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EXHIBIT 4(c)
AMENDMENT TO THE
POTTERS SAVINGS AND LOAN 401(k) RETIREMENT SAVINGS PLAN
This Amendment is hereby made effective January 1, 1999 by and between First
Bankers Trust, hereinafter referred to as the "Trustees" and The Potters Savings
and Loan Company, hereinafter referred to as the "Employer".
EMPLOYER INFORMATION
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B1 Name of Employer Potters Bank
Articles VI, Section 6.4(b):
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D6 VESTING OF PARTICIPANT'S INTEREST (Plan Section 6.4(b))
The vesting schedule, based on number of Years of Service, shall be as
follows:
d. (X) 0 year 0%
1 years 20%
2 years 40%
3 years 60%
4 years 80%
5 years 100%
Signed in the presence of:
Potters Bank
/s/ Stephen A. Beadnell /s/ Edward L. Baumgardner
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(SIGNATURE OF WITNESS) (SIGNATURE OF EMPLOYER)
/s/ Deborah J. Staff /s/ Carmen Walch, Trust Officer
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(SIGNATURE OF WITNESS) (SIGNATURE OF TRUSTEE)
May 3, 1999 (date signed)
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