FIRST HORIZON NATIONAL CORP
EXHIBIT 10.1(I)
<DOCUMENT>
<TYPE>EX-10
<SEQUENCE>8
<FILENAME>exh_101i.htm
<DESCRIPTION>EXHIBIT 10.1(I)
<TEXT>
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      <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><strong>Exhibit
        10.1(i)</strong></font></div>
      <div><br></div>
      <div><br>&#160;</div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: Arial Narrow;">First
        Horizon</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Arial Narrow;">Deferred
        Compensation Plan</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Arial Narrow;">As
        Amended
        and Restated</font></div>
      <div><br></div>
      <div><br></div>
      <div><br></div>
      <div><br></div>
      <div><br></div>
      <div><br></div>
      <div><br></div>
      <div><br></div>
      <div><br></div>
      <div><br></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Arial Narrow;"><strong>Article
        I</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><font id="TAB1" style="MARGIN-LEFT: 36pt;"></font>Establishment
        and
        Purpose&#160;.................................................................1</font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Arial Narrow;"><strong>Article
        II</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><font id="TAB1" style="MARGIN-LEFT: 36pt;"></font>Definitions&#160;.........................................................................................1</font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Arial Narrow;"><strong>Article
        III</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><font id="TAB1" style="MARGIN-LEFT: 36pt;"></font>Eligibility
        and
        Participation&#160;...................................................................9</font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Arial Narrow;"><strong>Article
        IV</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><font id="TAB1" style="MARGIN-LEFT: 36pt;"></font>Deferrals&#160;.........................................................................................10</font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Arial Narrow;"><strong>Article
        V</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><font id="TAB1" style="MARGIN-LEFT: 36pt;"></font>Company
        Contributions&#160;....................................................................13</font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Arial Narrow;"><strong>Article
        VI</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><font id="TAB1" style="MARGIN-LEFT: 36pt;"></font>Benefits&#160;..........................................................................................13</font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Arial Narrow;"><strong>Article
        VII</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><font id="TAB1" style="MARGIN-LEFT: 36pt;"></font>Modifications
        to Payment
        Schedules&#160;...................................................17</font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Arial Narrow;"><strong>Article
        VIII</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><font id="TAB1" style="MARGIN-LEFT: 36pt;"></font>Valuation
        of Account Balances;
        Investments&#160;........................................18</font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Arial Narrow;"><strong>Article
        IX</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><font id="TAB1" style="MARGIN-LEFT: 36pt;"></font>Administration&#160;..................................................................................20</font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Arial Narrow;"><strong>Article
        X</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><font id="TAB1" style="MARGIN-LEFT: 36pt;"></font>Amendment
        and
        Termination&#160;..............................................................21</font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Arial Narrow;"><strong>Article
        XI</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><font id="TAB1" style="MARGIN-LEFT: 36pt;"></font>Informal
        Funding&#160;..............................................................................22</font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Arial Narrow;"><strong>Article
        XII</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><font id="TAB1" style="MARGIN-LEFT: 36pt;"></font>Claims&#160;...........................................................................................22</font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Arial Narrow;"><strong>Article
        XIII</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><font id="TAB1" style="MARGIN-LEFT: 36pt;"></font>General
        Provisions&#160;..........................................................................29</font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman;">&#160;</font>
        <div>
          <hr style="COLOR: black" align="center" noshade size="2" width="100%">
        </div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Arial Narrow;"><strong>Article
        I</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Establishment
        and Purpose</em></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">First
        Horizon
        National Corporation (the &#8220;Company&#8221;) hereby amends and restates the First
        Horizon Nonqualified Deferred Compensation Plan originally sponsored by the
        First Tennessee National Corporation and originally effective as of July
        1, 2003
        (the &#8220;Plan&#8221;).&#160;&#160;This amendment and restatement is effective January 1,
        2008. This amendment and restatement applies only to amounts deferred under
        the
        Plan on or after January 1, 2005, and to amounts deferred prior to January
        1,
        2005 that were not vested as of December 31, 2004. Amounts deferred under
        the
        Plan prior to January 1, 2005 that were vested as of December 31, 2004 (the
        &#8220;Grandfathered Accounts&#8221;) shall be subject to the provisions of the Plan as in
        effect on October&#160;3, 2004, as the same may be amended from time to time by
        the Company without material modification, it being expressly intended that
        such
        Grandfathered Accounts are to remain exempt from the requirements of Code
        Section 409A. Certain provisions of the Plan applicable to Grandfathered
        Accounts are reflected in this document for ease of reference.</font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">The
        purpose
        of the Plan continues to be to attract and retain selected eligible employees
        of
        First Horizon Home Loan Corporation and its subsidiaries, and such of the
        Company and the subsidiaries, divisions or affiliates of the Company, that
        have
        adopted the Plan for their Eligible Employees (as defined herein) by providing
        each Participant with an opportunity to defer receipt of a portion of their
        salary, bonus, commission (including mortgage production incentives) and
        other
        specified compensation. The Plan is not intended to meet the qualification
        requirements of Code Section 401(a), but is intended to meet the requirements
        of
        Code Section 409A, and shall be operated and interpreted consistent with
        that
        intent.</font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">The
        Plan
        constitutes an unsecured promise by an Adopting Employer and the Company
        to pay
        benefits in the future. Participants in the Plan shall have the status of
        general unsecured creditors of the Company or the Adopting Employer, as
        applicable. Each Participating Employer shall be solely responsible for payment
        of the benefits of its employees and their beneficiaries. The Plan is unfunded
        for Federal tax purposes and is intended to be an unfunded arrangement for
        eligible employees who are part of a select group of management or highly
        compensated employees of the Employer within the meaning of Sections 201(2),
        301(a)(3) and 401(a)(1) of ERISA. Any amounts set aside to defray the
        liabilities assumed by the Company or an Adopting Employer will remain the
        general assets of the Company or the Adopting Employer and shall remain subject
        to the claims of the Company&#8217;s or the Adopting Employer's creditors until such
        amounts are distributed to the Participants.</font></div>
      <div><br></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Arial Narrow;"><strong>Article
        II</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Definitions</em></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.1</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Account.</u>
                  Account means a bookkeeping account maintained by the Committee
                  to record
                  the payment obligation of a Participating Employer to a Participant
                  as
                  determined under the terms of the Plan. The Committee may maintain
                  an
                  Account to record the total</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em><br>Page&#160;1
          of 31</em></font>&#160;</div>
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          <div>
            <div id="GLHDR" style="WIDTH: 100%" align="right">
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          </div>
          <div style="MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">obligation
            to
            a Participant and component Accounts to reflect amounts payable at different
            times and in different forms. Reference to an Account means any such
            Account
            established by the Committee, as the context requires. Accounts are intended
            to
            constitute unfunded obligations within the meaning of Sections 201(2),
            301(a)(3)
            and 401(a)(1) of ERISA.</font></div>
          <div><br></div>
        </div>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.2</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Account
                  Balance.</u> Account Balance means, with respect to any Account, the total
                  payment obligation owed to a Participant from such Account as of
                  the most
                  recent Valuation Date.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.3</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Adopting
                  Employer.</u> Adopting Employer means an Affiliate who, with the consent
                  of the Company, has adopted the Plan for the benefit of its eligible
                  employees.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.4</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Affiliate.
                  </u>Affiliate means a corporation, trade or business that, together
                  with
                  the Company, is treated as a single employer under Code Section
                  414(b) or
                  (c).</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.5</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Beneficiary.</u>
                  Beneficiary means a natural person, estate, or trust designated
                  by a
                  Participant to receive payments to which a Beneficiary is entitled
                  in
                  accordance with provisions of the Plan. The Participant&#8217;s spouse, if
                  living, otherwise the Participant&#8217;s estate, shall be the Beneficiary if:
                  (i)the Participant has failed to properly designate a Beneficiary,
                  or (ii)
                  all designated Beneficiaries have predeceased the
                  Participant.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">A
        former
        spouse shall have no interest under the Plan, as Beneficiary or otherwise,
        unless the Participant designates such person as a Beneficiary after dissolution
        of the marriage, except to the extent provided under the terms of a domestic
        relations order as described in&#160;&#160;Code Section
        414(p)(1)(B).</font></div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.6</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Business
                  Day</u><strong><em>.</em></strong> A Business Day is each day on
                  which the
                  New York Stock Exchange is open for
                  business.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.7</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Change
                  in Control</u><strong><em>.</em></strong> Change in Control, with respect
                  to a Participating Employer that is organized as a corporation,
                  occurs on
                  the date on which any of the following events occur (i) a change
                  in the
                  ownership of the Participating Employer; (ii) a change in the effective
                  control of the Participating Employer; (iii) a change in the ownership
                  of
                  a substantial portion of the assets of the Participating
                  Employer.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">For
        purposes
        of this Section, a change in the ownership of the Participating Employer
        occurs
        on the date on which any one person, or more than one person acting as a
        group,
        acquires ownership of stock of the Participating Employer that, together
        with
        stock held by such person or group constitutes more than 50% of the total
        fair
        market value or total voting power of the stock of the Participating Employer.
        A
        change in the effective control of the Participating Employer occurs on the
        date
        on which either (i) a person, or more than one person acting as a group,
        acquires ownership of stock of the Participating Employer possessing 30%
        or more
        of the total voting power of the stock of the </font></div>
      <div>
        <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em><br>Page&#160;2
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            </div>
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
              <hr style="COLOR: black" noshade size="2">
            </div>
          </div>
          <div>
            <div id="GLHDR" style="WIDTH: 100%" align="right">
            </div>
          </div>
          <div style="MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">Participating
            Employer, taking into account all such stock acquired during the 12-month
            period
            ending on the date of the most recent acquisition, or (ii) a [majority]
            of the
            members of the Participating Employer&#8217;s Board of Directors is replaced during
            any 12-month period by directors whose appointment or election is not
            endorsed
            by a majority of the members of such Board of Directors prior to the
            date of the
            appointment or election, but only if no other corporation is a majority
            shareholder of the Participating Employer . A change in the ownership
            of a
            substantial portion of assets occurs on the date on which any one person,
            or
            more than one person acting as a group, other than a person or group
            of persons
            that is related to the Participating Employer, acquires assets from the
            Participating Employer that have a total gross fair market value equal
            to or
            more than 40% of the total gross fair market value of all of the assets
            of the
            Participating Employer immediately prior to such acquisition or acquisitions,
            taking into account all such assets acquired during the 12-month period
            ending
            on the date of the most recent acquisition.</font></div>
          <div><br></div>
        </div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">An
        event
        constitutes a Change in Control with respect to a Participant only if the
        Participant performs services for the Participating Employer that has
        experienced the Change in Control, or the Participant&#8217;s relationship to the
        affected Participating Employer otherwise satisfies the requirements of Treasury
        Regulation Section 1.409A-3(i)(5)(ii).</font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">The
        determination as to the occurrence of a Change in Control shall be based
        on
        objective facts and in accordance with the requirements of Code Section
        409A.</font></div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.8</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Claimant.
                  </u>Claimant means a Participant or Beneficiary filing a claim
                  under
                  Article XII of this Plan.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.9</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Code.</u>
                  Code means the Internal Revenue Code of 1986, as amended from time
                  to
                  time.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.10</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Code
                  Section 409A. </u>Code Section 409A means section 409A of the Code, and
                  regulations and other guidance issued by the Treasury Department
                  and
                  Internal Revenue Service
                  thereunder.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.11</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Committee.</u>
                  Committee means the Human Resources Committee of the Board of Directors
                  of
                  the Company.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.12</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Company.</u>
                  Company means First Horizon National
                  Corporation.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.13</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Company
                  Contribution.</u> Company Contribution means a credit by a Participating
                  Employer to a Participant&#8217;s Account(s) in accordance with the provisions
                  of Article V of the Plan. Company Contributions are credited at
                  the sole
                  discretion of the Participating Employer and the fact that a Company
                  Contribution is credited in one year shall not obligate the Participating
                  Employer to continue to make such Company Contribution in subsequent
                  years. Unless the context clearly indicates otherwise, a reference
                  to
                  Company Contribution shall include Earnings attributable to such
                  contribution.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em><br>Page&#160;3
        of 31</em></font>&#160;</div>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
          </div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: black" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.15</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Compensation.
