Document:

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                                                                Exhibit 10(xiii)
                                                                ----------------

                          Consulting Agreement between
                      Susquehanna and Robert S. Bolinger,
                               dated June 4, 2002.

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                              CONSULTING AGREEMENT
                              --------------------

     This Consulting Agreement ("Agreement") is made this 4th day of June, 2001,
between SUSQUEHANNA BANCSHARES, INC. (herein referred to as "Corporation") and
ROBERT S. BOLINGER, (herein referred to as "Consultant").

     Consultant has served faithfully as an employee and officer of the
Corporation for many years.

     As an officer and director of the Corporation, Consultant has contributed
materially to the development of policies and practices of the Corporation that
have led to the Corporation's success.

     The officers and board of directors of the Corporation are unanimous in
agreeing that Consultant's services will be of great value to the Corporation in
its future success.

     Consultant wishes to withdraw from active executive responsibility in the
Corporation, but is willing to devote part of his time to acting as advisor and
consultant for the Corporation.

     The Corporation desires to retain Consultant's services as a part-time
advisor and consultant subject to Consultant's agreement not to compete with the
Corporation.

     IT IS THEREFORE AGREED;

     1. Terms and Duties. The Corporation hereby retains Consultant to perform
        ----------------
and Consultant shall perform, during the period hereinafter called the
"Consultative Period", beginning on July 1, 2001 and continuing until the
earlier of June 30, 2002, or Consultant's death, such advisory and consultative
services on a part-time basis as may, from time to time, be

                                       1

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requested by the President or the Board of Directors of the Corporation,
subject, however, to the following conditions:

          (a) Such services shall be performed in such place or places as the
President or Board of Directors of the Corporation may from time to time
designate but shall essentially be performed in the Commonwealths of
Pennsylvania and Virginia and the States of Maryland and New Jersey.

          (b) Consultant shall not be required to devote a major part of his
time to such services.

          (c) Consultant shall not be required to render services during
reasonable vacation periods or during periods of illness or other incapacity.

          (d) Consultant shall be deemed to be an independent contractor and
shall have no authority to bind Corporation to any contract.

     2. Compensation.
        ------------

          (a) The Corporation shall pay to Consultant (or to his estate in the
event of his death) and Consultant (or his estate in the event of his death)
shall accept from the Corporation for Consultant's services under this Agreement
during the Consultative Period and for Consultant's Agreement Not To Compete
during that period Two Hundred Fifty Thousand ($250,000.00) Dollars payable on
Consultant's request subsequent to September 15, 2001.

          (b) The Corporation shall pay Consultant's Bent Creek Country Club
dues so long as he is able to perform his advisory and consultative services
under this Consultation Agreement.

          (c) The Corporation will title the car currently being used by the
Consultant into Consultant's name on or before June 30, 2001.

                                       2

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     3. Expenses and Office Space. During the Consultative Period, Consultant
        -------------------------
shall be allowed, on submission of vouchers, reasonable out-of-pocket expenses
for entertainment, travel, meals, hotel accommodations, and the like incurred by
Consultant in the interest of the Corporation's business, if requested to incur
such expenses on behalf of the Corporation, and Consultant shall be furnished
office space and facilities suitable to Consultant's position and adequate to
the performance of Consultant's duties. However Consultant may perform services
in any other place.

     4. Restrictive Covenant. From July 1, 2001, until June 30, 2002,
        --------------------
("Non-Compete Period"), Consultant shall not, either directly or indirectly, as
owner, principal, shareholder, director, partner, officer, agent, employee,
consultant, or otherwise engage in or become financially interested in any
business conducted by Corporation, or similar or related business, within the
Commonwealth of Pennsylvania and the States of Maryland and New Jersey.

     5. Benefit. If the Corporation shall at any time be merged or consolidated
        -------
into or with any other corporation or if substantially all the assets of the
Corporation are transferred to another corporation, or if Corporation's majority
control is transferred, the Consultive Period and Non-Compete Period shall
terminate and all remaining compensation provided herein shall be accelerated
and become due and payable to Consultant immediately.

