UKRAINIAN NATIONAL ASSOCIATION, INC., ADDENDUM TO AGREEMENT OF MERGER (03/08/98)

Proposed Agreement of merger between the UNA and the UNAAA

UKRAINIAN NATIONAL ASSOCIATION, INC.

ADDENDUM TO AGREEMENT OF MERGER

between

the Ukrainian National Association

and the Ukrainian National Aid Association of America.

EXHIBlT 4.6

There are no undisclosed liabilities.

EXHIBIT 4.7

There are no material adverse changes in the condition of Ukrainian National Assoclation.

EXHlBlT 4.9

(C) Ukrainian National Association received no notices or letters, citations, orders, warnings, complaints, inquiry, claim or demands in regard to violation of any environmental, health or safety statute, law, rule, regulation, ordinance judgement or order.

EXHIBIT 4.10

Ukrainian National Association is covered under a Package Policy issued by the Royal Insurance Company and The Travelers for Real and Business Personal Property, Business Income & Accounts Receivable in the sum of $5,715,000; for loss of Rents, Commercial General Liability Coverage in the sum of $1,000,000 in general aggregate limit and for Commercial Crime Coverage. UNA carries Commercial Automobile Coverage. Our Umbrella Liability Policy covers UNA in the surn of $5,000,000 for each occurrence and the like amount in general aggregate. UNA employees are covered by a Workers Compensation Policy. UNA carries an Officers and Directors insurance policy issued by Federal Insurance Company covering each loss up to the sum of $1,000,000.

EXHIBIT 4.11-A

1) Ukrainian National Association is the sponsor of a defined benefit Pension Plan for its employees administered by the Prudential Insurance Company of America. The Plan is fully funded by UNA. The plan's current liability funded percentage is 106.7% as of 1/1/96.

2) Ukrainian National Association established a self-funded medical benefit plan for its employees with a stop-loss insurance coverage. Eastern Benefit Systems, Inc. is the plan administrator and claim manager.

3) Employees of Ukrainian National Association are covered by a group life insurance policy wilh Security Mutual Insurance Company.