                  </u>Compensation means a Participant&#8217;s base salary, bonus, commission,
                  (including mortgage production incentives), and such other cash
                  or
                  equity-based compensation (if any) approved by the Committee as
                  Compensation that may be deferred under this Plan.&#160;&#160;Compensation
                  shall not include any compensation that has been previously deferred
                  under
                  this Plan or any other arrangement subject to Code Section
                  409A.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.16</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Compensation
                  Deferral Agreement. </u>Compensation Deferral Agreement means an agreement
                  between a Participant and a Participating Employer that specifies
                  (i) the
                  amount of each component of Compensation that the Participant has
                  elected
                  to defer to the Plan in accordance with the provisions of Article
                  IV, and
                  (ii) the Payment Schedule applicable to one or more Accounts. The
                  Committee may permit different deferral amounts for each component
                  of
                  Compensation and may establish a minimum or maximum deferral amount
                  for
                  each such component. Unless otherwise specified by the Committee
                  in the
                  Compensation Deferral Agreement, Participants may defer up to 80%
                  of their
                  base salary and up to 100% of other types of Compensation for a
                  Plan Year.
                  A Compensation Deferral Agreement may also specify the investment
                  allocation described in Section
                  8.4.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.17</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Death
                  Benefit.</u> Death Benefit means the benefit payable under the Plan to
                  a
                  Participant&#8217;s Beneficiary(ies) upon the Participant&#8217;s death as provided in
                  Section 6.1 of the Plan.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.18</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Deferral</u>.
                  Deferral means a credit to a Participant&#8217;s Account(s) that records that
                  portion of the Participant&#8217;s Compensation that the Participant has elected
                  to defer to the Plan in accordance with the provisions of Article
                  IV.
                  Unless the context of the Plan clearly indicates otherwise, a reference
                  to
                  Deferrals includes Earnings attributable to such
                  Deferrals.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">Deferrals
        shall be calculated with respect to the cash Compensation payable to the
        Participant, but shall be reduced by the Committee as necessary so that
        Deferrals plus non-deferred Compensation do not exceed 100% of the cash
        Compensation of the Participant.&#160;&#160;Changes to payroll withholdings and
        welfare plan co-payments that affect the amount of Compensation being deferred
        to the Plan shall be allowed only to the extent permissible under Code Section
        409A.</font></div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.19</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Disability
                  Benefit. </u>Disability Benefit means the benefit payable under the Plan
                  to a Participant in the event such Participant is determined to
                  be
                  Disabled.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.20</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Disabled.</u>
                  Disabled means that a Participant is, by reason of any
                  medically-determinable physical or mental impairment which can
                  be expected
                  to result in death or can be expected to last for a continuous
                  period of
                  not less than twelve months, (i) unable to engage in any substantial
                  gainful activity, or (ii) receiving income replacement benefits
                  for a
                  period of not less than three months under an accident and health
                  plan
                  covering employees of the Participant&#8217;s employer. The Committee shall
                  determine whether a </font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em><br>Page&#160;4
        of 31</em></font>&#160;</div>
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          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
          </div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: black" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div>
      <div style="MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">Participant
        is Disabled in accordance with Code Section 409A provided, however, that
        a
        Participant shall be deemed to be Disabled if determined to be totally disabled
        by the Social Security Administration or the Railroad Retirement Board or
        if the
        Participant is determined to be Disabled under the Company disability insurance
        program utilizing the definition provided herein.</font><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.21</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Earnings.</u>
                  Earnings means an adjustment to the value of an Account in accordance
                  with
                  Article VIII.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.22</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Effective
                  Date.</u> Effective Date means January 1,
                  2008.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.23</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Eligible
                  Employee. </u>Eligible Employee means a member of a &#8220;select group of
                  management or highly compensated employees&#8221; of a Participating Employer
                  within the meaning of Sections 201(2), 301(a)(3) and 401(a)(1)
                  of ERISA as
                  determined by the Committee from time to time in its sole
                  discretion.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.24</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Employee.
                  </u>Employee means a common-law employee of an
                  Employer.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.25</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Employer.</u>
                  Employer means, with respect to the Employees it employs, First
                  Horizon
                  Home Loan Corporation and its subsidiaries, and each Adopting Employer
                  (if
                  any).</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.26</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>ERISA.
                  </u>ERISA means the Employee Retirement Income Security Act of
                  1974, as
                  amended from time to time.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.27</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Fiscal
                  Year Compensation.</u> Fiscal Year Compensation means Compensation earned
                  during one or more consecutive fiscal years of a Participating
                  Employer,
                  all of which is paid after the last day of such fiscal year or
                  years.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.28</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Grandfathered
                  Account.</u> Grandfathered Account means amounts deferred under the Plan
                  prior to January 1, 2005 that were vested as of December 31, 2004,
                  and
                  Earnings on such amounts.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.29</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Participant.</u>
                  Participant means an Eligible Employee or an independent contractor
                  who
                  has received notification of his or her eligibility to defer Compensation
                  under the Plan under Section 3.1 and any other person with an Account
                  Balance greater than zero, regardless of whether such individual
                  continues
                  to be an Eligible Employee. A Participant&#8217;s continued participation in the
                  Plan shall be governed by Section 3.2 of the
                  Plan.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.30</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Participating
                  Employer.</u> Participating Employer means the Employer and each Adopting
                  Employer.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em><br>Page&#160;5
        of 31</em></font>&#160;</div>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
          </div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: black" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.31</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Payment
                  Schedule. </u>Payment Schedule means the date as of which payment of an
                  Account under the Plan will commence and the form in which payment
                  of such
                  Account will be made.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.32</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Performance-Based
                  Compensation. </u>Performance-Based Compensation means Compensation where
                  the amount of, or entitlement to, the Compensation is contingent
                  on the
                  satisfaction of pre-established organizational or individual performance
                  criteria relating to a performance period of at least twelve consecutive
                  months. Organizational or individual performance criteria are considered
                  pre-established if established in writing by not later than ninety
                  (90)
                  days after the commencement of the period of service to which the
                  criteria
                  relate, provided that the outcome is substantially uncertain at
                  the time
                  the criteria are established. The determination of whether Compensation
                  qualifies as &#8220;Performance-Based Compensation&#8221; will be made in accordance
                  with Treas. Reg. Section 1.409A-1(e) and subsequent
                  guidance.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.33</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Plan.
                  </u>Generally, the term Plan means the &#8220;First Horizon Deferred
                  Compensation Plan&#8221; as documented herein and as may be amended from time to
                  time hereafter. However, to the extent permitted or required under
                  Code
                  Section 409A, the term Plan may in the appropriate context also
                  mean a
                  portion of the Plan that is treated as a single plan under Treas.
                  Reg.
                  Section 1.409A-1(c), or the Plan or portion of the Plan and any
                  other
                  nonqualified deferred compensation plan or portion thereof that
                  is treated
                  as a single plan under such
                  section.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.34</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Plan
                  Year. </u>Plan Year means January 1 through December
                  31.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.35</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Retirement.</u>
                  Retirement means the first to occur of: (i) a Participant&#8217;s Separation
                  from Service after attainment of age 55 and completion of 15 Years
                  of
                  Service; or (ii) a Participants Separation from Service after attainment
                  of age 65 and completion of 5 Years of
                  Service.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.36</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Retirement
                  Benefit. </u>Retirement Benefit means the benefit payable to a Participant
                  under the Plan following the Retirement of the
                  Participant.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.37</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Retirement/Termination
                  Account. </u>Retirement/Termination Account means an Account established
                  by the Committee to record the amounts payable to a Participant
                  that have
                  not been allocated to a Specified Date Account. Unless the Participant
                  has
                  established a Specified Date Account, all Deferrals and Company
                  Contributions shall be allocated to a Retirement/Termination Account
                  on
                  behalf of the Participant.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.38</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Separation
                  from Service.</u> An Employee incurs a Separation from Service upon
                  termination of employment with the Employer. Whether a Separation
                  from
                  Service has occurred shall be determined by the Committee in accordance
                  with Code Section 409A. Except in the case of an Employee on a
                  bona fide
                  leave of absence as provided below, an Employee is deemed to have
                  incurred
                  a Separation from Service if the Employer and the
                  </font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em><br>Page&#160;6
          of 31</em></font>&#160;</div>
        <div id="PGBRK" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
          <div id="FTR">
            <div id="GLFTR" style="WIDTH: 100%" align="left">
            </div>
          </div>
          <div id="PN" style="PAGE-BREAK-AFTER: always">
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
            </div>
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
              <hr style="COLOR: black" noshade size="2">
            </div>
          </div>
          <div>
            <div id="GLHDR" style="WIDTH: 100%" align="right">
            </div>
          </div>
          <div style="MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">Employee
            reasonably anticipated that the level of services to be performed by
            the
            Employee after a date certain would be reduced to 20% or less of the
            average
            services rendered by the Employee during the immediately preceding 36-month
            period (or the total period of employment, if less than 36 months) disregarding
            periods during which the Employee was on a bona fide leave of
            absence.</font></div>
          <div><br></div>
        </div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">An
        Employee
        who is absent from work due to military leave, sick leave, or other bona
        fide
        leave of absence shall incur a Separation from Service on the first date
        immediately following the later of (i) the six-month anniversary of the
        commencement of the leave or (ii) the expiration of the Employee&#8217;s right, if
        any, to reemployment under statute or contract.</font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">For
        purposes
        of determining whether a Separation from Service has occurred, the Employer
        means the Employer as defined in Section 2.25 of the Plan, except that for
        purposes of determining whether another organization is an Affiliate of the
        Company, common ownership of at least 50% shall be determinative.</font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">The
        Committee
        specifically reserves the right to determine whether a sale or other disposition
        of substantial assets to an unrelated party constitutes a Separation from
        Service with respect to a Participant providing services to the seller
        immediately prior to the transaction and providing services to the buyer
        after
        the transaction. Such determination shall be made in accordance with the
        requirements of Code Section 409A.</font></div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.39</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Specified
                  Date Account.</u> A Specified Date Account means an Account established
                  pursuant to Section 4.3 that will be paid (or that will commence
                  to be
                  paid) at a future date as specified in the Participant&#8217;s Compensation
                  Deferral Agreement. Unless otherwise determined by the Committee,
                  a
                  Participant may maintain no more than three Specified Date Accounts.
