PEPSIAMERICAS INC/IL/
PEPSIAMERICAS, INC. SUPPLEMENTAL PENSION PLAN
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<TYPE>EX-10
<SEQUENCE>4
<FILENAME>exhibit10-5.htm
<DESCRIPTION>PEPSIAMERICAS, INC. SUPPLEMENTAL PENSION PLAN
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<HEAD><TITLE>Exhibit 10.5 - PepsiAmericas, Inc. Supplemental Pension Plan</TITLE></HEAD>
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        <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><B>Exhibit 10.5</B></FONT></TD>
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        <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=5><B>PepsiAmericas, Inc.<BR>
        Supplemental Pension Plan</B></FONT></TD>
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        <TD><HR SIZE=1 NOSHADE WIDTH=15% ALIGN=CENTER></TD>
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        <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>As Amended and
                Restated Effective January 1, 2001</FONT></TD>
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                <B><U>TABLE OF CONTENTS</U></B></FONT></TD>
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<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>ARTICLE I</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>DEFINITIONS</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
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        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>ARTICLE II</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>PARTICIPATION</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2.1</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Eligibility</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
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        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>ARTICLE III</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>EXCESS RETIREMENT AND DEATH BENEFITS</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>3.1</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Amount of Pension Benefits</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>3.2</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Amount of Survivor Benefits</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
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        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>3.3</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Pre-Effective Date Benefits</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
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        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>3.4</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Benefits Transferred from PEP</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
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        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>3.5</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Freezing of Benefits</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
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        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
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        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>ARTICLE IV</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>VESTING AND FORFEITURES</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
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        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>4.1</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Fully Vested Deferral Accounts</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
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        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>ARTICLE V</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>DISTRIBUTIONS</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>5.1</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Form and Timing of Distributions</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
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        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>5.2</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Procedures for Elections</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
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        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>5.3</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Survivor Benefit</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
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        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>5.4</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Cashout Distributions</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
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        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>5.5</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Prior to 1999</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
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        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>5.6</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Payments of Pension and Survivor
                Benefit Due to an Investment Grade Rating Change</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
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<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>5.7</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Payment of Pension Due to a Change of Control</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>ARTICLE VI</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>AMENDMENT</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
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        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>6.1</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Prior to a Change of Control</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
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        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>6.2</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;After a Change of Control</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
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        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>ARTICLE VII</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>TERMINATION</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
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<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
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        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>ARTICLE VIII</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>ADMINISTRATION</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
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        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>8.1</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Authority to Administer Plan</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
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<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>8.2</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Facility of Payment</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>8.3</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Claims Procedure for Claims Made Prior to January 1, 2002</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>8.4</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Claims Procedure for Claims Made on and after January 1, 2002</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
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        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>8.5</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Notices to Participants, Etc.</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>8.6</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Notices to Benefit Trust Committee</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>ARTICLE IX</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>MISCELLANEOUS PROVISIONS</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9.1</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Expenses</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9.2</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Indemnification and Exculpation</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9.3</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Funding</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9.4</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Corporate Action</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9.5</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Interests not Transferable</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9.6</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Effect on Other Benefit Plans</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9.7</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Legal Fees and Expenses</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9.8</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Deduction of Taxes from Amounts Payable</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9.9</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Facility of Payment</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9.10</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Merger</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
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                <B><U>TABLE OF CONTENTS</U></B><BR>(cont.)</FONT></TD>
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<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9.11</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Gender and Number</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9.12</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Invalidity of Certain Provisions</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9.13</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Headings</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
</TR>
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        <TD ALIGN=LEFT WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9.14</FONT></TD>
        <TD ALIGN=LEFT WIDTH=76%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;Governing Law</FONT></TD>
        <TD ALIGN=RIGHT WIDTH=4%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
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        <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=5><B><U>PepsiAmericas, Inc.
Supplemental Pension Plan</U></B></FONT></TD>
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<TR>
        <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><B>PepsiAmericas,  Inc.</B>,
effective January 1, 2001 ("Effective Date"), adopts and restates the Pepsi-Cola General Bottlers, Inc. Supplemental Pension Plan
("Plan").</FONT></TD>
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<TR>
        <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>As amended and restated, (a) the Plan's new name will be the PepsiAmericas, Inc. Supplemental Pension Plan; and (b) the Plan will
represent a master plan for adoption by participating employers to create a separate plan for its employees.</FONT></TD>
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<TR>
        <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Effective January 1, 2001, the Plan is adopted only by PepsiAmericas, Inc. and Pepsi-Cola General Bottlers, Inc. and its
participating subsidiaries.</FONT></TD>
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<TR>
        <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>This plan is intended, with respect to each participating employer, to be an unfunded, deferred compensation plan for a select group
of management or highly compensated employees, as described in sections 201(2), 301(a)(3), and 401(a)(1) of the Employee Retirement
Income Security Act of 1974 ("ERISA") and in part to be an excess benefit plan described in section 3(36) of ERISA.</FONT></TD>
</TR>
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<TR>
        <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Effective as provided herein, the accruals of all benefits under this Plan are ended December 31, 2001, except as otherwise provided
herein.</FONT></TD>
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<HR SIZE=3 COLOR=GRAY NOSHADE>



