. For Participants who fail to use NetBenefits(SM) to
     establish their contribution election(s) within the required time period,
     contributions to their account will be invested pursuant to Article II
     section 5 of this Service Agreement.

  e. If the Plan is an existing Plan converted to Fidelity, the initial
     statement provided by Fidelity to Participants shall reflect the
     Participant's conversion account balance as provided to Fidelity from the
     prior recordkeeper and the applicable earnings allocated to their account
     during the conversion process. Each statement shall contain the following
     message: Your conversion account balance and future contributions have been
     invested based on your investment elections (s) provided to Fidelity
     through NetBenefits(SM). If you failed to contact Fidelity during the
     enrollment period, then your conversion account balance was invested in the
     Plan's default investment option.

  f. Fidelity shall provide the Employer with a report identifying Participants
     who requested contribution election changes on a monthly or less frequent
     basis.

     Fidelity does not warrant, guarantee or certify that the above described
     service in any way supplements, supercedes, or complies with any state law
     requirements surrounding the need to obtain permission to deduct or
     withhold amounts from an employee's paycheck.

06359                                                e401k(SM) Service Agreement
Version 4/2002                                                          08/15/02
                 (C) 2001 Fidelity Management & Research Company

                                       B-2
<Page>

                       APPENDIX C-CONTRIBUTION PROCESSING

This appendix describes the contribution processing services for the Employer's
                                      Plan.

Fidelity shall provide contribution processing services as outlined in this
Appendix C. Contributions are subject to the terms and conditions contained
herein.

1.   The Employer shall be responsible for calculating and effecting Participant
     and Employer contributions to the Plan and transmitting such contributions
     and associated contribution data to Fidelity within legal time limits.

2.   The Employer must consolidate all contribution data and loan repayment
     information for multiple payroll cycles and / or multiple sites into one
     transmission. Contribution data shall be received by Fidelity via Plan
     Sponsor Webstation(R) ("PSW"), or other medium permitted by Fidelity, in
     the manner specified. The Employer's computer system must meet certain
     minimum specifications to enable this service.

3.   Following the receipt of contribution and/or loan repayment data in good
     order (as determined by Fidelity), Fidelity shall, through Automated
     Clearing House ("ACII"), request an electronic funds transfer from the
     account the Employer has specified in the Service Setup Form.

4.   Notwithstanding section 3 contained herein, Fidelity may allow the Employer
     to wire transfer contributions according to instructions provided by
     Fidelity conditioned that the contribution data is reviewed by a Fidelity
     representative prior to the initiation of the transfer. Fidelity reserves
     the right to require Employers to wire transfer any contribution if an ACH
     transfer is rejected. Unsolicited or improperly formatted transfers may not
     be invested until properly identified and reconciled.

5.   Should the Employer contract with Fidelity or any of it's affiliates to
     perform payroll services, sections 2, 3 and 4 of this Appendix C are
     superceded to the extent that such agreement to provide payroll services
     contains provisions specifically addressing the funding of contributions to
     the Trust.

6.   In the event that Fidelity, or any of its affiliates, provides tools or
     services to assist the Employer with the calculation of the Employer's
     Matching Employer Contribution and/or Nonelective Employer Contribution,
     Fidelity does not represent, warrant, guarantee or certify that such
     calculations are accurate. The Employer agrees that Fidelity has no
     responsibility for any such calculations.

06359                                                e401k(SM) Service Agreement
Version 4/2002                                                          08/15/02
                 (C) 2001 Fidelity Management & Research Company

                                       C-1
<Page>

                        APPENDIX D-LOANS AND WITHDRAWALS
  This appendix describes the loan and withdrawal services for the Employer's
                                     Plan.

1.   LOANS

Loans from the Plan shall be processed in accordance with the provisions of the
Plan, Article I and this Appendix D. Fidelity shall provide loan processing
services subject to the terms and conditions of Article I and this Appendix D.
This Appendix D includes the Loan Policy adopted in accordance with the Plan.
All other provisions governing Participant loans are included in the Plan. This
Appendix D is effective for loans made on or after the Effective Date of the
e40lk(SM) Profit Sharing /401(k) Plan. Subject to paragraph g. below, other
loans made under the Plan shall continue under their existing terms until they
are repaid.

  a. ADMINISTRATION-The Employer shall act as Fidelity's agent in collecting and
     remitting all principal and interest payments to Fidelity, and keeping the
     proceeds of such loan repayments separate from the other assets of the
     Employer and clearly identifying such assets as Plan assets.

