Document:

EXHIBIT 10.3

                              EMPLOYMENT AGREEMENT

      Employment Agreement,  dated as of January 1, 2005, ("Effective Date"), by
and between  Leonard  Neuhaus,  an  individual  with an address at 315 East 72nd
Street, Apt. 18 G/H, New York, New York 10021 ("Executive"),  and Duncan Capital
Financial Group, Inc., a Delaware  corporation with its principal office located
at 830 Third Avenue, New York, New York 10022 (the "Company").

                                    RECITALS

      A. The Company desires to retain  Executive as Chief Financial  Officer of
the Company during the Term (as defined below).

      B.  Executive  desires to be employed by the Company  during the Term, all
upon the terms and conditions set forth herein.

      NOW, THEREFORE, the Company and Executive agree as follows:

1 Engagement;  Duties. Subject to the terms and conditions set forth herein, the
Company shall employ Executive,  and Executive shall serve the Company, as Chief
Financial  Officer  during the Term (as defined in Section 2). In such capacity,
Executive  shall  perform  duties  and be  assigned  responsibilities  that  are
customary for a person  serving in such  capacities  for an entity  engaged in a
business  similar to that of the  Company as may be assigned to him from time to
time by the Board of Directors of the Company.  During the Term,  the  Executive
shall  report to the Chief  Executive  Officer and the Board of Directors of the
Company.  During the Term, Executive shall promote the interests of the Company,
shall  perform  his duties  faithfully  and  diligently,  consistent  with sound
business practices and shall devote his full business time to the performance of
his  duties for the  Company  in  accordance  with the terms  hereof,  except as
otherwise  may  be  approved  in  writing  by  the  Chief   Executive   Officer.
Notwithstanding the foregoing,  the parties acknowledge and agree that Executive
may spend a portion of his business time as an advisor to the board of directors
of an unaffiliated  company for which he presently performs  services,  provided
that,  and only for so long as, such duties do not  interfere  with,  or present
conflict of interest issues with respect to,  Executive's  duties to the Company
hereunder as determined in good faith by the Board of Directors of the Company.

2 Term.  Unless this Agreement is terminated  pursuant to Section 5, the term of
this Agreement ("Term") shall be for a period of one (1) year from the Effective
Date and shall expire on December 31, 2005.

3 Compensation. As consideration for the performance by Executive of Executive's
obligations under this Agreement, the Company shall pay Executive as follows:

      (A) During the Term,  the Company shall pay Executive a base salary at the
rate of One Hundred Seventy Five Thousand  ($175,000.00) Dollars per year ("Base
Salary").

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      (B) In addition to the Base Salary,  the Company shall pay  Executive,  if
and when earned by Executive, a bonus ("Bonus") based on Executive's performance
as determined by performance  criteria and  objectives  established by the Chief
Executive  Officer and the Board of Directors or the  compensation  committee of
the Board of Directors, but which bonus shall in no event exceed the Base Salary
in effect at the time of the determination of such Bonus.

      (C) The Base  Salary  shall be payable in  accordance  with the  Company's
normal monthly  payroll run. The Bonus,  if any, shall be paid within sixty (60)
days of the end of each  fiscal  year.  If the  Bonus  is based  upon  financial
results for the fiscal year and such  results  are not known  within  sixty (60)
days of the end of the fiscal  year,  then eighty (80%) of the  projected  Bonus
shall be paid  within  sixty  (60) days of the end of such  fiscal  year and the
balance  shall be  payable  within  thirty  (30)  days of  delivery  of  audited
financial  statements.  The  Company  shall  deduct from the Base Salary and any
Bonus  any  federal,   state  or  local  withholding   taxes,   social  security
contributions  and any other  amounts  which may be  required  to be deducted or
withheld by the Company  pursuant to any federal,  state or local laws, rules or
regulations.

4 Reimbursement of Expenses; Fringe Benefits.

      (A)  Expenses.  The Board of Directors  of the Company  will  authorize an
expense budget for Executive commensurate with reasonable business requirements,
including reimbursement for reasonable travel and entertainment expenses. During
the Term,  the Company  shall  reimburse  Executive  for ordinary and  necessary
business expenses incurred by Executive in the performance of Executive's duties
on behalf of the Company, provided, however, that such expenses were incurred in
the  furtherance  of the  Company's  business in  accordance  with the foregoing
budget, and that Executive presents evidence of such expenses as may be required
under the policies of the Company as are then in effect.

      (B) Fringe Benefits. During the Term, Executive shall be entitled to those
fringe  benefits and  perquisites  that are provided to other  executives of the
Company  generally,  including  any health or other  insurance,  pension  and/or
retirement plan (including 401k) or welfare plan, as and when such benefit plans
are  established.  The foregoing  shall not require the Company to establish any
such plan or program solely for Executive's benefit.

