Document:

Schedule to Form of Indemnification Agreement

 Exhibit 10.25 
  
 Schedule to Form of Indemnification Agreement between 
 Ryerson Tull, Inc. and the following parties: 
  
 Jameson A. Baxter 
 Richard G. Cline 
 Gary L. Crittenden 
 James A. Henderson

 Gregory P. Josefowicz 
 Jerry K.
Pearlman 
 Neil S. Novich 
 Ronald
L. Thompson 
  
 Jay M. Gratz 
 Gary J. Niederpruem 
 James M. Delaney

 Thomas S. CyganWAIVER DATED JULY 30, 2003

 Exhibit 10.1 
  
  
 July 30, 2003 
  
 Geerlings & Wade, Inc. 
 960 Turnpike Street 
 Canton, MA 02021 
  
 Gentlemen:

  
 Reference is made to that certain Credit Agreement dated as of
February 24, 2003 among Geerlings & Wade, Inc. (the “Company”) and John M. Connors, Jr., James C. Curvey, John J. Remondi, Gordon Romer and Robert L. Webb as Lenders (as amended, restated, supplemented and otherwise modified from time
to time, the “Credit Agreement”). Capitalized terms used herein but without definition shall have the meanings ascribed to such terms in the Credit Agreement. 
  
 The Company has advised the Lenders that an Event of Default is in existence under Section 8.1.2 of the Credit Agreement as
a result of the Company’s breach of each of the Current Ratio covenant contained in Section 6.6 of the Credit Agreement, the Quick Ratio covenant contained in Section 6.7 of the Credit Agreement and the EBIT covenant contained in Section 6.8 of
the Credit Agreement for the month of June 2003 (the “Existing Event of Default”). 
  
 The Company has requested that (i) the Lenders waive the Existing Event of Default and (ii) the Lenders waive the requirement that the Company comply with the Current Ratio covenant contained in Section 6.6 of the
Credit Agreement, the Quick Ratio covenant contained in Section 6.7 of the Credit Agreement and the EBIT covenant contained in Section 6.8 of the Credit Agreement for each of the months of July, August, and September 2003. 
  
 The undersigned Lenders hereby (i) waive the Existing Event of Default caused
by the Company’s failure to comply with Sections 6.6, 6.7 and 6.8 of the Credit Agreement for the month of June 2003 and (ii) waive the requirement that the Company comply with Sections 6.6, 6.7 and 6.8 of the Credit Agreement for each of the
months of July, August, and September 2003. 
  

 Except to the extent specifically described herein, this letter shall not constitute a waiver by the
Lenders of any provisions of the Credit Agreement or any of the other Credit Documents, and the waivers contained herein shall not be construed as a waiver of any right or remedy on any future occasion. 
  
 Sincerely, 
  
  
 /s/ John M. Connors, Jr. 
 John M. Connors, Jr. 
  
  
 /s/ James C. Curvey 
 James C. Curvey 
  
  
 /s/ John J. Remondi 
 John J. Remondi 
  
  
 /s/ Gordon Romer 
 Gordon Romer 
  
  
 /s/ Robert L. Webb 
 Robert L. Webb 
  
 Acknowledged and Agreed: 
  
  
 GEERLINGS & WADE, INC. 
  
  
 By:  /s/ Huib E. Geerlings 
 Name: Huib E.
Geerlings 
 Title: Chief Executive Officer 
  

 2Form of Employment Agreement applicable to Ricahrd E. Connors, Steven G. Orluck,

 Exhibit 10.1 
 EMPLOYMENT AGREEMENT 
  
 AGREEMENT between MONY LIFE INSURANCE COMPANY, a company organized under the laws of the State of New York (the “Company”), and              (the
“Executive”), dated as of             , 200     (the “Agreement Date”). 
  
 The Company and the Executive agree as follows: 
  

	 	1.	 	OPERATION AND TERM OF AGREEMENT 

  
 This Agreement shall be effective as of the Agreement Date and shall continue until the Expiration Date. The Expiration Date shall initially be December
31, 200_, but commencing on that date, and each December 31 thereafter, the Expiration Date shall automatically be extended by one additional year unless, not later than September 30, the Company gives notice to the Executive that it will not extend
the Expiration Date. 
  

	 	2.	 	CERTAIN DEFINITIONS 

  

	 	(A)	 	Period of Employment. Commences on the Agreement Date and ends on the Expiration Date or the Termination Date, whichever is earlier. 

  

	 	(B)	 	Contract Term. Commences on the Agreement Date and ends on the Expiration Date. 

  

	 	(C)	 	Termination Date. The date which the Executive’s employment with the Company ceases. 