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        <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>
                <B>ARTICLE I<BR><BR><U>DEFINITIONS</U></B></FONT></TD>
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        <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following sections of this Article I provide basic definitions of terms used throughout this Plan, and whenever used herein in a
capitalized form, except as otherwise expressly provided, the terms shall be deemed to have the following meanings:</FONT></TD>
</TR>
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        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.1</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Actuarial Equivalent</U>" means an amount equal in value to the benefit replaced as determined (i) in accordance with the terms of the
Pension Plan with respect to the determination of any form of benefit other than a single sum, or (ii) with respect to a single sum
distribution, by: (A) using an assumed annual discount rate equal to the weekly average, as of the last full week of the fourth
calendar month prior to the month containing the date the single sum will be paid, of the Bond Buyer's Average of 20 Municipal Bonds,
rounded to the nearest 1/4%, as published weekly by the Federal Reserve Bank of St. Louis and (B) assuming the payee lives for the
duration of his life expectancy where such life expectancy is calculated according to the UP94 Mortality Table.</FONT></TD>
</TR>
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        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.2</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Advance Election</U>" means a Participant's election to receive his or her Pension Benefit as a Single Lump Sum or an Installment Form
of Payment, made in compliance with the requirements of Section 5.2 of this Plan.</FONT></TD>
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        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.3</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Appendix</U>" means a written supplement attached to this Plan and made a part hereof which has been added in accordance with the
provisions of this Plan.</FONT></TD>
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        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.4</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Beneficiary</U>" means, with respect to the Survivor Benefit payable upon the death of a Participant, any person designated by the
Participant (actually or by default) to receive any Death Benefit which is payable with respect to the death of a Participant under
the Pension Plan.</FONT></TD>
</TR>
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        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.5</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Benefit Trust Committee</U>" means the Benefit Trust Committee appointed pursuant to the terms of the Trust which will have the power to
manage and control the operation and administration of this Plan.</FONT></TD>
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<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.6</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Board of Directors</U>" means the board of directors of the Company or the Parent.</FONT></TD>
</TR>
</TABLE>
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<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.7</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Change of Control</U>" means, determined separately for each Participating Employer, an event which shall be deemed to have occurred if
(i) there shall be consummated (A) any consolidation or merger of the Parent, if one exists, or the Participating Employer in which
either the Parent or the Participating Employer, respectively, is not the continuing or surviving corporation or pursuant to which
shares of the Parent's or the Participating Employer's common stock are converted into cash, securities or other property, other than
a merger in which the holders of the Parent's or the Participating Employer's common stock, respectively, immediately prior to the
merger have substantially the same proportionate ownership of common stock of the surviving corporation immediately after the merger,
or (B) any sale, lease, exchange or other transfer (in one transaction or in a series of related transactions) of all or
substantially all the assets of either the Parent or the Participating Employer, or (ii) the shareholders of either the Parent or the
Participating Employer shall approve any plan or proposal for such corporation's liquidation or dissolution, or (iii) any person (as
such term is used in Sections 13(d) and 14(d)(2) of the Exchange Act, other than the Parent, Participating Employer or their
subsidiaries, or any employee benefit plan sponsored by the Parent, the Participating Employer or their subsidiaries, shall become
the beneficial owner (within the meaning of Rule 13d-3 under the Exchange Act) of securities of either the Parent or the
Participating Employer representing twenty-five percent (25%) or more of the combined voting power of the Parent's or the
Participating Employer's, respectively, then outstanding securities ordinarily (and apart from rights accruing in special
circumstances) having the right to vote in the election of directors, as a result of a tender or exchange offer, open market
purchases, privately negotiated purchases or otherwise, or (iv) at any time during a period of two consecutive years, individuals who
at the beginning of such period constituted the board of directors of the Participating Employer shall cease for any reason to
constitute at least a majority thereof, unless the election or the nomination for election by the Parent's or the Participating
Employer's shareholders, respectively, of each new director during such two-year period was approved by a vote of at least two-thirds
of the directors then still in office who were directors at the beginning of such two-year period; provided however, notwithstanding
(i), (ii), (iii) or (iv) above, the proposed transaction wherein PepsiCo, Inc. would acquire a less than fifty percent (50%) interest
in the common stock of Whitman Corporation or its successor by merger shall not constitute a "Change of Control."</FONT></TD>
</TR>
</TABLE>
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<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.8</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Company</U>" means PepsiAmericas, Inc. or any successor entity by operation of law or any successor entity which affirmatively adopts
the Plan, the Trust and the obligations of PepsiAmericas, Inc. with respect to the Plan and the Trust.</FONT></TD>
</TR>
</TABLE>
<BR>

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<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.9</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Compensation</U>" means, with respect to each Participating Employer, for purposes of computing the Pension Benefit, a Participant's
"Compensation," as defined in the Pension Plan.  Notwithstanding the preceding sentence, Compensation shall be determined</FONT></TD>
</TR>
</TABLE>
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<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(a)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>without regard to the Compensation Limit;</FONT></TD>
</TR>
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<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(b)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>by including a Participant's MIC Award paid or payable during the Plan Year (whether or not payment of all or a portion of the MIC
Award is deferred by the Participant to a later Plan Year) but will not include that portion of an MIC Award plus earnings paid
during the same Plan Year as a result of an earlier election to defer payment of such portion of the MIC Award;</FONT></TD>
</TR>
</TABLE>
<BR>

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<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(c)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2> by including a Participant's LTIP Cash Account paid or payable during the Plan Year (whether or not all or a portion of the LTIP Cash
Account payment is deferred by the Participant to a later Plan Year) but will not include that portion of an LTIP Cash Account plus
earnings paid during the same Plan Year as a result of an earlier election to defer payment of such portion of the LTIP Cash Account;
and</FONT></TD>
</TR>
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<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(d)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2> by including Employee Savings Deferrals deferred during the Plan Year.</FONT></TD>
</TR>
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<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.10</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Compensation Committee</U>" means the Compensation Committee of the Board of Directors.</FONT></TD>
</TR>
</TABLE>
<BR>

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<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.11</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Compensation Limit</U>" means the limitation on the amount of Compensation which may be considered after application of Code section
401(a)(17).</FONT></TD>
</TR>
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<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.12</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Death Benefit</U>" means a
monthly (or single sum) benefit payable to a Beneficiary and determined in accordance with the Pension Plan.</FONT></TD>
</TR>
</TABLE>
<BR>

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<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.13</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Designated Participant</U>" means an individual on the list of Employees set forth in an Appendix to the Pension Plan as not being an
eligible employee for the purpose of the Pension Plan.</FONT></TD>
</TR>
</TABLE>
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<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.14</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Effective Date</U>" means January 1, 2001.</FONT></TD>
</TR>
</TABLE>
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<TR>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.15</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Eligible Employee</U>" means with respect to each Participating Employer for a Plan Year regarding the Pension Benefit, each Employee
who is a participant in the Pension Plan.</FONT></TD>
</TR>
</TABLE>
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<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.16</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Employee</U>" means any person who is considered to be an employee of a Participating Employer pursuant to the personnel policies of the
Participating Employer; and on and after a Change of Control, who renders services as a common law employee to the Participating
Employer.</FONT></TD>
</TR>
</TABLE>
<BR>

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<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.17</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Employee Savings Deferral</U>" means the amount identified by the same term in, and which the Participant has contributed to, the
PepsiAmericas, Inc. Supplemental Savings Plan for the Plan Year.</FONT></TD>
</TR>
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<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.18</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Employer</U>" means a member of the same controlled group of corporations, within the meaning of Section 414(b) and (c) of the Code, as
the Company.</FONT></TD>
</TR>
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<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.19</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>ERISA</U>" means the Employee
Retirement Income Security Act of 1974, as amended from time to time.</FONT></TD>
</TR>
</TABLE>
<BR>

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<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.20</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Installment Form of Payment</U>" means, with respect to his or her Single Lump Sum form payment the Pension Benefit, the term of five
(5) years over which to pay such Single Lump Sum form of the Pension Benefit in annual installments during the 5-year period, with
each installment being equal to the amount necessary to amortize such Single Lump Sum in five (5) equal installments using an
interest rate equal to the discount rate that was used in determining the amount of the Single Sum Payment.</FONT></TD>
</TR>
</TABLE>
<BR>

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<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.21</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Internal Revenue Code</U>" or "<U>Code</U>" means the Internal Revenue Code of 1986, as amended, any subsequent Internal Revenue Code and final
Treasury Regulations.  If there is a subsequent Internal Revenue Code, any references herein to Internal Revenue Code sections shall
be deemed to refer to comparable sections of any subsequent Internal Revenue Code.</FONT></TD>
</TR>
</TABLE>
<BR>