      (C) Directors' and Officers'  Liability  Insurance.  The Company shall use
reasonable  commercial efforts to procure directors' and officers'  insurance in
such form and providing  such coverage for  Executive,  in his capacity as Chief
Financial  Officer  of the  Company,  as is  customary  for  similarly  situated
executives serving in similar  capacities,  provided only that the costs of such
coverage  are not  substantially  greater  than  those at  companies  engaged in
similar business activities.

      (D)  Vacation.  Executive  shall be entitled to twenty (20) paid  vacation
days during each year of the Term at such times as are  mutually  agreed upon by
Executive and Company.

      (E)  Warrant.  Upon the  execution  and  delivery of this  Agreement,  the
Executive shall be granted a warrant  ("Warrant") to purchase  313,200 shares of
the Company's  common stock,  representing 2% of the sum of (i) number of shares
of the Company's common stock issued

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<PAGE>

and outstanding on the date hereof  (11,740,000)  plus (ii) the number of shares
of the  Company's  common stock  issuable  upon the  conversion of the Company's
Series A Preferred  Stock on the date hereof  (3,920,000),  at an exercise price
per share equal to One-Sixth of One Dollar  ($0.1666...),  as adjusted from time
to time to reflect stock dividends,  stock splits,  reorganizations  and similar
adjustments  customarily included in common stock warrants. The Warrant shall be
exercisable  at  any  time,   and  shall  vest  in  twenty-four   equal  monthly
installments  commencing  February 1, 2005 or, if sooner, upon any sale or other
disposition  of all or  substantially  all of the  Company's  assets,  or upon a
merger, consolidation,  reorganization or other similar transaction resulting in
a change of control  of the  Company's  business.  Any  unvested  portion of the
Warrant  and  any  vested  but   unexercised   portion  of  the  Warrant   shall
automatically  become null and void and shall  automatically  terminate upon the
termination of Executive's  employment hereunder for Cause (as defined below) or
upon Executive's  voluntary  termination of his employment  hereunder other than
for Good  Reason  (as  defined  below).  Upon  the  termination  of  Executive's
employment due to death, Disability (as defined below) or by the Company without
Cause, any unvested portion of the Warrant shall  automatically  become null and
void and shall terminate and any vested and  unexercised  portion of the Warrant
shall be  exercisable  for a period not less than ninety (90) days following the
date of  termination  of  employment.  In the event of any conflict  between the
terms and  provisions of this  Agreement and those of the Warrant,  the terms of
the Warrant shall govern and be controlling.

      (F) Options.  Provided  that  Executive  is then  employed by the Company,
stock  options may be granted to Executive at the end of each  calendar  year of
employment  based on the success of the Company's  business in  accordance  with
criteria  established  by, and at the sole discretion of, the Board of Directors
of the Company.

5 Termination.  The Company may terminate this Agreement upon Executive's death,
and may  terminate  this  Agreement  at any  earlier  time at the  option of the
Company  due to  Executive's  Disability  (as  defined  below)  or for Cause (as
defined  below).  Executive  may  terminate  this  Agreement for Good Reason (as
defined below).

      (A) As used in this Agreement:

            (i)  The  term   "Disability"   means  the  inability  of  Executive
substantially  to perform his duties and  obligations  under this  Agreement for
sixty  (60)  consecutive  days or  sixty  (60)  days in any one  hundred  twenty
(120)-day period because of any mental or physical incapacity.

            (ii) The term "Cause"  means (A) any act by Executive  that damages,
in any material respect, the reputation,  business or business  relationships of
the Company,  (B) any action by Executive  that  constitutes a fraud against the
Company,  (C) the  conviction  of  Executive  of a crime  (other  than a traffic
violation),  (D)  Executive's  refusal or failure  to  perform  his duties  that
continues without cure for a period of thirty (30) days after the notice of such
refusal or failure is given by the  Company to  Executive,  or (E) any  material
breach by Executive of this Agreement or any other agreement  between  Executive
and the  Company,  or any  Affiliate  (as defined  below) of the  Company,  that
continues  without  cure for a period of thirty  (30) days after  notice of such
breach is given by the Company to Executive.

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<PAGE>

            (iii) The term "Good Reason" means (A) any material reduction in the
Base Salary or duties and  responsibilities  of  Executive  or (B) any  material
breach by the Company of this Agreement or any other agreement between Executive
and the Company,  or any Affiliate of the Company,  that continues  without cure
for a period  of  thirty  (30)  days  after  notice  of such  breach is given by
Executive to the Company.

            (iv) The term  "Termination  Date"  shall  mean the  earlier  of the
expiration of this Agreement or the effective date of the Company's  termination
of this Agreement.

      (B) Payments to Executive Upon Termination of This Agreement.