  

	 	3.	 	EXECUTIVE’S RESPONSIBILITIES 

  

	 	(A)	 	Position, Duties, Responsibilities. The Executive shall serve in the position of             , and
shall discharge those duties assigned to him from time to time by [the Company’s President]. 

  

	 	(B)	 	Best Efforts. The Executive shall devote his full time, best efforts, and undivided attention to the Company’s affairs, except for reasonable vacations or illness
or incapacity. Performance objectives have been established by the Chief Executive Officer for the Company. The Executive agrees to work diligently to help the Company achieve such performance objectives. The Executive shall perform his duties with
that degree of care and skill expected of executives of similar rank at companies of comparable size and complexity. 

	 	4.	 	RESTRICTIVE COVENANTS 

  

	 	(A)	 	Non-competition. During the Period of Employment and for the six-month period immediately following, the Executive shall not, directly or indirectly, in any capacity,
engage in any business which is substantially competitive with any business then actively conducted by the Company, and the Executive shall not consult with or advise any such competitive business or otherwise, directly or indirectly, engage in any
activity which is substantially competitive with or in any way adversely affects any activity of the Company. 

  

	 	(B)	 	Nondisclosure. The Executive shall not make use of, disclose, divulge, or make accessible to any third party any information of a confidential nature about the Company
known to the Executive in the course of his employment until such information has come into the public domain. 

  

	 	(C)	 	Specific Performance and Injunctive Relief. The Executive agrees that the Company will suffer irreparable injury if the provisions of this Section 4 are not honored,
that damages resulting from such injury will be incapable of being precisely measured, and that the Company will not have any adequate remedy at law to redress the harm which such violation shall cause. Accordingly, the Executive agrees that the
Company shall have the rights and remedies of specific performance and injunctive relief, in addition to any other rights or remedies that may be available at law or in equity, in respect of any failure, or threatened failure, on the part of the
Executive to comply with the provisions of this Section 4, including, but not limited to, temporary restraining orders and temporary injunctions to restrain any violation or threatened violation of this Agreement by the Executive.

  

	 	5.	 	COMPENSATION, PERQUISITES AND EMPLOYEE BENEFITS 

  

	 	(A)	 	Base Compensation. The Executive shall receive annual base compensation, at a rate not less than the rate in effect on the Agreement Date, which shall be adjusted
thereafter in accordance with the Company’s regular administrative practices generally applicable to officers of his rank at the Company. 

  

	 	(B)	 	Incentive Compensation. The Executive shall be a participant in the Company’s Annual Incentive Compensation Plan and Long Term Performance Plan (the
“Incentive Plans”), as in effect on the Agreement Date and with such changes or other incentive compensation plans as may from time to time be adopted in accordance with the Company’s practices. The Executive shall be entitled to
participate in other incentive 

  

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compensation plans generally available to officers of his rank at the Company. 

  

	 	(C)	 	Perquisites. During the Period of Employment, the Executive shall be entitled to perquisites and fringe benefits generally available to officers of his rank at the
Company. 

  

	 	(D)	 	Employee Benefits. The Executive shall be entitled to all employee benefit plans and programs in effect for officers of his rank at the Company on the Agreement Date
(“Benefit Plans”), with such changes as may from time to time be made in accordance with the Company’s practices. The Executive shall be entitled to participate in any employee benefit plans and programs generally available to
officers of his rank at the Company. 

  

	 	6.	 	DEATH 

  
 If the Executive should die during the Period of Employment, his employment shall be deemed to have ceased on the last day of the month in which death
shall have occurred. 
  

	 	7.	 	TERMINATION 

  

	 	(A)	 	Cause. The Company shall have the right at any time to terminate the Executive’s employment with the Company. The termination shall be deemed to be for
“Cause” only if such termination shall be the result of: 

  

	 	(i)	 	the conviction of the Executive upon a charge of any crime involving moral turpitude; 

  

	 	(ii)	 	the commission by the Executive of any act of fraud, misrepresentation, or dishonesty; 

  

	 	(iii)	 	a failure by the Executive during the Period of Employment (except by reason of incapacity due to illness or accident) to comply with the provisions of this Agreement relating to
the time and best efforts to be devoted by the Executive to the affairs of the Company, or to materially meet the performance objectives and expectations referred to in Section 3(B) above; 

  

	 	(iv)	 	the Executive’s misconduct or negligence in performing his duties at the Company; or 

  

	 	(v)	 	the Executive’s engaging in activities which place the Executive in direct or indirect conflict with the Company. 