                  A
                  Specified Date Account may be identified in enrollment materials
                  as an
                  &#8220;In-Service Account&#8221;.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.40</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Specified
                  Date Benefit.</u> Specified Date Benefit means the benefit payable to a
                  Participant under the Plan in accordance with Section
                  6.1(C).</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.41</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Specified
                  Employee. </u>Specified Employee means an Employee who, as of the date of
                  his Separation from Service, is a &#8220;key employee&#8221; of the Company or any
                  Affiliate, any stock of which is actively traded on an established
                  securities market or otherwise.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">An
        Employee
        is a key employee if he meets the requirements of Code Section 416(i)(1)(A)(i),
        (ii), or (iii) (applied in accordance with applicable regulations thereunder
        and
        without regard to Code Section 416(i)(5)) at any time during the 12-month
        period
        ending on the Specified Employee Identification Date. Such Employee shall
        be
        treated as a key employee for the entire 12-month period beginning on the
        Specified Employee Effective Date.</font></div>
      <div>
        <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em><br>Page&#160;7
          of 31</em></font>&#160;</div>
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            <div id="GLFTR" style="WIDTH: 100%" align="left">
            </div>
          </div>
          <div id="PN" style="PAGE-BREAK-AFTER: always">
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
            </div>
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
              <hr style="COLOR: black" noshade size="2">
            </div>
          </div>
          <div id="HDR">
            <div id="GLHDR" style="WIDTH: 100%" align="right">
            </div><br></div>
        </div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">For
        purposes
        of determining whether an Employee is a Specified Employee, the compensation
        of
        the Employee shall be determined in accordance with the definition of
        compensation provided under Treas. Reg. Section 1.415(c)-2(d)(3) (wages within
        the meaning of Code section 3401(a) for purposes of income tax withholding
        at
        the source, plus amounts excludible from gross income under section 125(a),
        132(f)(4), 402(e)(3), 402(h)(1)(B), 402(k) or 457(b), without regard to rules
        that limit the remuneration included in wages based on the nature or location
        of
        the employment or the services performed); provided, however, that, with
        respect
        to a nonresident alien who is not a Participant in the Plan, compensation
        shall
        not include compensation that is not includible in the gross income of the
        Employee under Code Sections 872, 893, 894, 911, 931 and 933, provided such
        compensation is not effectively connected with the conduct of a trade or
        business within the United States.</font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">Notwithstanding
        anything in this paragraph to the contrary, (i) if a different definition
        of
        compensation has been designated by the Company with respect to another
        nonqualified deferred compensation plan in which a key employee participates,
        the definition of compensation shall be the definition provided in Treas.
        Reg.
        Section 1.409A-1(i)(2), and (ii) the Company may through action that is legally
        binding with respect to all nonqualified deferred compensation plans maintained
        by the Company, elect to use a different definition of
        compensation.</font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">In
        the event
        of corporate transactions described in Treas. Reg. Section 1.409A-1(i)(6),
        the
        identification of Specified Employees shall be determined in accordance with
        the
        default rules described therein, unless the Employer elects to utilize the
        available alternative methodology through designations made within the
        timeframes specified therein.</font></div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.42</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Specified
                  Employee Identification Date.</u> Specified Employee Identification Date
                  means September 30, unless the Employer has elected a different
                  date
                  through action that is legally binding with respect to all nonqualified
                  deferred compensation plans maintained by the
                  Employer.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.43</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Specified
                  Employee Effective Date. </u>Specified Employee Effective Date means the
                  first day of the fourth month following the Specified Employee
                  Identification Date, or such earlier date as is selected by the
                  Committee.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.44</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Substantial
                  Risk of Forfeiture.</u> Substantial Risk of Forfeiture shall have the
                  meaning specified in Treas. Reg. Section
                  1.409A-1(d).</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.45</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Termination
                  Benefit. </u>Termination Benefit means the benefit payable to a
                  Participant under the Plan following the Participant&#8217;s Separation from
                  Service prior to Retirement.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.46</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Unforeseeable
                  Emergency. </u>An Unforeseeable Emergency means a severe financial
                  hardship to the Participant resulting from an illness or accident
                  of the
                  Participant, the Participant&#8217;s spouse, the Participant&#8217;s dependent (as
                  defined in Code section 152(a)), or
                  a</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em><br>Page&#160;8
          of 31</em></font>&#160;</div>
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            </div>
          </div>
          <div id="PN" style="PAGE-BREAK-AFTER: always">
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
            </div>
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
              <hr style="COLOR: black" noshade size="2">
            </div>
          </div>
          <div>
            <div id="GLHDR" style="WIDTH: 100%" align="right">
            </div>
          </div>
          <div style="MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">Beneficiary;
            loss of the Participant&#8217;s property due to casualty (including the need to
            rebuild a home following damage to a home not otherwise covered by insurance,
            for example,&#160;&#160;as a result of a natural disaster); or other similar
            extraordinary and unforeseeable circumstances arising as a result of
            events
            beyond the control of the Participant. The types of events which may
            qualify as
            an Unforeseeable Emergency shall be specified by the Committee in administrative
            documents or forms.</font></div>
          <div><br></div>
        </div>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.47</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Valuation
                  Date. </u>Valuation Date shall mean each Business
                  Day.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">2.48</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Year
                  of Service</u>. A Year of Service shall mean each 12-month period of
                  continuous service with the
                  Employer.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Arial Narrow;"><strong>Article
        III</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Eligibility
        and Participation</em></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">3.1</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Eligibility
                  and Participation.</u> An Eligible Employee becomes a Participant upon the
                  earlier to occur of (i) a credit of Company Contributions under
                  Article V
                  or (ii) receipt of notification of eligibility to
                  participate.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">3.2&#160;&#160;</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Duration.</u>
                  A Participant shall be eligible to defer Compensation and receive
                  allocations of Company Contributions, subject to the terms of the
                  Plan,
                  for as long as such Participant remains an Eligible Employee. A
                  Participant who is no longer an Eligible Employee but has not Separated
                  from Service may not defer Compensation under the Plan but may
                  otherwise
                  exercise all of the rights of a Participant under the Plan with
                  respect to
                  his or her Account(s). On and after a Separation from Service,
                  a
                  Participant shall remain a Participant as long as his or her Account
                  Balance is greater than zero and during such time may continue
                  to make
                  allocation elections as provided in Section 8.4. An individual
                  shall cease
                  being a Participant in the Plan when all benefits under the Plan
                  to which
                  he or she is entitled have been
                  paid</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Arial Narrow;"><strong>Article
        IV</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Deferrals</em></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">4.1&#160;&#160;</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Deferral
                  Elections, Generally.</u></font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div>&#160;</div>
              </td>
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">(a)</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">An
                  Eligible Employee shall submit a Compensation Deferral Agreement
                  during
                  the enrollment periods established by the Committee and in the
                  manner
                  specified by the Committee, but in any event, in accordance with
                  Section
                  4.2. A Compensation Deferral Agreement that is not timely filed
                  with
                  respect to a service period or component of Compensation shall
                  be
                  considered void and shall have no effect with respect to such service
                  period or Compensation. The </font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em><br>Page&#160;9
          of 31</em></font>&#160;</div>
        <div id="PGBRK" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
          <div id="FTR">
            <div id="GLFTR" style="WIDTH: 100%" align="left">
            </div>
          </div>
          <div id="PN" style="PAGE-BREAK-AFTER: always">
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
            </div>
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
              <hr style="COLOR: black" noshade size="2">
            </div>
          </div>
          <div>
            <div id="GLHDR" style="WIDTH: 100%" align="right">
            </div>
          </div>
          <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">Committee
            may
            modify any Compensation Deferral Agreement prior to the date the election
            becomes irrevocable under the rules of Section 4.2.</font></div>
          <div><br></div>
        </div>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div>&#160;</div>
              </td>
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">(b)</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">The
                  Participant shall specify on his or her Compensation Deferral Agreement
                  whether to allocate Deferrals to a Retirement/Termination Account
                  or to a
                  Specified Date Account. If no designation is made, all Deferrals
                  shall be
                  allocated to the Retirement/Termination Account. A Participant
                  may also
                  specify in his or her Compensation Deferral Agreement the Payment
                  Schedule
                  applicable to his or her Plan Accounts. If the Payment Schedule
                  is not
                  specified in a Compensation Deferral Agreement, the Payment Schedule
                  shall
                  be the Payment Schedule specified in Section
                  6.2.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">4.2&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
        &#160;&#160;<u>Timing Requirements for Compensation Deferral
        Agreements.</u></font></div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div>&#160;</div>
              </td>
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">(a)&#160;
                  </font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>First
                  Year of Eligibility.</em> In the case of the first year in which an
                  Eligible Employee becomes eligible to participate in the Plan,
                  he has up
                  to 30 days following his initial eligibility to submit a Compensation
                  Deferral Agreement with respect to Compensation to be earned during
                  such
                  year. The Compensation Deferral Agreement described in this paragraph
                  becomes irrevocable upon the end of such 30-day period. The determination
                  of whether an Eligible Employee may file a Compensation Deferral
                  Agreement
                  under this paragraph shall be determined in accordance with the
                  rules of
                  Code Section 409A, including the provisions of Treas. Reg. Section
                  1.409A-2(a)(7).</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 72pt">
                <div>&#160;</div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">A
                  Compensation Deferral Agreement filed under this paragraph applies
                  to
                  Compensation earned on and after the date the Compensation Deferral
                  Agreement becomes irrevocable.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 72pt">
                <div><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">(b)&#160;&#160;</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Prior
                  Year Election.</em> Except as otherwise provided in this Section 4.2,
                  Participants may defer Compensation by filing a Compensation Deferral
                  Agreement no later than December 31 of the year prior to the year
                  in which
                  the Compensation to be deferred is earned. A Compensation Deferral
                  Agreement described in this paragraph shall become irrevocable
                  with
                  respect to such Compensation as of January 1 of the year in which
                  such
                  Compensation is earned.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 72pt">
                <div><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">(c)&#160;&#160;</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Performance-Based
                  Compensation.</em> Participants may file a Compensation Deferral Agreement
                  with respect to Performance-Based Compensation no later than the
                  date that
                  is six months before the end of the performance period, provided
                  that:</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 72pt">
                <div>&#160;</div>
              </td>
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">i.</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">the
                  Participant performs services continuously from the later of the
                  beginning
                  of the performance period or the date the criteria are established
                  through
                  the date the Compensation Deferral Agreement is submitted;
                  and</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em><br>Page&#160;10
          of 31</em></font>&#160;</div>
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          <div id="FTR">
            <div id="GLFTR" style="WIDTH: 100%" align="left">
            </div>
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          <div id="PN" style="PAGE-BREAK-AFTER: always">
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
            </div>
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
              <hr style="COLOR: black" noshade size="2">
            </div>
          </div>
          <div>
            <div id="GLHDR" style="WIDTH: 100%" align="right">
            </div>
          </div>
          <div>
            <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

                <tr valign="top">
                  <td style="WIDTH: 72pt">
                    <div>&#160;</div>
                  </td>
                  <td style="WIDTH: 36pt">
                    <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">ii.</font></div>
                  </td>
                  <td>
                    <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">the
                      Compensation is not readily ascertainable as of the date the
                      Compensation
                      Deferral Agreement is filed.</font></div>
                  </td>
                </tr>

            </table>
          </div>
          <div><br></div>
        </div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">A
        Compensation Deferral Agreement becomes irrevocable with respect to
        Performance-Based Compensation as of the day immediately following the latest
        date for filing such election. Any election to defer Performance-Based
        Compensation that is made in accordance with this paragraph and that becomes
        payable as a result of the Participant&#8217;s death or Disability or upon a Change in
        Control prior to the satisfaction of the performance criteria, will be
        void.</font></div>
      <div><br></div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 72pt">
                <div><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">(d)&#160;&#160;</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Sales
                  Commissions.</em> Sales commissions (as defined in Treas. Reg. Section
                  1.409A-2(a)(12)(i)) are considered to be earned in the taxable
                  year of the
                  Participant in which the sale occurs.&#160;&#160;The Compensation Deferral
                  Agreement must be filed before the last day of the year preceding
                  the year
                  in which the sales commissions are earned and becomes irrevocable
                  after
                  that date.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 72pt">
                <div><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">(e)&#160;&#160;</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Investment
                  Commissions.</em> Investment commissions (as defined in Treas. Reg.