            (i)  In  the  event  this  Agreement  is  terminated  prior  to  the
expiration of the Term by the Company  without  Cause,  or by Executive for Good
Reason, the Company shall pay to Executive the amounts set forth in this Section
5(B)(i):  (a) an amount equal to (i) Executive's  accrued but unpaid Base Salary
through the Termination Date, payable within thirty (30) days of the Termination
Date,  and (ii) any  remaining  unpaid Bonus for the prior fiscal year,  payable
within thirty (30) days of the Termination Date or, if not determined as of that
date, then in accordance  with Section 3(C) hereof;  (b)  reimbursement  for any
reimbursable  business expenses incurred in accordance with this Agreement prior
to the  Termination  Date,  payable  within thirty (30) days of the  Termination
Date;  (c) an amount equal to (i)  Executive's  Base Salary for the remainder of
the Term,  payable  within thirty (30) days of the  Termination  Date,  and (ii)
Executive's Bonus for the period ending on the Termination Date, calculated on a
pro rata basis based on the number of days that the  Executive  was  employed by
the Company prior to the  Termination  Date,  payable within thirty (30) days of
the  Company's  determination  thereof  following the end of such fiscal year in
accordance  with Section 3(C) hereof;  and (d) any amounts or benefits due under
this  Agreement and any benefit  plan,  or program  through the remainder of the
Term in  accordance  with  the  terms  of  said  plan or  program,  but  without
duplication.

            (ii)  In  the  event  this  Agreement  is  terminated  prior  to the
expiration of the Term by the Company for Cause or due to  Executive's  death or
Disability,  the Company  shall pay to  Executive  the amounts set forth in this
Section 5(B)(ii) within thirty (30) days of the Termination  Date: (a) an amount
equal to  Executive's  accrued but unpaid Base Salary  prior to the  Termination
Date; (b)  reimbursement  for any  reimbursable  business  expenses  incurred in
accordance  with  this  Agreement  prior to the  Termination  Date;  and (c) any
amounts or benefits due through the  Termination  Date under this  Agreement and
any  benefit  plan,  or  program  in  accordance  with the terms of said plan or
program, but without duplication.

            (iii) As  consideration  for the  payments  under  Section  5(B)(i),
Executive  shall  execute  and  deliver to the  Company a release of any and all
claims  against the Company  (excluding any claim for such payments) in form and
substance reasonably satisfactory to the Company.

6 Non-Disclosure; Non-Competition and Non-Solicitation.

      (A) Non-Disclosure.  Executive understands and agrees that the business of
the

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Company  is  based  upon  specialized  work  and  Confidential  Information  (as
hereinafter   defined).   Executive   agrees  that  he  shall  keep  secret  all
Confidential  Information and that he will not, directly or indirectly,  use for
his own  benefit  or for the  benefit  of others nor  Disclose  (as  hereinafter
defined),  without the prior written  consent of the Company,  any  Confidential
Information.  At any time upon the  Company's  request  and upon  expiration  or
earlier termination of this Agreement,  Executive shall turn over to the Company
all books, notes,  memoranda,  manuals,  notebooks,  records and other documents
made,  compiled by,  delivered to, or in the  possession or control of Executive
containing  or concerning  any  Confidential  Information,  including all copies
thereof,  in any form or format,  including  any computer  hard disks,  wherever
located,  containing any such information, it being agreed that the same and all
information  contained  therein are at all times the  exclusive  property of the
Company. The provisions of this Section 6(A) shall survive for a period of three
(3) years following the Termination Date.

      As used in this Agreement,  the term "Confidential  Information" means any
information or compilation of information  not generally  known to the public or
the industry, that is proprietary or confidential to the Company, its Affiliates
and/or those doing  business with the Company and/or its  Affiliates,  including
but  not   limited   to   know-how,   process,   techniques,   methods,   plans,
specifications,  trade secrets,  patents,  copyrights,  supplier lists, customer
lists,  mailing lists,  financial  information,  business plans and/or policies,
methods  of  operation,  sales and  marketing  plans  and any other  information
acquired or developed by Executive in the course of his past, present and future
dealings  with  the  Company,  which is not  readily  available  to the  public.
"Confidential  Information"  shall not include  information  that  Executive can
demonstrate  was  known  to him  prior  to the  Effective  Date or that was made
available to Executive by a third party without obligation of confidentiality.

      As used in this Agreement,  the term "Disclose" means to reveal,  deliver,
divulge, disclose, publish, copy, communicate,  show, allow or permit access to,
or otherwise make known or available to any third party, any of the Confidential
Information.

