THE NATIONAL FIBERSTOK CORPORATION 401(K) SAVINGS PLAN

TABLE OF CONTENTS                                       

INTRODUCTION

ARTICLE I DEFINITIONS

ARTICLE II ELIGIBILITY AND PARTICIPATION

2.1 ELIGIBILITY

2.2 PARTICIPATION

2.3 BENEFICIARY DESIGNATION

2.4 NOTIFICATION OF INDIVIDUAL ACCOUNT BALANCE

ARTICLE III CONTRIBUTIONS

3.1 EMPLOYEE PRE-TAX AND POST-TAX CONTRIBUTIONS

3.2 EMPLOYER MATCHING CONTRIBUTIONS

3.3 EMPLOYER DISCRETIONARY CONTRIBUTIONS

3.4 ROLLOVER CONTRIBUTIONS

3.5 MAXIMUM DEDUCTIBLE CONTRIBUTION

3.6 ACTUAL DEFERRAL PERCENTAGE TEST

3.7 AYMENT OF CONTRIBUTIONS TO TRUSTEE

3.8 PARTICIPANT INVESTMENT DIRECTION

3.9 MATCHING CONTRIBUTION PERCENTAGE TEST

3.10 MULTIPLE USE RESTRICTIONS

ARTICLE IV ALLOCATIONS TO INDIVIDUAL ACCOUNTS

4.1 INDIVIDUAL ACCOUNTS

4.2 ALLOCATION OF EMPLOYEE PRE-TAX AND POST-TAX CONTRIBUTIONS

4.3 ALLOCATION OF EMPLOYER MATCHING CONTRIBUTIONS

4.4 ALLOCATION OF EMPLOYER DISCRETIONARY CONTRIBUTIONS

4.5 ALLOCATION OF ADJUSTMENT

4.6 [RESERVED]

4.7 EQUITABLE ALLOCATIONS

4.8 MAXIMUM ADDITIONS

4.9 MULTIPLE PLAN PARTICIPATION

ARTICLE V DISTRIBUTIONS

5.1 RETIREMENT

5.2 DEATH BEFORE RETIREMENT OR TERMINATION OF EMPLOYMENT

5.3 TERMINATION OF EMPLOYMENT

5.4 METHOD OF PAYMENT

5.5 BENEFITS TO MINORS AND INCOMPETENTS

5.6 PAYMENT OF BENEFITS

5.7 DIRECT ROLLOVERS

ARTICLE VI LOANS AND WITHDRAWALS

6.1 LOANS TO PARTICIPANTS

6.2 HARDSHIP WITHDRAWALS

ARTICLE VII FUNDING

7.1 CONTRIBUTIONS

7.2 TRUSTEE

ARTICLE VIII FIDUCIARIES

8.1 GENERAL

8.2 CORPORATION

8.3 TRUSTEE

8.4 COMMITTEE

8.5 CLAIMS FOR BENEFITS

8.6 DENIAL OF BENEFITS- REVIEW PROCEDURE

8.7 RECORDS

8.8 MISSING PERSONS

8.9 QUALIFIED DOMESTIC RELATIONS ORDERS

ARTICLE IX AMENDMENT AND TERMINATION OF THE PLAN

9.1 AMENDMENT OF THE PLAN

9.2 TERMINATION OF THE PLAN

ARTICLE X PROVISIONS RELATIVE TO EMPLOYERS INCLUDED IN PLAN

10.1 METHOD OF PARTICIPATION

10.2 WITHDRAWAL

ARTICLE XI TOP-HEAVY PROVISIONS

11.1 DETERMINATION OF TOP-HEAVY

11.2 TOP-HEAVY DEFINITIONS

ARTICLE XII MISCELLANEOUS

12.1 GOVERNING LAW

12.2 CONSTRUCTION

12.3 ADMINISTRATION EXPENSES

12.4 PARTICIPANT'S RIGHTS; ACQUITTANCE

12.5 SPENDTHRIFT CLAUSE

12.6 MERGER, CONSOLIDATION OR TRANSFER

12.7 MISTAKE OF FACT

12.8 COUNTERPARTS

ARTICLE XIII ADOPTION OF THE PLAN

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