KINETIC CONCEPTS INC /TX/
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<title>KCI 8K 111504 Exhibit 10.1</title>
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<p align="right"><b><font size="2" face="Times New Roman">Exhibit 10.1<br />
</font></b></p>

<p align="center"><b><font size="2" face="Times New Roman">KINETIC CONCEPTS, INC.</font></b><b><br />
</b></p>

<p align="center"><b><font size="2" face="Times New Roman">2003 NON-EMPLOYEE DIRECTORS STOCK PLAN<br />
</font></b></p>

<p align="center"><b><font size="2" face="Times New Roman">As Adopted May 28, 2003 and Amended and Restated November 9, 2004<br />
</font></b></p>

<p align="center"><b><font size="2" color="silver" face="Times New Roman">____________________________________</font></b></p>

<p><b><font size="2" face="Times New Roman"><b><font size="2" face="Times New Roman">&nbsp;</font></b></font></b></p>

<p align="center"><b><font size="2" face="Times New Roman"><br />
ARTICLE I.&nbsp; DEFINITIONS<br />
</font></b></p>

<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.1&nbsp;&nbsp;<u>Affiliate</u>.&nbsp;&nbsp;A corporate parent, corporate subsidiary, limited liability company, partnership or other business entity that
is wholly-owned, controlled by, or controls the Company through the beneficial ownership of greater than 50% of the outstanding capital stock of the Company, as determined in accordance with Rule 13d-3 under the Exchange Act.</font></p>

<p><font size="2" face="Times New Roman"><font size="2" face="Times New Roman">&nbsp;</font></font></p>

<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.2&nbsp;&nbsp;<u>Affiliated</u> <u>Participant</u>.&nbsp;&nbsp;A Participant who is (i) receiving a management fee from the Company, or (ii) a principal
of, or a non-employee Board member appointed by, a shareholder of the Company which is receiving a management fee from the Company.&nbsp;</font></p>

<p><font size="2" face="Times New Roman"><font size="2" face="Times New Roman">&nbsp;</font></font></p>

<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.3&nbsp;&nbsp;<u>Agreement</u>.&nbsp;&nbsp;A written agreement (including any amendment or supplement thereto) between the Company or an Affiliate of the
Company and a Participant specifying the terms and conditions of an Option or a Restricted Stock Award, as the case may be, granted to such Participant.</font></p>

<p><font size="2" face="Times New Roman"><font size="2" face="Times New Roman">&nbsp;</font></font></p>

<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.4&nbsp;&nbsp;&nbsp;<u>Board</u>.&nbsp;&nbsp;The board of directors of the Company.</font></p>

<p><font size="2" face="Times New Roman"><font size="2" face="Times New Roman">&nbsp;</font></font></p>

<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.5&nbsp;&nbsp;&nbsp;<u>Code</u>.&nbsp;&nbsp;The Internal Revenue Code of 1986, as amended.</font></p>

<p><font size="2" face="Times New Roman"><font size="2" face="Times New Roman">&nbsp;</font></font></p>

<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.6&nbsp;&nbsp;&nbsp;<u>Committee</u>.&nbsp;&nbsp;A committee that is designated by the Board to serve as the administrator of the Plan. The Committee
shall be composed of at least two individuals who are members of the Board and are not employees of the Company or an Affiliate, and who are designated by the Board as the "compensation committee" or are otherwise designated to administer the Plan. In the absence of
a designation of a Committee by the Board, the Board shall be the Committee.</font></p>

<p><font size="2" face="Times New Roman"><font size="2" face="Times New Roman">&nbsp;</font></font></p>

<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.7&nbsp;&nbsp;&nbsp;<u>Company</u>.&nbsp;&nbsp;Kinetic Concepts, Inc. and its successors.</font></p>

<p><font size="2" face="Times New Roman"><font size="2" face="Times New Roman">&nbsp;</font></font></p>

<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.8&nbsp;&nbsp;&nbsp;<u>Date of Exercise</u>.&nbsp;&nbsp;The date that the Participant tenders the exercise price of an Option.</font></p>

<p><font size="2" face="Times New Roman"><font size="2" face="Times New Roman">&nbsp;</font></font></p>

<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.9&nbsp;&nbsp;&nbsp;<u>Effective Date</u>.&nbsp;&nbsp;The effective date of the Plan, which is May 28, 2003.</font></p>

<p><font size="2" face="Times New Roman"><font size="2" face="Times New Roman">&nbsp;</font></font></p>

<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.10&nbsp;&nbsp;&nbsp;<u>Exchange Act</u>.&nbsp;&nbsp;The Securities Exchange Act of 1934, as amended.</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.11&nbsp;&nbsp;&nbsp;<u>Fair Market Value</u>.&nbsp;&nbsp;On any given date, Fair Market Value shall be determined by the applicable method described
below:</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;&nbsp;If the Stock is traded on a trading exchange (e.g., the New York Stock
Exchange) or is reported on the NASDAQ National Market System or another NASDAQ automated quotation system or the OTC Bulletin Board System, Fair Market Value shall be the closing selling price of the Stock on such exchange or system with respect to the date for
which Fair Market Value is being determined. If there is no closing selling price for the Stock on the date in question, then the Fair Market Value shall be the closing selling price on the last preceding date for which such a quotation exists.</font></p>

<p><font size="2" face="Times New Roman"><font size="2" face="Times New Roman">&nbsp;</font></font></p>

<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;&nbsp;If the Stock is not traded on a recognized exchange or automated trading
system, Fair Market Value shall be the value determined in good faith by the Committee.</font></p>