                  Section 1.409A-2(a)(12)(ii)) are considered to be earned in the
                  12-month
                  period immediately preceding the date assets are valued for purposes
                  of
                  calculating the commission. Investment Commissions must be deferred
                  under
                  the timing rules set forth in this Section
                  4.2.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 72pt">
                <div><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">(f)&#160;&#160;</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Fiscal
                  Year Compensation.</em> A Participant may defer Fiscal Year Compensation
                  by filing a Compensation Deferral Agreement prior to the first
                  day of the
                  fiscal year or years in which such Fiscal Year Compensation is
                  earned. The
                  Compensation Deferral Agreement described in this paragraph becomes
                  irrevocable on the first day of the fiscal year or years to which
                  it
                  applies.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 72pt">
                <div><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">(g)&#160;&#160;</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Short-Term
                  Deferrals.</em> Compensation that meets the definition of a &#8220;short-term
                  deferral&#8221; described in Treas. Reg. Section 1.409A-1(b)(4) may be deferred
                  in accordance with the rules of Article VII, applied as if the
                  date the
                  Substantial Risk of Forfeiture lapses is the date payments were
                  originally
                  scheduled to commence, provided, however, that the provisions of
                  Section
                  7.3 shall not apply to payments attributable to a Change in
                  Control.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 72pt">
                <div><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">(h)&#160;&#160;</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Certain
                  Forfeitable Rights.</em> With respect to a legally binding right to a
                  payment in a subsequent year that is subject to a forfeiture condition
                  requiring the Participant&#8217;s continued services for a period of at least
                  twelve months from the date the Participant obtains the legally
                  binding
                  right, an election to defer such Compensation may be made on or
                  before the
                  30th day after the Participant obtains the legally binding right
                  to the
                  Compensation, provided that the election is made at least twelve
                  months in
                  advance of the earliest date at which the forfeiture condition
                  could
                  lapse. The Compensation Deferral Agreement described in this paragraph
                  becomes irrevocable after such 30th day. If the forfeiture
                  condition</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em><br>Page&#160;11
          of 31</em></font>&#160;</div>
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            </div>
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            <div style="WIDTH: 100%; TEXT-ALIGN: center">
            </div>
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
              <hr style="COLOR: black" noshade size="2">
            </div>
          </div>
          <div>
            <div id="GLHDR" style="WIDTH: 100%" align="right">
            </div>
          </div>
          <div style="MARGIN-LEFT: 72pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">applicable
            to
            the payment lapses before the end of the required service period as a
            result of
            the Participant&#8217;s death or Disability or upon a Change in Control, the
            Compensation Deferral Agreement will be void unless it would be considered
            timely under another rule described in this Section.</font></div>
          <div><br></div>
        </div>
      </div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 72pt">
                <div><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">(i)&#160;&#160;</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Company
                  Awards.</em> Participating Employers may unilaterally provide for
                  deferrals of Company awards prior to the date of such awards. Deferrals
                  of
                  Company awards (such as sign-on, retention, or severance pay) may
                  be
                  negotiated with a Participant prior to the date the Participant
                  has a
                  legally binding right to such
                  Compensation.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 72pt">
                <div><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">(j)&#160;&#160;</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>&#8220;Evergreen&#8221;
                  Deferral Elections.</em> The Committee, in its discretion, may provide in
                  the Compensation Deferral Agreement that such Compensation Deferral
                  Agreement will continue in effect for each subsequent year or performance
                  period. Such &#8220;evergreen&#8221; Compensation Deferral Agreements will become
                  effective with respect to an item of Compensation on the date such
                  election becomes irrevocable under this Section 4.2. An evergreen
                  Compensation Deferral Agreement may be terminated or modified
                  prospectively with respect to Compensation for which such election
                  remains
                  revocable under this Section 4.2. A Participant whose Compensation
                  Deferral Agreement is cancelled in accordance with Section 4.6
                  will be
                  required to file a new Compensation Deferral Agreement under this
                  Article
                  IV in order to recommence Deferrals under the
                  Plan.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">4.3</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Allocation
                  of Deferrals. </u>A Compensation Deferral Agreement may allocate Deferrals
                  to one or more Specified Date Accounts and/or to the
                  Retirement/Termination Account. The Committee may, in its discretion,
                  establish a minimum deferral period for Specified Date Accounts
                  (for
                  example, the third Plan Year following the year Compensation subject
                  to
                  the Compensation Deferral Agreement is
                  earned).</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">4.4</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Deductions
                  from Pay.</u> The Committee has the authority to determine the payroll
                  practices under which any component of Compensation subject to
                  a
                  Compensation Deferral Agreement will be deducted from a Participant&#8217;s
                  Compensation.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">4.5</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Vesting.
                  </u>Participant Deferrals shall be 100% vested at all
                  times.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">4.6</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Cancellation
                  of Deferrals.</u> The Committee may cancel a Participant&#8217;s Deferrals (i)
                  for the balance of the Plan Year in which an Unforeseeable Emergency
                  payment is made, (ii) if the Participant receives a hardship distribution
                  under the Employer&#8217;s qualified 401(k) plan, through the end of the Plan
                  Year in which the six-month anniversary of the hardship distribution
                  falls, and (iii) during periods in which the Participant is unable
                  to
                  perform the duties of his or her position or any substantially
                  similar
                  position due to a mental or physical impairment that can be expected
                  to
                  result in death or last for a continuous period of at least six
                  months. In
                  the event a Participant receives a voluntary withdrawal from a
                  </font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em><br>Page&#160;12
          of 31</em></font>&#160;</div>
        <div id="PGBRK" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
          <div id="FTR">
            <div id="GLFTR" style="WIDTH: 100%" align="left">
            </div>
          </div>
          <div id="PN" style="PAGE-BREAK-AFTER: always">
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
            </div>
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
              <hr style="COLOR: black" noshade size="2">
            </div>
          </div>
          <div>
            <div id="GLHDR" style="WIDTH: 100%" align="right">
            </div>
          </div>
          <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">Grandfathered
            Account, the Participant shall not be permitted to make Deferrals to
            the Plan in
            the Plan Year following the Plan Year in which the withdrawal is
            made.</font></div>
          <div><br></div>
        </div>
      </div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Arial Narrow;"><strong>Article
        V</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Company
        Contributions</em></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">5.1</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Discretionary
                  Company Contributions.</u> The Company may, from time to time in its sole
                  and absolute discretion, credit Company Contributions to any Participant
                  in any amount determined by the Company. Such contributions will
                  be
                  credited to a Participant&#8217;s Retirement/Termination
                  Account.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">5.2</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Vesting.
                  </u>Company Contributions described in Section 5.1, above, and
                  the
                  Earnings thereon, shall vest in accordance with the vesting schedule(s)
                  established by the Committee at the time that the Company Contribution
                  is
                  made.&#160;&#160;The Participating Employer may, at any time, in its sole
                  discretion, increase a Participant&#8217;s vested interest in a Company
                  Contribution. The portion of a Participant&#8217;s Accounts that remains
                  unvested upon his or her Separation from Service after the application
                  of
                  the terms of this Section 5.2 shall be
                  forfeited.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Arial Narrow;"><strong>Article
        VI</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Benefits</em></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">6.1</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Benefits,
                  Generally.</u> A Participant shall be entitled to the following benefits
                  under the Plan:</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 72pt">
                <div><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>(a)&#160;&#160;</em></font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Retirement
                  Benefit.</em> Upon the Participant&#8217;s Separation from Service due to
                  Retirement, he or she shall be entitled to a Retirement Benefit.
                  The
                  Retirement Benefit shall be equal to the vested portion of the
                  Retirement/Termination Account and the vested portion of balances
                  in any
                  Specified Date Accounts that are not in &#8220;pay status&#8221;. The Retirement
                  Benefit shall be based on the value of that Account as of the end
                  of the
                  month in which Separation from Service occurs. Payment of the Retirement
                  Benefit will be made or begin on or after the first day of the
                  month
                  following the month in which Separation from Service occurs, provided,
                  however, that with respect to a Participant who is a Specified
                  Employee as
                  of the date such Participant incurs a Separation from Service,
                  payment
                  will be made or begin on the first day of the seventh month following
                  the
                  month in which such Separation from Service occurs. If the Retirement
                  Benefit is to be paid in the form of installments, any subsequent
                  installment payments to a Specified Employee will be paid on the
                  anniversary of the date the first payment would have been made
                  had the
                  Participant not been classified as a Specified
                  Employee.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em><br>Page&#160;13
          of 31</em></font>&#160;</div>
        <div id="PGBRK" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
          <div id="FTR">
            <div id="GLFTR" style="WIDTH: 100%" align="left">
            </div>
          </div>
          <div id="PN" style="PAGE-BREAK-AFTER: always">
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
            </div>
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
              <hr style="COLOR: black" noshade size="2">
            </div>
          </div>
          <div id="HDR">
            <div id="GLHDR" style="WIDTH: 100%" align="right">
            </div><br></div>
        </div>
      </div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 72pt">
                <div><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>(b)&#160;&#160;</em></font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Termination
                  Benefit.</em> Upon the Participant&#8217;s Separation from Service for reasons
                  other than death, Disability or Retirement, he or she shall be
                  entitled to
                  a Termination Benefit. The Termination Benefit shall be equal to
                  the
                  vested portion of the Retirement/Termination Account and the vested
                  portion of any unpaid balances in any Specified Date Accounts.
                  The
                  Termination Benefit shall be based on the value of the
                  Retirement/Termination Account as of the end of the month in which
                  Separation from Service occurs. Payment of the Termination Benefit
                  will be
                  made or begin on or after the first day of the month following
                  the month
                  in which Separation from Service occurs, provided, however, that
                  with
                  respect to a Participant who is a Specified Employee as of the
                  date such
                  Participant incurs a Separation from Service, payment will be made
                  or
                  begin on the first day of the seventh month following the month
                  in which
                  such Separation from Service
                  occurs.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 72pt">
                <div><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>(c)&#160;&#160;</em></font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Specified
                  Date Benefit.</em> If the Participant has established one or more
                  Specified Date Accounts, he or she shall be entitled to a Specified
                  Date
                  Benefit with respect to each such Specified Date Account. The Specified
                  Date Benefit shall be equal to the vested portion of the Specified
                  Date
                  Account, based on the value of that Account as of the end of the
                  month
                  designated by the Participant at the time the Account was established.
                  Payment of the Specified Date Benefit will be made or begin on
                  or after
                  the first day of the month following the designated
                  month.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 72pt">
                <div><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>(d)&#160;&#160;</em></font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Disability
                  Benefit.</em> Upon a determination by the Committee that a Participant
                  is
                  Disabled, he or she shall be entitled to a Disability Benefit.
                  The
                  Disability Benefit shall be equal to the vested portion of the
                  Retirement/Termination Account and the vested portion of any unpaid
                  balances in any Specified Date Accounts. The Disability Benefit
                  shall be
                  based on the value of the Accounts as of the last day of the month
                  in
                  which Disability occurs and will be paid on or after the first
                  day of the
                  following month.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 72pt">
                <div><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>(e)&#160;&#160;</em></font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Death
                  Benefit</em><em>.</em> In the event of the Participant&#8217;s death, his or her
                  designated Beneficiary(ies) shall be entitled to a Death Benefit.
                  The
                  Death Benefit shall be equal to the vested portion of the
                  Retirement/Termination Account and the vested portion of any unpaid
                  balances in any Specified Date Accounts. The Death Benefit shall
                  be based
                  on the value of the Accounts as of the end of the month in which
                  death
                  occurred, with payment made on or after the first day of the following
                  month.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 72pt">
                <div><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>(f)&#160;&#160;</em></font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Unforeseeable
                  Emergency Payments.</em> A Participant who experiences an Unforeseeable
                  Emergency may submit a written request to the Committee to receive
                  payment
                  of all or any portion of his or her vested Accounts. Whether a
                  Participant
                  or Beneficiary is faced with an Unforeseeable Emergency permitting
                  an
                  emergency payment shall be determined by the Committee based on
                  the
                  relevant facts and circumstances of each case, but, in any case,
                  a
                  distribution on </font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em><br>Page&#160;14
        of 31</em></font>&#160;</div>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
          </div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: black" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div>
      <div style="MARGIN-LEFT: 72pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">account
        of
        Unforeseeable Emergency may not be made to the extent that such emergency
        is or
        may be reimbursed through insurance or otherwise, by liquidation of the
        Participant&#8217;s assets, to the extent the liquidation of such assets would not
        cause severe financial hardship, or by cessation of Deferrals under this
        Plan.
