SKY FINANCIAL GROUP INC
SEVENTH AMENDMENT OF THE SKY FINANCIAL GROUP, INC. NON-QUALIFIED RETIREMENT PLAN
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<DESCRIPTION>SEVENTH AMENDMENT OF THE SKY FINANCIAL GROUP, INC. NON-QUALIFIED RETIREMENT PLAN
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<TITLE>Seventh Amendment of the Sky Financial Group, Inc. Non-Qualified Retirement Plan</TITLE>
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 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT FACE="Times New Roman" SIZE="2"><B><FONT FACE="ARIAL" SIZE="2" COLOR="#000000">Exhibit 10.33</FONT><FONT FACE="Times New Roman" SIZE="2"
COLOR="#000000"> </FONT></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT FACE="Times New Roman" SIZE="3"><B><U>S<SMALL>EVENTH</SMALL>
A<SMALL>MENDMENT</SMALL> </U></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT FACE="Times New Roman" SIZE="3"><B><U><SMALL>OF</SMALL> <SMALL>THE</SMALL> </U></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"
ALIGN="center"><FONT FACE="Times New Roman" SIZE="3"><B><U>S<SMALL>KY</SMALL> F<SMALL>INANCIAL</SMALL> G<SMALL>ROUP</SMALL>, I<SMALL>NC</SMALL>. N<SMALL>ON</SMALL>-<SMALL>QUALIFIED</SMALL> R<SMALL>ETIREMENT</SMALL> P<SMALL>LAN</SMALL>
</U></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT FACE="Times New Roman" SIZE="3">(As Amended and Restated Effective January 1, 1999) </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:10%" ALIGN="justify"><FONT FACE="Times New Roman" SIZE="3"><B>W<SMALL>HEREAS</SMALL></B><SMALL></SMALL>, Sky Financial Group, Inc. (the &#147;Company&#148;) maintains
the Sky Financial Group, Inc. Non-Qualified Retirement Plan (the &#147;Plan&#148;) for a select group of its management and highly compensated employees; </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; text-indent:10%" ALIGN="justify"><FONT FACE="Times New Roman" SIZE="3"><B>W<SMALL>HEREAS</SMALL></B><SMALL></SMALL>, the Company has delegated authority to amend the Plan to the Sky Financial Group, Inc.
Benefit Plans Committee (the &#147;Committee&#148;); </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:10%" ALIGN="justify"><FONT FACE="Times New Roman"
SIZE="3"><B>W<SMALL>HEREAS</SMALL></B><SMALL></SMALL>, Section 409A was recently added to the Internal Revenue Code of 1986, as amended (the &#147;Code&#148;) and that section will apply, in general, to amounts deferred under nonqualified deferred
compensation plans such as the Plan after December 31, 2004; and </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:10%" ALIGN="justify"><FONT
FACE="Times New Roman" SIZE="3"><B>W<SMALL>HEREAS</SMALL></B><SMALL></SMALL>, the Plan has been amended from time to time and the Committee now considers it desirable to further amend the Plan to prevent any amounts from being deferred under the
Plan after December 31, 2004, and to preserve the grandfathered status of the amounts deferred and vested under the Plan on or before December 31, 2004, for purposes of Code Section 409A. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:10%" ALIGN="justify"><FONT FACE="Times New Roman" SIZE="3"><B>N<SMALL>OW</SMALL>, T<SMALL>HEREFORE</SMALL></B><SMALL></SMALL>, pursuant to the power reserved to the
Committee by Section 8.1 of the Plan, and by virtue of the authority delegated to the undersigned by resolution of the Committee, the Plan, as previously amended, be and is hereby amended further, in the following particulars, effective as of
December 31, 2004: </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:5%" ALIGN="justify"><FONT FACE="Times New Roman"
SIZE="3">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;By adding the following sentence to end of the second introductory paragraph of the Plan: </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; text-indent:10%" ALIGN="justify"><FONT FACE="Times New Roman" SIZE="3">&#147;Effective December 31, 2004, the Plan is frozen.&#148; </FONT></P>

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 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:5%" ALIGN="justify"><FONT FACE="Times New Roman" SIZE="3"><B></B><B></B><I></I><I></I><B><I></I></B>2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;By adding
the following new Article X to appear immediately after Article IX of the Plan: </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
FACE="Times New Roman" SIZE="3"><B>&#147;ARTICLE X </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT FACE="Times New Roman"