<p><font size="2" face="Times New Roman"><font size="2" face="Times New Roman">&nbsp;</font></font></p>

<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.12&nbsp;&nbsp;&nbsp;<u>Grant Date</u>.&nbsp;&nbsp;The date set forth herein in Article IV as the date of grant for an Option or Stock Award,
notwithstanding that an Agreement with respect thereto may be executed or delivered thereafter.</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.13&nbsp;&nbsp;&nbsp;<u>Non-Affiliated Participant</u>.&nbsp;&nbsp;A Participant who is not an Affiliated Participant.</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.14&nbsp;&nbsp;&nbsp;<u>Option</u>.&nbsp;&nbsp;The right that is granted hereunder to a Participant to purchase from the Company a stated number of
shares of Stock at the price set forth in an Agreement.</font></p>

<p><font size="2" face="Times New Roman"><font size="2" face="Times New Roman">&nbsp;</font></font></p>

<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.15&nbsp;&nbsp;&nbsp;<u>Participant</u>.&nbsp;&nbsp;A member of the Board who is not employed by the Company or an Affiliate of the Company and who
otherwise satisfies the criteria for being a Participant, as established from time to time by the Board.</font></p>

<p><font size="2" face="Times New Roman"><font size="2" face="Times New Roman">&nbsp;</font></font></p>

<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.16&nbsp;&nbsp;&nbsp;<u>Plan</u>.&nbsp;&nbsp;The Kinetic Concepts, Inc. 2003 Non-Employee Directors Stock Plan, as amended and restated.</font></p>

<p><font size="2" face="Times New Roman"><font size="2" face="Times New Roman">&nbsp;</font></font></p>

<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.17&nbsp;&nbsp;&nbsp;<u>Restricted Stock Award</u>.&nbsp;&nbsp;An award of shares of Stock granted under the Plan and subject to the restrictions set
forth herein and in the Agreement executed in connection therewith.</font></p>

<p><font size="2" face="Times New Roman"><font size="2" face="Times New Roman">&nbsp;</font></font></p>

<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.18&nbsp;&nbsp;&nbsp;<u>Restriction Period</u>.&nbsp;&nbsp;The period of time during which restrictions apply to a Restricted Stock Award.</font></p>

<p><font size="2" face="Times New Roman"><font size="2" face="Times New Roman">&nbsp;</font></font></p>

<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.19&nbsp;&nbsp;&nbsp;<u>Stock</u>.&nbsp;&nbsp;The common stock, par value $0.001 per share, of the Company or any successor security.</font></p>

<p><font size="2" face="Times New Roman"><font size="2" face="Times New Roman">&nbsp;</font></font></p>

<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.20&nbsp;&nbsp;&nbsp;<u>Stock Award</u>.&nbsp;&nbsp;A Restricted Stock Award or an Unrestricted Stock Award granted under the Plan, as
applicable.&nbsp;</font></p>

<p><font size="2" face="Times New Roman"><font size="2" face="Times New Roman">&nbsp;</font></font></p>

<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.21&nbsp;&nbsp;&nbsp;<u>Underwriting Agreement</u>.&nbsp;&nbsp;The agreement between the Company and the underwriter or underwriters managing the initial
public offering of the Stock.</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.22&nbsp;&nbsp;&nbsp;<u>Underwriting Date</u>.&nbsp;&nbsp;The date on which the Underwriting Agreement is executed and priced in connection with the
initial public offering of the Common Stock.</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.23&nbsp;&nbsp;&nbsp;<u>Unrestricted Stock Award</u>.&nbsp;&nbsp;An award of shares of Stock granted under the Plan which is not subject to vesting
requirements or transferability restrictions (other than those required under Article IX, applicable law and any Company policy restricting the trading of shares of Stock by directors and officers).&nbsp;</font></p>

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<p align="center"><b><font size="2" face="Times New Roman">ARTICLE II.</font></b><b>&nbsp; PURPOSE OF PLAN</b></p>

<p><font size="2" face="Times New Roman"><font size="2" face="Times New Roman">&nbsp;</font></font></p>

<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The purpose of the Plan is to provide an incentive to enable the Company to attract and retain experienced and highly-qualified individuals to serve as directors of the Company, and to
encourage stock ownership by such directors so that their interests are aligned with the interests of the Company and its shareholders. It is intended that Participants may acquire and maintain equity interests in the Company to align their interests with the
Company's shareholders.</font></p>

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<p align="center"><b><font size="2" face="Times New Roman">ARTICLE III.</font></b><b>&nbsp; ADMINISTRATION</b></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.1&nbsp;&nbsp;&nbsp;<u>Administration of Plan</u>.&nbsp;&nbsp;The Plan shall be administered by the Committee. The express grant in the Plan of any
specific power to the Committee shall not be construed as limiting any power or authority of the Committee. Any decision made or action taken by the Committee to administer the Plan shall be final and conclusive. No member of the Committee shall be liable for any act
done in good faith with respect to this Plan or any Agreement, Option or Stock Award. The Company shall bear all expenses of Plan administration. In addition to all other authority vested in the Committee under the Plan, the Committee shall have complete authority
to:</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;&nbsp;Interpret all provisions of the Plan;</font></p>

<p><font size="2" face="Times New Roman"><font size="2" face="Times New Roman">&nbsp;</font></font></p>

<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;&nbsp;Prescribe the form of any Agreement and notice and manner for executing or
giving the same;</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;&nbsp;Make amendments to all Agreements;</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)&nbsp;&nbsp;Adopt, amend and rescind rules for Plan administration;</font></p>

