UKRAINIAN FRATERNAL ASSOCIATION, ADDENDUM TO AGREEMENT OF MERGER (03/15/98)

Proposed Agreement of merger between the UNA and the UFA

UKRAINIAN FRATERNAL ASSOCIATION

ADDENDUM TO AGREEMENT OF MERGER

between

Ukrainian Fraternal Association

and Ukrainian National Association

EXHIBIT 4.6

There are no undisclosed liabilities.

EXHIBIT 4.7

There are no material adverse changes in the condition of Ukrainian Fraternal Association.

EXHIBIT 4.9

(C) Ukrainian Fraternal 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 Fraternal Association is covered under a Package Policy issued by United States Fidelity and Guarantee (USE&G) for commercial property in the sum of $309,338, for contents in the sum of $80,427 and for general liability coverage in the amount of $500,000. UFA carries Commercial Automobile Coverage with Liability coverage in the sum of $300,000. UFA carries Commercial General Liability on the UFA Resort Center, "Verkhovyna," Glen Spey, NY, issued by Callicoon Co-operative Insurance Co., in the sum of $875,000 on the buildings, and the sum of $50,000 on the contents with basic fire $1,000,000 per occurrence and $2,000,000 aggregate. UFA employees are covered by a workers compensation policy. UFA carries a Blanket Position Bond in the amount of $10,000 per each individual.

EXHIBIT 4.11-A

1) Ukrainian Fraternal Association sponsored a defined benefit Pension Plan for its employees administered by Lincoln National Life Insurance Company until June 1997. UFA is in the process of abolishing the plan due to few participants in the plan.

2) Ukrainian Fraternal Association provides medical coverage through Blue Cross of Northeastern Pennsylvania for employees.

3) Employees of Ukrainian Fraternal Association are covered by a group life insurance policy with Metropolitan Life Insurance Co.

EXHIBIT 4.13

Ukrainian Fraternal Association hereby certifies that at the present, there are two lawsuits pending against it:

(A) Stephan P. Jarmak, through his attorney William M. Borrill, v. Ukrainian Fraternal Association. An accident regarding a beer bottle exploding and a piece of glass struck client during the festival at UFA Resort Center "Verkhovyna" on July 19, 1997.

(B) Irene Polywko, a fall at UFA Resort Center "Verkhovyna" on July 6, 1991, by Mitchell & Incantalupo, Law Offices.