     All Participant loans shall be considered pre-approved by the Employer and
     there shall not be any advance notification to the Employer of any
     Participant loan. The Participant shall use NetBenefits(SM), or any other
     service subsequently employed by Fidelity to facilitate electronic plan
     administration) to apply for a loan, Participant loan requests that cannot
     be serviced via Automated Channels shall be referred to the Employer for
     assistance. Plans converting to e401k(SM) Profit Sharing /401(k) Plan must
     provide the highest outstanding loan balance(s) in the twelve months prior
     to the conversion date. If the Employer fails to provide this information,
     the Employer shall review and approve all loan requests via Plan Sponsor
     Webstation(R), or any other service subsequently employed by Fidelity to
     facilitate electronic plan sponsor administration, hereinafter PSW, for the
     first twelve months of the Plan's administration under e401k(SM) Profit
     Sharing /401(k) Plan.

     Notwithstanding anything to the contrary in this Appendix D, loans that are
     subject to Spousal consent shall not be considered pre-approved, the
     Employer shall review and approve all such loan requests via PSW.

  b. APPLICATION PROCEDURE-To originate a Participant loan, the Participant
     shall direct Fidelity as to the term and amount of the loan to be made from
     his/her account. Such directions shall be made by use of the Automated
     Channels maintained for such purpose by Fidelity or its agent. The
     Automated Channels shall determine, based on the current value of the
     Participant's account on the date of the request and any guidelines
     provided by the Employer, the amount available for the loan. Based on the
     interest rate supplied by the Employer in accordance with the terms of the
     Plan, the Automated Channels shall advise the Participant of such interest
     rate, as well as the installment payment amounts. Fidelity shall distribute
     the loan note with the proceeds check directly to the Participant. Fidelity
     shall also distribute the required Truth-In-Lending disclosures if
     applicable, to the Participant. To facilitate recordkeeping, Fidelity may
     destroy the original of any promissory note made in connection with a loan
     to a Participant under the Plan, provided that Fidelity first creates a
     duplicate by a photographic optical scanning or other process. The
     duplicate shall yield a reasonable facsimile of the promissory note and the
     Participant's signature thereon. The duplicate may be reduced or enlarged
     in size from the actual size of the original promissory note.

  c. CONDITIONS AND LIMITATIONS-

     i.   Minimum Principal Amount. The minimum principal amount of any loan is
          $1,000.

06359                                                e401k(SM) Service Agreement
Version 4/2002                                                          08/15/02
                 (C) 2001 Fidelity Management & Research Company

                                       D-1
<Page>

                    APPENDIX D-LOANS AND WITHDRAWALS (CONT.)

  This appendix describes the loan and withdrawal services for the Employer's
                                     Plan.

     ii.  Duration. The repayment period of any loan shall be no more than five
          years unless such loan is for the purchase of a Participant's primary
          residence, in which case the repayment period may not extend beyond
          ten years from the date of the loan. A loan becomes immediately due
          and payable upon a Participant's termination of employment, death or
          disability.

     iii. Sources. The Administrator may provide that loans only be made from
          certain contribution sources within Participant Account(s) by
          notifying the Trustee in writing of the restricted source.

     iv.  Purpose: A loan will be granted for any general purpose.

     v.   Repayment Method. A loan to an Employee shall be repaid at least
          quarterly by payroll. If repayment is not made by payroll deduction, a
          loan shall be repaid by the Employee to the Employer. Loan repayments
          are forwarded to Fidelity, by the Employer, in the same manner and
          frequency as contributions.

     vi.  Outstanding Loans. A Participant may have only one outstanding loan at
          a time. A Participant with an existing loan may not apply for another
          loan until the existing loan is paid in full. Also, a Participant may
          not (1) refinance an existing loan, (2) apply for an additional loan
          for the purpose of paying off an existing loan, or (3) apply for more
          than one loan during such plan year.

  d. INTEREST RATE - Using PSW, the Employer shall determine, communicate and
     update as appropriate a reasonable rate of interest based on the prevailing
     interest rates charged by persons in the business of lending money for
     loans which would be made under similar circumstances. The interest rate
     shall remain fixed throughout the duration of the loan.

  e. PREPAYMENT - A Participant may prepay the entire outstanding loan balance
     prior to maturity without penalty.