<p><font size="2" face="Times New Roman"><font size="2" face="Times New Roman">&nbsp;</font></font></p>

<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e)&nbsp;&nbsp;Make all determinations it deems advisable for the administration of the
Plan;</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f)&nbsp;&nbsp;Amend the terms of outstanding Options and impose terms and conditions on the
shares of Stock issued pursuant to Stock Awards or upon the exercise of Options;</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g)&nbsp;&nbsp;Either at the time an Option or Stock Award is granted, or by subsequent
action, to impose such restrictions, conditions, or limitations as it determines appropriate as to the timing and manner of any resales including, but not limited to restrictions under an insider trading policy, restrictions designed to delay and/or coordinate the
timing and manner of sales by Participants, and restrictions as to the use of specific brokerage firms for any resales or transfers. Notwithstanding the foregoing, an amendment, restriction, condition or limitation that would have a material adverse effect on the
rights of a Participant under an outstanding Option or Stock Award shall not be valid with respect to such Option or Stock Award without the Participant&rsquo;s consent;</font></p>

<p><font size="2" face="Times New Roman"><font size="2" face="Times New Roman">&nbsp;</font></font></p>

<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(h)&nbsp;&nbsp;Waive conditions to and/or accelerate the exercisability or vesting of an
Option or Stock Award, either automatically or upon the occurrence of specified events or otherwise in its discretion; and</font></p>

<p><font size="2" face="Times New Roman"><font size="2" face="Times New Roman">&nbsp;</font></font></p>

<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp;&nbsp;Determine the extent to which a leave of absence for military or government
service, illness, temporary or permanent disability, or other reasons shall be treated as a termination, disability or interruption of service as a member of the Board.</font></p>

<p><font size="2" face="Times New Roman"><font size="2" face="Times New Roman">&nbsp;</font></font></p>

<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.2&nbsp;&nbsp;&nbsp;<u>Section 16(b)</u>.&nbsp;&nbsp;Notwithstanding anything in the Plan to the contrary, the Committee, in its absolute discretion, may
restrict, limit or condition the use of any provision of the Plan in order to ensure compliance with Section 16(b) of the Exchange Act and the rules promulgated thereunder.</font></p>

<p><font size="2" face="Times New Roman"><font size="2" face="Times New Roman">&nbsp;</font></font></p>

<p align="center"><b><font size="2" face="Times New Roman">ARTICLE IV.</font></b><b>&nbsp; ELIGIBILITY AND LIMITATIONS ON GRANTS</b></p>

<p><font size="2" face="Times New Roman"><font size="2" face="Times New Roman">&nbsp;</font></font></p>

<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.1&nbsp;&nbsp;&nbsp;<u>Option Grants</u>.&nbsp;&nbsp;Options shall be granted automatically as follows:</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;&nbsp;<u>Number</u>.</font></p>

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<p><font size="2" face="Times New
Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp;&nbsp;Effective for all periods
prior to January 1, 2005, each Participant shall automatically be granted an Option on a yearly basis to purchase a number of shares of Stock equal to $50,000 divided by the Fair Market Value of the Stock as of the Grant Date.&nbsp; The initial Grant Date for each
Non-Affiliated Participant shall be on the earlier to occur of (i) the Effective Date, if the Participant is serving as a Board member on such date, or (ii) the first date after the Effective Date that such Participant is elected by the shareholders of the Company to
serve as a Board member.&nbsp; The initial Grant Date for each Affiliated Participant shall be on the earlier of occur of (x): the Underwriting Date, or (y) the date on which the agreement pursuant to which a management fee is required to be paid, paid by the Company
to the Affiliated Participant or the Affiliated Participant&rsquo;s employer shall be terminated.&nbsp; Each year thereafter, each Participant shall be granted an additional Option to purchase a number of shares of Stock equal to $50,000 divided by the Fair Market
Value of the Stock on the date the Board ratifies such grant, provided that he or she is serving as a Board member on each such date.</font></p>

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<p><font size="2" face="Times New
Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii)&nbsp;&nbsp;Effective for all periods
from and following January 1, 2005, as of the date of each annual meeting of shareholders, commencing with the 2005 annual meeting of shareholders, each Participant that is re-elected to serve as a Board member as of that date shall automatically be granted an Option
to purchase 4,500 shares of Stock.&nbsp; In addition to the foregoing, unless the Board unanimously determines otherwise, if an individual first becomes a Participant at any time other than at an annual meeting of shareholders, then that Participant shall receive an
initial Option grant to purchase 4,500 shares of Stock at such time as he or she first becomes a Participant.</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;&nbsp;<u>Price</u>. The exercise price of each share of Stock subject to an Option
shall be the Fair Market Value of Stock on the Grant Date of such Option.</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;&nbsp;<u>Option Period</u>.&nbsp; Each Option granted to a Participant will vest and
become exercisable incrementally over a period of three years with one-twelfth (1/12) of the number of the shares of Stock subject to the Option vesting and becoming exercisable on the date which is three calendar months following the Grant Date, provided that the
Participant remains a Board member on each such date.&nbsp; The right to exercise an Option shall terminate seven (7) years after the Grant Date, unless terminated sooner pursuant to any of the following:</font></p>

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<p><font size="2" face="Times New
Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp;&nbsp;If a Participant is
terminated as a Board member on account of fraud, dishonesty or other acts detrimental to the interests of the Company, the Option, including any portion of the Option which has vested or is otherwise exercisable by the Participant, shall terminate as of the date of
such termination.</font></p>

