Document:

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                                                                    EXHIBIT 10.3

                   INDEXED EXECUTIVE SALARY CONTINUATION PLAN

                                    AGREEMENT

      This Agreement, made and entered into this 28th day of March, 1995, by and
between The Commercial Savings Bank, a Bank organized and existing under the
laws of the State of Ohio, hereinafter referred to as "the Bank", and Philip
William Kinley, a Key Employee and the Executive of the Bank, hereinafter
referred to as "the Executive".

      The Executive has been in the employ of the Bank for several years and has
now and for years past faithfully served the Bank. It is the consensus of the
Board of Directors of the bank (the Board) that the Executive's services have
been of exceptional merit, in excess of the compensation paid and an invaluable
contribution to the profits and position of the Bank in its field of activity.
The Board further believes that the Executive's experience, knowledge of
corporate affairs, reputation and industry contacts are of such value and his
continued services are so essential to the Bank's future growth and profits that
it would suffer severe financial loss should the Executive terminate his
services.

      Accordingly, it is the desire of the Bank and the Executive to enter into
this Agreement under which the Bank will agree to make certain payments to the
Executive upon his retirement and, alternatively, to his beneficiary(ies) in the
event of his premature death while employed by the Bank.

      It is the intent of the parties hereto that this Agreement be considered
an arrangement maintained primarily to provide supplemental retirement benefits
for the Executive, as a member of a select group of management or
highly-compensated employees of the Bank for purposes of the Employee Retirement
Security Act of 1974 (ERISA). The Executive is fully advised of the Bank's
financial status and has had substantial input in the design and operation of
this benefit plan.

      Therefore, in consideration of the Executive's services performed in the
past and those to be performed in the future and based upon the mutual promises
and covenants herein contained, the Bank and the Executive, agree as follows:

<PAGE>

I.    DEFINITIONS

      A.    Effective Date:

            The Effective Date of this Agreement shall be March 28, 1995.

      B.    Plan Year:

            Any reference to "Plan Year" shall mean a calendar year from January
            1 to December 31. In the year of implementation, the term "Plan
            Year" shall mean the period from the effective date to December 31
            of the year of the effective date.

      C.    Retirement Date:

            Retirement Date shall mean retirement from service with the Bank
            which becomes effective on the first day of the calendar month
            following the month in which the Executive reaches his sixty-fifth
            (65th) birthday or such later date as the Executive may actually
            retire.

      D.    Termination of Service:

            Termination of Service shall mean voluntary resignation of service
            by the Executive or the Bank's discharge of the Executive without
            cause [as defined in subparagraph III (D) hereinafter], prior to the
            Normal Retirement Age [described in subparagraph I (J) hereinafter].

      E.    Pre-Retirement Account:

            A Pre-Retirement Account shall be established as a liability reserve
            account on the books of the Bank for the benefit of the Executive.
            Prior to termination of service or the Executive's retirement, such
            liability reserve account shall be increased or decreased each Plan
            Year (including the Plan Year in which the Executive ceases to serve
            on the Board) by an amount equal to the annual earnings or loss for
            that Plan Year determined by the Index [described in subparagraph I
            (G) hereinafter], less the Opportunity Cost for that Plan Year
            [described in subparagraph I (H) hereinafter].

      F.    Index Retirement Benefit:

            The Index Retirement Benefit for the Executive for any year shall be
            equal to the excess of the annual earnings (if any) determined by
            the Index [subparagraph I (G)] for that Plan Year over the
            Opportunity Cost [subparagraph I (H)] for that Plan Year.

                                        2
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      G.    Index:

            The Index for any Plan Year shall be the aggregate annual after-tax
            income from the life insurance contracts described hereinafter as
            defined by FASB Technical Bulletin 85-4. This Index shall be applied
            as if such insurance contracts were purchased on the effective date
            hereof.

            Insurance Company:        Alexander Hamilton Life Insurance Company
            Policy Form:              Flexible Premium Adjustable Life Insurance
            Policy Name:              Universal Life
            Insured's Age, Sex:       35, Male
            Riders:                   None
            Ratings:                  None
            Option:                   Option A
            Face Amount:              $369,000
            Premiums Paid:            $95,000
            No. of Premium Payments:  One
            Assumed Purchase Date:    March 28, 1995

            If such contracts of life insurance are actually purchased by the
            Bank then the actual policies as of the dates they were purchased
            shall be used in calculations under this Agreement. If such
            contracts of life insurance are not purchased or are subsequently
            surrendered or lapsed, then the Bank shall receive annual policy
            illustrations that assume the above described policies were
            purchased from the above named insurance company(ies) on the
            Effective Date from which the increase in policy value will be used
            to calculate the amount of the Index.

