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                                                             Exhibit 10(iii)A(e)
                 

                                   APPENDIX B




B.1. Eligible Individual: James S. Balloun

B.2. Effective Date of Participation:  Pursuant to Section 2.1(b), Mr. Balloun's
date of participation shall be February 1, 1996.

B.3. Special  Provisions:  The following  special  provisions shall apply to Mr.
Balloun's participation in the Plan:

     (a) Except for  purposes of  determining  whether  Mr.  Balloun is a Vested
Terminee and entitled to a Vested  Pension under the Plan,  Mr.  Balloun will be
credited with two (2) years of Credited  Service under  Sections  1.1(q) and 2.3
for each year of Credited Service he would otherwise receive under the Plan.

     (b) Mr. Balloun will qualify as a Vested  Terminee if he completes five (5)
years of employment with NSI from his Service Date to his Termination Date.

Except as  otherwise  specifically  provided in this  Appendix B, Mr.  Balloun's
benefits  under the Plan  shall be  determined  in the same  manner as for other
Participants.