     6. Non-Assignability. In view of the personal nature of the services to be
        -----------------
performed by Consultant under this agreement, Consultant shall not have the
right to assign or transfer any of the rights or benefits of this Agreement
except in the event of Consultant's death, nor shall they be subject to
voluntary or involuntary alienation.

     7. Death or Disability. In the event of the death or disability of
        -------------------
Consultant during the Consultative Period, the Corporation, unless Consultant is
then in violation of the restrictive

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covenant, shall continue to make the payments described in paragraph 2 (a) to
Consultant if disabled or to Consultant's spouse if she survives Consultant, or
to Consultant's estate of Consultant's spouse does not survive Consultant.

     8. Ordinary Income. Consultant agrees that the payments described in
        ---------------
paragraph 2(a) hereof are ordinary income and shall be reported as such to
taxing authorities.

     9. Remedies. Consultant acknowledges that the restrictions contained in
        --------
paragraph 4, in view of the nature of the business in which the Corporation is
engaged, are reasonable and necessary to protect the legitimate interests of the
Corporation. Consultant acknowledges that the restrictions contained in
paragraph 4 will not prevent Consultant from earning a living. Consultant
understands and agrees that the remedies at law for violation of any of the
covenants or provisions of paragraph 4 will be inadequate, that such violations
will cause irreparable injury within a short period of time, and that the
Corporation shall be entitled to preliminary injunctive relief and other
injunctive relief against any such violation. Such injunctive relief shall be in
addition to, and in no way in limitation of, any and all other remedies the
Corporation shall have in law and equity for the enforcement of those covenants
and provisions. If Consultant breaches or violates the provisions of paragraph 4
herein, the obligation of Corporation for the payments under paragraph 2 herein
shall be suspended during such breach or violation and the Non-Compete Period
shall be deemed to extend for an additional period equal to the period of such
breach or violation.

     10. Modification. This Agreement contains the full agreement of the parties
         ------------
and shall not be modified, altered, changed, or terminated except pursuant to a
writing signed by the parties hereto.

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     11. Construction. This Agreement shall be governed by and construed in
         ------------
accordance with the laws of the Commonwealth of Pennsylvania.

     12. Invalidity. If any of the provisions of this Agreement are determined
         ----------
to be invalid, such invalidity shall not affect or impair the validity of the
other provisions that shall be deemed severable to this extent and shall remain
in full force and effect. The provisions of this Agreement are intended to be
and shall be deemed severable.

     13. Waiver. Waiver by any party of any breach of or exercise of any right
         ------
under this Agreement shall not be deemed a waiver of a breach of similar rights.
The failure of any party to take any action by reason of any such breach or to
exercise any such right, shall not be deemed a waiver of such breach nor deprive
such party of the right to take action at any time while such breach; or
condition giving rise to such right, continues.

     14. Miscellaneous.
         -------------

          (a) No rights are intended to be created in favor of any third party
creditor, donee, or incidental beneficiary.

          (b) Notices hereunder shall be in writing and shall be deemed given if
delivered in person or if sent by certified or registered mail, return receipt
requested, as follows:

If to Corporation:   26 North Cedar Street, Lititz, Pennsylvania, 17543

If to Consultant:    1314 Stillwater Road, Lancaster, Pennsylvania, 17601

or to such other address as the Corporation or Consultant, as the case may be,
shall designate by notice to the other.

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     Dated the day and year first above written.

WITNESSES PRESENT                           SUSQUEHANNA BANCSHARES, INC.

/s/ Edward Balderston                       By: /s/ William J. Reuter
------------------------------------            --------------------------------
                                            Title:  President
------------------------------------                ----------------------------

                                            CONSULTANT:

                                            /s/ Robert S. Bolinger        (SEAL)
                                            ------------------------------
                                            ROBERT S. BOLINGER

                                       6<PAGE>

                                                                 Exhibit 10(xiv)
                                                                 ---------------

          Guaranty Agreement dated March 11, 2002 by Michael J. Wimmer
                    in favour of Boston Service Company, Inc.