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<p><font size="2" face="Times New
Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii)&nbsp;&nbsp;Upon the death or disability
(as defined in Section 22(e)(3) of the Code) of a Participant, the Option shall fully vest on the date thereof and may be exercised within twelve (12) months after such death or disability. In the event a participant fails to be re-elected to serve as a Board member,
the Option may be&nbsp; exercised, to the extent the Option had vested as of the Participant&rsquo;s last day of service as a member of the Board, within twelve (12) months of such an event.&nbsp; Thereafter, the Option shall terminate and no longer be
exercisable.</font></p>

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<p><font size="2" face="Times New
Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii)&nbsp;&nbsp;If a Participant is terminated as
a Board member for any reason other than the circumstances described in subparagraphs (i) or (ii) above, the Option may be exercised, to the extent the Option had vested as of the date of termination of his directorship, within three (3) months after the effective
date of such termination.&nbsp; Thereafter, the Option shall terminate and no longer be exercisable. Notwithstanding the foregoing, if the Participant becomes an employee of the Company or an Affiliate upon the termination of his directorship, the Option shall expire
after the termination of his employment in a manner that is consistent with this subparagraph (iii).&nbsp;</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)&nbsp;&nbsp;<u>Rights of Participant</u>.&nbsp; No Participant shall have any rights as a
shareholder of the Company with respect to shares of Stock subject to Options prior to the date of exercise of such Option.</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.2&nbsp;&nbsp;&nbsp;<u>Restricted Stock Awards</u>.&nbsp; Restricted Stock Awards shall be granted automatically as follows:</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;&nbsp;<u>Number</u>.&nbsp;</font></p>

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<p><font size="2" face="Times New
Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp;&nbsp;Effective for all periods
prior to January 1, 2005, each Participant shall automatically be granted at no cost to the Participant a Restricted Stock Award with respect to a number of shares of Stock equal to $50,000 divided by the Fair Market Value of the Stock as of the Grant Date on a
yearly basis.&nbsp; The initial Grant Date for each Non-Affiliated Participant shall be on the earlier to occur of (i)&nbsp;the Effective Date, if the Participant is serving as a Board member on such date, or (ii) the first date after the Effective Date that such
Participant is elected by the shareholders of the Company to serve as a Board member.&nbsp; The initial Grant Date for each Affiliated Participant shall be in the earlier to occur of: (x) the Underwriting Date or (y) such earlier date on which the management fee paid
to the Participant or the Participant&rsquo;s employer is terminated.&nbsp; Each year thereafter, each Participant shall be granted an additional Restricted Stock Award with respect to a number of shares of Stock equal to $50,000 divided by the Fair Market Value of
the Stock on the date the Board ratifies such grant, provided that he or she is serving as a Board member on each such date.</font></p>

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<p><font size="2" face="Times New
Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii)&nbsp;&nbsp;Effective for all periods
from and following January 1, 2005, as of the date of each annual meeting of shareholders, commencing with the 2005 annual meeting of shareholders, each Participant that is re-elected to serve as a Board member as of that date shall automatically be granted at no
cost to the Participant a Restricted Stock Award with respect to 1,000 shares of Stock.</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;&nbsp;<u>Restrictions</u>.&nbsp;&nbsp;The Restricted Stock Award shall be granted to
a Participant only pursuant to an Agreement, which shall set forth such terms and conditions of the Restricted Stock Award as may be determined by the Committee to be consistent with the Plan, and which may include additional provisions and restrictions that are not
inconsistent with the Plan.&nbsp; During the Restriction Period, a Participant may not sell, assign, transfer, pledge, or otherwise dispose of the shares of Stock subject to the Restricted Stock Award except in accordance with Article VI hereof.&nbsp; Except for any
restrictions under applicable law or pursuant to any Company policy restricting the trading of shares of Stock by directors and officers, all restrictions imposed under the Restricted Stock Award shall lapse (i) upon the expiration of the Restriction Period, subject
to the provisions of subparagraph (c) below or (ii) as provided under Section 8.3.&nbsp;</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;&nbsp;<u>Restriction Period</u>.&nbsp; The rights of a Participant in respect of a
Restricted Stock Award shall be subject to a Restriction Period commencing on the Grant Date and ending on the third anniversary of the Grant Date provided that:&nbsp;</font></p>

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<p><font size="2" face="Times New
Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp;&nbsp;If during the Restriction
Period, the Participant is terminated as a Board member by death or disability (as defined in Section 22(e)(3) of the Code), or in the event the Participant fails to be re-elected to serve as a Board member, then for each full year such Participant served as a Board
member during the Restriction Period, one&#8209;third&nbsp;(1/3) of the shares of Stock subject to the applicable Restricted Stock Award shall be deemed fully vested, and the restrictions with respect such vested shares shall lapse on the date of termination.&nbsp;
Upon any such termination, if any portion of the Restricted Stock Award remains unvested pursuant to this subparagraph (i), Participant shall immediately return the share certificates for the Stock granted under the Restricted Stock Award to the Company and the
Company will re-issue share certificates to Participant representing the vested portion of the Restricted Stock Award.</font></p>