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<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.22</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Investment Grade Rating</U>" means a rating either (a) at or above Baa3 by Moody's Investors Service, Inc. or (b) at or above BBB by
Standard &amp; Poor's Corporation, or the prevailing equivalent ratings at the time.</FONT></TD>
</TR>
</TABLE>
<BR><BR>

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<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.23</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Long Term Incentive Plan</U>" means the
plan designated as such and adopted by each Participating Employer.</FONT></TD>
</TR>
</TABLE>
<BR>

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<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.24</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>LTIP Cash Account</U>" means the vested account under the Long Term Incentive Plan which is payable after the end of its vesting period
and which the Participant has not elected to have paid in the form of options to purchase shares of PepsiAmericas, Inc. common stock.</FONT></TD>
</TR>
</TABLE>
<BR>

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<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.25</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Maximum Annual Benefit Limitation</U>" means the limitation imposed by Code section 415 on benefits payable by defined benefit pension
plans qualified under Code section 401(a) including application of the combination limitations of Code section 415(e) to cause a
further reduction, if any, of such benefits.</FONT></TD>
</TR>
</TABLE>
<BR>

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<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.26</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>MIC Award</U>" means the amount of award payable
to a Participant under the PepsiAmericas, Inc. Management Incentive Compensation Plan.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.27</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Notice Date</U>" means the date established by the Benefit Trust Committee as the deadline for it to receive an Advance Election or any
other notification with respect to an administrative matter in order to be effective under this Plan.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.28</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Parent</U>" means any person (as such term is used in Sections 13(d) and 14(d)(2) of the Exchange Act), other than any employee benefit
plan sponsored by the Parent or a Participating Employer, (i) having directly or indirectly a beneficial ownership (within the
meaning of Rule 13d-3 under the Exchange Act) of securities of the Participating Employer representing twenty-five percent (25%) or
more of the combined voting power of the Participating Employer's then outstanding securities ordinarily (and apart from rights
accruing in special circumstances) having the right to vote in the election of directors; and (ii) with an Investment Grade Rating. </FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.29</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Participant</U>" means an Eligible Employee who begins to participate in this Plan after completing the eligibility requirements.  An
individual will remain a Participant until the payment of his or her Pension Benefit, if any, is completed (or made in a Single Lump
Sum).  A "Grandfathered Participant" means a Participant who: (a) is an Employee on December 31, 2001; (b) has attained age 50 and
has ten (10) years of Continuous Service under the Pension Plan as of December 31, 2001, or who is Disabled under the Pension Plan on
December 31, 2001; and (c) who is included on a list to be compiled under the Pension Plan as of January 1, 2002.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.30</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Participating Employer</U>" means PepsiAmericas, Inc. and Pepsi-Cola General Bottlers, Inc.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.31</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Payment Date</U>" means the date a Participant's Retirement Benefit, or if applicable, a Beneficiary's Death Benefit, payable from the
Pension Plan is distributed or commences to be distributed.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.32</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Pension Benefit</U>" means the monthly (or Single Lump Sum)
Pension Benefit payable under this Plan to a Participant.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.33</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Pension Plan</U>" means the PepsiAmericas, Inc.
Pension Plan for Salaried Employees and any Successor Plan.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.34</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Plan</U>" means the PepsiAmericas, Inc.
Supplemental Pension Plan, as it may be validly amended from time to time.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.35</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Plan Year</U>" means the annual accounting
period of this Plan which ends on each December 31.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.36</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Retirement Benefit</U>" means a monthly
(or single sum) accrued benefit payable under the Pension Plan.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.37</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Single Lump Sum</U>" means the distribution of a Participant's total Pension Benefit in an Actuarial Equivalent present value form of a
single payment.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.38</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Spouse</U>" means a person who is considered
the Participant's Spouse under the Pension Plan.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.39</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Successor Plan</U>" means a tax-qualified, retirement plan described in section 401(a) of the Code into which the assets and liabilities
have been merged or transferred in accordance with section 414(1) of the Code and section 208 of ERISA from the Pension Plan and
which provides benefits, options, features and rights, each comparable in material respects to those available in the Pension Plan.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.40</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Survivor Benefit</U>" means a monthly (or Single Lump Sum)
benefit payable to a Beneficiary and determined in accordance with this Plan.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.41</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Termination of Employment</U>" occurs when a person ceases to be an Employee as determined by the personnel policies of the
Participating Employer; provided however, transfer of employment from a Participating Employer, or from one affiliate of a
Participating Employer, to another affiliate of a Participating Employer shall not constitute a Termination of Employment for
purposes of this Plan.  If a person would cease to be an Employee because of a Change of Control, solely for the purpose of this
Plan, such person will not be considered to have incurred a Termination of Employment if the person's successor employer, either
expressly or by operation of law, assumes the Plan and Trust, the obligations and liabilities of the Plan and Trust with respect to
such Participating Employer, and agrees to the responsibilities of the such Participating Employer under the Plan and Trust. </FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.42</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"<U>Trust</U>" means the trust created by the PepsiAmericas, Inc.
Benefit Trust Agreement as it may be validly amended from time to time.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>
                <B>ARTICLE II<BR><BR><U>PARTICIPATION</U></B></FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2.1</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Eligibility</U>.
                On or after the Effective Date:</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(a)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Participant  on the Effective  Date</U>.  Each person
         who has a balance in his or her Accounts as of the Effective Date shall be a
         Participant as of the Effective Date.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(b)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Other Eligible Employee</U>. Each other Eligible Employee will become a Participant with respect to the Plan Year in which he or she becomes an Eligible Employee;
provided however, on or after January 1, 1999, a person who was an Employee prior to becoming an Eligible Employee will become a
Participant as of the first day of the Plan Year commencing on or after the date he or she became an Eligible Employee.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>
                <B>ARTICLE III<BR><BR><U>EXCESS RETIREMENT AND DEATH BENEFITS</U></B></FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>3.1</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Amount of Pension Benefits</U>.  Effective on and after the Effective Date, a Pension Benefit (reduced by the Actuarial Equivalent of any
payments under Section 5.6) will be paid under this Plan, commencing on the Payment Date and to be paid in the same form as the
Retirement Benefit elected by such Participant under the Pension Plan, or if the Participant has not made such an election under the
Pension Plan, then in the automatic form of payment of the Retirement Benefit, to a Participant in an annual amount payable monthly
equal to the amount by which (a) exceeds (b):</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(a)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The amount of the annual Retirement Benefit the Participant would have been entitled to receive under the Pension Plan (1) had the
Pension Plan (and any other plan referenced by the Pension Plan for the purpose of determining an "Offset Benefit" as defined in the
Pension Plan) not applied the Maximum Annual Benefit Limitation in determining benefits payable from the Pension Plan; and, if
applicable, (2) had the Participant not been excluded from being an "Eligible Employee" by being listed on an Appendix to the Pension
Plan (and any other plan referenced by the Pension Plan for the purpose of determining an "Offset Benefit" as defined in the Pension
Plan). For purposes of this Section 3.1(a), the compensation used for determining a Retirement Benefit payable from the Pension Plan
(and any other plan referenced by the Pension Plan for the purpose of determining an "Offset Benefit" as defined in the Pension Plan)
shall mean Compensation as defined in this Plan for a Plan Year.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(b)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The amount of the annual Retirement Benefit payable monthly which the Participant is entitled to receive under the Pension Plan, if
it were to commence on the Payment Date and to be paid in the same form of payment as (a).</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>3.2</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Amount of Survivor Benefit</U>.  Effective on and after the Effective Date, a Survivor Benefit (reduced to reflect the Actuarial
Equivalent of any payments to the Participant of the Beneficiary or to such Beneficiary under Section 5.6) will be paid under this
Plan, commencing on the Payment Date and paid in the same form as the Death Benefit, to a Beneficiary of a deceased Participant in an
annual amount payable monthly equal to the amount by which (a) exceeds (b):</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(a)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The amount of the annual Death Benefit the Beneficiary of a deceased Participant would have been entitled to receive under the
Pension Plan (1) had the Pension Plan not applied the Maximum Annual Benefit Limitation in determining benefits payable from the
Pension Plan; and, if applicable, (2) had the Participant not been excluded from being an "Eligible Employee" by being listed on an
Appendix to the Pension Plan.  For purposes of this Section 5.2(a), the compensation used for determining a Death Benefit payable
from the Pension Plan means Compensation as defined in this Plan for a Plan Year.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(b)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The amount of the annual Death Benefit payable monthly which the Beneficiary of a deceased Participant is entitled to receive under
the Pension Plan commencing on the Payment Date and paid in the same form of payment as (a).</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>3.3</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Pre-Effective Date Benefits</U>.  Any Pension Benefit or Survivor Benefit accrued by a Participant prior to the Effective Date, who is
never an Eligible Employee after the Effective Date, shall be determined and paid solely under the terms of the ERP as it existed
prior to the Effective Date.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>3.4</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Benefits Transferred from PEP</U>.  Effective as of the Effective Date, this Plan assumes, in Sections 3.1 and 3.2, the liabilities and
obligations as of the Effective Date, accrued by a Participant as of the Effective Date, under the PepsiCo Pension Equalization Plan,
but only if and to the extent there is a transfer of liabilities and assets to the Pension Plan from the PepsiCo Salaried Employees
Retirement Plan prior to January 1, 2002, with respect to such Participant.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>3.5</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Freezing of Benefits</U>.  Notwithstanding anything in this Plan to the contrary, a Participant's Pension Benefit or a Beneficiary's
Survivor Benefit shall be calculated by freezing each at their December 31, 2001 levels; provided however, that the Pension Benefit
and Survivor Benefit with respect to a Participant who is a Grandfathered Participant shall be calculated by freezing only the
Compensation of such a Participant as of their December 31, 2001 levels.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>
                <B>ARTICLE IV<BR><BR><U>VESTING AND FORFEITURES</U></B></FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>4.1</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Fully Vested Deferral Accounts</U>.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
A Participant shall be fully vested and have a nonforfeitable right to his or her Pension Benefit at the same time and to the same
extent as the Participant's Retirement Benefit is vested under the Pension Plan.</FONT></TD>
</TR>
</TABLE>
<BR>