<PAGE>

                                    GUARANTY

THIS GUARANTY, dated as of March 11, 2002, ("this Guaranty") is made by Michael
                                                  --------
J. Wimmer, an adult individual residing at 34 Southwood Drive, Cherry Hill, New
Jersey (hereinafter referred to as the "Guarantor") in favor of Boston Service
Company, Inc., doing business as Hann Financial Service Corp., a New Jersey
corporation (hereinafter referred to as "Hann"), with respect to certain
obligations, present and future, of Auto Lenders Liquidation Center, Inc., a New
Jersey corporation (hereinafter referred to as "Auto Lenders"), to Hann.

                                   BACKGROUND

A. Hann and Auto Lenders are parties to a certain Purchase Agreement, dated as
of even date herewith (the "Purchase Agreement"), pursuant to which Auto Lenders
has, inter alia, undertaken, for the fees and other considerations therein
expressed, to pay the Residual Vehicle Purchase Price for each Residual
Vehicles, all as more fully set forth therein. Terms used herein but not
otherwise defined herein shall have the meanings ascribed to them in the
Purchase Agreement.

B. The Guarantor is the owner of a majority of the outstanding shares of the
capital stock of Auto Lenders and, as an inducement to Hann to enter into the
Purchase Agreement, is willing to provide hereby his guarantee of all of the
obligations of Auto Lenders under the Purchase Agreement.

C. All capitalized terms used in this Guaranty which are not expressly defined
herein shall have the meanings ascribed to such terms in the Purchase Agreement.

                                    COVENANTS

NOW, THEREFORE, in consideration of the foregoing and the undertakings of Auto
Lenders and Hann contained in the Purchase Agreement, and intending to be
legally bound hereby, the Guarantor hereby undertakes and agrees as follows:

     1. Guaranty. (a) So long as the Guaranty Conditions (as defined below) have
        --------
been met, Guarantor guarantees, as a guarantor and not as a surety, Auto
Lenders' obligation to purchase each Residual Vehicle for the Residual Value
Purchase Price, upon delivery of a Residual Allocation Notice by Hann to Auto
Lenders, pursuant to the terms of the Purchase Agreement (such obligations, the
"Obligations"), without demand, presentment, protest or notice. The Collateral
 -----------
Agent shall have the right to enforce the Guaranty on behalf of Hann. As used
herein, the term "Guaranty Conditions" means (i) Hann is not in material default
of the Purchase Agreement, (ii) Auto Lenders is in material default under the
Purchase Agreement and (iii) delivery by Hann of the related Residual Vehicle to
an Auto Lenders designated place of business at Hann's sole expense.

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     (b) Without limiting the generality of the foregoing Section 1(a) above,
the occurrence of one or more of the following shall not preclude the
enforcement of the Guaranty by Hann or the Collateral Agent or alter or impair
the liability of the Guarantor under this Guaranty: (i) the commencement of any
bankruptcy, insolvency or similar proceeding with respect to Auto Lenders, (ii)
the waiver or consent by the Collateral Agent with respect to the Obligations,
any delay or lack of diligence in enforcement of the Obligations, or any failure
to institute proceedings, file a claim, give any required notices or otherwise
protect the Obligations, (iii) any assignment, pledge or other transfer of
Hann's rights or Auto Lenders' obligations under the Purchase Agreement, (iv)
any acceptance of collateral security, guarantors, accommodation parties or
sureties for any or all of the Obligations, (v) any consolidation or
amalgamation of Auto Lenders with, any merger of Auto Lenders with or into, or
any transfer by Auto Lenders of all or substantially all of its assets to
another Person, any change in the legal or beneficial ownership of ownership
interests issued by Auto Lenders, or any other change whatsoever in the objects,
capital structure, constitution or business of Auto Lenders, (vi) any delay,
failure or inability of Hann to perform, willful or otherwise, any provision of
any of the Transaction Documents or any agreement or instrument referred to
therein other than Hann's obligations to Auto Lenders under the Purchase
Agreement, (vii) any suit or other action brought by, or any judgment in favor
of, any beneficiaries or creditors of, Auto Lenders or any other Person for any
reason whatsoever, including any suit or action in any way disaffirming,
repudiating, rejecting or otherwise calling into question any issue, matter or
thing in respect of any of the Obligations or the Transaction Documents, (viii)
any lack or limitation of status or of power, incapacity or disability of Auto
Lenders or any other guarantor or obligor in respect of any of the Obligations,
(ix) the occurrence of any Event of Default under the Loan Agreement or Servicer
Termination Event under the Galleon SUBI Servicing Supplement or the occurrence
of any similar event (howsoever described) under any other Transaction Document,
or (x) any change in the time, manner or place of payment or performance or
compliance of, or in any other term in respect of, or any subordination of, all
or any of the Obligations, or any other amendment, extension, renewal or waiver
of or consent to any departure from the Transaction Documents or any other
document or instrument executed in connection with or related to the
Obligations.

