CROWE, CHIZEK AND COMPANY VOLUME SUBMITTER PLAN AND TRUST AGREEMENT SALARY REDUCTION 401(k) PROFIT SHARING RETIREMENT PLAN [CROW CHIZEK LOGO] 2 TABLE OF CONTENTS ARTICLE I BASIC DEFINITIONS 1.01 ACCRUED BENEFIT 1.02 AFFILIATED BUSINESS 1.03 ADOPTION...Plan and Trust Agreement • October 29th, 1996 • St Joseph Capital Corp • State commercial banks
