GROUP INSURANCE PRECAUTIONARY PLAN

                                                        Exhibit 10.9
                                      
                                        (Translated from Dutch into English)

                                        GROUP INSURANCE PRECAUTIONARY PLAN

                                                Special stipulations



                                                        registered to




                                                CYTEC SURFACE SPECIALTIES NV









        Precautionary plan no. 07.3705
        Drawn up on: 08.08.2005






















                                 AXA Belgium, NV
authorized for insurance business under no. 0039 (KB 04-07-1979, BS 14-07-1979)
              Company headquarters Vorsttaan 25 - B-1170 Brussels o
                      Phone: 02/678 61 11 Fax: 02/678 93 40
           Internet: www.axa.beo BTW BE 404 483 367 - HRB no. 356 389


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                                                                GROUP INSURANCE
                                                             
                                                             PRECAUTIONARY PLAN






NAME OF THE FIRM


CYTEC SURFACE SPECIALTIES NV

Anderlechtstraat 133
1620 DROGENBOS




PRECAUTIONARY PLAN NO.

07.3705


INITIATION DATE


March 1, 2005


AGENCY

This precautionary plan replaces the plan in effect on December 31, 2004 for the
members of the Executive Committee of NV SURFACE SPECIALTIES (07.3571).

Failing any written notice to the contrary from the subscriber, the previously
existing clauses that modify any benefit allotment also apply to the employer
contribution contract in this plan.

Any contracts ensuing from this plan shall serve, if necessary, as a guarantee
of possible policy advances allotted by the company on the previously existing
contracts.


SUBSCRIBER CATEGORY

Members of the Executive Committee of CYTEC SURFACE SPECIALTIES NV.

EXECUTIVE COMMITTEE refers to the committee that directs the Group and sees to
proper functioning of the current management. It consists of the CEO and the
General Directors.

CEO refers to each person appointed as delegated administrator.










AXA-BB                                                                      2/15

                                 AXA Belgium, NV
authorized for insurance business under no. 0039 (KB 04-07-1979, BS 14-07-1979)
              Company headquarters Vorsttaan 25 - B-1170 Brussels o
                      Phone: 02/678 61 11 Fax: 02/678 93 40
           Internet: www.axa.beo BTW BE 404 483 367 - HRB no. 356 389

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                                                                GROUP INSURANCE

                                                             PRECAUTIONARY PLAN





SUBSCRIPTION CONDITIONS

Whatever the conditions stipulated below may be, they cannot have the result of
postponing subscription until after the person to be insured reaches the age of
25.

-    subscribers must be employed by the company at the time this plan takes
     effect or later, on the basis of an employment agreement signed for a
     definite or indefinite duration and must hold a mandate as a member of the
     Executive Committee in the company.

Subscription goes into effect starting on the first day of the month following
the one in which the subscription conditions are met and not before this
precautionary plan is initiated.












AXA-BB                                                                      3/15

                                 AXA Belgium, NV
authorized for insurance business under no. 0039 (KB 04-07-1979, BS 14-07-1979)
              Company headquarters Vorsttaan 25 - B-1170 Brussels o
                      Phone: 02/678 61 11 Fax: 02/678 93 40
           Internet: www.axa.beo BTW BE 404 483 367 - HRB no. 356 389

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                                                                GROUP INSURANCE

                                                             PRECAUTIONARY PLAN



                                                                          



DESCRIPTION OF THE PLAN
-----------------------


1 - PREMIUMS
--------------------------------------------------------------------------------


1.1. DESCRIPTION OF THE PREMIUMS

-    THE ANNUAL EMPLOYER CONTRIBUTION TO THE PENSION to be paid by the company
     is x % x PAS x coefficient

     in which

     THE PENSIONABLE ANNUAL SALARY (PAS) refers to:


FOR THE EMPLOYEES:
------------------

-    if a subscriber performs effectively for 12 months during the year that
     serves as the calculation base: PAS refers to the subscriber's gross basic
     monthly salary in the month of December of the year preceding the year of
     payment of the employer contribution, calculated on the basis of full-time
     employment and with exclusion of any variable salary, bonuses, fixed
     compensation or any other supplementary advantage, multiplied by 12, plus
     the amount of the thirteenth month paid in December of the relevant year
     that serves as the calculation base and of the double vacation bonus paid
     during that same year; plus all administrator premiums received during the
     same year that serves as the calculation base for a mandate in a company of
     the Group;