        If an emergency payment is approved by the Committee, the amount of the payment
        shall not exceed the amount reasonably necessary to satisfy the need, taking
        into account the additional compensation that is available to the Participant
        as
        the result of cancellation of deferrals to the Plan, including amounts necessary
        to pay any taxes or penalties that the Participant reasonably anticipates
        will
        result from the payment. The amount of the emergency payment shall be subtracted
        first from the vested portion of the Participant's Retirement/Termination
        Account until depleted and then from the vested Specified Date Accounts,
        beginning with the Specified Date Account with the latest payment commencement
        date. Emergency payments shall be paid in a single lump sum within the 90-day
        period following the date the payment is approved by the Committee.</font></div>
      <div><br>&#160;</div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 72pt">
                <div><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>(g)&#160;&#160;</em></font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Voluntary
                  Withdrawals of Grandfathered Accounts.</em> A Participant may elect at any
                  time to voluntarily withdraw the amounts credited to his or her
                  Grandfathered Account. If such a withdrawal is requested, the Participant
                  shall forfeit an amount equal to 10% of the balance of the Grandfathered
                  Account.&#160;&#160;The Plan as it pertains to Grandfathered Accounts is
                  hereby modified in accordance with Reg. 1.409A -6(a)(4)(i)(B),
                  such that
                  the Deferrals of a Participant receiving a voluntary withdrawal
                  in
                  accordance herewith shall not be cancelled or revoked during the
                  remainder
                  of the Plan Year in which the voluntary withdrawal occurred, but
                  said
                  Participant shall not be permitted to make Deferrals to the Plan
                  in the
                  Plan Year following the Plan Year in which the withdrawal is
                  made.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">6.2</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Form
                  of Payment.</u></font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 72pt">
                <div><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>(a)&#160;&#160;</em></font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Retirement
                  Benefit.</em> A Participant who is entitled to receive a Retirement
                  Benefit shall receive payment of such benefit in a single lump
                  sum, unless
                  the Participant elects on his or her initial Compensation Deferral
                  Agreement to have such benefit paid in one of the following alternative
                  forms of payment (i) substantially equal annual installments over
                  a period
                  of two to five years, as elected by the Participant; or (ii) a
                  lump sum
                  payment of a percentage of the balance in the Retirement/ Termination
                  Account, with the balance paid in substantially equal annual installments
                  over a period of two to five years, as elected by the
                  Participant.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 72pt">
                <div><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>(b)&#160;&#160;</em></font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Termination
                  Benefit.</em> A Participant who is entitled to receive a Termination
                  Benefit shall receive payment of such benefit in a single lump
                  sum.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 72pt">
                <div><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>(c)&#160;&#160;</em></font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Specified
                  Date Benefit.</em> The Specified Date Benefit shall be paid in a single
                  lump sum, unless the Participant elects on the Compensation Deferral
                  Agreement with </font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em><br>Page&#160;15
          of 31</em></font>&#160;</div>
        <div id="PGBRK" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
          <div id="FTR">
            <div id="GLFTR" style="WIDTH: 100%" align="left">
            </div>
          </div>
          <div id="PN" style="PAGE-BREAK-AFTER: always">
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
            </div>
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
              <hr style="COLOR: black" noshade size="2">
            </div>
          </div>
          <div>
            <div id="GLHDR" style="WIDTH: 100%" align="right">
            </div>
          </div>
          <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">which
            the
            account was established to have the Specified Date Account paid in substantially
            equal annual installments over a period of two to five years, as elected
            by the
            Participant.</font></div>
          <div><br></div>
        </div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">Notwithstanding
        any election of a form of payment by the Participant, upon a Separation from
        Service the unpaid balance of a Specified Date Account shall be paid in
        accordance with the form of payment applicable to the Retirement Benefit
        or
        Termination Benefit, as applicable, if the Participant Separates from Service
        prior to the date the Specified Date Account has been fully paid.</font></div>
      <div><br></div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 72pt">
                <div><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>(d)&#160;&#160;</em></font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Disability
                  Benefit.</em> A Participant who is entitled to receive a Disability
                  Benefit shall receive payment of such benefit in a single lump
                  sum.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 72pt">
                <div><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>(e)&#160;&#160;</em></font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Death
                  Benefit.</em> A Designated Beneficiary who is entitled to receive a Death
                  Benefit shall receive payment of such benefit in a single lump
                  sum.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 72pt">
                <div><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>(f)&#160;&#160;</em></font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Small
                  Account Balances.</em> The Committee may, in its sole discretion which
                  shall be evidenced in writing no later than the date of payment,
                  elect to
                  pay the value of the Participant&#8217;s Accounts upon a Separation from Service
                  in a single lump sum if the balance of such Accounts is not greater
                  than
                  the applicable dollar amount under Code Section 402(g)(1)(B), provided
                  the
                  payment represents the complete liquidation of the Participant&#8217;s interest
                  in the Plan.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 72pt">
                <div><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>(g)&#160;&#160;</em></font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Rules
                  Applicable to Installment Payments.</em> If a Payment Schedule specifies
                  installment payments, annual payments will be made beginning as
                  of the
                  payment commencement date for such installments and shall continue
                  on each
                  anniversary thereof until the number of installment payments specified
                  in
                  the Payment Schedule has been paid. The amount of each installment
                  payment
                  shall be determined by dividing (a) by (b), where (a) equals the
                  Account
                  Balance as of the Valuation Date and (b) equals the remaining number
                  of
                  installment payments.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">For
        purposes
        of Article VII, installment payments will be treated as a single form of
        payment. If a lump sum equal to less than 100% of the Retirement/Termination
        Account is paid, the payment commencement date for the installment form of
        payment will be the first anniversary of the payment of the lump
        sum.</font></div>
      <div><br></div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">6.3</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Acceleration
                  of or Delay in Payments. </u>The Committee, in its sole and absolute
                  discretion, may elect to accelerate the time or form of payment
                  of a
                  benefit owed to the Participant hereunder, provided such acceleration
                  is
                  permitted under Treas. Reg. Section 1.409A-3(j)(4). The Committee
                  may
                  also, in its sole and absolute discretion, delay the time for payment
                  of a
                  benefit owed to the Participant hereunder, to the extent permitted
                  under
                  Treas. Reg. Section 1.409A-2(b)(7). If the Plan receives a domestic
                  relations order (within the meaning of Code Section 414(p)(1)(B))
                  directing that all or a portion of a
</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em><br>Page&#160;16
        of 31</em></font>&#160;</div>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
          </div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: black" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div>
      <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">Participant&#8217;s
        Accounts be paid to an &#8220;alternate payee,&#8221; any amounts to be paid to the
        alternate payee(s) shall be paid in a single lump sum.<br></font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Arial Narrow;"><strong>Article
        VII</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Modifications
        to Payment Schedules</em></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">7.1</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Participant&#8217;s
                  Right to Modify. </u>A Participant may modify any or all of the
                  alternative Payment Schedules with respect to an Account, consistent
                  with
                  the permissible Payment Schedules available under the Plan, provided
                  such
                  modification complies with the requirements of this Article
                  VII.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">7.2</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Time
                  of Election. </u>The date on which a modification election is submitted to
                  the Committee must be at least twelve months prior to the date
                  on which
                  payment is scheduled to commence under the Payment Schedule in
                  effect
                  prior to the modification.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">7.3</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Date
                  of Payment under Modified Payment Schedule.</u> Except with respect to
                  modifications that relate to the payment of a Death Benefit or
                  a
                  Disability Benefit, the date payments are to commence under the
                  modified
                  Payment Schedule must be no earlier than five years after the date
                  payment
                  would have commenced under the original Payment Schedule. Under
                  no
                  circumstances may a modification election result in an acceleration
                  of
                  payments in violation of Code Section
                  409A.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">7.4</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Effective
                  Date. </u>A modification election submitted in accordance with this
                  Article VII is irrevocable upon receipt by the Committee and becomes
                  effective 12 months after such
                  date.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">7.5</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Effect
                  on Accounts.</u> An election to modify a Payment Schedule is specific to
                  the Account or payment event to which it applies, and shall not
                  be
                  construed to affect the Payment Schedules of any other
                  Accounts.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">7.6</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Modifications
                  to Grandfathered Accounts.</u> Notwithstanding the preceding provisions of
                  this Article VII, a Participant may modify the time or form of
                  payment
                  applicable to a Grandfathered Account at any time, provided the
                  modification is submitted in writing at least 13 months in advance
                  of the
                  date the Grandfathered Account is scheduled to be
                  paid.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em><br>Page&#160;17
          of 31</em></font>&#160;</div>
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          <div id="FTR">
            <div id="GLFTR" style="WIDTH: 100%" align="left">
            </div>
          </div>
          <div id="PN" style="PAGE-BREAK-AFTER: always">
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
            </div>
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
              <hr style="COLOR: black" noshade size="2">
            </div>
          </div>
          <div id="HDR">
            <div id="GLHDR" style="WIDTH: 100%" align="right">
            </div><br></div>
        </div>
      </div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Arial Narrow;"><strong>Article
        VIII</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Valuation
        of Account Balances; Investments</em></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">8.1</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Valuation.</u>
                  Deferrals shall be credited to appropriate Accounts on the date
                  such
                  Compensation would have been paid to the Participant absent the
                  Compensation Deferral Agreement. Company Contributions shall be
                  credited
                  to the Retirement/Termination Account at the times determined by
                  the
                  Committee. Valuation of Accounts shall be performed under procedures
                  approved by the Committee.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">8.2</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Earnings
                  Credit. </u>Each Account will be credited with Earnings on each Business
                  Day, based upon the Participant&#8217;s investment allocation among a menu of
                  investment options selected in advance by the Committee, in accordance
                  with the provisions of this Article VIII (&#8220;investment
                  allocation&#8221;).</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">8.3</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Investment
                  Options</u>. Investment options will be determined by the Committee. The
                  Committee, in its sole discretion, shall be permitted to add or
                  remove
                  investment options from the Plan menu from time to time, provided
                  that any
                  such additions or removals of investment options shall not be effective
                  with respect to any period prior to the effective date of such
                  change.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">8.4</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Investment
                  Allocations.</u> A Participant&#8217;s investment allocation constitutes a
                  deemed, not actual, investment among the investment options comprising
                  the
                  investment menu. At no time shall a Participant have any real or
                  beneficial ownership in any investment option included in the investment
                  menu, nor shall the Participating Employer or any trustee acting
                  on its
                  behalf have any obligation to purchase actual securities as a result
                  of a
                  Participant&#8217;s investment allocation. A Participant&#8217;s investment allocation
                  shall be used solely for purposes of adjusting the value of a
                  Participant&#8217;s Account Balances.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">A
        Participant
        shall specify an investment allocation for each of his Accounts in accordance
        with procedures established by the Committee.&#160;&#160;Allocation among the
        investment options must be designated in increments of 1%. The Participant&#8217;s
        investment allocation will become effective on the same Business Day or,
        in the
        case of investment allocations received after a time specified by the Committee,
        the next Business Day.</font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">A
        Participant
        may change an investment allocation on any Business Day, both with respect
        to
        future credits to the Plan and with respect to existing Account Balances,
        in
        accordance with procedures adopted by the Committee. Changes shall become
        effective on the same Business Day or, in the case of investment allocations
        received after a time specified by the Committee, the next Business Day,
        and
        shall be applied prospectively.</font></div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">8.5</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Unallocated
                  Deferrals and Accounts.</u> If the Participant fails to make an investment
                  allocation with respect to an Account, such Account shall be invested
                  in
                  an investment </font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em><br>Page&#160;18
          of 31</em></font>&#160;</div>
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            </div>
          </div>
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            <div style="WIDTH: 100%; TEXT-ALIGN: center">
            </div>
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
              <hr style="COLOR: black" noshade size="2">
            </div>
          </div>
          <div id="HDR" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; MARGIN-RIGHT: 0pt">
            <div id="GLHDR" style="WIDTH: 100%" align="right">
            </div>option, the primary
            objective of which is the preservation of capital, as determined by the
            Committee.<br></div>
        </div>
      </div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Arial Narrow;"><strong>Article
        IX</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Administration</em></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">9.1</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Plan
                  Administration</u>. This Plan shall be administered by the Committee which
                  shall have discretionary authority to make, amend, interpret and
                  enforce
                  all appropriate rules and regulations for the administration of
                  this Plan
                  and to utilize its discretion to decide or resolve any and all
                  questions,
                  including but not limited to eligibility for benefits and interpretations
                  of this Plan and its terms, as may arise in connection with the
                  Plan.
