UKRAINIAN NATIONAL ASSOCIATION, INC., ADDENDUM TO AGREEMENT OF MERGER (03/15/98)

Proposed Agreement of merger between the UNA and the UFA

UKRAINIAN NATIONAL ASSOCIATION, INC.

ADDENDUM TO AGREEMENT OF MERGER

between

the Ukrainian National Association

and the Ukrainian Fraternal Association, Inc.

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.

EXHIBIT 4.13

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

(A) Amaro v. Ukrainian National Association, Index No. 95/2391 in the Supreme Court of the State of New York, County of Ulster. The case is a slip and fall case based on an allegedly dangerous or defective condition at the Ukrainian National Association's resort in Ulster County, SOYUZIVKA. The matter is pending trial and is being defended by the Ukrainian National Association's carrier.

(B) The second matter is known as Rigalski v. Snylyk and Ukrainian National Association, Docket No. EJ 06WB-40583E and is a sexual harassment case presently before State of New Jersey, Division of Civil Rights. The Ukrainian National Association has prevailed before the Division of Civil Rights but, the plaintiff, as of May 30, 1997, filed for reconsideration. The reconsideration motion is still pending. The Ukrainian National Association is being defended by private counsel.

There are no other known cases of pending litigation against the Ukrainian National Association.