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, <br /> , � � <br />� , � <br /> 4 . 09 Facility of Payments. When any person entitled to <br /> benefits under the Plan is under legal disability or, in the Plan <br /> Administrator's opinion, is in any way incapacitated so as to be <br /> unable to manage his or her affairs, the Plan Administrator may <br /> cause the benefits that would otherwise be payable to such person <br /> to be paid to such person's legal representative for his or her <br /> benefit or to be applied for the benefit of such person in any <br /> other manner that the Plan Administrator may determine. Such <br /> payment of benefits shall completely discharge the liability of <br /> the Plan Administrator or the Employer for such benefits. Except <br /> as provided herein, all payments shall be made solely to the <br /> Participant. Under no circumstances shall any reimbursements <br /> under this Plan be made to a third party provider. <br /> 4.10 Gender and Number. Where the context requires, words <br /> in the masculine gender shall include the feminine and neuter <br /> genders, the plural shall include the singular and the singular <br /> shall include the plural. <br /> 4 . 11 Absence of Guarantv. The Employer, Board of Directors <br /> or officers do not in any way guarantee any payment to any <br /> person. <br /> 4. 12 Action by Employer. Any action by an Employer shall be <br /> by resolution of its Board of Directors. <br /> 4 . 13 Controlling Laws. Except where preempted by federal <br /> law, the laws of Illinois shall be controlling in all matters <br /> relating to the Plan. <br /> 4 . 14 Interest Not Transferable. No benefits under the Plan <br /> shall be subject in any manner to anticipation, alienation, sale, <br /> transfer, assignment, pledge, encumbrance or charge prior to <br /> actual receipt thereof by the payee and any attempt so to <br /> anticipate, alienate, sell, transfer, assign, pledge, encumber or <br /> charge prior to receipt shall be void. <br /> ARTICLE V <br /> AMENDMENT OR TERMINATION <br /> 5.01 Amendment. While the Employer expects to continue the <br /> Plan, the Employer, solely and without the consent of any <br /> participant, Affiliate or Plan Administrator must necessarily <br /> reserve and reserves the right to amend the Plan from time to <br /> time, except that any amount that has become payable under the <br /> Plan to any person prior to the date on which such amendment is <br /> adopted shall be paid by the Employer in accordance with the <br /> terms of the Plan as in effect prior to that date. <br /> FSA-21-192 <br /> -7- <br />