  

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	 	(B)	 	Good Reason. The Executive shall have the right at any time to terminate the Executive’s employment with the Company. The termination shall be deemed to be for
“Good Reason” only if such termination shall be the result of: 

  

	 	(i)	 	a material reduction in the Executive’s annual base compensation in effect on the Agreement Date or as such level may be increased from time to time; or the failure by the
Company to continue the Executive’s participation in the Incentive Plans and Benefit Plans as provided in Section 5; provided that Good Reason shall not include a reduction in annual base compensation or in the benefits under the
Incentive Plans or the Benefit Plans that is the result of (a) a program of reduction that is generally applicable to officers of the Company or to participants in such plans or (b) any discretionary determination permitted under the terms of the
Incentive Plans or the Benefit Plans; or 

  

	 	(ii)	 	a material adverse alteration in the Executive’s position, powers, authority, duties, or responsibilities, or removal, during the Period of Employment, of the Executive from
the office he held as of the Agreement Date. 

  

	 	(C)	 	Termination Procedure; Arbitration 

  

	 	(1)	 	Notice. (a) Notice of termination shall be provided in writing by the Company or the Executive, as applicable, and shall specify the date as of which the
Executive’s employment shall be deemed to have ceased, which date shall in no event be earlier than 60 days or later than 90 days from the date of such notice. 

  
 (b) In the event that the Company elects to terminate the Executive’s employment for cause, the
notice shall also state that the Executive was guilty of conduct set forth in Section 7(A), with the particulars thereof specified in reasonable detail. 
  
 (c) In the event that the Executive elects to terminate his employment for Good Reason, the notice shall also specify the reason
for such termination, as set forth in Section 7(B), with the particulars thereof specified in reasonable detail, and shall be given, except in the case of a continuing breach, within 10 days after the most recent event giving rise to Good Reason.

  

	 	(2)	 	Cure. In the case of the Executive’s allegation of Good Reason, the Company shall be given the opportunity to cure within 30 days 

  

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from its receipt of the notice, or take all reasonable steps to that end during such 30-day period and thereafter. 

  

	 	(3)	 	Arbitration. The Company and the Executive will submit to arbitration in accordance with the rules of the American Arbitration Association before a tribunal located in
New York City, within three months of the time it arises, any controversy, claim or disagreement arising out of or concerning the interpretation, application, or enforcement of this Agreement. 

  
 The decision and award of the arbitrator is intended to be final and
binding between the parties and shall be enforceable in any court of competent jurisdiction. The parties agree that, upon the issuance of an arbitrator’s decision and award, judgment in any court of competent jurisdiction shall be rendered on
the award and entered to as to enforce its provision. 
  

	 	8.	 	CONSEQUENCES OF TERMINATION 

  

	 	(A)	 	Termination by the Company Other Than for Cause or by the Executive for Good Reason. In the event of a termination by the Company of the Executive’s employment or
non-renewal of this Agreement under Section 1, above, in either case other than for Cause, or by the Executive for Good Reason, the Company shall, as liquidated damages, pay to the Executive and provide him, in lieu of all other rights, remedies,
damages and relief to which he might otherwise be entitled, with the benefits described below: 

  

	 	(1)	 	Severance. A lump-sum payment in an amount equal to annual base compensation in effect on the Termination Date. This amount shall be reduced by any severance payments
made to the Executive under any other employment contract or severance agreement with the Company. 

  

	 	(2)	 	Incentive Compensation. The Executive shall receive as additional severance: (a) any incentive compensation earned with respect to the calendar year immediately
preceding the Termination Date but not yet paid; and (b) incentive compensation with respect to the calendar year in which the Termination Date shall occur, in both cases in an amount determined by the Chief Executive Officer (which shall not be
less than 50% of the Executive’s base compensation in each case). 

  

	 	(3)	 	Perquisites. At the discretion of the Chief Executive Officer, the Executive may receive as additional severance the value of the perquisites to which the Executive is
entitled under 5(C) above 

  

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immediately before the Termination Date and such other items (such as personal computers) as the Chief Executive Officer shall determine. The Company shall
provide the reasonable cost of shipping personal files and other personal property of the Executive to the location designated by the Executive. 

  

	 	(4)	 	Split Dollar Policy. The Company shall keep in effect, for the life of the Executive, the split-dollar life insurance policy maintained for the Executive immediately
prior to the Termination Date. The Company and the Executive shall retain their respective obligations to pay premiums in accordance with the terms of the policy. 

  

	 	(5)	 	Automobile. If the Executive has a Company-furnished automobile, the Company shall deliver title to such automobile to the Executive at no additional cost to the
Executive. At the Company’s election, the Company may elect to continue lease payments to the end of the lease term on the automobile before delivering title to the Executive. 

  

	 	(6)	 	Outplacement Services. The Company shall provide outplacement services for up to one year for the Executive with a nationally recognized outplacement firm.

  

	 	(B)	 	Termination by the Company for Cause of by the Executive Other Than for Good Reason. In the event of a termination by the Company of the Executive’s employment
for Cause or by the Executive other than for Good Reason, the Executive shall be entitled only to the compensation and benefits required by law upon termination of employment. 