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<p><font size="2" face="Times New
Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii)&nbsp;&nbsp;If during the Restriction
Period, a Participant is terminated as a Board member for any reason other than the circumstances described in subparagraph (i) above, the Restricted Stock Award shall terminate and Participant shall immediately return the share certificates for the Stock granted
under the Restricted Stock Award to the Company.&nbsp;</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)&nbsp;&nbsp;<u>Rights of Participant</u>.&nbsp;&nbsp;The Participant shall be entitled to
delivery of certificates representing the shares of Stock granted under the Restricted Stock Award.&nbsp; Upon the grant of a Restricted Stock Award, the Participant receiving the grant shall be entitled to vote the shares of Stock and to receive any dividends paid
thereon.&nbsp;</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e)&nbsp;&nbsp;<u>Stock Certificates</u>.&nbsp;&nbsp;A stock certificate registered in the
name of each Participant receiving a Restricted Stock Award (or in the name of a trustee for the benefit of each Participant) shall be issued in respect of the shares of Stock issuable pursuant to such Restricted Stock Award.&nbsp; Such certificate shall bear
whatever appropriate legend referring to the terms, conditions, and restrictions applicable to such award as the Board or the Committee shall determine.&nbsp;</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.3&nbsp;&nbsp;&nbsp;<u>Unrestricted Stock Awards</u>.&nbsp;&nbsp;Effective for all periods prior to January 1, 2005, unrestricted Stock Awards shall be
granted automatically as follows:</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;&nbsp;<u>Number</u>.&nbsp;&nbsp;Each Participant shall automatically be
granted an Unrestricted Stock Award on a yearly basis with respect to a number of shares of Stock equal to $10,000 divided by the Fair Market Value of the Stock as of the Grant Date.&nbsp; The initial Grant Date for each Non-Affiliated Participant shall be the
earlier to occur of (i)&nbsp;the Effective Date, if the Participant is serving as a Board member on such date, or (ii) the first date after the Effective Date that such Participant is elected by the shareholders of the Company to serve as a Board member.&nbsp; The
initial Grant Date for each Affiliated Participant&nbsp; shall be on the earlier to occur of: (x) the Underwriting Date, or (y) the&nbsp; date on which the agreement pursuant to which a management fee is required to be paid by the Company to the Affiliated
Participant or the Affiliated Participant&rsquo;s employer shall be terminated.&nbsp; Each year thereafter, each Participant shall automatically be granted an additional Unrestricted Stock Award with respect to a number of shares of Stock equal to $10,000 divided by
the Fair Market Value of the Stock on the anniversary date of the initial Unrestricted Stock Award grant to such Participant, provided he or she is serving as a Board member on such date.</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;&nbsp;<u>Rights of Participant</u>.&nbsp;&nbsp;Ownership of shares under
an Unrestricted Stock Award shall vest in the Participant immediately upon the Grant Date.&nbsp; The Participant shall be entitled to delivery of stock certificates representing the shares of Stock granted under the Unrestricted Stock Award.&nbsp; Upon the grant of
an Unrestricted Stock Award, the Participant receiving the grant shall be entitled to all the rights of a shareholder of the Company.&nbsp;</font></p>

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<p align="center"><b><font size="2" face="Times New Roman">ARTICLE V.</font></b><b>&nbsp; STOCK SUBJECT TO PLAN</b></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.1&nbsp;&nbsp;&nbsp;<u>Source of Shares</u>.&nbsp;&nbsp;Upon the grant of a Stock Award or the exercise of an Option, the Company shall transfer to the
Participant authorized but previously unissued shares of Stock or, if determined by the Board, shares of Stock that are held in treasury.</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2&nbsp;&nbsp;&nbsp;<u>Maximum Number of Shares</u>.&nbsp;&nbsp;The maximum aggregate number of shares of Stock (including shares issuable upon exercise
of all Options) that may be issued pursuant to this Plan is 400,000 shares, subject to increases and adjustments as provided in Article VIII.&nbsp; Should the exercise price of an Option under the Plan be paid with shares of Stock or should shares of Stock otherwise
issuable under the Plan be withheld by the Company in satisfaction of the withholding taxes incurred in connection with the exercise of an Option or the grant of a Stock Award, then the number of shares of Stock issuable under the Plan shall be reduced by the gross
number of shares of Stock for which the Option is exercised, and not by the net number of shares of Stock issued to the Participant.&nbsp; If, on any Grant Date, there are not sufficient shares of Stock that remain available pursuant to this Section 5.2 to provide
the grant on such date, then the number of shares of Stock subject to the grant on that date shall be determined on a pro-rata basis, with fractional shares rounded down to the nearest number of whole shares.&nbsp; All references to numbers of shares of Stock subject
to grants under Article IV are subject to adjustment in accordance with Article VIII.</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.3&nbsp;&nbsp;&nbsp;<u>Forfeitures</u>.&nbsp;&nbsp;If any Option or Restricted Stock Award granted hereunder is forfeited, expires or terminates for any
reason, in part or whole, the shares of Stock subject thereto which are thus forfeited shall again be available for issuance under the Plan.</font></p>

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<p align="center"><b><font size="2" face="Times New Roman">ARTICLE VI.</font></b><b>&nbsp; TRANSFERABILITY OF OPTIONS AND<br />
 RESTRICTED STOCK AWARDS</b></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any Option or Restricted Stock Award granted under this Plan shall not be transferable except by will or by the laws of descent and distribution, and shall be exercisable during the lifetime
of the Participant only by the Participant; provided, however, that an Option or Restricted Stock Award&nbsp; may be transferable to the extent provided in an Agreement.&nbsp; No right or interest of a Participant in any Option or Restricted Stock Award shall subject
to any lien, obligation or liability of such Participant.&nbsp;</font></p>

