Microsoft Word 10.0.2627;Supplemental Severance Pay Policy





   The Company has adopted a severance pay policy providing executive officers
   and key employees with salary continuation in the event of a termination.
   Terminations resulting from cause, resignation, retirement, death, and
   disability are not eligible. Subject to the company's discretion, the policy
   generally provides for one month's base pay for each full year of service
   with a minimum amount payable of three months and a maximum amount payable of
   twelve months. This is not a vested benefit and may be amended or terminated
   at any time.