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EXHIBIT 4(d)
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 Potters Bank,
hereinafter referred to as the "Employer".
A1 The POTTERS SAVINGS AND LOAN 401(k) RETIREMENT SAVINGS PLAN Is hereby
renamed the:
POTTERS BANK 401(k) RETIREMENT SAVINGS PLAN
And the Sponsoring Employer is now:
B1 Name of Employer Potters Bank
B2 Address 519 Broadway
East Liverpool, Ohio 43920
Telephone (330) 385-0770
B3 Employer Identification Number: 34-0469820
B4 Date Business Commenced: February 1, 1889
D13 EARLY RETIREMENT DATE (Plan Section 1.14) means the:
c. (X) first day of the month coinciding with or next
following the date on which a Participant...
AND, if b, c or d was selected....
1. (X) attains his 55TH birthday and has
2. (X) completed at least 5 Years of Service.
Signed on Dec. 16, 1999 (date) in the presence of:
POTTERS BANK
/s/ Tammy D. May /s/ Anne S. Myers
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(SIGNATURE OF WITNESS) (SIGNATURE OF EMPLOYER)
/s/ Marilyn Heinie /s/ Deborah J. Staff
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(SIGNATURE OF WITNESS) (SIGNATURE OF TRUSTEE)
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