<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>
                <B>ARTICLE V<BR><BR><U>DISTRIBUTIONS</U></B></FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Benefits payable under this Plan shall be paid in the form and time prescribed below.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>5.1</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Form and Timing of Distributions</U>.  This section shall govern the form and timing of distributions of Pension Benefits that begin on
or after the Effective Date.  Plan distributions that begin before the Effective Date shall be governed by the prior terms of the
ERP.  The provisions of this Section 5.1 are in all cases subject to the cashout rules set forth in Section 5.4.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(a)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><I>No Advance Election</I>:  This subsection shall apply to a Participant who does not have an Advance Election in effect as of the close of
business on the day before his or her Termination of Employment and for whom Sections 5.6 and 5.7 do not apply.  Subject to the next
sentence, a Participant described in this subsection shall be paid his or her Pension Benefit in the same form and at the same time
as he or she is paid his or her Retirement Benefit under the Pension Plan (disregarding that portion of the Retirement Benefit paid
in a Single Lump Sum).  If a Participant's Payment Date occurs while he or she is still an employee of the Participating Employer
(because of the time of payment provisions in Code Section 401(a)(9)), payment under the Plan shall not begin until the first of the
month next following the Participant's Termination of Employment and the form of payment under this Plan shall remain the Installment
Form of Payment for fifteen (15) years.
</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(b)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><I>Advance Election in Effect</I>:  This subsection shall apply to a Participant:  (i) who has an Advance Election in effect as of the close
of business on the day before his or her Termination of Employment, (ii) whose Termination of Employment is after the Effective Date,
and (iii) if Sections 5.6 or 5.7 do not apply.  To be in effect, an Advance Election must meet the advance receipt and other
requirements of Section 5.2.
</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=17%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(1)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=77%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><I>Lump Sum Election</I>:  If a Participant covered by this subsection has an Advance Election to receive a Single Lump Sum in effect as of
the close of business on the day before his or her Termination of Employment, the Participant's Pension Benefit under the Plan shall
be paid as a Single Lump Sum as of the first of the month coincident with or next following his or her Termination of Employment.
</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=17%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(2)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=77%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><I>Installment Election</I>:  If a Participant covered by this subsection has an Advance Election to receive an Installment Form of Payment
in effect as of the close of business on the day before his or her Termination of Employment, the Participant's Pension Benefit under
the Plan shall be paid in an Installment Form of Payment beginning on the first of the month coincident with or next following his or
her Termination of Employment.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>5.2</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Procedures for Elections</U>.  This section sets
forth the procedures for making Advance Elections.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(a)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><I>In General</I>:  To qualify as an Advance Election for purposes of Section 5.1, an election must be made in writing, on the form
designated by the Benefit Trust Committee, and must be signed by the Participant.  These requirements also apply to any revocations
of such elections.  Spousal consent is not required for any election (or revocation of election) under the Plan.
</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(b)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><I>Advance Election</I>:  To qualify as an Advance Election, an election must be made on or after the Effective Date, and meet the following
requirements:
</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=17%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(1)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=77%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><I>Election</I>:  The Participant shall designate on the Advance Election form whether the Participant elects to take his Retirement Benefit
in the form of an Installment Form of Payment or a Single Lump Sum.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=17%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(2)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=77%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><I>Receipt by Benefit Trust Committee</I>:  The Advance Election must be received by the Benefit Trust Committee before the start of the
calendar year containing the Participant's Termination of Employment, and at least six (6) months before the Termination of
Employment.  An election that meets the foregoing requirements shall remain effective until it is changed or revoked.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=17%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(3)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=77%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><I>Change or Revocation of Election</I>:  A Participant may change an Advance Election by filing a new Election that meets the foregoing
requirements.  A Participant may revoke an Advance Election only by filing a revocation that is received by the Benefit Trust
Committee before the start of the calendar year containing the Participant's Termination of Employment, and at least six (6) months
before the Termination of Employment.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Any Advance Election by a Participant shall be void if the Participant is not entitled to a Pension Benefit.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>5.3</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Survivor Benefit</U>.  This section shall govern the form and timing of distributions of Survivor Benefits that begin on or after the
Effective Date.  Plan distributions that begin before the Effective Date shall be governed by the prior terms of the ERP.  The
provisions of this Section 5.3 are in all cases subject to the cashout rules set forth in Section 5.4.  The Survivor Benefit payable
to the Beneficiary of a Participant who is entitled to a Pension Benefit and who dies on or after the Participant's Payment Date
shall be in the form selected by the Participant commencing as of such Payment Date.  Where a Participant who is entitled to a
Pension Benefit dies prior to his Payment Date, the form of payment of his or her Spouse's Survivor Benefit shall be the same as the
form of payment of any Death Benefit payable under the Pension Plan.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>5.4</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Cashout Distributions</U>.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(a)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><I>Distribution of Participant's Pension Benefit</I>:  If at a Participant's Termination of Employment, the Single Lump Sum value of the
Participant's Pension Benefit is equal to or less than $20,000, the Benefit Trust Committee shall distribute to the Participant such
Single Lump Sum value.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(b)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><I>Distribution of Pre-Retirement Spouse's Survivor Benefit</I>:  If at the Participant's date of death, the Single Lump Sum value of the
Beneficiary's Survivor Benefit to be paid is equal to or less than $20,000, the Benefit Trust Committee shall distribute to the
Beneficiary such Single Lump Sum.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=97%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Any Single Lump Sum distributed under this section shall be in lieu of the Pension Benefit or Survivor Benefit that otherwise would
be distributable to the Participant or Beneficiary hereunder.</FONT></TD>
       </TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>5.5</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Prior to 1999</U>.  The timing and form of payment of a Pension Benefit or Survivor Benefit with respect to a Participant or Beneficiary
as of any date of determination prior to the Effective Date, shall be determined by the terms and provisions of the ERP as of such
date.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>5.6</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Payments of Pension and
Survivor Benefit Due to an Investment Grade Rating Change</U>.  Notwithstanding Sections 5.1 or 5.3, the
following shall apply:</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(a)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Pension Benefit Prior to Payment Date</U>.  If, prior to a Change of Control or more than three (3) years after a Change of Control,
either (1) the Participating Employer or (2) the Parent, is rated below an Investment Grade Rating and the Participant's Payment Date
has not occurred, then on such date of rating below Investment Grade Rating, and on each December 31 after such date and prior to the
date the Participating Employer and the Parent both have an Investment Grade Rating, a single sum payment shall be made immediately
to such Participant of the amount by which the Actuarial Equivalent of (1) exceeds the sum of (2) plus (3):</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=17%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(1)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=77%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>the amount determined in Section 3.1(a) based upon the assumption that (A) the Participant has a nonforfeitable right to his
Retirement Benefit from the Pension Plan, (B) the Participant incurs a Termination of Employment as of the date of determination, and
(C) the Retirement Benefit payable from the Pension Plan would commence upon the earliest date of payment allowed under the Pension
Plan immediately following such Termination of Employment.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=17%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(2)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=77%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>the Actuarial Equivalent of the amount
determined in Section 3.1(b) based upon the same assumptions as those in Section 5.6(a)(1).</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=17%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(3)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=77%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>the Actuarial Equivalent of amounts paid to
such Participant based on any prior determination date pursuant to Section 5. 6(a)( 1).</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(b)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Pension Benefit After Payment Date</U>.  On or after the Payment Date of a Participant's Pension Benefit, if either (1) the Participating
Employer or (2) the Parent is rated below an Investment Grade Rating, then a Single Lump Sum payment of such unpaid Pension Benefit
shall be made immediately to such Participant.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(c)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Survivor Benefit</U>.  If either (1) the Participating Employer or (2) the Parent is rated below an Investment Grade Rating, then a
Beneficiary who is receiving, or would as of such date otherwise be eligible to commence to receive a Survivor Benefit shall be paid
immediately an Single Lump Sum payment of such unpaid Survivor Benefit.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>5.7</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Payment of Pension Due to a Change of Control</U>.  On and after a Change of Control involving the Parent or a Participating Employer and
notwithstanding Sections 5.1 or 5.3, the following shall apply:</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(a)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Termination of Employment</U>.  Upon Termination of Employment of a Participant within three (3) years following a Change of Control, a
single sum payment shall be made immediately to such Participant of the amount by which the Actuarial Equivalent of (1) exceeds (2)
plus (3):</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=17%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(1)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=77%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>the amount determined in Section 3.1(a) based upon the assumption that (A) the Participant has a nonforfeitable right to his
Retirement Benefit from the Pension Plan, (B) the Participant's early Retirement Benefit under the Pension Plan is determined using
the Table of reduction factors that would have been available to such Participant had he or she not incurred a Termination of
Employment until the third (3rd) anniversary of the Change of Control date and based upon the Participant's age as of the Payment
Date, and (C) the Retirement Benefit payable from the Pension Plan would commence upon the earliest date of payment allowed under the
Pension Plan.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=17%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(2)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=77%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>the Actuarial Equivalent of the amount determined in Section 3.1(b) based upon the same assumptions as those in Section 5.7(a)(1)
except (A).</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=17%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(3)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=77%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>the Actuarial Equivalent of any amounts previously
paid to the Participant under Section 5.6.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(b)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Investment Grade Rating Within Three Years</U>.  If, within three (3) years following a Change of Control, either (1) the Participating
Employer or (2) the Parent, if any, is rated below an Investment Grade Rating, then a Single Lump Sum payment shall be made
immediately to such Participant of an amount determined in Section 5.7(a) hereof as if such Participant had incurred a Termination of
Employment as of such date the rating drops below an Investment Grade Rating.
</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>
                <B>ARTICLE VI<BR><BR><U>AMENDMENT</U></B></FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>6.1</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Prior to a Change of Control</U>.  The Company reserves the right to amend this Plan with respect to the Pension Benefit (or Survivor
Benefit) accrued as a liability of each Participating Employer from time to time by action of the Board of Directors, but without the
written consent of each Participant and Beneficiary of a deceased Participant, no such action may reduce or relieve the Participating
Employer of any obligation with respect to any Pension Benefit (or Survivor Benefit) accrued by such Participant (or Beneficiary) as
of the date of such amendment, except to the extent such amendment is required by written opinion of counsel to the Company to avoid
recognition of income by a Participant or Beneficiary subject to federal income taxation.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>6.2</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>After a Change of Control</U>.  This Plan may not be amended with respect to the Pension Benefit (or Survivor Benefit) accrued as a
liability of each Participating Employer maintained by a Participating Employer following a Change of Control for that Participating
Employer without the consent of affected Participants of such Participating Employer; however, this Section 6.2 will not apply to the
Pension Benefit (or Survivor Benefit) accrued as a liability by Participating Employers not involved in a Change of Control.</FONT></TD>
</TR>
</TABLE>
<BR>