      (B) Non-Competition;  Non-Solicitation.  Commencing on the date hereof and
ending on the first  anniversary  of the date of  Executive's  termination  from
employment  with the  Company  or any  Affiliate  thereof,  or if  Executive  is
terminated  without Cause or resigns for Good Reason,  ending on the last day of
the period for which  Executive  receives  severance pay under  Section  5(B)(i)
hereof (in either  event,  the  "Restricted  Period"),  Executive  covenants and
agrees that he will not, without the Company's prior written  consent,  directly
or indirectly, either on behalf of himself or on behalf of any business venture,
as an employee, consultant, partner, principal,  stockholder, officer, director,
trustee,  agent,  or  otherwise  (other  than on  behalf of the  Company  or its
Affiliates):

            (i)  be  employed  by,  engage  or  participate  in  the  ownership,
management,  operation or control of, or act in any advisory, expert, consulting
or other  capacity for, any entity or individual  that competes with the Company
in the areas of pension  administration,  insurance product sales and investment
advisory  services  in  the  geographical  area  of New  York  and  New  England
(provided,  however,  that  notwithstanding  the  foregoing,  Executive may make
solely  passive  investments  in such a competing  entity,  the common equity of
which  is  "publicly  held"  and of which  Executive  shall  not own or  control
securities  which  constitute more than one percent (1%) of the voting rights or
equity ownership of such entity);

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<PAGE>

            (ii) solicit or divert any business or any customer from the Company
or its  Affiliates or assist any person,  firm,  corporation  or other entity in
doing so or attempting to do so;

            (iii)  cause or seek to cause any  person,  firm or  corporation  to
refrain from dealing or doing  business  with the Company or its  Affiliates  or
assist any person, firm, corporation or other entity in doing so; or

            (iv) hire,  solicit or divert from the Company or its Affiliates any
of their  respective  employees,  consultants  or agents  who have,  at any time
during the immediately preceding one (1) year period from the date hereof or the
Restricted Period, been engaged by the Company or its Affiliates, nor assist any
person, firm, corporation or other entity in doing so.

      As used in this  Agreement,  the term  "Affiliates"  shall mean any entity
controlling,  controlled by or under the common control of the Company.  For the
purpose of this Agreement, "control" shall mean the direct or indirect ownership
of fifty (50%) percent or more of the outstanding  shares or other voting rights
of an entity or possession,  directly or  indirectly,  of the power to direct or
cause the direction of management and policies of an entity.

      (C) Injunctive Relief. If Executive shall breach or threaten to breach any
of the  provisions  of Section  6(A)  and/or  Section  6(B),  in addition to and
without  limiting any other  remedies  available to Company at law or in equity,
the Company  shall be entitled to  immediate  injunctive  relief in any court to
restrain any such breach or threatened  breach and to enforce the  provisions of
Section 6(A) and/or Section 6(B), as the case may be. Executive acknowledges and
agrees that there is no adequate remedy at law for any such breach or threatened
breach  and,  in the event that any  proceeding  is brought  seeking  injunctive
relief,  Executive  shall not use as a defense thereto that there is an adequate
remedy at law.

7  Indemnification.  The  Company  shall  defend,  indemnify  and hold  harmless
Executive  in his  capacity  as an officer  and  director  of the Company to the
fullest  extent  permitted  by  applicable  law  against  any  losses or damages
incurred by Executive in connection with any action, suit or proceeding to which
Executive  may be made a party by reason of his being or having  been an officer
or director of the Company,  or because of actions taken by Executive which were
believed  by  Executive  to be in the best  interests  of the Company and not in
violation of applicable  law, and  Executive  shall be entitled to be covered by
any  directors'  and officers'  liability  insurance  policies which the Company
maintains  for  the  benefit  of its  directors  and  officers,  subject  to the
limitations  of any such  policies.  The Company shall have the right to assume,
with  legal  counsel  of its  choice,  who  shall be  reasonably  acceptable  to
Executive,  the defense of Executive in any such action,  suit or proceeding for
which the Company is providing  indemnification  to Executive.  Should Executive
determine  to  employ  separate  legal  counsel  in any  such  action,  suit  or
proceeding,  any costs and expenses of such separate  legal counsel shall be the
sole responsibility of Executive.  If the Company does not assume the defense of
any such action,  suit or  proceeding,  the Company  shall,  upon the request of
Executive,  promptly advance or pay any amount for costs or expenses,  including
the reasonable fees of counsel  retained by Executive,  incurred by Executive in
connection with such action, suit or proceeding;  provided that Executive agrees
in writing to repay any such amounts advanced if it is ultimately  determined by
the Company that  Executive is not entitled to such  indemnification.  Executive
shall be  entitled  to  indemnification  under  this  clause  regardless  of any
subsequent  amendment  of the  Certificate  of  Incorporation  or By-Laws of the
Company.

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<PAGE>

8 Representation and Warranty of Executive. Executive represents and warrants to
Company that the execution and delivery of this Agreement and the performance of
Executive's  obligations  pursuant hereto shall not conflict with or result in a
breach  of  any  provisions  of  any  (a)  agreement,  commitment,  undertaking,
arrangement or understanding to which Executive is a party or by which Executive
is bound; or (b) order, judgment or decree of any court or arbitrator.