                  Claims for benefits shall be filed with the Committee and resolved
                  in
                  accordance with the claims procedures in Article
                  XII.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">9.2</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Administration
                  Upon Change in Control.</u> Upon a Change in Control, the Committee, as
                  constituted immediately prior to such Change in Control, shall
                  continue to
                  act as the Committee. The individual who was the Chief Executive
                  Officer
                  of the Company (or if such person is unable or unwilling to act,
                  the next
                  highest ranking officer) prior to the Change in Control shall have
                  the
                  authority (but shall not be obligated) to appoint an independent
                  third
                  party to act as the Committee.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">Upon
        such
        Change in Control, the Company may not remove the Committee, unless 2/3rds
        of
        the members of the Board of Directors of the Company and a majority of
        Participants and Beneficiaries with Account Balances consent to the removal
        and
        replacement Committee. Notwithstanding the foregoing, neither the Committee
        nor
        the officer described above shall have authority to direct investment of
        trust
        assets under any rabbi trust described in Section 11.2.</font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">The
        Participating Employer shall, with respect to the Committee identified under
        this Section, (i) pay all reasonable expenses and fees of the Committee,
        (ii)
        indemnify the Committee (including individuals serving as Committee) against
        any
        costs, expenses and liabilities including, without limitation, attorneys&#8217; fees
        and expenses arising in connection with the performance of the Committee
        hereunder, except with respect to matters resulting from the Committee&#8217;s gross
        negligence or willful misconduct and (iii) supply full and timely information
        to
        the Committee on all matters related to the Plan, any rabbi trust, Participants,
        Beneficiaries and Accounts as the Committee may reasonably require.</font></div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">9.3</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Withholding.</u>
                  The Participating Employer shall have the right to withhold from
                  any
                  payment due under the Plan (or with respect to any amounts credited
                  to the
                  Plan) any taxes required by law to be withheld in respect of such
                  payment
                  (or credit). Withholdings with respect to amounts credited to the
                  Plan
                  shall be deducted from Compensation that has not been deferred
                  to the
                  Plan.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em><br>Page&#160;19
          of 31</em></font>&#160;</div>
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          <div id="FTR">
            <div id="GLFTR" style="WIDTH: 100%" align="left">
            </div>
          </div>
          <div id="PN" style="PAGE-BREAK-AFTER: always">
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
            </div>
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
              <hr style="COLOR: black" noshade size="2">
            </div>
          </div>
          <div id="HDR">
            <div id="GLHDR" style="WIDTH: 100%" align="right">
            </div><br></div>
        </div>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">9.4</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Indemnification.</u>
                  The Participating Employers shall indemnify and hold harmless each
                  employee, officer, director, agent or organization, to whom or
                  to which
                  are delegated duties, responsibilities, and authority under the
                  Plan or
                  otherwise with respect to administration of the Plan, including,
                  without
                  limitation, the Committee and its agents, against all claims, liabilities,
                  fines and penalties, and all expenses reasonably incurred by or
                  imposed
                  upon him or it (including but not limited to reasonable attorney
                  fees)
                  which arise as a result of his or its actions or failure to act
                  in
                  connection with the operation and administration of the Plan to
                  the extent
                  lawfully allowable and to the extent that such claim, liability,
                  fine,
                  penalty, or expense is not paid for by liability insurance purchased
                  or
                  paid for by the Participating Employer. Notwithstanding the foregoing,
                  the
                  Participating Employer shall not indemnify any person or organization
                  if
                  his or its actions or failure to act are due to gross negligence
                  or
                  willful misconduct or for any such amount incurred through any
                  settlement
                  or compromise of any action unless the Participating Employer consents
                  in
                  writing to such settlement or
                  compromise.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">9.5</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Delegation
                  of Authority.</u> In the administration of this Plan, the Committee may,
                  from time to time, employ agents and delegate to them such administrative
                  duties as it sees fit, and may from time to time consult with legal
                  counsel who shall be legal counsel to the
                  Company.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">9.6</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Binding
                  Decisions or Actions.</u> The decision or action of the Committee in
                  respect of any question arising out of or in connection with the
                  administration, interpretation and application of the Plan and
                  the rules
                  and regulations thereunder shall be final and conclusive and binding
                  upon
                  all persons having any interest in the
                  Plan.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Arial Narrow;"><strong>Article
        X</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Amendment
        and Termination</em></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">10.1</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Amendment
                  and Termination.</u> The Company may at any time and from time to time
                  amend the Plan or may terminate the Plan as provided in this Article
                  X.
                  Each Participating Employer may also terminate its participation
                  in the
                  Plan.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">10.2</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Amendments.</u>
                  The Company, by action taken by its Board of Directors, may amend
                  the Plan
                  at any time and for any reason, provided that any such amendment
                  shall not
                  reduce the vested Account Balances of any Participant accrued as
                  of the
                  date of any such amendment or restatement (as if the Participant
                  had
                  incurred a voluntary Separation from Service on such date) or reduce
                  any
                  rights of a Participant under the Plan or other Plan features with
                  respect
                  to Deferrals made prior to the date of any such amendment or restatement
                  without the consent of the Participant. The Board of Directors
                  of the
                  Company may delegate to the Committee the authority to amend the
                  Plan
                  without the consent of the Board of Directors for the purpose of
                  (i)
                  conforming the Plan to the requirements of law, (ii) facilitating
                  the
                  administration of the Plan, (iii) clarifying
</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em><br>Page&#160;20
          of 31</em></font>&#160;</div>
        <div id="PGBRK" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
          <div id="FTR">
            <div id="GLFTR" style="WIDTH: 100%" align="left">
            </div>
          </div>
          <div id="PN" style="PAGE-BREAK-AFTER: always">
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
            </div>
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
              <hr style="COLOR: black" noshade size="2">
            </div>
          </div>
          <div>
            <div id="GLHDR" style="WIDTH: 100%" align="right">
            </div>
          </div>
          <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">provisions
            based on the Committee&#8217;s interpretation of the document and (iv) making such
            other amendments as the Board of Directors may authorize.</font></div>
          <div><br></div>
        </div>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">10.3</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Termination.</u>
                  The Company, by action taken by its Board of Directors, may terminate
                  the
                  Plan and pay Participants and Beneficiaries their Account Balances
                  in a
                  single lump sum at any time, to the extent and in accordance with
                  Treas.
                  Reg. Section 1.409A-3(j)(4)(ix). If a Participating Employer terminates
                  its participation in the Plan, the benefits of affected Employees
                  shall be
                  paid at the time provided in Article
                  VI.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">10.4</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Accounts
                  Taxable Under Code Section 409A.</u> The Plan is intended to constitute a
                  plan of deferred compensation that meets the requirements for deferral
                  of
                  income taxation under Code Section 409A. The Committee, pursuant
                  to its
                  authority to interpret the Plan, may sever from the Plan or any
                  Compensation Deferral Agreement any provision or exercise of a
                  right that
                  otherwise would result in a violation of Code Section
                  409A.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Arial Narrow;"><strong>Article
        XI</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Informal
        Funding</em></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">11.1</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>General
                  Assets.</u> Obligations established under the terms of the Plan may be
                  satisfied from the general funds of the Participating Employers,
                  or a
                  trust described in this Article XI. No Participant, spouse or Beneficiary
                  shall have any right, title or interest whatever in assets of the
                  Participating Employers. Nothing contained in this Plan, and no
                  action
                  taken pursuant to its provisions, shall create or be construed
                  to create a
                  trust of any kind, or a fiduciary relationship, between the Participating
                  Employers and any Employee, spouse, or Beneficiary. To the extent
                  that any
                  person acquires a right to receive payments hereunder, such rights
                  are no
                  greater than the right of an unsecured general creditor of the
                  Participating Employer.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">11.2</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Rabbi
                  Trust.</u> A Participating Employer may, in its sole discretion, establish
                  a grantor trust, commonly known as a rabbi trust, as a vehicle
                  for
                  accumulating assets to pay benefits under the Plan. Payments under
                  the
                  Plan may be paid from the general assets of the Participating Employer
                  or
                  from the assets of any such rabbi trust. Payment from any such
                  source
                  shall reduce the obligation owed to the Participant or Beneficiary
                  under
                  the Plan.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div><br></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Arial Narrow;"><strong>Article
        XII</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Claims</em></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">12.1</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Filing
                  a Claim.</u> Any controversy or claim arising out of or relating to the
                  Plan shall be filed in writing with the Committee which shall make
                  all
                  determinations concerning such claim. Any claim filed with the
                  Committee
                  and any decision by the Committee denying
</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em><br>Page&#160;21
        of 31</em></font>&#160;</div>
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        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
          </div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: black" noshade size="2">
          </div>
        </div>
        <div id="HDR" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">such
          claim
          shall be in writing and shall be delivered to the Participant or Beneficiary
          filing the claim (the &#8220;Claimant&#8221;).</font></div>
        <div>
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div>
    </div>
    <div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 72pt">
                <div><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>a.&#160;&#160;</em></font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>In
                  General.</em> Notice of a denial of benefits (other than Disability
                  benefits) will be provided within ninety (90) days of the Committee&#8217;s
                  receipt of the Claimant's claim for benefits. If the Committee
                  determines
                  that it needs additional time to review the claim, the Committee
                  will
                  provide the Claimant with a notice of the extension before the
                  end of the
                  initial ninety (90) day period. The extension will not be more
                  than ninety
                  (90) days from the end of the initial ninety (90) day period and
                  the
                  notice of extension will explain the special circumstances that
                  require
                  the extension and the date by which the Committee expects to make
                  a
                  decision.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 72pt">
                <div><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>b.&#160;&#160;</em></font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Disability
                  Benefits.</em> Notice of denial of Disability benefits will be provided
                  within forty-five (45) days of the Committee&#8217;s receipt of the Claimant&#8217;s
                  claim for Disability benefits. If the Committee determines that
                  it needs
                  additional time to review the Disability claim, the Committee will
                  provide
                  the Claimant with a notice of the extension before the end of the
                  initial
                  forty-five (45) day period. If the Committee determines that a
                  decision
                  cannot be made within the first extension period due to matters
                  beyond the
                  control of the Committee, the time period for making a determination
                  may
                  be further extended for an additional thirty (30) days. If such
                  an
                  additional extension is necessary, the Committee shall notify the
                  Claimant
                  prior to the expiration of the initial thirty (30) day extension.
                  Any
                  notice of extension shall indicate the circumstances necessitating
                  the
                  extension of time, the date by which the Committee expects to furnish
                  a
                  notice of decision, the specific standards on which such entitlement
                  to a
                  benefit is based, the unresolved issues that prevent a decision
                  on the
                  claim and any additional information needed to resolve those issues.