     (c) For purposes of this Guaranty, a material default shall mean any
failure to pay, when due, any amount(s) due under the Purchase Agreement.

     (d) This Guaranty is a continuing guaranty, and the Guarantor agrees that
the Obligations may be extended or renewed, in whole or in part, without notice
to or further assent by him, and that he will remain bound upon his guaranty
notwithstanding any such extension or renewal until the payment in full and
performance of all the Obligations. In the event Auto Lenders shall consolidate
or amalgamate with, or merge into, or transfer all or substantially all of its
assets to, another Person, the Guarantor shall continue to be obligated
hereunder in respect of the Obligations, whether or not the Obligations are
assumed by such Person, and each reference herein to Auto Lenders shall
thereafter instead be a reference to such Person. This Guaranty shall continue
to be effective or shall be reinstated, as the case may be, if at any time any
payment, or any part hereof, of any of the Obligations is rescinded or must
otherwise be returned by the Collateral Agent upon the insolvency, bankruptcy,
dissolution, liquidation or reorganization of Auto Lenders or otherwise, all as
though such payment had not been made.

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     2. Subordination. Upon payment by Guarantor of any of the Obligations, all
        -------------
rights of Guarantor against Auto Lenders arising as a result thereof by way of
right of subrogation, contribution, reimbursement, indemnity or otherwise shall
in all respects be subordinate and junior in right of payment to the prior
indefeasible payment in full and performance of all of the Obligations. This
Guaranty is a continuing one and shall remain in full and effect until all of
the Obligations have been indefeasibly paid and discharged and the Purchase
Agreement is terminated.

     3. Set-Off. Each amount that the Guarantor is obligated to pay under this
        -------
Guaranty shall be paid without set-off, deduction or counterclaim.

     4. Instrument for Payment of Money. The Guarantor hereby acknowledges that,
        -------------------------------
with respect to the Obligations that are payment obligations, this Guaranty
constitutes an instrument for the payment of money and consents and agrees that
the Collateral Agent, at its sole option, in the event of a dispute by the
Guarantor in relation to the payment of any moneys due hereunder, shall have the
right to bring motion-action under New York CPLR Section 3213.

     5. Confidentiality. Neither the Guarantor nor, so long as the Guarantor is
        ---------------
not in default hereunder, Hann, will disclose any information about the
existence or substance of this Guaranty to any third persons (other than
attorneys and like persons with whom the Guarantor or Hann have a confidential
relationship) unless required to do so by the Transaction Documents, applicable
law, regulation or legal process, including securities law disclosure
requirements, or at the request or direction of any state or federal regulatory
agency.

     6. Corporate Existence of Auto Lenders. The Guarantor hereby covenants that
        -----------------------------------
he will cause Auto Lenders to remain in existence until all of the Obligations
have been indefeasibly paid and performed in full and this Guaranty shall have
been fully satisfied.