9 General Provisions.

      (A) Notices.  All notices and other  communications  under this  Agreement
shall be in  writing  and may be  given  by  personal  delivery,  registered  or
certified  mail,   postage  prepaid,   return  receipt  requested  or  generally
recognized overnight delivery service.  Notices shall be sent to the appropriate
party at that party's  address set forth above or at such other address for that
party as shall be specified by notice given under this Section. All such notices
and  communications  shall be deemed  received  upon (a)  actual  receipt by the
addressee  or (b) actual  delivery to the  appropriate  address.  Notices to the
Company  hereunder  shall be sent as follows:  Duncan Capital  Financial  Group,
Inc., 830 Third Avenue, New York, NY 10022, Attention:  Chief Executive Officer,
and to: Cohen Tauber  Spievack & Wagner LLP, 420 Lexington  Avenue,  Suite 2400,
New York, NY 10170, fax no. 212 586 5095, attention: Adam Stein, Esq.

      (B)  Assignment.  This  Agreement  shall be binding upon, and inure to the
benefit of, the parties' respective successors, permitted assigns, and heirs and
legal representatives.  This Agreement shall be assigned to, and thereupon shall
inure to the benefit of, any organization which succeeds to substantially all of
the   business  or  assets  of  the   Company,   whether  by  means  of  merger,
consolidation,  acquisition  of all or  substantially  all of the  assets of the
Company or otherwise,  including,  without limitation, by operation of law. This
Agreement is a personal  services  contract and may not be assigned by Executive
nor may the duties of Executive hereunder be delegated by Executive to any other
person.

      (C) Severability.  If any provision of this Agreement,  or the application
of any provision to any person or  circumstance,  shall for any reason or to any
extent be invalid or  unenforceable,  the  remainder of this  Agreement  and the
application  of that  provision to other persons or  circumstances  shall not be
affected, but shall be enforced to the full extent permitted by law.

      (D) No Waiver.  The failure of a party to insist upon strict  adherence to
any term of this  Agreement on any occasion  shall not be considered a waiver or
deprive that party of the right  thereafter  to insist upon strict  adherence to
that term or any other term of this Agreement. Any waiver must be in writing.

      (E) Governing Law;  Arbitration.  This Agreement  shall be governed by and
construed in  accordance  with the laws of the State of New York  applicable  to
agreements made and to be performed in that state,  without regard to any of its
principles  of  conflicts  of  laws or  other  laws  that  would  result  in the
application  of the  laws of  another  jurisdiction.  This  Agreement  shall  be
construed and interpreted  without regard to any  presumption  against the party
causing this Agreement to be drafted. Each of the parties hereby unconditionally
and  irrevocably  waives  the  right to a trial by jury in any  action,  suit or
proceeding arising out of or relating to this Agreement

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<PAGE>

or the transactions  contemplated  hereby.  All disputes  relating in any way to
this Agreement shall be resolved  exclusively through  arbitration  conducted in
accordance  with the  Commercial  Arbitration  Rule of the American  Arbitration
Association  as then in effect.  The  arbitration  hearing  shall be held in New
York, New York and shall be before a single  arbitrator  selected by the parties
in accordance with the Commercial  Arbitration Rules of the American Arbitration
Association  pursuant to its rules on selection of  arbitrators.  Any arbitrator
selected  shall have  reasonable  experience  as an  arbitrator  relating to the
dispute at issue. The arbitrator shall render a formal,  binding  non-appealable
resolution  and award on each issue as  expeditiously  as possible  but not more
than thirty days after the hearing.  All discovery disputes shall be resolved by
the arbitrator. The parties shall use all reasonable efforts to keep arbitration
costs to a minimum.

      (F) Counterparts.  This Agreement may be executed in counterparts, both of
which  shall  be  considered  an  original,  but both of  which  together  shall
constitute the same instrument.

      (G) Entire  Agreement;  Amendment.  This  Agreement  contains the complete
statement  of all the  arrangements  between  the  parties  with  respect to its
subject  matter,  supersedes all prior  agreements  between them with respect to
that subject matter,  and may not be changed or terminated orally. Any amendment
or modification must be in writing and signed by the party to be charged.

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

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<PAGE>

      IN WITNESS WHEREOF,  the parties hereto have executed this Agreement as of
the date first set forth above.

                                            DUNCAN CAPITAL FINANCIAL GROUP, INC.

