COLUMBIA BANCORP
RESTATED EMPLOYEE STOCK OWNERSHIP PLAN
AND TRUST AGREEMENT
(1999 RESTATEMENT)
(C) 1999 BENNER & ASSOCIATES, P.C. ALL RIGHTS RESERVED
COLUMBIA BANCORP
RESTATED EMPLOYEE STOCK OWNERSHIP PLAN
AND TRUST AGREEMENT
INDEX
Section 1
NATURE OF PLAN
i
1.1 Purpose of Plan
1.2 Design of Plan
1.3 Treatment of Related Employers
1.4 Named Fiduciaries
1.5 Allocation of Responsibilities
1.6 Funding Policy
Section 2
DEFINITIONS
2.1 Act
2.2 Account
2.3 Administrator
2.4 Affiliate
2.5 Anniversary Date
2.6 Annual Compensation
2.7 Beneficiary
2.8 Benefit Commencement Date
2.9 Break in Service
2.10 The Code
2.11 Company
2.12 Company Stock
2.13 Company Stock Account
2.14 Disability
2.15 ERISA
2.16 Employee
2.17 Employer
2.18 Employment Commencement Date
2.19 Exempt Loan
2.20 Forfeiture
2.21 Hour of Service
2.22 Normal Retirement Date
2.23 Other Investments Account
2.24 The Plan
2.25 Plan Benefit
2.26 Plan Year
2.27 Related Employer(s)
2.28 Trustee
COLUMBIA BANCORP
RESTATED EMPLOYEE STOCK OWNERSHIP PLAN
AND TRUST AGREEMENT
INDEX
Section 1
NATURE OF PLAN
i
1.1 Purpose of Plan
1.2 Design of Plan
1.3 Treatment of Related Employers
1.4 Named Fiduciaries
1.5 Allocation of Responsibilities
1.6 Funding Policy
Section 2
DEFINITIONS
2.1 Act
2.2 Account
2.3 Administrator
2.4 Affiliate
2.5 Anniversary Date
2.6 Annual Compensation
2.7 Beneficiary
2.8 Benefit Commencement Date
2.9 Break in Service
2.10 The Code
2.11 Company
2.12 Company Stock
2.13 Company Stock Account
2.14 Disability
2.15 ERISA
2.16 Employee
2.17 Employer
2.18 Employment Commencement Date
2.19 Exempt Loan
2.20