            In either case, references to the life insurance contract are merely
            for purposes of calculating a benefit. The Bank has no obligation to
            purchase such life insurance and, if purchased, the Executive and
            his beneficiary(ies) shall have no ownership interest in such policy
            and shall always have no greater interest in the benefits under this
            Agreement than that of an unsecured general creditor of the Bank.

      H.    Opportunity Cost:

            The Opportunity Cost for any Plan Year shall be calculated by taking
            the sum of the amount of premiums set forth in the Indexed policies
            described above plus the amount of any benefits paid to the
            Executive pursuant to this Agreement (Paragraph III hereinafter)
            plus the amount of all previous years after-tax Opportunity Cost,
            and multiplying that sum by the average after-tax yield on a 90-day
            Treasury bill for the Plan Year.

                                       3
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      I.    Change Of Control:

            Change of control shall be deemed to be the cumulative transfer of
            more than fifty percent (50%) of the voting stock of the Bank
            holding company from the Effective Date of this Agreement. For the
            purposes of this Agreement, transfers on account of deaths or gifts,
            transfers between family members or transfers to a qualified
            retirement plan maintained by the Bank shall not be considered in
            determining whether there has been a change in control.

      J.    Normal Retirement Age:

            Normal Retirement Age shall mean the date on which the Executive
            attains age sixty-five (65).

II.   EMPLOYMENT

      No provision of this Agreement shall be deemed to restrict or limit any
      existing employment agreement by and between the Bank and the Executive,
      nor shall any conditions herein create specific employment rights to the
      Executive nor limit the right of the Employer to discharge the Executive
      with or without cause. In a similar fashion, no provision shall limit the
      Executive's rights to voluntarily sever his employment at any time.

III.  INDEX BENEFITS

      The following benefits provided by the Bank to the Executive are in the
      nature of a fringe benefit and shall in no event be construed to effect
      nor limit the Executive's current or prospective salary increases, cash
      bonuses or profit-sharing distributions or credits.

      A.    Retirement Benefits:

            Should the Executive continue to be employed by the Bank until his
            "Normal Retirement Age" defined in subparagraph I (J), he shall be
            entitled to receive the balance in his Pre-Retirement Account [as
            defined in subparagraph I (E)] in ten (10) equal annual installments
            commencing thirty (30) days following the Executive's Retirement
            Date. In addition to these payments, commencing with the Plan Year
            in which the Executive attains his Retirement Date, the Index
            Retirement Benefit [as defined in subparagraph I (F) above] for each
            year shall be paid to the Executive until his death. However, in any
            Plan Year the benefit payable under this Agreement, plus benefits
            received from any qualified retirement plans, shall

                                        4
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            not exceed seventy percent (70%) of the Executive's final
            compensation. For purposes of this agreement, "benefits received
            from any qualified retirement plans" shall mean only that portion of
            the qualified plan benefits that are attributable to Bank
            contributions to the plan. Benefits attributable to contributions by
            the Executive shall not be considered in the benefit calculation.

      B.    Termination of Service:

            Subject to subparagraph III (D) hereinafter, should the Executive
            suffer a termination of service [defined in subparagraph I (D)], he
            shall be entitled to receive, upon attaining Normal Retirement Age
            [subparagraph I (J)], the appropriate percentage from the following
            table times the balance in the Pre-Retirement Account paid over ten
            (10) years in equal installments commencing at the Retirement Date
            [subparagraph I (C)]. In addition to these payments, the appropriate
            percentage from the following table times the Index Retirement
            Benefit for each year shall be paid to the Executive until his
            death:

<TABLE>
<CAPTION>
           Vesting Schedule
-------------------------------------
   Total Years of            Vested
Service with the Bank      Percentage
---------------------      ----------
<S>                        <C>
       0-5                     0%
        6                     20%
        7                     40%
        8                     60%
        9                     80%
       10                    100%
</TABLE>

      C.    Death:

            Should the Executive die prior to having received the full balance
            of the Pre-Retirement Account, the unpaid balance of the
            Pre-Retirement Account shall be paid in a lump sum to the
            beneficiary selected by the Executive and filed with the Bank. In
            the absence of or a failure to designate a beneficiary, the unpaid
            balance shall be paid in a lump sum to the personal representative
            of the Executive's estate.