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<p align="center"><b><font size="2" face="Times New Roman">ARTICLE VII.</font></b><b>&nbsp; METHOD OF EXERCISE OF OPTIONS</b></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7.1&nbsp;&nbsp;&nbsp;<u>Exercise</u>.&nbsp;&nbsp;An Option granted hereunder shall be deemed to have been exercised on the Date of Exercise. Subject to
the provisions of Articles VI and IX, an Option may be exercised in whole or in compliance with such requirements as the Committee shall determine, but in no event sooner than six months from the date of grant.</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7.2&nbsp;&nbsp;&nbsp;<u>Payment</u>.&nbsp;&nbsp;Except as otherwise provided by the Option Agreement, payment of the exercise price of an Option shall be
made (i) in cash, (ii) where the Stock is publicly traded on a recognized exchange or automated trading system, in actual or constructive delivery of Stock that was acquired at least six months prior to the exercise of the Option, or such shorter or longer period, if
any, as is required by the Company&rsquo;s accountants to avoid a charge to the Company&rsquo;s earnings for financial reporting purposes, (iii) where the Stock is publicly traded on a recognized exchange or automated trading system, through a special sale and
remittance procedure pursuant to which a Participant shall concurrently provide irrevocable instructions to (a) a Company-designated brokerage firm to effect the immediate sale of the purchased shares and remit to the Company, out of the sale proceeds available on
the settlement date, sufficient funds to cover the aggregate exercise price payable for the purchased shares plus all applicable income and employment taxes required to be withheld by the Company by reason of such exercise and (b) the Company to deliver the
certificates for the purchased shares directly to such brokerage firm in order to complete the sale, (iv) in other consideration acceptable to the Committee, or (v) in a combination thereof; provided, however, that a form of payment other than cash is only acceptable
to the extent that the same is approved by the Committee. Payment of the exercise price must include payment of tax withholding, as described in Section 7.3, in cash unless the Company consents to alternative arrangements for withholding.</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7.3&nbsp;&nbsp;&nbsp;<u>Withholding Tax Requirements</u>.&nbsp;&nbsp;Upon exercise of an Option, the Participant shall, upon notification of the amount
due and prior to or concurrently with the delivery of the certificates representing the shares, pay to the Company amounts necessary to satisfy applicable federal, state and local withholding tax requirements or shall otherwise make arrangements satisfactory to the
Company for such requirements, but only to the extent that the Company is required by law to withhold such amounts or that the Participant voluntarily elects for such withholding.</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7.4&nbsp;&nbsp;&nbsp;<u>Issuance and Delivery of Shares</u>.&nbsp;&nbsp;Shares of Stock issued pursuant to the exercise of Options hereunder shall be
delivered to Participants by the Company (or its transfer agent) as soon as administratively feasible after a Participant exercises an Option hereunder and executes any applicable shareholder agreement or agreement described in Section 9.2 that the Company requires
at the time of exercise.</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7.5&nbsp;&nbsp;&nbsp;<u>Fractional Shares</u>.&nbsp;&nbsp;Only whole shares of Stock may be issued pursuant to a Stock Award or upon exercise of an
Option.&nbsp; Any fractional shares resulting from the calculations under Sections 4.1, 4.2 and 4.3 shall be rounded down to the nearest whole share.&nbsp; Any amounts tendered in the exercise of an Option remaining after the maximum number of whole shares of Stock
have been purchased will be returned to the Participant in the form of cash.</font></p>

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<p align="center"><b><font size="2" face="Times New Roman">ARTICLE VIII.</font></b><b>&nbsp; ADJUSTMENT UPON CORPORATE CHANGES</b></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8.1&nbsp;&nbsp;&nbsp;<u>Adjustments to Shares</u>.&nbsp;&nbsp;The maximum number of shares of Stock with respect to which Options or Stock Awards
hereunder may be granted and which are the subject of outstanding Options or Stock Awards, and the exercise price of Options, shall only be adjusted as the Committee determines (in its sole discretion) to be appropriate, in the event that:</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;&nbsp;the Company effects one or more Stock dividends, Stock splits, reverse Stock
splits, subdivisions, consolidations or other similar events;</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;&nbsp;the Company engages in a transaction which is described in section 424(a) of
the Code; or</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;&nbsp;there occurs any other event which in the judgment of the Committee
necessitates such action; provided, however, that if an event described in paragraph (a) or (b) occurs, the Committee shall make adjustments to the limit on Options or Stock Awards specified in Section 5.2 that are proportionate to the modifications of the Stock that
are on account of such corporate changes.&nbsp; Notwithstanding the foregoing, the Committee may not modify the Plan or the terms of any Options or Stock Awards then outstanding or to be granted hereunder to provide for the issuance under the Plan of a different
class of stock or kind of securities. If an event described in paragraph (a), (b) or (c) occurs, the number of shares of Stock subject to each Option grant to be granted following such event pursuant to Section 4.1(a) shall not be adjusted to reflect such event
unless the Board (in its sole discretion) determines otherwise.</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8.2&nbsp;&nbsp;&nbsp;<u>Substitution of Options on Merger or Acquisition</u>.&nbsp;&nbsp;The Committee may grant Options or Stock Awards in substitution
for stock awards, stock options, stock appreciation rights or similar awards held by an individual who becomes a director of the Company in connection with a transaction to which section 424(a) of the Code applies. The terms of such substituted Options or Stock
Awards shall be determined by the Committee in its sole discretion, subject only to the limitations of Article V.</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8.3&nbsp;&nbsp;&nbsp;<u>Effect of Certain Transactions</u>.&nbsp;&nbsp;The provisions of this Section 8.3 shall apply to the extent that an Agreement does
not otherwise expressly address the matters contained herein. If the Company experiences an event which results in a "Change in Control," as defined in Section 8.3(a), then, whether or not the vesting requirements set forth in any Agreement have been satisfied, (i)
all Options that are outstanding at the time of the Change in Control shall become fully vested and exercisable immediately prior to the Change in Control event, and (ii) the Restriction Period on an outstanding Restricted Stock Award shall automatically expire and
all restrictions imposed under such Restricted Stock Award shall immediately lapse.</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;&nbsp;A Change in Control will be deemed to have occurred for purposes hereof if (1)
any "person" as such term is used in Sections 13(d) and 14(d) of the Exchange Act, other than an individual who is a shareholder on the date of the adoption of the Plan by the Board, becomes the "beneficial owner" (as defined in Rule 13d-3 under said Act), directly
or indirectly, of securities of the Company representing more than 50% of the total voting power represented by the Company&rsquo;s then outstanding Voting Securities (as defined below), or (2) the shareholders of the Company approve a merger or consolidation of the
Company with any other entity, other than a merger or consolidation which would result in the Voting Securities of the Company outstanding immediately prior thereto continuing to represent (either by remaining outstanding or by being converted into Voting Securities
of the surviving entity) more than 50% of the total voting power represented by the Voting Securities of the Company or such surviving entity outstanding immediately after such merger or consolidation, or (3) the shareholders of the Company approve a plan of complete
liquidation of the Company or an agreement for the sale or disposition by the Company of all or substantially all of its assets. For purposes of this Section 8.3(a), "Voting Securities" of an entity shall mean any securities of the entity which vote generally in the
election of its directors.</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;&nbsp;In the event of a Change in Control, the Committee may provide, in its
discretion and on such terms and conditions as it deems appropriate, either by the terms of the Agreement or by a resolution adopted prior to the occurrence of the Change in Control, that:</font></p>

