FOR BETTER LIVING, INC.

                       INCENTIVE BONUS COMPENSATION PLAN

Effective  September 15, 1980, the Incentive Bonus  Compensation  Plan for Chief
Executive  Officers  ("CXO") of the Company and its operating  subsidiaries  has
been amended by the Board of Directors of the Company ("Board").  The provisions
of the Plan, as amended, are as follows:

Part I. For the size of the  participant's  area of profit  responsibility  -- a
     payment of 4% of the audited  earnings  before taxes  ("earnings")  for the
     first  $500,000  earned;  plus  3% of the  earnings  between  $500,000  and
     $1,000,000; plus 2% of the earnings between $1,000,000 and $2,000,000; plus
     1% of the earnings above $2,000,000.

Part II. If the hardcore  commitment is achieved,  for improvement over the best
     prior year (agreed  best prior year  targets to be stated in  writing),  an
     additional  amount  equal to the greater of: (A) 5% of the increase in such
     earnings over the previous high since  assumption of profit  responsibility
     by the participant, (B) 10% of the increase in the hardcore commitment over
     such  commitment  in the prior year, or (C) 10% of the increase in earnings
     on  investment,  viz, 10% of the amount by which earnings were increased on
     every  dollar of  invested  capital  (equity and  long-term  debt) over the
     previous  high  for  the  area of  operations  up to a  maximum  of 100% of
     earnings on invested  capital (for  earnings in excess of  $2,000,000,  the
     percentages are one-half the rates specified in (A), (B) and (C), above.)

Ground   Rules:   The  Board   requires  that  the  Company  and  its  operating
subsidiaries'  earnings  and bonus  rewards be  achieved by  complying  with the
Company's  basic  policies,  which include  observance  of  applicable  laws and
principles of integrity in dealing with  employees.  In this section,  the Board
does not  propose to cite all  possible  rules or  contingencies  governing  the
Incentive  Bonus  Compensation  Plan, but the following  rules are mentioned for
examples and for emphasis:

     A.   The  incentive  is payable  only for a whole  year's  work and will be
          payable only if the CXO remains in that position  until  completion of
          the year for  which the bonus was  calculated.  Effective  January  1,
          1980,  non-forfeitable advance payments may be made under this Plan on
          a quarterly  basis.  Such  payments  will be at the rate of 50% of the
          amount  computed  under Part I, above,  calculated  on a  year-to-date
          basis.

     B.   Internal  target and  hardcore  figures must be  established  with the
          Board in the Total Annual Plan meeting at the beginning of each fiscal
          year;  however,  adjustments  in  these amounts may be appealed to the
          Board during the first ninety days of the fiscal year.

     C.   Accounting  calculations  will be made in  accordance  with the latest
          provisions of the Company's Accounting Manual.

     D.   All payments made under the Plan are subject to normal Federal,  State
          and Local withholding taxes.




IN WITNESS  WHEREOF,  the  Company  has caused  this  APPENDIX to the FOR BETTER
LIVING,  INC.  PERFORMANCE  SHARE  PLAN to be  executed  by its duly  authorized
officers and the corporate seal to be hereunto  affixed  effective this 13th day
of October, 1987.

FOR BETTER LIVING, INC.

                             By: /s/ Frank Ciotti       Executive Vice President
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                             Attest: /s/ W. J. Nolan
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