      D.    Discharge for Cause:

            Should the Executive be discharged for cause at any time prior to
            his Retirement Date, all Index Benefits under this Agreement
            [subparagraphs III (A), (B) or (C)] shall be forfeited. The term
            "for cause" shall mean

                                       5
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            gross negligence or gross neglect or the commission of a felony or
            gross-misdemeanor involving moral turpitude, fraud, dishonesty or
            willful violation of any law that results in any adverse effect on
            the bank. If a dispute arises as to discharge "for cause", such
            dispute shall be resolved by arbitration as set forth in this
            Agreement.

      E.    Disability:

            Upon total and permanent disability, the Executive shall become
            immediately one hundred percent (100%) vested. The Executive shall
            immediately begin receiving the benefits defined in subparagraph III
            (A). Total and permanent disability shall be determined by the
            Bank's board of directors. Should a dispute arise, it shall be
            settled by arbitration as described in Section VII.

      F.    Death Benefit:

            Except as set forth above, there is no death benefit provided under
            this Agreement.

IV.   RESTRICTIONS UPON FUNDING

      The Bank shall have no obligation to set aside, earmark or entrust any
      fund or money with which to pay its obligations under this Agreement. The
      Executive, his beneficiary(ies) or any successor in interest to him shall
      be and remain simply a general creditor of the Bank in the same manner as
      any other creditor having a general claim for matured and unpaid
      compensation.

      The Bank reserves the absolute right at its sole discretion to either fund
      the obligations undertaken by this Agreement or to refrain from funding
      the same and to determine the exact nature and method of such funding.
      Should the Bank elect to fund this Agreement, in whole or in part, through
      the purchase of life insurance, mutual funds, disability policies or
      annuities, the Bank reserves the absolute right, in its sole discretion,
      to terminate such funding at any time, in whole or in part. At no time
      shall the Executive be deemed to have any lien or right, title or interest
      in or to any specific funding investment or to any assets of the Bank.

      If the Bank elects to invest in a life insurance, disability or annuity
      policy upon the life of the Executive, then the Executive shall assist the
      Bank by freely submitting to a physical exam and supplying such additional
      information necessary to obtain such insurance or annuities.

                                        6
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V.    CHANGE OF CONTROL

      Upon a Change of Control [as defined in subparagraph I (I) herein], if the
      Executive's employment is subsequently terminated then he shall receive
      the benefits promised in this Agreement upon attaining Normal Retirement
      Age, as if he had been continuously employed by the Bank until that time.
      The Executive will also remain eligible for all promised death benefits in
      this Agreement. In addition, no sale, merger or consolidation of the Bank
      shall take place unless the new or surviving entity expressly acknowledges
      the obligations under this Agreement and agrees to abide by its terms.

VI.   MISCELLANEOUS

      A.    Alienability and Assignment Prohibition:

            Neither the Executive, his widow nor any other beneficiary under
            this Agreement shall have any power or right to transfer, assign,
            anticipate, hypothecate, mortgage, commute, modify or otherwise
            encumber in advance any of the benefits payable hereunder nor shall
            any of said benefits be subject to seizure for the payment of any
            debts, judgments, alimony or separate maintenance owed by the
            Executive or his beneficiary, nor be transferable by operation of
            law in the event of bankruptcy, insolvency or otherwise. In the
            event the Executive or any beneficiary attempts assignment,
            commutation, hypothecation, transfer or disposal of the benefits
            hereunder, the Bank's liabilities shall forthwith cease and
            terminate.

      B.    Binding Obligation of Bank and any Successor in Interest:

            The Bank expressly agrees that it shall not merge or consolidate
            into or with another bank or sell substantially all of its assets to
            another bank, firm or person until such bank, firm or person
            expressly agrees, in writing, to assume and discharge the duties and
            obligations of the Bank under this Agreement. This Agreement shall
            be binding upon the parties hereto, their successors,
            beneficiary(ies), heirs and personal representatives.

      C.    Revocation:

            It is agreed by and between the parties hereto that, during the
            lifetime of the Executive, this Agreement may be amended or revoked
            at any time or times, in whole or in part, by the mutual written
            assent of the Executive and the Bank.

                                        7
<PAGE>

      D.    Gender:

            Whenever in this Agreement words are used in the masculine or neuter
            gender, they shall be read and construed as in the masculine,
            feminine or neuter gender, whenever they should so apply.

      E.    Effect on Other Bank Benefit Plans:

            Nothing contained in this Agreement shall affect the right of the
            Executive to participate in or be covered by any qualified or
            non-qualified pension, profit-sharing, group, bonus or other
            supplemental compensation or fringe benefit plan constituting a part
            of the Bank's existing or future compensation structure.

      F.    Headings:

            Headings and subheadings in this Agreement are inserted for
            reference and convenience only and shall not be deemed a part of
            this Agreement.