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<p><font size="2" face="Times New
Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
any outstanding Option shall be assumed by the surviving corporation or any successor corporation to the Company, or a parent or subsidiary thereof, or other corporation that is a party to the transaction resulting in the Change in Control, in which event, (1) the
shares of the Stock subject to such Option shall be substituted with the number and class of securities of the successor, surviving or other corporation that would have been issued to the Participant in exchange for shares of the Stock pursuant to the Change in
Control transaction had the Option been exercised prior to such transaction, (2) notwithstanding Section 8.3(b)(i)(1) hereof, the number of such securities of the successor, surviving or other corporation that is made subject to such Option shall be adjusted as
necessary so that the aggregate value of such securities shall be equal to the aggregate value of the consideration that would have been paid or issued to the Participant in exchange for the shares of Stock pursuant to the Change in Control transaction had the Option
been exercised immediately prior to such transaction, and (3) the exercise price payable per share of Stock subject to such Option shall be appropriately adjusted provided, however, that the aggregate exercise price for such Option shall remain the same;</font></p>

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<p><font size="2" face="Times New
Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii)&nbsp;&nbsp;any outstanding Option shall
be converted into a right to receive cash on or following the closing date or expiration date of the Change in Control transaction in an amount equal to the aggregate value of the consideration that would have been paid or issued to the Participant in exchange for
shares of the Stock pursuant to the Change in Control transaction had the Option been exercised immediately prior to such transaction less the aggregate exercise price of such Option;</font></p>

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<p><font size="2" face="Times New
Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii)&nbsp;&nbsp;any outstanding Option cannot be
exercised after such a Change in Control; or</font></p>

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<p><font size="2" face="Times New
Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv)&nbsp;&nbsp;any outstanding Option may
be dealt with in any other manner determined in the discretion of the Committee.</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;&nbsp;Notwithstanding the foregoing, a portion of the acceleration of
vesting described in this Section shall not occur with respect to an Option to the extent such acceleration of vesting would cause the Participant or holder of such Option to realize less income, net of taxes, after deducting the amount of excise taxes that would be
imposed pursuant to section 4999 of the Code, than if accelerated vesting of that portion of the Option did not occur. This limitation shall not apply (i) to the extent that the Company, an Affiliate or the acquirer are obligated to indemnify the Participant or
holder for such excise tax liability under an enforceable "golden parachute" indemnification agreement, or (ii) to the extent applicable, the shareholder approval described in Q&amp;A 7 of Prop. Treas. Reg. ss. 1.280G-1 issued under section 280G of the Code is
obtained to permit the acceleration of vesting described in this Section (applied as if the shareholder approval date was the date of the Change in Control).</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)&nbsp;&nbsp;Notwithstanding anything to the contrary contained herein, a change
in ownership that occurs as a result of a public offering of the Company&rsquo;s equity securities that is approved by the Board shall not constitute a Change in Control.</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8.4&nbsp;&nbsp;&nbsp;<u>No Adjustment upon Certain Transactions</u>.&nbsp;&nbsp;The issuance by the Company of shares of stock of any class, or securities
convertible into shares of stock of any class, for cash or property, or for labor or services rendered, either upon direct sale or upon the exercise of rights or warrants to subscribe therefor, or upon conversion of shares or obligations of the Company convertible
into such shares or other securities, shall not affect, and no adjustment by reason thereof shall be made with respect to, outstanding Options or Stock Awards.</font></p>