  
 Time of Payment. All lump-sum payments to be made by the
Company under this Section 8 shall be made within five days after the Termination Date. 
  

	 	9.	 	WITHHOLDING 

  
 All payments shall be subject to the withholding of such amounts, if any, relating to tax, excise tax, and other payroll deductions as the Company may
determine it should withhold. 
  

	 	10.	 	INDEMNIFICATION AND INSURANCE; LEGAL EXPENSES 

  

	 	(A)	 	Indemnification and Insurance. The Company will indemnify the Executive (including payment of expenses in advance of final disposition of the proceeding) to the
fullest extent permitted by the laws of the State of New York and the Charter and By-Laws of the Company; and the Executive shall be entitled to the protection of any insurance policies the 

  

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Company may elect to maintain for the benefit of its directors and officers, against all costs, charges, and expenses whatsoever incurred by him in
connection with any action, suit, or proceeding to which he may be made a party by reason of his being or having been a director, officer or employee of the Company or any of its subsidiaries or affiliates or his serving or having served any other
enterprise as a director, officer or employee at the request of the Company. 

  

	 	(B)	 	Legal Expenses. In the event of any arbitration between the Company and the Executive with respect to the subject matter of this Agreement, the Company shall reimburse
the Executive, should the Executive prevail, for all of his reasonable costs and expenses relating to such arbitration including, without limitation, reasonable attorneys’ fees and expenses. In no event shall the Executive be required to
reimburse the Company for any of the costs or expenses relating to such arbitration. 

  

	 	11.	 	NOTICES 

  
 All notices and other communications shall be in writing and shall be sufficiently given when mailed in the continental United States by registered or
certified mail or personally delivered to the party entitled thereto at the address stated below or to such changed address as the addressee may have given by a similar notice: 
  

	 To the Company:
	 	 To the Executive:

  
 Attention: 

 
 with an additional copy to the Executive at his last-known home address.

  

	 	12.	 	NON-SOLICITATION, NON-HIRE 

  
 For one year following the Termination Date, the Executive will not directly or indirectly solicit or other induce any person employed by the Company (or
affiliated with the Company as a field underwriter) to terminate his employment with the Company, nor will he hire a current Company employee or field underwriter. 
  

	 	13.	 	GENERAL PROVISIONS 

  

	 	(A)	 	Other Existing Rights. Except as specifically set forth in this Agreement, this Agreement shall not supersede any right of the Executive to compensation or benefits
under any other agreement relating to terms of employment or under any other plan, program, or practice of the Company existing as of the Termination Date. Any compensation or benefits 

  

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thereunder shall be paid to the Executive in accordance with the terms thereof without limitation by this Agreement. 

  

	 	(B)	 	Limitation. This Agreement shall not confer any right or impose any obligation on the Executive to continue in the employ of the Company, or limit the right of the
Company or the Executive to terminate his employment. 

  

	 	(C)	 	Assignment of Interest. No right to or interest in any payments shall be assignable by the Executive. 

  

	 	(D)	 	Amendment, Modification and Waiver. This Agreement may not be amended, modified, or waived unless such amendment, modification, or waiver is agreed to in writing
signed by the Executive and by a duly authorized Company officer. 

  

	 	(E)	 	Enforceability. If any provision of this Agreement shall be determined to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions of
this Agreement shall remain in full force and effect to the fullest extent permitted by law. 

  

	 	(F)	 	Entirety of Agreement. This Agreement constitutes the entire agreement between the Company and the Executive relating to the subject matter hereof. Any compensation or
benefits to which the Executive is entitled under this Agreement shall be provided based solely upon its terms, without regard to any materials used in the preparation or consideration of this Agreement, including any summary of terms or estimate of
amounts relating to this Agreement. 

  

	 	(G)	 	Conflict of Law. The validity, interpretation, performance, and enforcement of this Agreement shall be governed by the laws of the State of New York, without giving
effect to the principles of conflict of laws thereof. 

  

	 	(H)	 	Confidentiality. The parties will treat the terms of this Agreement as confidential. 

  

	 	(I)	 	Availability. The Executive will make herself available, upon request by the Company, in connection with any proceeding, legal or regulatory, as a witness on behalf of
the Company. The Company will pay all reasonable expenses in connection with provision. 

  

	 	(J)	 	Non-Waiver of Breach. No action or inaction by the Company shall be deemed in law or equity, to be a waiver of any breach of this Agreement by the Executive.

  

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 IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the day and year first above
written. 
  

	 MONY LIFE INSURANCE COMPANY

		
	 By:
	 	  

	 	 	 Samuel J. Foti

	 	 	 President

		
	 	 	  

  

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