     7. Financial Statements of Guarantor. Until all of the Obligations have
        ---------------------------------
been indefeasibly paid and performed in full and this Guaranty shall have been
fully satisfied, the Guarantor will furnish to Hann, on an annual basis,
personal financial statements consisting of a balance sheet of the Guarantor and
a statement of his income as of the last day of each calendar year and for the
calendar year then ended. The Guarantor shall furnish such financial statements
not later than April 15 of the succeeding calendar year, commencing April 15,
2002.

     8. CHOICE OF LAW; SUBMISSION TO JURISDICTION. (a) THIS GUARANTY AND ALL
        -----------------------------------------
MATTERS ARISING OUT OF OR RELATING IN ANY WAY THERETO SHALL BE GOVERNED BY AND
CONSTRUED IN ACCORDANCE WITH THE INTERNAL LAWS OF THE STATE OF NEW YORK WITHOUT
REGARD TO OTHERWISE APPLICABLE PRINCIPLES OF CONFLICTS OF LAW, OTHER THAN
SECTION 5-1401 AND 5-1402 OF THE NEW YORK GENERAL OBLIGATIONS LAW.

<PAGE>

     (b) EACH PARTY HERETO HEREBY IRREVOCABLY AND UNCONDITIONALLY SUBMITS, FOR
ITSELF AND ITS PROPERTY, TO THE NONEXCLUSIVE JURISDICTION OF THE SUPREME COURT
OF THE STATE OF NEW YORK SITTING IN THE BOROUGH OF MANHATTAN AND OF THE UNITED
STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF NEW YORK, AND ANY APPELLATE
COURT FROM ANY THEREOF, IN ANY ACTION OR PROCEEDING ARISING OUT OF OR RELATING
TO THIS GUARANTY. EACH OF THE PARTIES HERETO HEREBY IRREVOCABLY WAIVES, TO THE
FULLEST EXTENT PERMITTED BY LAW, THE DEFENSE OF AN INCONVENIENT FORUM TO THE
MAINTENANCE OF SUCH ACTION OR PROCEEDING IN ANY SUCH COURT.

     9. Delay and Waiver. No failure or delay by Hann in exercising any of its
        ----------------
rights hereunder in any instance shall constitute a waiver thereof in that or
any other instance. Hann will not in any instance be deemed to have waived any
of its rights except by an instrument in writing signed by it.

     10. Notices. All notices to a party shall be in writing and shall be deemed
         -------
to have been duly received when delivered by hand or sent by confirmed
facsimile, or two (2) days after being mailed by certified mail, return receipt
requested, to such party at its address set forth below or such other address as
such party may specify by notice to the other party hereto.

     If to Guarantor:

          Michael J. Wimmer
          34 Southwood Drive
          Cherry Hill, NJ  08003
          Facsimile:  (856) 262-3121

     If to Auto Lenders:

          Auto Lenders Liquidation Center, Inc.
          1051 North Black Horse Pike
          Williamstown, NJ  08094
          Attention:  Chief Executive Officer
          Facsimile:  (856) 262-3121

     If to Hann:

          Boston Service Company, Inc.
          d/b/a Hann Financial Service Corp.
          One Centre Drive
          Jamesburg, NJ  08831
          Attention:  President
          Facsimile:  (608) 860-9526

<PAGE>

     11. Severability of Provisions. If any one or more of the covenants,
         --------------------------
agreements, provisions or terms of this Guaranty shall be for any reason
whatsoever held invalid, then such covenants, agreements, provisions or terms
shall be deemed severable from the remaining covenants, agreements, provisions
or terms of this Guaranty and shall in no way affect the validity or
enforceability of the other provisions of this Guaranty.

                            [SIGNATURE PAGE FOLLOWS]

<PAGE>

     IN WITNESS WHEREOF, the Guarantor has signed and delivered this Guaranty as
of the date first above written.

                                               /s/ Michael J. Wimmer
                                      ------------------------------------------
                                               Michael J. Wimmer

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