EXHIBIT 10(l)
                       Schedule A to Employment Agreement

POLICIES AND PROCEDURES            PAGE 1 OF 4                         NO. RS-01
DATE:         14 November, 2000 Revised
SUBJECT:      CORPORATE SENIOR OFFICER BENEFITS





In addition to all of the fringe benefits provided to salaried employees,
Corporate Senior Officers will have the following additional benefits:

1.       Insurance premiums will be paid in full for all individual and family
         health, life, disability and dental insurance coverage.

2.       Supplemental health insurance benefits for the officer and his
         dependents up to 5% of the total current base salary and the previous
         year's incentive bonus.

3.       Remote access to the WATS lines for personal use.

4.       Officers receive the following memberships:

         Ronald M. Moquist, President and CEO - 100% Social Membership,
         Minnehaha Country Club.

         Thomas Iacarella, V.P. - Finance - 100% Social Membership, Minnehaha
         Country Club.

         Gary L. Conradi, V.P. - Administration - 100% Social Membership,
         Westward Ho Country Club and 50% of the difference between the Social
         and Executive Golf membership.

5.       100% reimbursement of membership in the S.D. Symphony and the Sioux
         Falls Community Playhouse.

6.       Inclusion in the Group Life Insurance and A.D. & D. policy at $50,000
         of benefits.

7.       Outside of the group, individual term policies for each officer will be
         provided according to the following schedule:

         RMM               President and CEO                  500,000
         TI                Vice President - Treasurer         300,000
         GLC               Vice President - Administration    300,000

         The above policies are funded by the company for the period of time
         employed by the company. The officer will have the option to convert or
         continue at his expense upon termination or retirement.



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                                  EXHIBIT 10(l)
                       Schedule A to Employment Agreement

POLICIES AND PROCEDURES            PAGE 2 OF 4                         NO. RS-01
DATE:         14 November, 2000 Revised
SUBJECT:      CORPORATE SENIOR OFFICER BENEFITS



8.       In addition, a second-to-die life policy will be provided to each
         officer in the amounts listed above. Premiums on this policy will be
         paid by the company until the policy is fully funded (the point where
         dividends of the policy are sufficient to pay the entire premium)
         provided that the officer is employed until "normal retirement" age or
         qualifies for "early retirement" in accordance with Raven policies and
         procedures.

         Upon the officer's retirement at the normal retirement age or if
         qualifying for early retirement in accordance with Raven Policies and
         Procedures the second-to-die life policy will be paid up by Raven at
         the time of the officer's retirement. The premium benefit for the paid
         up policy will be grossed up at the end of the calendar year.

         If the officer terminates his employment before qualifying for either
         normal or early retirement he will have the option to continue the
         policy by paying the premiums or he may exercise one of the conversion
         features available in the policy.

9.       Long-term care insurance will be provided to the officer and officer's
         spouse.

10.      Full pay for sick leave up to a point where disability insurance
         coverage begins. Disability insurance is 60% of base salary
         non-integrated with Social Security. Provisions of the actual policy
         will govern the exact amount of payments.

11.      Two additional weeks of paid vacation to the regular established
         vacation policy.

12.      Reimbursement under a formula of up to 2% of total annual compensation
         (base salary and previous year's incentive bonus) with up to a
         three-year accumulation of benefit dollars available for personal
         estate planning and personal income tax preparation fees.

13.      Physical examinations provided by the company will be given on a
         biennial basis to age 60 on individuals who are asymptomatic, annually
         if symptomatic. Above age 60 examinations will be annually.

14.      Officers annual base salary will be grossed up at the end of the
         calendar year to compensate for the additional tax burden created by
         the treatment of the officers benefits as additional income.


<PAGE>


                                  EXHIBIT 10(l)
                       Schedule A to Employment Agreement

POLICIES AND PROCEDURES            PAGE 3 OF 4                         NO. RS-01
DATE:         14 November, 2000 Revised
SUBJECT:      CORPORATE SENIOR OFFICER BENEFITS



15.      Officer Retirement & Benefits

         Full retirement benefits will be available to any officer who retires
         between the ages of 65 and 70, or who chooses early retirement. Early
         retirement is defined as the first day of any month after the officer's
         years of service, plus his attained age equals or exceeds the sum of
         80, or any date between then and age 65.

         Those benefits are:

         (A)      Continued group hospital, medical, and dental coverage for the
                  officer, spouse and eligible dependents until the officer
                  attains the age at which he is eligible for Medicare
                  (presently age 65 or disabled).

         (B)      Upon Medicare eligibility, the officer and spouse will be
                  provided supplemental hospital and medical coverage to
                  Medicare which would result in the same coverage that is
                  provided to full-time active officers of the company. This
                  coverage, as well as group dental coverage, will continue for
                  the rest of the officer's and spouse's life.

                  The spouse's coverage will be discontinued in the event an
                  officer's spouse remarries after the death of an officer.
                  However, the spouse would then be provided the option of
                  continued coverage by paying the Raven group premium for such
                  coverage.

         (C)      At retirement, group life insurance coverage will continue to
                  be provided at the amount in effect at retirement ($100,000
                  maximum - excludes A D & D). At age 65 this amount would be
                  reduced to 67% or $67,000, and then reduced to 67% or $45,000
                  at age 70. Life insurance coverage will continue for the rest
                  of the officer's life. This reduction provision applies only
                  to the retired officers, Kaliszewski and Winker.

                  The life insurance coverage may be provided through a term
                  policy outside of the Raven group plan.


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                                  EXHIBIT 10(l)
                       Schedule A to Employment Agreement

POLICIES AND PROCEDURES            PAGE 4 OF 4                         NO. RS-01
DATE:         14 November, 2000 Revised
SUBJECT:      CORPORATE SENIOR OFFICER BENEFITS


         (D)      Upon retirement, supplemental health insurance benefits for
                  the officer and his dependents will be provided annually for
                  the rest of the officer's and spouse's lives at an amount of
                  up to 10% of the officer's highest total annual compensation
                  during any one of the officer's last 5 years of employment
                  with the company.

         (E)      Upon retirement, personal estate planning benefits and
                  personal income tax preparation fees will be available in an
                  amount up to 2% of the officer's highest total annual
                  compensation during any one of the officer's last 5 years of
                  employment with the company with up to a three year
                  accumulation of benefit dollars available for personal estate
                  and personal income tax preparation fees planning. The estate
                  plan may be upgraded when conditions warrant, but with prior
                  approval of the C.E.O.

         (F)      Long-term care insurance will continue for the rest of the
                  officer's and spouse's life. The spouse's coverage will be
                  discontinued in the event an officer's spouse remarries after
                  the death of an officer.