<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>
                <B>ARTICLE VII<BR><BR><U>TERMINATION</U></B></FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        The Company, by action of the Board of Directors, reserves the right to terminate this Plan with respect to the Pension Benefit (or
Survivor Benefit) accrued as a liability of each Participating Employer, provided the Participating Employer pays to each Participant
and Beneficiary, on such date of termination of this Plan, the Single Lump Sum value of a Participant's unpaid Pension Benefit (or of
a Beneficiary's unpaid Survivor Benefit) as of the date of termination shall be paid as soon as administratively possible; provided
however, for this purpose a Participant's Pension Benefit shall be equal to the amount by which the Actuarial Equivalent of (1)
exceeds (2) plus (3):</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=17%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(1)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=77%><FONT FACE="Times New Roman, Times, Serif" SIZE=2> the amount determined in Section 3.1(a) based upon the assumption that (A) the Participant has a nonforfeitable right to his
Retirement Benefit from the Pension Plan, (B) the Participant's early Retirement Benefit under the Pension Plan is determined using
the Table of reduction factors that would have been available to such Participant had he or she not incurred a Termination of
Employment until the day preceding his or her sixty-fifth (65th) birthday and based upon the Participant's age as of the Payment
Date, and (C) benefits payable from the Pension Plan would commence upon the earliest date of payment allowed under the Pension Plan.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=17%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(2)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=77%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>the Actuarial Equivalent of the amount determined in Section 3.1(b) based upon the same assumptions as those in subsection (a)( 1)
above except (A).</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=17%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(3)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=77%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>the Actuarial Equivalent of any
amounts previously paid to the Participant under Section 5.6.</FONT></TD>
</TR>
</TABLE>
<BR>