      G.    Applicable Law:

            The validity and interpretation of this Agreement shall be governed
            by the laws of the State of Ohio.

VII.  ERISA PROVISION

      A.    Named Fiduciary and Plan Administrator:

            The "Named Fiduciary and Plan Administrator" of this plan shall be
            The Commercial Savings Bank until its' removal by the Board. As
            Named Fiduciary and Administrator, The Commercial Savings Bank shall
            be responsible for the management, control and administration of the
            Salary Continuation Agreement as established herein. The Named
            Fiduciary may delegate to others certain aspects of the management
            and operation responsibilities of the plan including the employment
            of advisors and the delegation of ministerial duties to qualified
            individuals.

      B.    Claims Procedure and Arbitration:

            In the event a dispute arises over benefits under this Agreement and
            benefits are not paid to the Executive (or to his beneficiary in the
            case of the Executive's death) and such claimants feel they are
            entitled to receive such benefits, then a written claim must be made
            to the Plan Administrator named above within ninety (90) days from
            the date payments are refused.

                                        8
<PAGE>

            The Plan Administrator shall review the written claim and if the
            claim is denied, in whole or in part, they shall provide in writing
            within ninety (90) days of receipt of such claim their specific
            reasons for such denial, reference to the provisions of this
            Agreement upon which the denial is based and any additional material
            or information necessary to perfect the claim. Such written notice
            shall further indicate the additional steps to be taken by claimants
            if a further review of the claim denial is desired. A claim shall be
            deemed denied if the Plan Administrator fails to take any action
            within the aforesaid ninety-day period.

            If claimants desire a second review they shall notify the Plan
            Administrator in writing within ninety (90) days of the first claim
            denial. Claimants may review this Agreement or any documents
            relating thereto and submit any written issues and comments they may
            feel appropriate. In his sole discretion, the Plan Administrator
            shall then review the second claim and provide a written decision
            within ninety (90) days of receipt of such claim. This decision
            shall likewise state the specific reasons for the decision and shall
            include reference to specific provisions of this Agreement upon
            which the decision is based.

            If claimants continue to dispute the benefit denial based upon
            completed performance of this Agreement or the meaning and effect of
            the terms and conditions thereof, then claimants may submit the
            dispute to a Board of Arbitration for final arbitration. Said Board
            shall consist of one member selected by the claimant, one member
            selected by the Bank, and the third member selected by the first two
            members. The Board shall operate under any generally recognized set
            of arbitration rules. The parties hereto agree that they and their
            heirs, personal representatives, successors and assigns shall be
            bound by the decision of such Board with respect to any controversy
            properly submitted to it for determination.

            Where a dispute arises as to the Bank's discharge of the Executive
            "for cause", such dispute shall likewise be submitted to arbitration
            as above described and the parties hereto agree to be bound by the
            decision thereunder.

                                       9
<PAGE>

      IN WITNESS WHEREOF, the parties hereto acknowledge that each has carefully
read this Agreement and executed the original thereof on the 28th day of March,
1995 and that, upon execution, each has received a conforming copy.

                                     THE COMMERCIAL SAVINGS BANK

/s/ Bernard E. Mc Coy                By: /s/ R. E. Graves Pres.
--------------------------               ----------------------------
Witness                                                 Title

/s/ Bernard E. Mc Coy                By: /s/ Philip William Kinley
--------------------------                  -------------------------
Witness                                     Philip William Kinley

                                   10<PAGE>

EXHIBIT 10.4

                         EXECUTIVE EMPLOYMENT CONTRACT,
  DATED AS OF MARCH 31, 2004, BETWEEN TRACY MORGAN AND ADVANTAGE FINANCE, INC.

                          EXECUTIVE EMPLOYMENT CONTRACT

   THIS CONTRACT is made as of March 31, 2004 ("Effective Date"), between
ADVANTAGE FINANCE, INC. ("Advantage"), an Ohio corporation having an address of
118 S. Sandusky Avenue, P.O. Box 90, Upper Sandusky, Ohio 43351, and TRACY
MORGAN ("Mr. Morgan"), having an address of __________________________________,
for Mr. Morgan's employment by Advantage as President ("President") of
Advantage.

                                   BACKGROUND

   A. Advantage desires to employ Mr. Morgan under the terms and conditions set
forth in this Contract.

   B. Mr. Morgan desires to be employed by Advantage under the terms set forth
   in this Contract. In consideration of the promises contained in this
   Contract, the parties agree as follows:

   1. EMPLOYMENT. Upon the terms and subject to the conditions of this Contract,
Advantage hereby agrees to employ Mr. Morgan. Upon the terms and subject to the
conditions of this Contract, Mr. Morgan agrees to serve as a full time employee
of Advantage.