                                            By:
                                               ---------------------------------
                                            Name:
                                            Title:

                                            ------------------------------------
                                            LEONARD NEUHAUS

                 [SIGNATURE PAGE - NEUHAUS EMPLOYMENT AGREEMENT]

                                       9Exhibit 10.1

 

CHANGE IN CONTROL AGREEMENT

 

Change In Control Agreement (this “Agreement”) effective as of March 1, 2005 by and between Harvey F. Milman (“Executive”) and Drew Industries Incorporated, a Delaware corporation (the “Company”). 

WHEREAS, the Executive has been appointed Vice President-Chief Legal Officer of the Company; and

WHEREAS, the Company recognizes that  in connection with the appointment Executive has terminated the private practice of law; and the Company wishes to assure Executive’s continued employment with the Company; and

WHEREAS, the Company believes that it is in the best interest of the Company and its stockholders to foster Executive’s objectivity in making decisions with respect to any pending or threatened Change in Control (as hereinafter defined) of the Company and to assure that the Company will have the continued dedication and availability of Executive notwithstanding the possibility, threat or occurrence of a Change in Control; and the Company believes that these goals can best be accomplished by alleviating certain of the risks and uncertainties with regard to Executive’s financial and professional security that would be created by a pending or threatened Change in Control and that inevitably would distract Executive and could impair his ability to objectively perform his duties for and on behalf of the Company. Accordingly, the Company believes that it is appropriate and in the best
interest of the Company and its stockholders to provide to Executive compensation arrangements upon a Change in Control that mitigate Executive’s financial risks and uncertainties and that are reasonably competitive with those of other companies. 

NOW, THEREFORE, in consideration of the foregoing, and for other good and valuable consideration the receipt of which is hereby acknowledged, it is hereby agreed as follows:

	
            1.
 	
            TERM OF AGREEMENT
 

This Agreement shall be effective from the date hereof and, subject to the provisions of Section 4, shall extend to (and thereupon automatically terminate) one (1) day after Executive’s termination of employment with the Company for any reason. No termination of this Agreement shall limit, alter or otherwise affect Executive’s rights hereunder with respect to a Change in Control which has occurred prior to such termination, including without limitation Executive’s right to receive the benefits provided herein.

	
            2.
 	
            PURPOSE OF AGREEMENT
 

The purpose of this Agreement is to provide that, in the event of a Change in Control, Executive may become entitled to receive certain benefits, as described herein, in the event of his termination under specified circumstances. 

 

 

 

	
            3.
 	
            CHANGE IN CONTROL
 

As used in this Agreement, the phrase “Change in Control” shall mean: 

3.1              Except as provided in Section 3.3 hereof, the acquisition by any person, entity or “group”, within the meaning of Section 13(d)(3) or 14(d)(2) of the Securities Exchange Act of 1934, as amended (the “Exchange Act”) (excluding, for this purpose, the Company or its subsidiaries, or any executive benefit plan of the Company or its subsidiaries which acquires beneficial ownership of voting securities of the Company), of beneficial ownership (within the meaning of Rule 13d-3 promulgated under the Exchange Act) of thirty percent (30%) or more of either the then outstanding shares of common stock or the combined voting power of the Company’s then outstanding voting securities entitled to vote generally in the election of directors (the
“Voting Securities”); or 

3.2              Edward W. Rose, III shall cease for any reason to beneficially own at least ten percent ( 10%) of the Voting Securities, or

3.3              Approval by the stockholders of the Company of a reorganization, merger or consolidation with any other person, entity or corporation, other than 

3.3.1          a merger or consolidation which would result in the Voting Securities outstanding immediately prior thereto continuing to represent (either by remaining outstanding or by being converted into voting securities of another entity) more than fifty percent (50%) of the combined voting power of the Voting Securities of the Company or such other entity outstanding immediately after such merger or consolidation, or 

3.3.2          a merger or consolidation effected to implement a recapitalization of the Company (or similar transaction) in which no person, entity or group acquires twenty-five percent (25%) or more of the combined voting power of the Company’s then outstanding Voting Securities; or 

3.4              Approval by the stockholders of the Company of a plan of complete liquidation of the Company or a sale or other disposition by the Company of all or substantially all of the Company’s assets in one transaction or a series of transactions.

	
            4.
 	
            EFFECT OF A CHANGE IN CONTROL
 

In the event of a Change in Control, Sections 6 through 11 of this Agreement shall become applicable to Executive. The provisions of these Sections shall remain applicable until the second anniversary of the date upon which the Change in Control occurs. On such second anniversary date, and provided that the employment of Executive has not been terminated on account of a Qualifying Termination (as defined herein), this Agreement shall terminate and be of no further force or effect. 

	
            5.
 	