                  A
                  Claimant will be provided a minimum of forty-five (45) days to
                  submit any
                  necessary additional information to the Committee. In the event
                  that a
                  thirty (30) day extension is necessary due to a Claimant&#8217;s failure to
                  submit information necessary to decide a claim, the period for
                  furnishing
                  a notice of decision shall be tolled from the date on which the
                  notice of
                  the extension is sent to the Claimant until the earlier of the
                  date the
                  Claimant responds to the request for additional information or
                  the
                  response deadline.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 72pt">
                <div><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>c.&#160;&#160;</em></font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Contents
                  of Notice.</em> If a claim for benefits is completely or partially denied,
                  notice of such denial shall be in writing and shall set forth the
                  reasons
                  for denial in plain language. The notice shall (i) cite the pertinent
                  provisions of the Plan document and (ii) explain, where appropriate,
                  how
                  the Claimant can perfect the claim, including a description of
                  any
                  additional material or information necessary to complete the claim
                  and why
                  such material or information is necessary. The claim denial also
                  shall
                  include an explanation of the claims review procedures and the
                  time limits
                  applicable to such procedures, including a statement of the Claimant&#8217;s
                  right to bring a civil action under Section 502(a) of ERISA following
                  an
                  adverse decision on review. In the case of a complete or partial
                  denial of
                  a Disability </font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em><br>Page&#160;22
        of 31</em></font>&#160;</div>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <div id="FTR">
          <div id="GLFTR" style="WIDTH: 100%" align="left">
          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
          </div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
            <hr style="COLOR: black" noshade size="2">
          </div>
        </div>
        <div id="HDR">
          <div id="GLHDR" style="WIDTH: 100%" align="right">
          </div>
        </div>
      </div>
      <div style="MARGIN-LEFT: 72pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">benefit
        claim, the notice shall provide a statement that the Committee will provide
        to
        the Claimant, upon request and free of charge, a copy of any internal rule,
        guideline, protocol, or other similar criterion that was relied upon in making
        the decision.</font></div>
      <div><br>&#160;</div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">12.2</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Appeal
                  of Denied Claims.</u> A Claimant whose claim has been completely or
                  partially denied shall be entitled to appeal the claim denial by
                  filing a
                  written appeal with a committee designated to hear such appeals
                  (the
                  &#8220;Appeals Committee&#8221;). A Claimant who timely requests a review of the
                  denied claim (or his or her authorized representative) may review,
                  upon
                  request and free of charge, copies of all documents, records and
                  other
                  information relevant to the denial and may submit written comments,
                  documents, records and other information relevant to the claim
                  to the
                  Appeals Committee. All written comments, documents, records, and
                  other
                  information shall be considered &#8220;relevant&#8221; if the information (i) was
                  relied upon in making a benefits determination,(ii) was submitted,
                  considered or generated in the course of making a benefits decision
                  regardless of whether it was relied upon to make the decision,
                  or (iii)
                  demonstrates compliance with administrative processes and safeguards
                  established for making benefit decisions. The Appeals Committee
                  may, in
                  its sole discretion and if it deems appropriate or necessary, decide
                  to
                  hold a hearing with respect to the claim
                  appeal.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 72pt">
                <div><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>(a)&#160;&#160;</em></font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>In
                  General.</em> Appeal of a denied benefits claim (other than a Disability
                  benefits claim) must be filed in writing with the Appeals Committee
                  no
                  later than sixty (60) days after receipt of the written notification
                  of
                  such claim denial. The Appeals Committee shall make its decision
                  regarding
                  the merits of the denied claim within sixty (60) days following
                  receipt of
                  the appeal (or within one hundred and twenty (120) days after such
                  receipt, in a case where there are special circumstances requiring
                  extension of time for reviewing the appealed claim). If an extension
                  of
                  time for reviewing the appeal is required because of special
                  circumstances, written notice of the extension shall be furnished
                  to the
                  Claimant prior to the commencement of the extension. The notice
                  will
                  indicate the special circumstances requiring the extension of time
                  and the
                  date by which the Appeals Committee expects to render the determination
                  on
                  review. The review will take into account comments, documents,
                  records and
                  other information submitted by the Claimant relating to the claim
                  without
                  regard to whether such information was submitted or considered
                  in the
                  initial benefit determination.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 72pt">
                <div><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>(b)&#160;&#160;</em></font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Disability
                  Benefits.</em> Appeal of a denied Disability benefits claim must be filed
                  in writing with the Appeals Committee no later than one hundred
                  eighty
                  (180) days after receipt of the written notification of such claim
                  denial.
                  The review shall be conducted by the Appeals Committee (exclusive
                  of the
                  person who made the initial adverse decision or such person&#8217;s
                  subordinate). In reviewing the appeal, the Appeals Committee shall
                  (i) not
                  afford deference to the initial denial of the claim, (ii) consult
                  a
                  medical professional who has appropriate training and experience
                  in the
                  field of medicine relating to the Claimant&#8217;s disability and who was
                  neither </font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em><br>Page&#160;23
          of 31</em></font>&#160;</div>
        <div id="PGBRK" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
          <div id="FTR">
            <div id="GLFTR" style="WIDTH: 100%" align="left">
            </div>
          </div>
          <div id="PN" style="PAGE-BREAK-AFTER: always">
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
            </div>
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
              <hr style="COLOR: black" noshade size="2">
            </div>
          </div>
          <div>
            <div id="GLHDR" style="WIDTH: 100%" align="right">
            </div>
          </div>
          <div style="MARGIN-LEFT: 72pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">consulted
            as
            part of the initial denial nor is the subordinate of such individual
            and (iii)
            identify the medical or vocational experts whose advice was obtained
            with
            respect to the initial benefit denial, without regard to whether the
            advice was
            relied upon in making the decision. The Appeals Committee shall make
            its
            decision regarding the merits of the denied claim within forty-five (45)
            days
            following receipt of the appeal (or within ninety (90) days after such
            receipt,
            in a case where there are special circumstances requiring extension of
            time for
            reviewing the appealed claim). If an extension of time for reviewing
            the appeal
            is required because of special circumstances, written notice of the extension
            shall be furnished to the Claimant prior to the commencement of the extension.
            The notice will indicate the special circumstances requiring the extension
            of
            time and the date by which the Appeals Committee expects to render the
            determination on review. Following its review of any additional information
            submitted by the Claimant, the Appeals Committee shall render a decision
            on its
            review of the denied claim.</font></div>
          <div><br></div>
        </div>
      </div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 72pt">
                <div><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>(c)&#160;&#160;</em></font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Contents
                  of Notice.</em> If a benefits claim is completely or partially denied on
                  review, notice of such denial shall be in writing and shall set
                  forth the
                  reasons for denial in plain
                  language.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">The
        decision
        on review shall set forth (i) the specific reason or reasons for the denial,
        (ii) specific references to the pertinent Plan provisions on which the denial
        is
        based, (iii) a statement that the Claimant is entitled to receive, upon request
        and free of charge, reasonable access to and copies of all documents, records,
        or other information relevant (as defined above) to the Claimant&#8217;s claim, and
        (iv) a statement describing any voluntary appeal procedures offered by the
        plan
        and a statement of the Claimant&#8217;s right to bring an action under Section 502(a)
        of ERISA.</font></div>
      <div><br></div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 72pt">
                <div><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">(d)&#160;&#160;</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">For
                  the
                  denial of a Disability benefit, the notice will also include a
                  statement
                  that the Appeals Committee will provide, upon request and free
                  of charge,
                  (i) any internal rule, guideline, protocol or other similar criterion
                  relied upon in making the decision, (ii) any medical opinion relied
                  upon
                  to make the decision and (iii) the required statement under Section
                  2560.503-1(j)(5)(iii) of the Department of Labor
                  regulations.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">12.3</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Claims
                  Appeals Upon Change in Control. </u>Upon a Change in Control, the Appeals
                  Committee, as constituted immediately prior to such Change in Control,
                  shall continue to act as the Appeals Committee. Upon such Change
                  in
                  Control, the Company may not remove any member of the Appeals Committee,
                  but may replace resigning members if 2/3rds of the members of the
                  Board of
                  Directors of the Company and a majority of Participants and Beneficiaries
                  with Account Balances consent to the
                  replacement.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em><br>Page&#160;24
          of 31</em></font>&#160;</div>
        <div id="PGBRK" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
          <div id="FTR">
            <div id="GLFTR" style="WIDTH: 100%" align="left">
            </div>
          </div>
          <div id="PN" style="PAGE-BREAK-AFTER: always">
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
            </div>
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
              <hr style="COLOR: black" noshade size="2">
            </div>
          </div>
          <div id="HDR">
            <div id="GLHDR" style="WIDTH: 100%" align="right">
            </div><br></div>
        </div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">The
        Appeals
        Committee shall have the exclusive authority at the appeals stage to interpret
        the terms of the Plan and resolve appeals under the Claims
        Procedure.</font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">Each
        Participating Employer shall, with respect to the Committee identified under
        this Section, (i) pay its proportionate share of all reasonable expenses
        and
        fees of the Appeals Committee, (ii) indemnify the Appeals Committee (including
        individual committee members) against any costs, expenses and liabilities
        including, without limitation, attorneys&#8217; fees and expenses arising in
        connection with the performance of the Appeals Committee hereunder, except
        with
        respect to matters resulting from the Appeals Committee&#8217;s gross negligence or
        willful misconduct and (iii) supply full and timely information to the Appeals
        Committee on all matters related to the Plan, any rabbi trust, Participants,
        Beneficiaries and Accounts as the Appeals Committee may reasonably
        require.</font></div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">12.4</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Legal
                  Action. </u>A Claimant may not bring any legal action, including
                  commencement of any arbitration, relating to a claim for benefits
                  under
                  the Plan unless and until the Claimant has followed the claims
                  procedures
                  under the Plan and exhausted his or her administrative remedies
                  under such
                  claims procedures.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">If
        a
        Participant or Beneficiary prevails in a legal proceeding brought under the
        Plan
        to enforce the rights of such Participant or any other similarly situated
        Participant or Beneficiary, in whole or in part, the Company shall reimburse
        such Participant or Beneficiary for all legal costs, expenses, attorneys&#8217; fees
        and such other liabilities incurred as a result of such proceedings. If the
        legal proceeding is brought in connection with a Change in Control, or a
&#8220;change
        in control&#8221; as defined in a rabbi trust described in Section 11.2, the
        Participant or Beneficiary may file a claim directly with the trustee for
        reimbursement of such costs, expenses and fees. For purposes of the preceding
        sentence, the amount of the claim shall be treated as if it were an addition
        to
        the Participant&#8217;s or Beneficiary&#8217;s Account Balance and will be included in
        determining the Company&#8217;s trust funding obligation under Section
        11.2.</font></div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">12.5</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Discretion
                  of Appeals Committee.</u> All interpretations, determinations and
                  decisions of the Appeals Committee with respect to any claim shall
                  be made
                  in its sole discretion, and shall be final and
                  conclusive.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">12.6</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Arbitration.</u></font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 72pt">
                <div><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>(a)&#160;&#160;</em></font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Prior
                  to Change in Control.</em> If, prior to a Change in Control, any claim or
                  controversy between a Participating Employer and a Participant
                  or
                  Beneficiary is not resolved through the claims procedure set forth
                  in
                  Article XII, such claim shall be submitted to and resolved exclusively
                  by
                  expedited binding arbitration by a single
                  arbitrator.&#160;&#160;Arbitration shall be conducted in accordance with
                  the following procedures:</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em><br>Page&#160;25
          of 31</em></font>&#160;</div>
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          <div id="FTR">
            <div id="GLFTR" style="WIDTH: 100%" align="left">
            </div>
          </div>
          <div id="PN" style="PAGE-BREAK-AFTER: always">
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
            </div>
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
              <hr style="COLOR: black" noshade size="2">
            </div>