   2. SERVICES RENDERED.

      (a) General. Mr. Morgan shall render services and perform the duties of
the position of President of Advantage. Subject to Subsections 2(b) and 2(d),
Mr. Morgan shall perform such other duties and have such other responsibilities
for Advantage as are of the same character and nature as those typically
performed by the president of a finance company of comparable size and with a
comparable market to that of Advantage.

      (b) Reporting. Mr. Morgan shall be subject to the supervision and
direction of the Board of Directors of Advantage ("Board"). Mr. Morgan shall
have the authority set by the Advantage Code of Regulations and the authority
delegated by the Board. Mr. Morgan will report to the Chair of the Board and to
the Board. The Chair of the Board will participate in an annual evaluation by
the Board of Mr. Morgan's performance.

      (c) Full time employee. Mr. Morgan shall devote his full time employment
during the term of this Contract to the faithful and diligent performance of his
duties for Advantage. Mr. Morgan shall not engage in other business activities,
whether or not the business activities are pursued for gain, profit, or other
pecuniary advantage without the prior written consent of Advantage.

      (d) Adherence to standards. Mr. Morgan shall perform all duties in a
competent and professional manner. Mr. Morgan shall abide by the Articles of
Incorporation and Code of Regulations of Advantage; the rules, regulations,
policies, and performance objectives of Advantage as they exist from time to
time; applicable ethical and business standards; and the law. The parties
understand that collaborative goals and objectives will be developed, and that
progress towards these established criteria will be used to determine
performance. Mr. Morgan shall be responsible for developing risk management
policies and procedures for Advantage that use as primary tools for risk
management compliance with ethical, legal, and business standards; training; and
audits and other retrospective reviews of compliance with appropriate standards.
Advantage intends to grow, to seek additional markets, and to increase
profitability (which intentions Mr. Morgan acknowledges), and, as a result, Mr.
Morgan and Advantage acknowledge that performance standards may change as
Advantage changes; however, compliance with ethical standards and the law shall
remain constant.

   3. COMPENSATION.

      (a) Base salary. During the initial term of this Contract, Advantage shall
pay Mr. Morgan a base salary of $75,000, subject to all applicable withholdings,
in accordance with the then current policies of Advantage for executive
compensation. The base salary provided by this Section 3(a) as adjusted under
Section 3(c) may be called "base salary".

      (b) Employee benefits. In addition to the base salary, Advantage shall
provide to, or for the benefit of, Mr. Morgan the following employee benefits:

                                                                              14
<PAGE>

            (i) Vacation and sick leave. Participation in the vacation and sick
leave plan maintained for executives of Advantage, which includes three weeks of
vacation until Mr. Morgan's 15-year anniversary with Advantage and four weeks
thereafter.

            (ii) Business expense reimbursement. Reimbursement for, or payment
of, the reasonable business and entertainment expenses incurred by Mr. Morgan on
behalf of Advantage pursuant to the written policies of Advantage or as
otherwise approved by the Board.

            (iii) Continuing education/seminars. Reimbursement for reasonable
expenses incurred by Mr. Morgan for continuing education or seminar programs
attended by Mr. Morgan that are approved by Advantage. Such attendance shall not
constitute vacation time, if the attendance is approved by the Chair of the
Board.

            (iv) Benefit plans. Participation in the retirement and welfare
benefit plans made available to the employees of Advantage and in any such other
similar plans maintained by Advantage on the same basis as the other executive
employees of Advantage who participate in such plans.

            (v) Deferred compensation program. Participation in Advantage's
deferred compensation program to the extent authorized by law.

            (vi) Health and disability insurance plans. Participation in the
family group health, disability, and other insurance plans made available to the
employees of Advantage and in any such other similar plans maintained for the
executives of Advantage on the same basis as the other executives participating
in such plans.

            (vii) Life insurance plans. A term life insurance policy upon the
life of Mr. Morgan in an amount equal to one and one-half times his annual base
salary continuing on if Mr. Morgan becomes partially or permanently disabled.

            (viii) Memberships. Reimbursement for, or payment of, the membership
dues and other expenses required to maintain the membership of Mr. Morgan in
certain clubs and organizations that Advantage determines are beneficial to
Advantage.