  f. DEFAULT - A Participant's loan shall be considered in default at the end of
     the calendar quarter following a calendar quarter (end of the "cure
     period") for which there is outstanding any part of any payment due
     (principal or interest). The Employer agrees to provide to Fidelity
     information regarding the status of participants relating to loan
     repayments. Fidelity agrees to provide the Employer with information
     regarding the repayment status of outstanding loans and thereafter to
     provide notices to Participants regarding late, missing or insufficient
     payments relating to loans they have outstanding. The Employer hereby
     directs Fidelity to default loans of Participants, in accordance with the
     Plan, after Participants have defaulted by the terms of their loans, but in
     no event later than the date legally required. Notwithstanding the above,
     based upon the information Fidelity has provided regarding the repayment
     status of outstanding loans, the Employer may direct Fidelity not to
     provide notices of delinquency for specific Plan Participants, however, an
     Employer cannot direct Fidelity to delay the loan default.

  g. PRE-EXISTING LOANS - Loans existing prior to the Effective Date of the
     e401k(SM) Profit Sharing/401(k) Plan shall continue under their existing
     terms until repaid. However, Fidelity shall not accept any pre-existing
     loans that require fedelity to hold as security for the loan property other
     than the Participant's vested account.

  h. FEES - Loan Set-Up fees shall be billed or charged in full on the first
     invoice date following origination of the loan.

06359                                                e401k(SM) Service Agreement
Version 4/2002                                                          08/15/02
                 (C) 2001 Fidelity Management & Research Company

                                       D-2
<Page>

                    APPENDIX D-LOANS AND WITHDRAWALS (CONT.)
  This appendix describes the loan and withdrawal services for the Employer's
                                     Plan.

2.   PARTICIPANT WITHDRAWALS

     Participant withdrawals and distributions shall be processed in accordance
     with the provisions of the Plan and subject to the following terms and
     conditions:

  a. Except as indicated herein, the Employer hereby directs Fidelity that all
     Participant withdrawals shall be considered pre-approved by the Employer
     and there shall not be any advance notification to the Employer of any
     Participant withdrawal.

  b. Participants shall use Automated Channels (NetBenefits(SM) or any other
     service subsequently employed by Fidelity to facilitate electronic plan
     administration) to request withdrawals. Participant withdrawals that cannot
     be serviced via the Automated Channels shall be referred to the Employer
     for assistance. The Employer understands that currently certain types of
     withdrawals cannot be completed through Automated Channels and agrees that
     Fidelity may expand the Automated Channels service to include those types
     of withdrawals by giving notice (which may be an electronic transmission)
     to the Employer in advance. The Employer is responsible for updating the
     status code, termination date, and hire date for participants via Plan
     Sponsor Webstation(R) (PSW), or other agreed upon transmission.

  c. Participant withdrawals shall be processed any business day during any
     month except, that no withdrawals shall be processed from December 15
     through January 1. The Automated Channels shall determine the amount
     available for withdrawal based on the current value of the Participant's
     Account on the date of the request and any guidelines provided by the
     Employer. The vested percentage on Fidelity's Participant Recordkeeping
     System (FPRS) shall be used to process the distribution. Fidelity shall
     distribute withdrawals directly to Participants based upon the addresses of
     record.

  d. The Employer shall review and approve withdrawal requests via PSW only for
     such distributions requiring approval or verification of the Plan
     Administrator. The following distributions are among those requiring
     approval through PSW:

          i.  withdrawals subject to Spousal consent
          ii. hardship withdrawals

06359                                                e401k(SM) Service Agreement
Version 4/2002                                                          08/15/02
                 (C) 2001 Fidelity Management & Research Company

                                       D-3
<Page>

                        APPENDIX E - COMPLIANCE SERVICES
 This appendix describes the Nondiscrimination Testing and Form 5500 Reporting
                       services for the Employer's Plan.

     NOT SELECTED.

06359                                                e401k(SM) Service Agreement
Version 4/2002                                                          08/15/02
                 (C) 2001 Fidelity Management & Research Company

                                       E-1<Page>

                                                                    EXHIBIT 10.3

[PRESBY CORP LETTERHEAD]

                                Date: May 5, 1999

CONFIDENTIAL

Mr. C. Daniel Myers
Executive Vice President
CIBA Vision Corporation
11460 Johns Creek Parkway
Duluth, GA 30097

Dear Mr. Myers:

          In connection with your interest in a possible transaction (the
"Proposed Transaction"), that may involve one or more products or services
developed or created by RAS Holding Corp or its subsidiaries, Presby Corp, PC
Lens Corp, and Medical Internet Technologies, Inc. (together "the Companies"),
we will furnish to you, upon your execution and delivery to us of this letter
agreement, certain information developed or created by or relating to the
Companies.

