TABLE OF CONTENTS

ARTICLE I RESTATEMENT OF PLAN

1.1.      Action by Company

1.2.      Purpose of the Plan

ARTICLE II DEFINITIONS

2.1.      Account

2.2.      Beneficiary

2.3.      Company Contributions

2.4.      Compensation

2.5.      Effective Date

2.6.      Election Date

2.7.      Eligible Employee

2.8.      Employee

2.9.      Investment Fund

2.10.    Match Rate

2.11.    Participant

2.12.    articipating Employer

2.13.    Personal Salary Deferral Contributions

2.14.    Plan Year

2.15.    Regular 401(k) Plan

2.16.    Regular 401(k) Plan Matched Contributions

2.17.    Reporting Person

2.18.    Reporting Person's HCSF Sub-Account

ARTICLE III ELIGIBILITY

3.1.      Eligibility on Election Dates

3.2.      Eligibility Requirements

3.3.      Participation

3.4.      Suspension

ARTICLE IV PARTICIPANT DEFERRAL OF COMPENSATION

4.1.      Election

4.2.      Time for Making Election

4.3.      Special Rule for Reporting Persons

4.4.      Cessation of Personal Salary Deferral Contributions

ARTICLE V COMPANY CONTRIBUTIONS

ARTICLE VI ACCOUNTS

6.1.      Establishment of Accounts

6.2.      Crediting of Personal Salary Deferral Contributions

6.3.      Crediting of Company Contributions

6.4.      Crediting or Debiting of Investment Returns

6.5.      Debiting of Payments

ARTICLE VII HYPOTHETICAL INVESTMENTS

7.1.      Election of Hypothetical Investments

7.2.      Crediting of Investment Returns

ARTICLE VIII VESTING

8.1.      Personal Salary Deferral Contributions

8.2.      Company Contributions

ARTICLE IX PAYMENT OF BENEFITS

9.1.      Election

9.2.      Commencement of Payments

9.3.      Timing of Payments

9.4.      Set Off and Withholding

9.5.      Determination of Payment Amounts

9.6.      Unforeseeable Emergency

9.7.      Change in Control

9.8.      General Right to Accelerate Payment

9.9.      Payments after Death

9.10.    All Payments to be Made by the Company

9.11.    Special Rule for Non-deductible Amounts

9.12.    Special Rule for Reporting Persons

ARTICLE X PARTICIPATING EMPLOYERS OTHER THAN THE COMPANY

10.1.    Adoption

10.2.    Withdrawal

10.3.    Succession

ARTICLE XI ADMINISTRATION AND CLAIMS PROCEDURES

11.1.    Administrative Duties of the Company

11.2.    Claims Procedures

11.3.    Books and Records

11.4.    Notices

ARTICLE XII AMENDMENT AND TERMINATION

ARTICLE XIII MISCELLANEOUS

13.1.    Company's Obligations Unsecured

13.2.    No Alienation

13.3.    No Waiver of Rights

13.4.    Sever ability

13.5.    Legal Expenses

13.6.    Presumption of Competence

13.7.    Facility of Payment

13.8.    No Guarantee of Employment or Compensation

13.9.    Plan Provisions Binding

13.10.  Rules of Interpretation

13.11.  Missouri Law Controls

13.12.  Reporting Persons

13.13.  Counterparts