            (ix) Automobile. One new automobile for use within a 60-mile radius
of Upper Sandusky. Advantage may replace the automobile at such time or times as
Advantage may choose. Advantage shall furnish liability insurance, routine
maintenance, and fuel. Employee shall operate the vehicle in a lawful manner,
shall be responsible for all violations of law related to the vehicle, shall be
responsible for insuring that the automobile is maintained, shall maintain the
vehicle in first-class salable condition, and shall insure that the automobile
is available for Mr. Morgan's use in the business of Advantage. If it is
necessary or desirable to make major repairs to the automobile, Mr. Morgan shall
seek the prior approval of Advantage. Mr. Morgan shall be responsible for major
repairs resulting from improper or imprudent use or maintenance of the
automobile. "Major repairs" include repairing damage suffered in accidents, tire
replacement, and other repairs outside the regular schedule of maintenance
recommended by the manufacturer of the vehicle.

   Mr. Morgan shall submit regular reports of personal use of the employee
benefits required under the Internal Revenue Code to be treated as taxable
income to Mr. Morgan in order to allow Advantage to determine the amount that
must be reported to the Internal Revenue Service as compensation to Mr. Morgan.
In providing the employee benefits under this Section 3(b), the Board may
determine that the payment for any or all of such employee fringe benefits shall
be taken from the pre-tax salary of Mr. Morgan, to the extent permissible under
applicable law.

   The benefits provided under this Section 3(b) and under annual adjustments,
if any, under Section 3(c) may be called "employee benefits".

      (c) Annual review. Mr. Morgan's base salary and employee benefits will be
reviewed and, in the discretion of Advantage, shall be subject to adjustment not
less frequently than annually, at the end of each calendar year during the term
of this Contract. Any adjustments to Mr. Morgan's base salary and employee
benefits (including any decision not to adjust base salary or employee benefits)
shall be made in the sole discretion of the Board.

   4. TERM AND TERMINATION.

      (a) Term; renewal; and non-renewal. Mr. Morgan's employment and this
Contract are effective as of the Effective Date and shall remain in full force
and effect for a period expiring March 31, 2006, unless earlier terminated. Mr.
Morgan's employment and this Contract shall be renewed automatically for a one
year period following the conclusion of the original term and following the end
of each subsequent one year period upon the terms and conditions set forth in
this Contract, unless either party

                                                                              15
<PAGE>

gives written notification to the other party of the intention not to renew this
Contract or to alter any of its terms and conditions not less than 60 days prior
to the termination hereof.

      (b) Termination by Advantage without cause. Advantage may terminate Mr.
Morgan's employment without cause by giving Mr. Morgan a notice of termination.
The notice of termination without cause shall be effective upon the earlier of
actual receipt by Mr. Morgan or two days after mailing by first class mail. If
Advantage terminates the employment of Mr. Morgan without cause attributable to
Mr. Morgan, for a period of twelve (12) months commencing the date on which Mr.
Morgan is given notice of the decision to terminate, Advantage shall pay to Mr.
Morgan the base salary in effect on the date of the notice of the decision to
terminate and provide or pay continuation and all Employee Benefits identified
in Section 3(b) of this Contract, except for reimbursement under Section
3(b)(ii) of business expenses incurred after notice of termination, continuing
education and seminar programs under Section 3(b)(iii) occurring after notice of
termination, and membership expenses in clubs and organizations under Section
3(b)(ix) (except for minimum costs necessary to maintain membership for six
months after notice of termination) (collectively, "continuation compensation").
Federal, state and local taxes, as well as social security contributions and
other normal deductions will be withheld from any continuation compensation.
During the period that Mr. Morgan receives continuation compensation, Employee
Benefits shall be reduced by any similar benefits received from third parties
such as a subsequent employer. Neither termination of Mr. Morgan's employment
voluntarily by Mr. Morgan nor a termination of Mr. Morgan's employment arising
out of illness or disability to perform the duties of his position will be a
termination without cause under this Subsection. Morgan shall notify Advantage
in writing within 24 hours after accepting full or part-time employment with a
third party.

      (c) Termination by Mr. Morgan; termination by Advantage with cause. Mr.
Morgan may terminate his employment under this Contract by giving Advantage 60
days notice of his intention to resign. Advantage may terminate Mr. Morgan's
employment with cause by giving Mr. Morgan notice of termination for cause. The
notice of termination for cause is not required to describe the cause or causes,
but must state that the "termination of employment is for cause". The notice of
termination for cause shall be effective upon the earlier of actual receipt by
Mr. Morgan or two business days after mailing by first class mail. If Mr. Morgan
voluntarily terminates his employment or if Advantage terminates Mr. Morgan's
employment with cause, Advantage will not be obligated to pay continuation
compensation after the date of termination, except as required by law. "Cause"
includes, but is not limited to, conduct by Mr. Morgan concerning any one or
more of the following: failure to adhere to ethical standards or the law; moral
and ethical misdeeds conducted on the job; failure to carry out the duties of
employment or to carry out directions of the Board; willful misconduct;
conviction of a felony; or conduct that otherwise interferes with the
performance of Mr. Morgan's duties or Advantage's business, including any
conduct that adversely reflects upon Advantage or its business and any conduct
committed during or outside of the employment relationship that, reasonably
considered, harms the reputation of Advantage. As used in this subsection,
"conduct" includes one or more acts, one or more failures to act, or any
combination of the foregoing.