-    if a subscriber does not perform effectively for 12 months during the year
     that serves as the calculation base (e.g. in case of leaving the company)
     PAS refers to: the base salary of the most recent complete month of
     subscription and performed during the year that serves as calculation base
     calculated on the basis of full-time employment and with exclusion of any
     variable salary, bonuses, fixed compensation or any other supplementary
     advantage, multiplied by the number of months performed effectively, plus
     the amount of the thirteenth month paid, if the occasion arises prorated
     during the relevant year that serves as the calculation base and of the
     amount paid as double vacation bonus during that same year; plus all
     administrator premiums received for a mandate in a company of the Group
     with offices abroad;

-    if subscription to this plan commences during the course of a year, the
     first employer contribution shall be deposited in March of the next year
     and shall be calculated on the basis of the calculated pensionable annual
     salary as stipulated above, with the understanding that only the salaries
     paid for the position held as subscriber are taken into consideration
     (meaning from the time of subscription to the plan). The result of this is
     that the salary of the most recent complete month of the subscription and
     performed during the year that serves as the calculation base shall be
     taken into consideration and multiplied by the number of months in
     employment during the year that serves as calculation base;

-    in case of early retirement or starting at a time the subscriber no longer
     meets the subscription conditions during the course of the year, the
     pensionable annual salary that is taken into consideration shall be
     calculated in proportion to the actual performance delivered;

-    moreover, the reference salary, under any assumption, shall be adopted if
     the occasion arises



AXA-BB                                                                      4/15

                                 AXA Belgium, NV
authorized for insurance business under no. 0039 (KB 04-07-1979, BS 14-07-1979)
              Company headquarters Vorsttaan 25 - B-1170 Brussels o
                      Phone: 02/678 61 11 Fax: 02/678 93 40
           Internet: www.axa.beo BTW BE 404 483 367 - HRB no. 356 389

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                                                                GROUP INSURANCE

                                                             PRECAUTIONARY PLAN


     for those subscribers who work part-time during the year that serves as
     calculation base, depending on the part-time factor in effect in the year
     that serves as calculation base. The part-time factor is equal to the
     fraction, with the nominator representing the actually performed employment
     system (meaning x % of full-time employment) and the denominator
     representing the full-time employment system.


FOR INDEPENDENT EMPLOYEES:
--------------------------

-    PAS means the subscriber's gross monthly salary as decided by the company's
     representative in the framework of the mandate practiced or, if the
     occasion arises, decided in the service provision agreement signed with the
     company and in effect in December of the year preceding the year of payment
     of the employer contribution deposited by the company, with the exclusion
     of every variable salary, bonuses, fixed compensation or any other
     supplementary advantage, multiplied by 12, plus all administrator premiums
     received during the year that serves as calculation base for a mandate in a
     Group company. If the salary of the subscriber-independent employee is
     established and/or expressed on an annual basis, this annual amount is
     divided by 12 to obtain the amount of the gross monthly salary for the
     month of December;

-    If subscription to this plan commences during the course of a year, the
     first employer contribution shall be deposited in March of the next year
     and shall be calculated on the basis of the calculated pensionable annual
     salary as stipulated above, with the understanding that only the salaries
     paid for the position held as subscriber are taken into consideration
     (meaning from the time of subscription to the plan). The result of this is
     that the salary of the most recent complete month of the subscription and
     performed during the year that serves as the calculation base shall be
     taken into consideration and multiplied by the number of months of
     effective performance during the year that serves as calculation base;

-    in case of leaving the company or starting at the time the subscriber no
     longer meets the subscription conditions during the course of the year, the
     pensionable annual salary that is taken into consideration shall be
     calculated in proportion to the actual performance delivered.


FOR THE INSURED PARTIES AND FOREIGN EMPLOYEES:
----------------------------------------------

-    who work simultaneously in the territory of different nations and who
     are/remain subscribers to the code, the pensionable annual salary during
     the period of their multiple employment is equal to the pensionable annual
     salary to be paid by the company as stipulated above; plus any other basic
     salary (gross base salary actually received for employment as employee
     and/or independent party in one or more Group companies), with the
     exclusion of all variable salaries, bonuses, fixed compensation,
     compensation typical for the employer or all other supplementary
     advantages.






AXA-BB                                                                      5/15

                                 AXA Belgium, NV
authorized for insurance business under no. 0039 (KB 04-07-1979, BS 14-07-1979)
              Company headquarters Vorsttaan 25 - B-1170 Brussels o
                      Phone: 02/678 61 11 Fax: 02/678 93 40
           Internet: www.axa.beo BTW BE 404 483 367 - HRB no. 356 389

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                                                                GROUP INSURANCE
                                                            
                                                             PRECAUTIONARY PLAN



     Moreover, the stipulations that apply to part-time working subscribers
     shall apply in the framework of this article.

     in which

     CONTRACT means:
              
     FOR EMPLOYEES: the employment agreement

     FOR INDEPENDENT EMPLOYEES: the service provision agreement signed with the
     company

     The "X" percentage and the coefficient are stipulated in the supplements to
     this precautionary plan.