SIZE="3"><B><U>PLAN FROZEN </U></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:10%" ALIGN="justify"><FONT FACE="Times New Roman" SIZE="3">The Company has frozen the Plan effective December 31, 2004. For Plan Years beginning on and after January 1, 2005, the Plan will operate
on a frozen basis. Notwithstanding any provisions of the Plan to the contrary, the following provisions shall apply: </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:15%; text-indent:5%" ALIGN="justify"><FONT FACE="Times New Roman" SIZE="3">(a) No employees of the Company who were not Participants in the Plan prior to January 1, 2005, will be eligible to
become Participants after that date. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:15%; text-indent:5%" ALIGN="justify"><FONT FACE="Times New Roman"
SIZE="3">(b) Effective on and after January 1, 2005, no further deferral or supplemental contributions will be credited to Participants&#146; Accounts. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:15%; text-indent:5%" ALIGN="justify"><FONT FACE="Times New Roman" SIZE="3">(c) Code Section 409A Grandfathered Status. Compensation deferred and vested (within the meaning of Code Section 409A) on
or before December 31, 2004, is eligible for exemption from Code Section 409A by reason of the statutory grandfather clause set forth in section 885(d) of the American Jobs Creation Act of 2004, Pub. L. No. 108-357, 118 Stat. 1418 (2004). The
Company intends to preserve the grandfathered status of such amounts, including earnings thereon, under the Plan. No &#145;material modifications,&#146; as that term is used for purposes of the Code Section 409A grandfather clause, shall be made to
the Plan after October 3, 2004, unless permitted by Internal Revenue Service Notice 2005-1 or subsequent guidance. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px; margin-left:15%; text-indent:5%" ALIGN="justify"><FONT FACE="Times New Roman" SIZE="3">(d) Transferred Amounts. Any amount credited to a Participant&#146;s Account that was not vested as of December 31, 2004
(&#145;Non-Vested Contributions&#146;) shall be transferred to the Sky Financial Group, Inc. Non-Qualified Retirement Plan II (the &#145;NQRP II&#146;), effective January 1, 2005. Such transferred Non-Vested Contributions shall be considered a
contribution to, and shall be payable under the terms of, the NQRP II. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:15%; text-indent:5%"
ALIGN="justify"><FONT FACE="Times New Roman" SIZE="3">(e) The Plan shall continue in effect on and after December 31, 2004, subject to the Company&#146;s right to amend or terminate the Plan under Article VIII. To the extent not inconsistent with
the provisions of this Article X, all provisions of the Plan shall continue to apply.&#148; </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
FACE="Times New Roman" SIZE="3">*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;* </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
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 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:5%" ALIGN="justify"><FONT FACE="Times New Roman" SIZE="3"><B>I<SMALL>N</SMALL> W<SMALL>ITNESS</SMALL> W<SMALL>HEREOF</SMALL>,</B> the undersigned
Committee member has executed this Plan amendment on behalf of the Committee, this <U></U>2<U></U>nd day of December 2005. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P><DIV ALIGN="right">
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<TD VALIGN="top" COLSPAN="3" NOWRAP> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT FACE="Times New Roman" SIZE="3"><B>S<SMALL>KY</SMALL> F<SMALL>INANCIAL</SMALL> G<SMALL>ROUP</SMALL>, I<SMALL>NC</SMALL>. B<SMALL>ENEFIT</SMALL>
P<SMALL>LANS</SMALL></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="justify"><FONT FACE="Times New Roman" SIZE="3"><B>C<SMALL>OMMITTEE</SMALL></B></FONT></P></TD></TR>
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<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em" ALIGN="justify"><FONT FACE="Times New Roman" SIZE="3">By:</FONT></P></TD>
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<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em" ALIGN="justify"><FONT FACE="Times New Roman" SIZE="3">/s/ Thomas A. Sciorilli</FONT></P><HR SIZE="1" NOSHADE COLOR="#000000"></TD></TR>
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<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em" ALIGN="justify"><FONT FACE="Times New Roman" SIZE="3">A Member of the Committee</FONT></P></TD></TR>
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