            QUALIFYING TERMINATION
 

If within six (6) months following a Change in Control, Executive voluntarily terminates his employment with the Company (“Voluntary Termination”), or if within one (1) year following, or within one hundred twenty (120) days prior to, a Change in Control, 

 

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Executive’s employment with the Company is terminated (“Involuntary Termination”), either of such terminations shall be conclusively considered a “Qualifying Termination” unless: 

5.1              The Executive voluntarily terminates his employment on a date that is more than six (6) months after the Change in Control; provided, however, that Executive shall not be considered to have voluntarily terminated his employment with the Company if, following, or within one hundred twenty (120) days prior to, the Change in Control, (i) Executive’s overall compensation is reduced or adversely modified in any material respect, or (ii) his authority or duties are materially changed and he elects to terminate his employment within sixty (60) days following such reduction, modification or change. Executive’s authority or duties shall conclusively be considered to have been “materially changed” if, without Executive’s express and voluntary written
consent, there is any substantial diminution or adverse modification in Executive’s title, status, overall position, responsibilities, reporting relationship, general working environment (including without limitation secretarial and staff support, offices, and frequency and mode of travel), or if, without Executive’s express and voluntary written consent, Executive’s job location is transferred to a site more than fifty (50) miles away from his residence. Executive’s authority and duties shall conclusively be considered to have been “materially changed” if, without Executive’s express and voluntary written consent, Executive no longer holds the same title or no longer has the same authority and responsibilities or no longer has the same reporting responsibilities, in each case with respect and as to a publicly held parent company which is not controlled by another entity or person, or

5.2              The termination is on account of Executive’s death or Disability. For such purposes, “Disability” shall mean a physical or mental incapacity as a result of which Executive becomes unable to continue the performance of his responsibilities for the Company and its affiliated companies and which, at least three (3) months after its commencement, is determined to be total and permanent by a physician agreed to by the Company and Executive (or Executive’s legal representative). In the absence of agreement between the Company and Executive, each party shall nominate a qualified physician and the two physicians so nominated shall select a third physician who shall make the determination as to Disability, or

5.3              An Involuntary Termination occurs for “Cause.” For this purpose, “Cause” shall be limited to the following:

5.3.1          the refusal of Executive to comply with a lawful, written instruction of the Board of Directors or Executive’s immediate supervisor, which refusal is not remedied by Executive within a reasonable period of time after his receipt of written notice from the Company identifying the refusal, so long as the instruction is consistent with the scope and responsibilities of Executive’s position prior to the Change in Control; or

5.3.2          an act or acts of personal dishonesty by Executive which were intended to result in substantial personal enrichment of Executive at the expense of the Company or any of its affiliated companies; or 

5.3.3          Executive’s conviction of any misdemeanor involving an act of moral turpitude or any felony. 

 

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            6.
 	
            SEVERANCE PAYMENT
 

6.1              Subject to Section 6.2 hereof, if Executive’s employment is terminated as a result of a Qualifying Termination, the Company shall pay Compensation (as hereinafter defined) to Executive (A) in the event of an Involuntary Termination, for the two (2) years following the Qualifying Termination, or (B) in the event of a Voluntary Termination, for one (1) year following the Qualifying Termination, in either event in accordance with the Company’s customary payroll practice (the “Severance Payment”). Such payments shall commence on a date that is not earlier than one day after six months following the Qualifying Termination (or if earlier upon his death).

6.2              During the second year following an Involuntary Termination, the Severance Payment payable by the Company to Executive shall be reduced by an amount equal to the compensation and other benefits received by Executive during either of such periods from other employment or business activities.

6.3              For purposes of this Agreement, Executive’s “Compensation” shall equal the sum of (i) Executive’s salary at the annual rate applicable on the date of the Qualifying Termination, plus (ii) a “Bonus Increment.” The Bonus Increment shall equal the annualized average of all bonuses and incentive compensation payments paid to Executive during the three (3) year period immediately before the date of the Change of Control under all of the Company’s bonus and incentive compensation plans or arrangements as disclosed in the Company’s annual Proxy Statement.

6.4              The Severance Payment hereunder is in lieu of any severance payment that Executive might otherwise be entitled to from the Company in the event of a Change in Control under the Company’s applicable severance pay policies, if any, or under any other oral or written agreement.

	
            7.
 	
            ADDITIONAL BENEFITS
 

7.1              In the event of a Qualifying Termination, any and all unvested stock options of Executive shall immediately become fully vested and exercisable. 

7.2              In the event of a Qualifying Termination, Executive shall be entitled to continue to participate in the following executive benefit programs which had been made available to Executive (including his immediate family) and at the same level before the Qualifying Termination: group medical insurance, group-term life insurance and disability insurance, use of automobile provided by the Company, and long-term care insurance. These programs shall be continued at no cost to Executive, except to the extent that tax rules require the inclusion of the value of such benefits in Executive’s income. The programs shall continue for Executive’s benefit for two (2) years after the date of the Qualifying Termination; provided, however, that Executive’s participation
in each of such programs shall be earlier terminated or reduced, as applicable, if and to the extent Executive receives benefits as a result of concurrent coverage through another program.