<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>
                <B>ARTICLE VIII<BR><BR><U>ADMINISTRATION</U></B></FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>8.1</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Authority to Administer Plan</U>.  The Plan shall be administered by the Benefit Trust Committee, which shall have the authority to
interpret the Plan and issue such regulations as it deems appropriate.  The Benefit Trust Committee shall maintain Plan records and
make benefit calculations, and may rely upon information furnished it by the Participant in writing, including the Participant's
current mailing address, age and marital status.  The Benefit Trust Committee's interpretations, determinations, regulations and
calculations shall be final and binding on all persons and parties concerned.</FONT></TD>
</TR>
</TABLE>
<BR>

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<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>8.2</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Facility of Payment</U>.  Whenever, in the Benefit Trust Committee's opinion, a person entitled to receive any payment of a benefit or
installment thereof hereunder is under a legal disability or is incapacitated in any way so as to be unable to manage his or her
financial affairs, the Benefit Trust Committee may make payments to such person or to the legal representative of such person for his
or her benefit, or the Benefit Trust Committee may apply the payment for the benefit of such person in such manner as it considers
advisable.  Any payment of a benefit or installment thereof in accordance with the provisions of this section shall be a complete
discharge of any liability for the making of such payment under the provisions of the Plan.</FONT></TD>
</TR>
</TABLE>
<BR>

