Exhibit 10.20

FOURTH AMENDMENT

TO

TRUST AGREEMENT NO. 5

WHEREAS, Cleveland-Cliffs Inc (“Cleveland-Cliffs”) and AmeriTrust Company National Association entered into Trust Agreement No. 5, formerly known as Trust Agreement, (the “Agreement”) effective October 28, betfred reviews1987, which Agreement was amended on three previous occasions;

WHEREAS, Society National Bank (the “Trustee”) is the successor in interest to AmeriTrust Company National Association; and

WHEREAS, Cleveland-Cliffs and the Trustee desire to amend the Agreement;

NOW, THEREFORE, effective November 1, 1994, Cleveland-Cliffs and the Trustee hereby amend the Agreement to provide as follows:

1. The first recital on page one of the Agreement is amended to provide as follows:

“WHEREAS, certain benefits are or may become payable under the provisions of certain Deferred Compensation Agreements (“Agreements”betfred games) between Cleveland-Cliffs, or between The Cleveland-Cliffs Iron Company and assumed by Cleveland-Cliffs, effective July 1, 1995, and certain executives (“Executives”), to the persons listed from time to time on Exhibit A hereto (as provided in Section 9(c) betfred sportsbookhereof) or to the beneficiaries of such persons (Executives and Executives’ beneficiaries are referred to herein as “trust beneficiaries”), as the case may be;”

2. Exhibit A to the Agreement, which Exhibit A is attached hereto and made a part hereof, is amended to betfred reviewsprovide as hereinafter set forth.

*            *             *

IN WITNESS WHEREOF, Cleveland-Cliffs and the Trustee have executed this Fourth Amendment at Cleveland, Ohio, this [ILLEGIBLE] day of November, 1994.