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<p align="center"><b><font size="2" face="Times New Roman">ARTICLE IX.</font></b><b>&nbsp; COMPLIANCE WITH LAW AND REGULATORY APPROVAL</b></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.1&nbsp;&nbsp;<u>General</u>.&nbsp;&nbsp;No Option shall be exercisable, no shares of Stock shall be issued, no certificates for shares of Stock shall be
delivered, and no payment shall be made under this Plan except in compliance with all federal, state and local laws and regulations including, without limitation, withholding tax requirements, federal and state securities laws and regulations and the rules and
regulations of any government or regulatory agency or body and in compliance with the rules of all securities exchanges or self-regulatory organizations on which the Company&rsquo;s shares may be listed, which the Committee shall, in its discretion, determine to be
necessary or applicable, in all respects. The Company shall have the right to rely on an opinion of its counsel as to such compliance. Any certificate issued to evidence shares of Stock for which an Option is exercised or a Stock Award is granted may bear such
legends and statements as the Committee upon advice of counsel may deem advisable to assure compliance with federal or state laws and regulations.</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.2&nbsp;&nbsp;<u>Representations</u> <u>by Participants</u>.&nbsp;&nbsp;As a condition to the exercise of an Option or issuance of a Stock Award, the
Company may require a Participant to represent and warrant at the time of any such exercise or grant that the shares are being acquired only for investment and without any present intention to sell or distribute such shares, if, in the opinion of counsel for the
Company, such representation is required by any relevant provision of the laws referred to in Section 9.1. At the option of the Company, a stop transfer order against any shares of Stock may be placed on the official stock books and records of the Company, and a
legend indicating that the Stock may not be pledged, sold or otherwise transferred unless an opinion of counsel was provided (concurred in by counsel for the Company) and stating that such transfer is not in violation of any applicable law or regulation may be
stamped on the stock certificate in order to assure exemption from registration. The Committee may also require such other action or agreement by the Participants as may from time to time be necessary to comply with federal or state securities laws. This provision
shall not obligate the Company or any Affiliate to undertake registration of Options or Stock hereunder.</font></p>

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<p align="center"><b><font size="2" face="Times New Roman">ARTICLE X.&nbsp; GENERAL PROVISIONS</font></b></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.1&nbsp;&nbsp;<u>Unfunded</u> <u>Plan</u>.&nbsp;&nbsp;The Plan, insofar as it provides for grants, shall be unfunded, and the Company shall not be
required to segregate any assets that may at any time be represented by grants under this Plan. Any liability of the Company to any person with respect to any grant under this Plan shall be based solely upon contractual obligations that may be created hereunder. No
such obligation of the Company shall be deemed to be secured by any pledge of, or other encumbrance on, any property of the Company.</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.2&nbsp;&nbsp;&nbsp;<u>Rules of Construction</u>.&nbsp;&nbsp;Headings are given to the articles and sections of this Plan solely as a convenience to
facilitate reference. The masculine gender when used herein refers to both masculine and feminine. The reference to any statute, regulation or other provision of law shall be construed to refer to any amendment to or successor of such provision of law.</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.3&nbsp;&nbsp;&nbsp;<u>Governing Law</u>.&nbsp;&nbsp;The internal laws of the State of Texas (without regard to choice of law) shall apply to all
matters arising under this Plan, to the extent that federal law does not apply.</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.4&nbsp;&nbsp;&nbsp;<u>Compliance with Section 16 of the Exchange Act</u>.&nbsp;&nbsp;Transactions under this Plan are intended to comply with all
applicable conditions of Rule 16b-3 (or successor provisions) promulgated under the Exchange Act. To the extent any provision of this Plan or action by Committee fails to so comply, it shall be deemed null and void to the extent permitted by law and deemed advisable
by the Committee.</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.5&nbsp;&nbsp;&nbsp;<u>Amendment</u>.&nbsp;&nbsp;The Board may amend or terminate this Plan at any time; provided, however, an amendment that would have
a material adverse effect on the rights of a Participant under an outstanding Option or Stock Award is not valid with respect thereto without the Participant&rsquo;s consent; and provided, further, that the shareholders of the Company must approve, in general
meeting, any amendment that changes the number of shares in the aggregate which may be issued pursuant to Options or Stock Awards granted under the Plan. Such amendment must be approved coincident with or prior to the date Options or Stock Awards are granted with
respect to such shares.</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.6&nbsp;&nbsp;&nbsp;<u>Disputes and Dispute Resolution</u>.</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;&nbsp;Any and all claims arising out of or relating to the Plan, or the
Committee&rsquo;s administration or interpretation of the Plan with respect to any Participant, shall be resolved by binding arbitration which shall be the sole and exclusive method of resolving such disputes or claims and shall be in lieu of any trial before a court
of jury. The Committee, in offering an option grant under this Plan, and a Participant, in accepting any option grant under the Plan, expressly waive any and all rights to a trial before a court or jury regarding any disputes and claims which arise from or relate to
the Plan, and any option grant made under the Plan.</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;&nbsp;Arbitration shall be conducted within Bexar County, Texas before a single
neutral arbitrator selected jointly by the Committee and the Participant in accordance with the rules of the American Arbitration Association ("AAA") rules and applicable law then in effect. However, the standard of review to be applied by the Arbitrator shall be
whether the Committee&rsquo;s disputed act, omission or decision with respect to the Participant was contrary to any Plan provision or otherwise arbitrary and capricious.</font></p>

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<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;&nbsp;To the extent that any of the provisions of this Section 10.6 or the AAA Rules
conflicts with applicable law for the arbitration of contract disputes, the provisions or procedures required by applicable law shall govern.</font></p>

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