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<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>8.3</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Claims Procedure for Claims Made Prior to January 1, 2002</U>.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(a)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Initial Review of Claim</U>.  If any individual believes that he has improperly been excluded from participation in the Plan, or if a
Participant believes he is entitled to benefits in an amount greater than those which he is receiving or has received, he may file a
claim with the Benefit Trust Committee.  Such a claim will be in writing and state the nature of the claim, the facts supporting the
claim, the amount claimed, and the address of the claimant.  The Benefit Trust Committee will review the claim and, unless special
circumstances require an extension of time, within 90 days after receipt of the claim, mail written notice by registered or certified
mail to the claimant of the decision with respect to the claim.  If special circumstances require an extension of time, the claimant
will be so advised in writing mailed within the initial 90-day period and in no event will such an extension exceed 90 days.  The
notice of the decision with respect to the claim will be written in a manner calculated to be understood by the claimant and, if the
claim is wholly or partially denied, set forth the specific reasons for the denial, specific references to the pertinent Plan
provisions on which the denial is based, a description of any additional material or information necessary for the claimant to
perfect the claim and an explanation of why such material or information is necessary, and an explanation of the claim review
procedure under the Plan, including a notice that: (i) the claimant or his or her duly authorized representative may request a review
of the denial in accordance with the procedures set forth in subsection (b) of this Section, (ii) the claimant may have reasonable
access to pertinent documents, and (iii) the claimant may submit comments in writing to the Benefit Trust Committee.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(b)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Appeal of Claim</U>.  Within 60 days after notice of the denial has been received by the claimant, the claimant or his or her duly
authorized representative may request a review of the denial by the Benefit Trust Committee by filing with the Benefit Trust
Committee, a written request for such review.  If a request is so filed, review of the denial will be made by the Benefit Trust
Committee within 60 days after receipt of such request, unless special circumstances require an extension of time, and the claimant
will be given written notice of the resulting final decision.  If special circumstances require an extension of time, the claimant
will be so advised in writing mailed within the initial 60-day period and in no event will an extension exceed 60 days.  The notice
of the Benefit Trust Committee's final decision will include specific reasons for the decision and specific references to the
pertinent Plan provisions on which the decision is based and will be written in a manner calculated to be understood by the claimant.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>8.4</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Claims Procedure for Claims Made on and after January 1, 2002</U>.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(a)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Definitions</U>.  For purposes of this Section 8.4, the following words or phrases in quotes when capitalized will have the meaning set
forth below:</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=17%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(1)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=77%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"Adverse Benefit Determination" means a denial, reduction or the termination of, or a failure to provide or make payment (in whole or
in part) with respect to a Claim for a benefit, including any such denial, reduction, termination, or failure to provide or make
payment that is based on a determination of a Participant's or Beneficiary's eligibility to participate in the Plan.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=17%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(2)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=77%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"Claim" means a request for a benefit or eligibility to participate in the Plan, made by a Claimant in accordance with the Plan's
procedures for filing Claims, as described in this Section 8.4.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=17%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(3)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=77%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"Claimant" is defined in Section 8.4(b)(2).</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=17%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(4)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=77%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"Notice" or "Notification" means the delivery or furnishing of information to an individual in a manner that satisfies applicable
Department of Labor regulations with respect to material required to be furnished or made available to an individual.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=17%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(5)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=77%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>"Relevant Documents" include documents,
records or other information with respect to a Claim that:</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=23%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(A)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=71%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>were relied upon by the Benefit Trust
Committee in making the benefit determination</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=23%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(B)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=71%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>were submitted to, considered by or generated for, the Benefit Trust Committee in the course of making the benefit determination,
without regard to whether such documents, records or other information were relied upon by the Benefit Trust Committee in making the
benefit determination;</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=23%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(C)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=71%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>demonstrate compliance with administrative processes
and safeguards required in making the benefit determination; or</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=23%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(D)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=71%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>constitute a statement of policy or guidance with respect to the Plan concerning the denied benefit for the Participant's
circumstances, without regard to whether such advice was relied upon by the Benefit Trust Committee in making the benefit
determination.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(b)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Procedure for Filing a Claim</U>.  In order for a communication from a Claimant to constitute a valid Claim, it must satisfy the
following paragraphs (1) and (2) of this paragraph (b).</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=17%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(1)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=77%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Any Claim submitted by a Claimant must be in writing on the appropriate Claim form (or in such other manner acceptable to the Benefit
Trust Committee) and delivered, along with any supporting comments, documents, records and other information, to the Benefit Trust
Committee in person, or by mail postage paid, to the address for the Benefit Trust Committee provided in the Summary Plan Description.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=17%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(2)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=77%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Claims and appeals of denied Claims may be pursued by a Participant or an authorized representative of the Participant (each of whom
will be referred to in this section as a "Claimant").  However, the Benefit Trust Committee may establish reasonable procedures for
determining whether an individual has been authorized to act on behalf of a Participant.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(c)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Initial Claim Review</U>.  The initial Claim review will be conducted by the Benefit Trust Committee, with or without the presence of the
Claimant, as determined by the Benefit Trust Committee in its discretion.  The Benefit Trust Committee will consider the applicable
terms and provisions of the Plan and amendments to the Plan, information and evidence that is presented by the Claimant and any other
information it deems relevant.  In reviewing the Claim, the Benefit Trust Committee will also consider and be consistent with prior
determinations of Claims from other Claimants who were similarly situated and which have been processed through the Plan's claims and
appeals procedures within the past 24 months.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(d)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Initial Benefit Determination</U>.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=17%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(1)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=77%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The Benefit Trust Committee will notify the Claimant of the Benefit Trust Committee's determination within a reasonable period of
time, but in any event (except as described in paragraph (2) below) within 90 days after receipt of the Claim by the Benefit Trust
Committee.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=17%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(2)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=77%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The Benefit Trust Committee may extend the period for making the benefit determination by 90 days if it determines that such an
extension is necessary due to matters beyond the control of the Plan and if it notifies the Claimant, prior to the expiration of the
initial-90 day period, of circumstances requiring the extension of time and the date by which the Benefit Trust Committee expects to
render a decision.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(e)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Manner and Content of Notification of Adverse Benefit Determination</U>.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=17%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(1)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=77%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The Benefit Trust Committee will provide a Claimant with written or electronic Notice of any Adverse Benefit Determination, in
accordance with applicable Department of Labor regulations.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=17%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(2)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=77%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The Notification will set forth in a
manner calculated to be understood by the Claimant:</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=23%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(A)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=71%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The specific reason or
reasons for the Adverse Benefit Determination;</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=23%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(B)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=71%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Reference to the specific
provision(s) of the Plan on which the determination is based;</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=23%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(C)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=71%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Description of any additional material or information necessary for the Claimant to perfect the Claim and an explanation of why such
material or information is necessary; and</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=23%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(D)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=71%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>A description of the Plan's review procedures and the time limits applicable to such procedures, including a statement of the
Claimant's right to bring a civil action under Section 502(a) of ERISA following an Adverse Benefit Determination on review.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(f)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Procedure for Filing a Review of an Adverse Benefit Determination</U>.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=17%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(1)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=77%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Any appeal of an Adverse Benefit Determination by a Claimant must be brought to the Benefit Trust Committee within 60 days after
receipt of the Notice of the Adverse Benefit Determination.  Failure to appeal within such 60-day period will be deemed to be a
failure to exhaust all administrative remedies under the Plan.  The appeal must be in writing utilizing the appropriate form provided
by the Benefit Trust Committee (or in such other manner acceptable to the Benefit Trust Committee); provided, however, that if the
Benefit Trust Committee does not provide the appropriate form, no particular form is required to be utilized by the Participant.  The
appeal must be filed with the Benefit Trust Committee at the address listed in the Summary Plan Description.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=17%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(2)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=77%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>A Claimant will have the opportunity to
submit written comments, documents, records and other information relating to the Claim.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(g)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Review Procedures for Adverse Benefit Determinations</U>.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=17%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(1)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=77%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The Benefit Trust Committee will provide a review that takes into account all comments, documents, records and other information
submitted by the Claimant without regard to whether such information was submitted or considered in the initial benefit determination.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=17%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(2)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=77%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The Claimant will be provided, upon request and