      (d) Termination upon permanent disability. Mr. Morgan's employment shall
terminate upon the permanent disability of Mr. Morgan. "Permanent disability"
means Mr. Morgan's physical or mental inability to perform the services required
under this Contract caused by a physical or mental condition or impairment for a
period exceeding 180 days. If a disability prevents Mr. Morgan from performing
the services required under this Contract, Mr. Morgan shall receive such
short-term and long-term disability coverage as shall have been purchased under
the programs then available to employees of Advantage.

      (e) Consequences of termination of employment. Except for post-employment
obligations concerning continuation compensation, disability benefits,
non-competition, and confidentiality, upon termination of Mr. Morgan's
employment for any reason, this Contract shall terminate, Mr. Morgan shall cease
all activity on behalf of Advantage and its affiliates, Mr. Morgan shall
automatically, without further action by either party, be discharged from all
offices of Advantage and all offices of affiliates of Advantage held by Mr.
Morgan, Mr. Morgan shall confirm his discharge by resigning from all offices of
Advantage and its affiliates, Mr. Morgan shall resign from all boards of
Advantage and the affiliates of Advantage, and Mr. Morgan shall resign from all
employment by Advantage and affiliates of Advantage. Mr. Morgan agrees that
provisions of this Subsection related to resignation are reasonable and that
remedies at law would be inadequate for a breach of the provisions of this
Subsection related to resignation. For these reasons, Advantage may enforce the
obligations of Mr. Morgan under this Subsection by injunctive relief, including
a temporary restraining order, a preliminary injunction, and a

                                                                              16
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permanent injunction and by an award for fees, costs, and expenses incurred by
Advantage to enforce this Subsection, including (but not limited to) attorneys'
fees, costs and expenses, and other expenses incurred to enforce this
Subsection.

      Upon termination of this Contract with Advantage for any reason, Mr.
Morgan shall promptly deliver to Advantage all physical property of Advantage
under his possession, custody or control, including (but not limited to), keys,
plans, designs, computer programs, computer lists, prospect lists, records,
letters, notes, reports, financial information, and all other materials relating
to Advantage, its subsidiaries and its affiliates, their businesses, or their
clients and customers.

   5. NONCOMPETITION. During the initial term of this Contract any renewal term,
and for a period of one year following termination of this Contract for any
reason, Mr. Morgan shall not provide services, by himself or by any entity in
which he has any ownership interest, or as an employee for any finance company
or any financial institution or bank holding company or any affiliate of a
finance company, financial institution, or bank holding company that provides
services to any customers or prospective customers of Advantage.

   During the term of this Contract (initial term and any renewal period) and
for a period of one year thereafter, Mr. Morgan (for himself or on behalf of a
third party) shall not employ, offer to employ, or solicit employment of any
employee of Advantage or any of its affiliates, subsidiaries or any professional
under contract with Advantage or any of its subsidiaries.

   Mr. Morgan agrees that he has received consideration to which he was not
otherwise entitled in return for his obligations under this Section, and that
the provisions of this Section are reasonable and necessary to protect the
legitimate business interests of Advantage, and are reasonable with respect to
time, territory, and business. Mr. Morgan shall pay any and all legal fees,
costs, and other expenses incurred by Advantage in the course of legal action to
enforce the provisions of this Section. Mr. Morgan agrees that the remedies at
law for a breach of this Section would be inadequate to protect Advantage
because money damages would be difficult, if not impossible, to ascertain and
would be estimable only by conjecture, and therefore, Mr. Morgan agrees that
Advantage will be entitled to injunctive relief, including a temporary
restraining order, a preliminary injunction and a permanent injunction for any
such breach as well as all reasonable attorneys' fees, and costs and other
expenses incurred to enforce this provision. The duty to arbitrate disputes
under this Contract shall not apply to any claim for violation of this Section.

   The obligations of Mr. Morgan under this Section shall survive the
termination of the Contract for any reason.