     This premium reinforces the employer contribution contract "F".

-    LIMIT OF THE ANNUAL PENSION PREMIUM
     -----------------------------------

     The annual employer contribution to the pension may not insure "pension"
     payments in any case that exceeds the one stipulated in article 16 of the
     general stipulations entitled "Limit of the "pension benefits": fiscal
     rule".

     In case this limit is exceeded, the employer contribution shall be limited.

-    THE ANNUAL EMPLOYER CONTRIBUTION TO THE CAPITAL PAID OUT UPON DECEASE to be
     paid by the company is the total annual premium required to insure this
     capital, defined in point 2.3.
       

     This premium reinforces the employer contribution contract "M".



1.2. PAYMENT AND CALCULATION OF THE PREMIUMS

The annual premiums of the year N stipulated above are deposited by the company
during the first eight days of the month of March in year N + 1; they are
augmented by all current or future taxes on the insurance premiums.














AXA-BB                                                                      6/15

                                 AXA Belgium, NV
authorized for insurance business under no. 0039 (KB 04-07-1979, BS 14-07-1979)
              Company headquarters Vorsttaan 25 - B-1170 Brussels o
                      Phone: 02/678 61 11 Fax: 02/678 93 40
           Internet: www.axa.beo BTW BE 404 483 367 - HRB no. 356 389

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                                                                GROUP INSURANCE
                                                            
                                                             PRECAUTIONARY PLAN
                                                                               



In case the extent of the subscriber's employment changes, the company shall
immediately notify the insurance company of this fact and inform it of the new
premiums that must be taken into consideration starting the first day of the
month in which the modification took place.

1.3. UPDATING DATE

On March 1 of every year.


2 - INSURANCE CONTRACTS AND SUBSCRIBER BENEFITS
-----------------------------------------------

2.1. INSURANCE COMBINATION

-    Contract "F" is issued in the insurance combination "Deferred capital with
     repayment of the savings balance" (UKMS) which provides the payment of a
     capital if the subscriber is alive on the expiration date or a capital
     equal to the theoretical surrender value in case of decease before that
     expiration date.

-    Since the contract is reinforced according to the method of successive
     purchase prices, the guarantees will evolve in function of the amount of
     the premiums deposited and of the rates in effect at the time of their
     maturity date.

-    On January 1, 2005, the rate applied to contract "F" includes a technical
     interest rate of 3.25%. Every possible modification of the rate shall be
     activated in a supplement to the current special stipulations.


-    The "M" contract is issued in the insurance combination "Temporary
     insurance with a duration of 1 year", which provides payment of a capital
     in case of the subscriber's decease if this took place during the duration
     of the contract.

     If the subscriber is alive at the expiration date of the contract, this
     contract is terminated and all premiums deposited shall remain the property
     of the insurance company as the price of the risk it has covered.


2.2. EXPIRATION OF CONTRACTS
 
Expiration of the "F" contract is set down as the time the subscriber turns 65.

The "M" contract is annually renewable until the subscriber turns 65.

2.3. DESCRIPTION OF THE CAPITAL TO BE PAID UPON DECEASE

The capital to be paid upon decease insured by the "M" contract is:

1 x PAS

in which PAS is the pensionable annual salary as stipulated in point 1.1.







AXA-BB                                                                      7/15

                                 AXA Belgium, NV
authorized for insurance business under no. 0039 (KB 04-07-1979, BS 14-07-1979)
              Company headquarters Vorsttaan 25 - B-1170 Brussels o
                      Phone: 02/678 61 11 Fax: 02/678 93 40
           Internet: www.axa.beo BTW BE 404 483 367 - HRB no. 356 389

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                                                                GROUP INSURANCE
                                                            
                                                             PRECAUTIONARY PLAN


The above-stipulated capital to be paid upon decease is reduced by the capital
to be paid upon decease insured by the "F" contract and the profit sharing
payable upon decease. The capital to be paid upon decease thus determined forms
the capital insured by the "M" contract.

2.4. ANNUAL UPDATING OF THE LIFE INSURANCE

The coverage "upon decease" and the corresponding premiums are calculated once
per year by the insurance company on the updating date set down in point 1.3.,
on the basis of the modifications that were made in the subscriber's salary.

For this purpose, the company shall give the insurance company the necessary
informatio