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**Exhibit      10-ii**

**Michael      J. LaVelle - Terms and Conditions of **

**Retirement      and Consulting Agreement**

| ·   | On              December 31, 2005, Mr. LaVelle will receive a lump sum distribution              of              approximately $1.4 million from the Company’s Special Executive Retirement              Plan (the “Plan”) as specified by the terms and conditions of the              Plan. |
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| ·   | Mr.              LaVelle will continue to serve as Chairman of the Board and receive              compensation for such services as set by the Compensation Committee              from              time to time. |
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| ·   | Mr.              LaVelle will provide services as an employee-consultant concerning              management transition until June 30, 2006 for a minimum average of              twenty              (20) hours per week at a monthly gross salary of              $16,675. |
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| ·   | Mr.              LaVelle will maintain medical and dental insurance coverage for himself              and his spouse in accordance with the Company’s Supplemental Medicare              Coverage Plan and Supplemental Dental Coverage              Plan. |
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| ·   | Prior              to termination of employment, the Company will study and arrange for              2004              restricted stock award to continue to vest as scheduled through 2007              and              for continuation of currently held stock options in $3-$5 strike price              range while a member of the Board or until such options              expire. |
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| ·   | Mr.              LaVelle will continue to have use of company office space and a company              car during his tenure as Chairman. |
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