   6. CONFIDENTIALITY. Mr. Morgan hereby acknowledges that he may be required to
handle Confidential Business Information in the performance of his
responsibilities. Mr. Morgan is aware that this is proprietary information to
Advantage or the party supplying it and the exclusive property of Advantage or
its clients and customers, and Mr. Morgan shall not disclose the Confidential
Business Information in any manner at any time, to others inside or outside
Advantage or to unauthorized employees and officers of Advantage. Unauthorized
disclosure or other mishandling of Confidential Business Information may result
in termination of this Contract and Mr. Morgan's employment for cause and in
other appropriate actions. Mr. Morgan agrees that his obligation not to reveal
Confidential Business Information will remain in force permanently,
notwithstanding that Mr. Morgan's authorization to handle Confidential Business
Information is revoked while still under contract to Advantage, or as a result
of the termination of this Contract or Mr. Morgan's employment.

   Except as Advantage may require or otherwise consent to in writing, Mr.
Morgan shall not, at any time during or subsequent to the termination of this
Contract disclose or use in any way any information or knowledge or data
received or developed while providing services to Advantage, including but not
limited to, plans, designs, formulas, business processes, methods, test data,
inventions, discoveries, computer programs, customer/client lists, prospect
lists, financial information, and trade secrets of Advantage or its customers
(collectively, "Confidential Business Information").

   In addition to any other remedies Advantage may have at law or in equity, Mr.
Morgan agrees that Advantage will be entitled to a restraining order,
injunction, or similar remedy to enforce the terms of this Section and Mr.
Morgan's obligation under Section 4(e) to return property of Advantage, as well
as all reasonable attorneys' fees, costs, and other expenses incurred to enforce
this Section. The duty to arbitrate disputes under this Contract shall not apply
to any claim for a violation of this Section or Mr. Morgan's obligation under
Section 4(e) to return property of Advantage. The obligations of Mr. Morgan
under this Section shall survive the termination of this Contract or any reason.

                                                                              17
<PAGE>

   7. INDEMNIFICATION. Advantage shall indemnify Mr. Morgan for any and all acts
or omissions of Mr. Morgan related in any way to his employment with Advantage,
provided Mr. Morgan acted in good faith, in a manner reasonably believed to be
in, or not opposed to, the best interests of Advantage, and with the care that
an ordinary prudent person in a like position would use under similar
circumstances. Notwithstanding the preceding sentence, Advantage shall not be
obligated to indemnify Mr. Morgan when such indemnification would be contrary to
law or public policy or appropriate ethical standards.

   8. VALIDITY. The invalidity or unenforceability of any particular provision
of this Contract shall not affect the validity or enforceability of any other
provision contained in the Contract.

   9. CHOICE OF LAW. This Contract and the interpretation of each of its
provisions shall be governed by the laws of the State of Ohio and the venue of
any dispute or litigation shall be Wyandot County, Ohio. The rights of the
parties under this Contract will likewise be governed by the laws of the State
of Ohio.

   10. ENTIRE CONTRACT. This Contract contains the complete agreement between
the parties with respect to the subject matter of this Contract. The provisions
of this Contract are solely for the benefit of the parties to this Contract and
not for the benefit of any other persons or legal entities.

   11. ASSIGNMENT. This Contract is binding on and inures to the benefit of
successors and assigns of Advantage. This Contract shall continue as a matter of
law in the event of a merger or consolidation of Advantage, and shall not be
deemed to be terminated in the event of an affiliation or combination other than
a merger or consolidation. Should there be such an affiliation or combination
and the successor entity fails to or refuses to honor the terms and conditions
of this Contract, this Contract shall be deemed terminated by Advantage without
cause.

   12. AMENDMENTS. No representations have been made between Advantage and Mr.
Morgan concerning the terms, conditions, and agreements of the contractual
relationship covered by this Contract other than those representations contained
in this Contract and no representations made during the course of performance of
services under this Contract can alter any of the provisions of this Contract.
This Contract supersedes any and all prior contracts and understandings between
Advantage and Mr. Morgan and may not be orally changed, waived, or amended. No
change, waiver, or amendment in any form shall be binding unless signed in
writing by the Chair of the Board of Advantage and Mr. Morgan.

   13. ARBITRATION. Advantage and Mr. Morgan agree to work in good faith to
resolve any disputes arising under this Contract. Any controversy or claim
arising out of or relating to the interpretation or application of this
Contract, or any breach hereof, shall be settled by arbitration in Wyandot
County in accordance with the Employment Dispute Resolution Rules of the
American Arbitration Association then in effect, and judgment upon the award
rendered by the arbitrator (s) shall be final and binding on the parties hereto
and may be entered in any court having jurisdiction thereof.

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

                          ADVANTAGE FINANCE, INC.

_______________________________   By _____________________________________
Tracy Morgan                         Chair of the Board of Directors

                                                                              18

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