          </div>
          <div id="HDR">
            <div id="GLHDR" style="WIDTH: 100%" align="right">
            </div><br></div>
        </div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">The
        complaining party shall promptly send written notice to the other party
        identifying the matter in dispute and the proposed remedy. Following the
        giving
        of such notice, the parties shall meet and attempt in good faith to resolve
        the
        matter. In the event the parties are unable to resolve the matter within
        twenty
        one (21) days, the parties shall meet and attempt in good faith to select
        a
        single arbitrator acceptable to both parties. If a single arbitrator is not
        selected by mutual consent within ten (10) Business Days following the giving
        of
        the written notice of dispute, an arbitrator shall be selected from a list
        of
        nine persons each of whom shall be an attorney who is either engaged in the
        active practice of law or recognized arbitrator and who, in either event,
        is
        experienced in serving as an arbitrator in disputes between employers and
        employees, which list shall be provided by the main office of either JAMS,
        the
        American Arbitration Associate (&#8220;AAA&#8221;) or the Federal Mediation and Conciliation
        Service. If, within three Business Days of the parties&#8217; receipt of such list,
        the parties are unable to agree on an arbitrator from the list, then the
        parties
        shall each strike names alternatively from the list, with the first to strike
        being determined by the flip of a coin. After each party has had four strikes,
        the remaining name on the list shall be the arbitrator. If such person is
        unable
        to serve for any reason, the parties shall repeat this process until an
        arbitrator is selected.</font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">Unless
        the
        parties agree otherwise, within sixty (60) days of the selection of the
        arbitrator, a hearing shall be conducted before such arbitrator at a time
        and a
        place agreed upon by the parties. In the event the parties are unable to
        agree
        upon the time or place of the arbitration, the time and place shall be
        designated by the arbitrator after consultation with the parties. Within
        thirty
        (30) days of the conclusion of the arbitration hearing, the arbitrator shall
        issue an award, accompanied by a written decision explaining the basis for
        the
        arbitrator&#8217;s award.</font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">In
        any
        arbitration hereunder, the Participating Employer shall pay all administrative
        fees of the arbitration and all fees of the arbitrator, except that the
        Participant or Beneficiary may, if he/she/it wishes, pay up to one-half of
        those
        amounts. Each party shall pay its own attorneys&#8217; fees, costs, and expenses,
        unless the arbitrator orders otherwise. The prevailing party in such
        arbitration, as determined by the arbitrator, and in any enforcement or other
        court proceedings, shall be entitled, to the extent permitted by law, to
        reimbursement from the other party for all of the prevailing party&#8217;s costs
        (including but not limited to the arbitrator&#8217;s compensation), expenses, and
        attorneys&#8217; fees. The arbitrator shall have no authority to add to or to modify
        this Plan, shall apply all applicable law, and shall have no lesser and no
        greater remedial authority than would a court of law resolving the same claim
        or
        controversy. The arbitrator shall have no authority to add to or to modify
        this
        Plan, shall apply all applicable law, and shall have no lesser and no greater
        remedial authority than would a court of law resolving the same claim or
        controversy. The arbitrator shall, upon an appropriate motion, dismiss any
        claim
        without an evidentiary hearing if the party bringing the </font></div>
      <div>
        <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em><br>Page&#160;26
          of 31</em></font>&#160;</div>
        <div id="PGBRK" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
          <div id="FTR">
            <div id="GLFTR" style="WIDTH: 100%" align="left">
            </div>
          </div>
          <div id="PN" style="PAGE-BREAK-AFTER: always">
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
            </div>
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
              <hr style="COLOR: black" noshade size="2">
            </div>
          </div>
          <div>
            <div id="GLHDR" style="WIDTH: 100%" align="right">
            </div>
          </div>
          <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">motion
            establishes that it would be entitled to summary judgment if the matter
            had been
            pursued in court litigation.</font></div>
          <div><br></div>
        </div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">The
        parties
        shall be entitled to discovery as follows: Each party may take no more than
        three depositions. The Participating Employer may depose the Participant
        or
        Beneficiary plus two other witnesses, and the Participant or Beneficiary
        may
        depose the Participating Employer, pursuant to Rule 30(b)(6) of the Federal
        Rules of Civil Procedure, plus two other witnesses. Each party may make such
        reasonable document discovery requests as are allowed in the discretion of
        the
        arbitrator.</font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">The
        decision
        of the arbitrator shall be final, binding, and non-appealable, and may be
        enforced as a final judgment in any court of competent
        jurisdiction.</font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">This
        arbitration provision of the Plan shall extend to claims against any parent,
        subsidiary, or affiliate of each party, and, when acting within such capacity,
        any officer, director, shareholder, Participant, Beneficiary, or agent of
        any
        party, or of any of the above, and shall apply as well to claims arising
        out of
        state and federal statutes and local ordinances as well as to claims arising
        under the common law or under this Plan.</font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">Notwithstanding
        the foregoing, and unless otherwise agreed between the parties, either party
        may
        apply to a court for provisional relief, including a temporary restraining
        order
        or preliminary injunction, on the ground that the arbitration award to which
        the
        applicant may be entitled may be rendered ineffectual without provisional
        relief.</font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">Any
        arbitration hereunder shall be conducted in accordance with the Federal
        Arbitration Act: provided, however, that, in the event of any inconsistency
        between the rules and procedures of the Act and the terms of this Plan, the
        terms of this Plan shall prevail.</font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">If
        any of the
        provisions of this Section 12.6(A) are determined to be unlawful or otherwise
        unenforceable, in the whole part, such determination shall not affect the
        validity of the remainder of this section and this section shall be reformed
        to
        the extent necessary to carry out its provisions to the greatest extent possible
        and to insure that the resolution of all conflicts between the parties,
        including those arising out of statutory claims, shall be resolved by neutral,
        binding arbitration. If a court should find that the provisions of this Section
        12.6(A) are not absolutely binding, then the parties intend any arbitration
        decision and award to be fully admissible in evidence in any subsequent action,
        given great weight by any finder of fact and treated as determinative to
        the
        maximum extent permitted by law.</font></div>
      <div>
        <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em><br>Page&#160;27
          of 31</em></font>&#160;</div>
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          <div id="FTR">
            <div id="GLFTR" style="WIDTH: 100%" align="left">
            </div>
          </div>
          <div id="PN" style="PAGE-BREAK-AFTER: always">
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
            </div>
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
              <hr style="COLOR: black" noshade size="2">
            </div>
          </div>
          <div id="HDR">
            <div id="GLHDR" style="WIDTH: 100%" align="right">
            </div><br></div>
        </div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">The
        parties
        do not agree to arbitrate any putative class action or any other representative
        action. The parties agree to arbitrate only the claims(s) of a single
        Participant or Beneficiary.</font></div>
      <div><br></div>
      <div>
        <table cellpadding="0" cellspacing="0" id="list" width="100%">

            <tr valign="top">
              <td align="right" style="WIDTH: 72pt">
                <div><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>(b)&#160;&#160;</em></font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em>Upon
                  Change in Control.</em> If, upon the occurrence of a Change in Control,
                  any dispute, controversy or claim arises between a Participant
                  or
                  Beneficiary and the Participating Employer out of or relating to
                  or
                  concerning the provisions of the Plan, such dispute, controversy
                  or claim
                  shall be finally settled by a court of competent jurisdiction which,
                  notwithstanding any other provision of the Plan, shall apply a
                  de novo
                  standard of review to any determination made by the Company or
                  its Board
                  of Directors, a Participating Employer, the Committee, or the Appeals
                  Committee.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Arial Narrow;"><strong>Article
        XIII</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 11pt; FONT-FAMILY: Arial Narrow;"><strong>General
        Provisions</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">13.1</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Anti-assignment
                  Rule.</u> No interest of any Participant, spouse or Beneficiary under
                  this
                  Plan and no benefit payable hereunder shall be assigned as security
                  for a
                  loan, and any such purported assignment shall be null, void and
                  of no
                  effect, nor shall any such interest or any such benefit be subject
                  in any
                  manner, either voluntarily or involuntarily, to anticipation, sale,
                  transfer, assignment or encumbrance by or through any Participant,
                  spouse
                  or Beneficiary. Notwithstanding anything to the contrary herein,
                  however,
                  the Committee has the discretion to make payments to an alternate
                  payee in
                  accordance with the terms of a domestic relations order (as defined
                  in
                  Code Section 414(p)(1)(B)).</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">13.2</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>No
                  Legal or Equitable Rights or Interest.</u> No Participant or other person
                  shall have any legal or equitable rights or interest in this Plan
                  that are
                  not expressly granted in this Plan. Participation in this Plan
                  does not
                  give any person any right to be retained in the service of the
                  Participating Employer. The right and power of a Participating
                  Employer to
                  dismiss or discharge an Employee is expressly reserved. The Participating
                  Employers make no representations or warranties as to the tax consequences
                  to a Participant or a Participant&#8217;s beneficiaries resulting from a
                  deferral of income pursuant to the
                  Plan.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">13.3</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>No
                  Employment Contract.</u> Nothing contained herein shall be construed to
                  constitute a contract of employment between an Employee and a
                  Participating Employer.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">13.4</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Notice.</u>
                  Any notice or filing required or permitted to be delivered to the
                  Committee under this Plan shall be delivered in writing, in person,
                  or
                  through such electronic means as is established by the Committee.
                  Notice
                  shall be deemed given as of the date of delivery or, if delivery
                  is made
                  by mail, as of the date shown on the postmark on the receipt for
                  registration or certification. Written transmission shall be sent
                  by
                  certified mail to:</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em><br>Page&#160;28
          of 31</em></font>&#160;</div>
        <div id="PGBRK" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
          <div id="FTR">
            <div id="GLFTR" style="WIDTH: 100%" align="left">
            </div>
          </div>
          <div id="PN" style="PAGE-BREAK-AFTER: always">
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
            </div>
            <div style="WIDTH: 100%; TEXT-ALIGN: center">
              <hr style="COLOR: black" noshade size="2">
            </div>
          </div>
          <div id="HDR">
            <div id="GLHDR" style="WIDTH: 100%" align="right">
            </div><br></div>
        </div>
      </div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><strong>FIRST
        HORIZON NATIONAL CORPORATION</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><strong>ATTN:
        EVP&#8212;EMPLOYEE SERVICES</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><strong>165
        MADISON AVENUE</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><strong>&#160;MEMPHIS,
        TENNESSEE</strong></font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">Any
        notice or
        filing required or permitted to be given to a Participant under this Plan
        shall
        be sufficient if in writing or hand-delivered, or sent by mail to the last
        known
        address of&#160;&#160;the Participant.</font></div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">13.5</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Headings.</u>
                  The headings of Sections 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></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">13.6</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Invalid
                  or Unenforceable 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 the Committee may elect
                  in its
                  sole discretion to construe such invalid or unenforceable provisions
                  in a
                  manner that conforms to applicable law or as if such provisions,
                  to the
                  extent invalid or unenforceable, had not been
                  included.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">13.7</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Lost
                  Participants or Beneficiaries.</u> Any Participant or Beneficiary who is
                  entitled to a benefit from the Plan has the duty to keep the Committee
                  advised of his or her current mailing address. If benefit payments
                  are
                  returned to the Plan or are not presented for payment after a reasonable
                  amount of time, the Committee shall presume that the payee is missing.
                  The
                  Committee, after making such efforts as in its discretion it deems
                  reasonable and appropriate to locate the payee, shall stop payment
                  on any
                  uncashed checks and may discontinue making future payments until
                  contact
                  with the payee is restored.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top">
              <td style="WIDTH: 36pt">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">13.8</font></div>
              </td>
              <td>
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><u>Governing
                  Law.</u> To the extent not preempted by ERISA, the laws of the State
                  of
                  Tennessee shall govern the construction and administration of the
                  Plan.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><strong>IN
        WITNESS WHEREOF, the undersigned executed this Plan as of the _____th day
        of
        _______________, 2007, to be effective as of the Effective
        Date.</strong></font></div>
      <div><br></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><strong>First
        Horizon National Corporation</strong></font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">By:
        _______________________________ (Print Name)</font></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">Its:
        __________________________________ (Title)</font></div>
      <div><br></div>
      <div><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;">___________________________________
        (Signature)</font></div>
      <div>
        <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-FAMILY: Arial Narrow;"><em><br>Page&#160;29
          of 31</em></font>&#160;<br></div>
      </div>
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