          As used in this letter agreement, the term "Proprietary Information"
means all information developed or created by or relating to the Companies,
including but not limited to, any patentable inventions and original works of
authorship, such as computer software, customer lists, specifications, business
or financial plans, financial data, trade secrets, and the like, which is
furnished by us or our Representatives (as defined below), except information
which (a) is or becomes generally available to the public other than as a result
of disclosure by you or your Representatives in violation of this agreement, (b)
was available to you on a nonconfidential basis prior to its disclosure by us or
our Representatives or (c) becomes available to you on a nonconfidential basis
from a person or entity other than us or our Representatives who is not
otherwise prohibited from disclosing such information to you by a legal,
contractual or fiduciary obligation to us. As used in this letter agreement, the
term "Representative" means, with respect to a specified person or entity, such
person's or entity's affiliates, directors, officers, employees, agents, and
advisors (including, without limitation, financial advisors, counsel, and
accountants.

          You shall (i) inform your Representatives of the terms and conditions
of this letter agreement, (ii) obtain the agreement of your Representatives to
be bound by the terms and conditions hereof, and (iii) remain responsible for
any breach of this letter agreement by your Representatives.

          Subject to the next paragraph and except as required by law, judicial
or governmental order, discovery request, or other legal process or
pronouncement, you agree (a) to keep all Proprietary Information confidential
and not to disclose or reveal any

<Page>

[PRESBY CORP LOGO]

Proprietary Information to any person or entity other than your Representatives,
(b) to refrain from using Proprietary Information for any purpose other than in
connection with your evaluation or implementation of the Proposed Transaction
and (c) to refrain from disclosing to any person or entity (other than your
Representatives) the existence of or any information about the Proposed
Transaction, or the terms or conditions relating thereto.

          In the event you are requested pursuant to, or required by, applicable
law or regulation or by legal process to disclose any Proprietary Information,
you agree that you will provide us with reasonably prompt notice of such request
or requirement in order to enable us to seek an appropriate protective order or
other remedy, to consult with you with respect to our taking steps to resist or
narrow the scope of such request or legal process, or to waive compliance, in
whole or in part, with the terms of this letter agreement. In any such event you
will, at our request and expense, reasonably cooperate with our efforts to
ensure that all Proprietary Information that is so disclosed will be accorded
confidential treatment.

          You and we agree that until a definitive agreement relating to the
Proposed Transaction has been executed by you and us (except as expressly
provided in this letter agreement), neither we nor any of our Representatives,
nor you or any of your Representatives are under any legal obligation and shall
have no liability of any nature whatsoever with respect to the Proposed
Transaction by virtue of this letter agreement or otherwise.

          If at any time you decide that you do not wish to continue discussions
with the Companies or proceed with the Proposed Transaction, you will promptly
inform the Companies of that decision. In that case, or at any time upon the
request of the Companies for any reason, you will promptly deliver to The
Companies all documents (and all copies thereof) furnished to you or your
Representatives by or on behalf of the Companies pursuant hereto. In the event
of such a decision or request, all other Proprietary Information prepared by you
or your Representatives shall be destroyed and no copy thereof shall be retained
by you or your Representatives. Notwithstanding the return or destruction of the
Proprietary Information, you and your Representatives will continue to be bound
by your obligations of confidentiality and other obligations hereunder.

          You agree that money damages would not be sufficient remedy for any
breach of this agreement by you or your Representatives and that in addition to
all other remedies the Companies shall be entitled to specific performance and
injunctive or other equitable relief as a remedy for any such breach. If you or
your Representatives breach this agreement, then you or your Representatives
will reimburse the Companies for its reasonable costs and expenses in connection
therewith.

          This letter agreement shall be governed by and construed in accordance
with the laws of the State of New York applicable to contracts executed in and
to be performed in that State.

                                   Page 2 of 3
<Page>

[PRESBY CORP LOGO]

          This letter agreement contains the entire agreement between you and us
concerning confidentiality of the Proprietary Information, and no modification
of this letter agreement or waiver of the terms and conditions hereof shall be
binding upon you or us, unless approved in writing by each of you and us.

          Please confirm your agreement with the foregoing by signing and
returning to the undersigned a copy of this letter agreement.

                                          Very truly yours,

                                          RAS Holding Corp

                                          By: /s/ Mark A. Cox
                                             ---------------------------------

                                          Name:  Mark A. Cox

                                          Title: Vice President, Secretary & CFO

Accepted and Agreed as of
the date first written above:

By: /s/ C. Daniel Myers
    ----------------------------

Name:     C. Daniel Myers

Company:  CIBA Vision Corporation

                                   Page 3 of 3

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