free of charge, reasonable access to and copies of all Relevant Documents.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=17%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(3)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=77%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The review procedure may not require more than
two levels of appeals of an Adverse Benefit Determination.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(h)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Timing and Notification of Benefit Determination on Review</U>.  The Benefit Trust Committee will notify the Claimant within a reasonable
period of time, but in any event within 60 days after the Claimant's request for review, unless the Benefit Trust Committee
determines that special circumstances require an extension of time for processing the review of the Adverse Benefit Determination.
If the Benefit Trust Committee determines that an extension is required, written Notice will be furnished to the Claimant prior to
the end of the initial 60-day period indicating the special circumstances requiring an extension of time and the date by which the
Benefit Trust Committee expects to render the determination on review, which in any event will be within 60 days from the end of the
initial 60-day period.  If such an extension is necessary due to a failure of the Claimant to submit the information necessary to
decide the Claim, the period in which the Benefit Trust Committee is required to make a decision will be tolled from the date on
which the notification is sent to the Claimant until the Claimant adequately responds to the request for additional information.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(i)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Manner and Content of
Notification of Benefit Determination on Review</U>.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=17%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(1)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=77%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The Benefit Trust Committee will provide a written or electronic Notice of the Plan's benefit determination on review, in accordance
with applicable Department of Labor regulations.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=17%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(2)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=77%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The Notification will set forth:</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=23%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(A)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=71%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The specific reason or reasons for the Adverse Benefit Determination;</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=23%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(B)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=71%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Reference to the specific
provision(s) of the Plan on which the determination is based;</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=23%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(C)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=71%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>A statement that the Claimant is entitled to receive, upon request and free of charge, reasonable access to and copies of all
Relevant Documents; and</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=23%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(D)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=71%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>A statement of the Claimant's right to bring a civil action under Section 502(a) of ERISA following an Adverse Benefit Determination
on review.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(j)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Statute of Limitations</U>.  No cause of action may be brought by a Claimant who has received an Adverse Benefit Determination later than
two years following the date of such Adverse Benefit Determination.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>8.5</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Notices to Participants, Etc</U>.  Any notice, report or statement given, made, delivered or transmitted to a Participant or any other
person entitled to or claiming benefits under the Plan will be deemed to have been duly given, made or transmitted when sent via
messenger, delivery service, facsimile or mailed by first class mail with postage prepaid and addressed to the Participant or such
person at the address last appearing on the records of the Benefit Trust Committee.  A Participant or other person may record any
change of his or her address from time to time by following the procedures established by the Benefit Trust Committee.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>8.6</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Notices to Benefit Trust Committee</U>.  Any written direction, notice or other communication from Participants or any other person
entitled to or claiming benefits under the Plan to the Benefit Trust Committee will be deemed to have been duly given, made or
transmitted either when delivered to such location as will be specified upon the forms prescribed by the Benefit Trust Committee for
the giving of such direction, notice or other communication or when otherwise received by the Benefit Trust Committee.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>
                <B>ARTICLE IX<BR><BR><U>MISCELLANEOUS PROVISIONS</U></B></FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9.1</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Expenses</U>.  The expenses of administering this Plan shall be borne by each Participating Employer, as determined by the Benefit Trust
Committee.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9.2</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Indemnification and Exculpation</U>.  The members of the Benefit Trust Committee, its agents and officers, directors and employees of the
Company and each Participating Employer shall be indemnified and held harmless by each Participating Employer against and from any
and all loss, cost, liability, or expense that may be imposed upon or reasonably incurred by them in connection with or resulting
from any claim, action, suit, or proceeding to which they may be a party or in which they may be involved by reason of any action
taken or failure to act under this Plan and against and from any and all amounts paid by them in settlement (with the Participating
Employer's written approval) or paid by them in satisfaction of a judgment in any such action, suit, or proceeding.  The foregoing
provision shall not be applicable to any person if the loss, cost, liability, or expense is due to such person's gross negligence or
willful misconduct.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9.3</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Funding</U>.  While all benefits payable under this Plan with respect to Participants of a Participating Employer constitute general
corporate obligations, the Company may establish a separate irrevocable grantor trust for the benefit of all Participants, which
trust shall be subject to the claims of the general creditors of each Participating Employer in the event of such corporation's
insolvency, to be used as a reserve for the discharge of that Participating Employer's obligations under this Plan to its
Participants. Any payments made to a Participant under the separate trust for his or her benefit shall reduce dollar for dollar the
amount payable to the Participant from the general assets of the Participating Employer.  The amounts payable under this Plan shall
be reflected on the accounting records of the Participating Employer with respect to its Participants but shall not be construed to
create or require the creation of a trust, custodial, or escrow account, except as described above in this Section.  No Participant
(or Beneficiary of a Participant) shall have any right, title, or interest whatever in or to any investment reserves, accounts, or
funds that the Participating Employer may purchase, establish, or accumulate to aid in providing benefits under this Plan.  Nothing
contained in this Plan, and no action taken pursuant to its provisions, shall create a trust or fiduciary relationship of any kind
between the Company, a Participating Employer, the Parent or Compensation Committee and a Participant, Beneficiary or any other
person.  Neither a Participant nor Beneficiary shall acquire any interest greater than that of an unsecured, general creditor.
Neither the Company, the Parent nor another Participating Employer will have any liability for the Pension Benefit (or Survivor
Benefit) of a Participant of a different Participating Employer, nor will the assets of any trust held for the benefit of the Company
or another Participating Employer be used to pay the Pension Benefit (or Survivor Benefit) of a Participant of a different
Participating Employer.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9.4</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Corporate Action</U>.  Any action required of or permitted by the Company under this Plan shall be by resolution of its Board of
Directors, the Compensation Committee or any person or persons authorized by resolution of such Compensation Committee.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9.5</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Interests not Transferable</U>.  Amounts payable under the Plan or the right to receive future benefits under the Plan shall not be
subject in any manner to anticipation, alienation, sale, transfer, assignment, pledge, encumbrance, charge, garnishment, execution,
or levy of any kind, either voluntary or involuntary, and any attempt to anticipate, alienate, sell, transfer, assign, pledge,
encumber, charge or otherwise dispose of any right to benefits payable hereunder, including any assignment or alienation in
connection with a divorce, separation, child support or similar arrangement, shall be null and void and not binding on a
Participating Employer.  A Participating Employer shall not in any manner be liable for, or subject to, the debts, contracts,
liabilities, engagements or torts of any person entitled to benefits hereunder.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9.6</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Effect on Other Benefit Plans</U>.  Amounts credited or paid under this Plan shall not be considered to be compensation for the purposes
of a qualified pension plan maintained by the Company, the Parent or any Participating Employer.  The treatment of such amounts under
other employee benefits plans shall be determined pursuant to the provisions of such plans.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9.7</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Legal Fees and Expenses</U>.  After a Change of Control, the Participating Employer involved in the Change of Control shall pay all
reasonable legal fees and expenses which the Participant or a Beneficiary may incur as a result of the Participating Employer's
contesting the validity, enforceability or the Participant's interpretation of, or determinations made under, this Plan or the Trust
with respect to Pension Benefits (or Survivor Benefits) of that Participating Employer.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9.8</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Deduction of Taxes from Amounts Payable</U>.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(a)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Distribution</U>.  The Participating Employer shall deduct from the amount to be distributed such amount as the Participating Employer,
in its sole discretion, deems proper to protect the Participating Employer against liability for the payment of death, succession,
inheritance, income, or other taxes, and out of money so deducted, the Participating Employer may discharge any such liability and
pay the amount remaining to the Participant, the Beneficiary or the deceased Participant's estate, as the case may be.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=11%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=6%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(b)</FONT></TD>
        <TD ALIGN=LEFT WIDTH=83%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Withholding</U>.  The Participating Employer may withhold whatever taxes (including FICA, state or federal taxes) it, in its sole
discretion, deems proper to protect the Participating Employer against liability for the payment of such withholding taxes and out of
the money so deducted, the Participating Employer may discharge any such liability.  Withholding for this purpose may come from any
wages due to the Participant, or if none, from the Participant's Pension Benefit hereunder.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9.9</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Facility of Payment</U>.  If a Participant or Beneficiary is declared an incompetent or is a minor and a conservator, guardian, or other
person legally charged with his or her care has been appointed, any benefits to which such Participant or Beneficiary is entitled
shall be payable to such conservator, guardian, or other person legally charged with his or her care.  The decision of the Benefit
Trust Committee in such matters shall be final, binding, and conclusive upon the Company, Participating Employer and upon each
Participant, Beneficiary, and every other person or party interested or concerned.  The Company, Participating Employer and the
Benefit Trust Committee shall not be under any duty to see to the proper application of such payments.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9.10</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Merger</U>.  This Plan shall be binding and enforceable with respect to the obligation of each Participating Employer against any
successor to such Participating Employer by operation of law or by express assumption of the Plan, and such successor shall be
substituted hereunder for the Participating Employer.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9.11</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Gender and Number</U>.  Except when the context indicates to the contrary, when used herein, masculine terms shall be deemed to include
the feminine, and singular the plural.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9.12</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Invalidity of Certain Provisions</U>.  If any provision of this Plan shall be held invalid or unenforceable, such invalidity or
unenforceability shall not affect any other provisions hereof and this Plan shall be construed and enforced as if such provisions, to
the extent invalid or unenforceable, had not been included.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9.13</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Headings</U>.  The headings or articles are included solely for convenience of reference, and if there is any conflict between such
headings and the text of this Plan, the text shall control.</FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH=650 BORDER=0 CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
        <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
        <TD ALIGN=LEFT WIDTH=8%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9.14</FONT></TD>
        <TD ALIGN=LEFT WIDTH=89%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Governing Law</U>.  This Plan shall be governed
by the laws of the State of Delaware.</FONT></TD>
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