PLAN AMENDMENT, MODIFICATION AND/OR TERMINATION: The Company intends to continue this Plan indefinitely, but reserves the right to terminate, amend or modify the Plan in any way at any time in compliance with the following:

1. The person(s) authorized by the Company to sign stop-loss contracts and TPA Agreements may modify or amend the Plan at their sole discretion. Modification or amendment to the Plan must be by the written approval of the authorized person(s). The authorized person(s) shall be entitled to consider and rely on the recommendations of the Company's accountants, actuaries, attorneys, benefits consultants, and/or other advisors in reviewing and acting on any proposed plan modification or amendment. The Company will notify Covered Employees of any modification or amendment which affects them or the benefits made available to them under the Plan. No amendment, modification, or change may retroactively affect Employee's benefits unless necessary to conform to ERISA requirements.
2. The Company reserves the right to terminate the Plan at any time by a written statement from the person(s) authorized by the Company to sign stop-loss contracts and TPA Agreements. If the Plan is discontinued, the Company will notify the Covered Employees in writing.

In the event of termination of the Plan, all eligible claims outstanding at that time will be handled according to written instructions provided by the Company and based on available funds.