 

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            8.
 	
            RIGHTS AND OBLIGATIONS PRIOR TO A CHANGE IN CONTROL
 

Prior to the date which is one hundred twenty (120) days before a Change in Control, the rights and obligations of Executive with respect to his employment by the Company shall be determined in accordance with the policies and procedures adopted from time to time by the Company and the provisions of any written employment contract in effect between the Company and Executive from time to time. Unless otherwise expressly set forth in a separate written employment agreement between Executive and the Company, the employment of Executive is expressly at-will, and Executive or the Company may terminate Executive’s employment with the Company at any time and for any reason, with or without cause, provided that if such termination occurs within one hundred twenty (120) days prior to or one (1) year after a Change in Control and constitutes a Qualifying Termination the provisions of this
Agreement shall govern the payment of the Severance Payment and the other benefits as provided herein. 

	
            9.
 	
            NON-EXCLUSIVITY OF RIGHTS
 

Nothing in this Agreement shall prevent or limit Executive’s continuing or future participation in any benefit, bonus, incentive or other plan or program provided by the Company or any of its affiliated companies and for which Executive may qualify, nor shall anything herein limit or otherwise affect such rights as Executive may have under any stock option or other agreements with the Company or any of its affiliated companies. Except as otherwise provided in Section 6.3 hereof, amounts which are vested benefits or which Executive is otherwise entitled to receive under any plan or program of the Company or any of its affiliated companies at or subsequent to the date of any Qualified Termination shall be payable in accordance with such plan or program. 

	
            10.
 	
            FULL SETTLEMENT
 

The Company’s obligation to pay the Severance Payment and other benefits provided for in this Agreement and otherwise to perform its obligations hereunder (i) shall not be affected by any set-off, counter-claim, recoupment, defense or other claim, right or action which the Company may have against Executive or others, and (ii) are subject to receipt by the Company of a duly executed and acknowledged Waiver and Release in the form attached hereto as Exhibit A. In no event shall Executive be obligated to seek other employment or to take any other action by way of mitigation of the amounts payable to Executive under any of the provisions of this Agreement. The Company agrees to pay, to the full extent permitted by law, all legal fees and expenses which Executive may reasonably incur as a result of Executive’s successful collection efforts to receive amounts payable hereunder.

	
            11.
 	
            SUCCESSORS.
 

11.1           This Agreement is personal to Executive, and without the prior written consent of the Company shall not be assignable by Executive other than by will or the laws of descent and distribution. This Agreement shall inure to the benefit of and be enforceable by Executive’s legal representatives.

 

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11.2           The rights and obligations of the Company under this Agreement shall inure to the benefit of and shall be binding upon the successors and assigns of the Company. 

	
            12.
 	
            GOVERNING LAW
 

12.1           This Agreement is made and entered into in the State of New York, and the internal laws of New York shall govern its validity and interpretation in the performance by the parties hereto of their respective duties and obligations hereunder.

12.2           Each party hereto hereby irrevocably submits to the exclusive jurisdiction of the United States District Court located in White Plains, New York over any suit, action or proceeding arising out of or relating to this Agreement. Each party hereby irrevocably waives to the fullest extent permitted by law, (i) the right to a trial by jury; (ii) any objection that they may now or hereafter have to the venue of any such suit, action or proceeding brought in any such court; or (iii) any claim that any such suit, action or proceeding has been brought in an inconvenient forum. Final judgement in any suit, action or proceeding brought in any such court shall be conclusive and binding upon each party duly served with process therein and may be enforced in the courts of the jurisdiction of
which either party or any of their property is subject, by a suit upon such judgement.

	
            13.
 	
            MODIFICATIONS
 

This Agreement may be amended or modified only by an instrument in writing executed by all of the parties hereto. The parties agree to amend this Agreement in order to comply with the provisions of Section 409A of the Internal Revenue Code and other guidance regarding said Section.

	
            14.
 	
            NOTICES
 

Any notice or communications required or permitted to be given to the parties hereto shall be in writing and shall be delivered personally or be sent by United States registered or certified mail, postage prepaid and return receipt requested, or by nationally recognized courier, and addressed or delivered as follows, or at such other addresses the party addressed may have substituted by notice pursuant to this Section: 

	
            To the Company:

 
 	
            To Executive:
 
	
            Drew Industries Incorporated
                                200 Mamaroneck Avenue

White Plains, New York, 10601

Attention:  President

 
 	
            Harvey F. Milman

5 Cayuga Road

Scarsdale, NY 10583
 

 

	
            15.
 	
            CAPTIONS
 

The captions of this Agreement are inserted for convenience and do not constitute a part hereof.

 

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            16.
 	
            SEVERABILITY
 

In case any one or more of the provisions contained in this Agreement shall for any reason be held to be invalid, illegal or unenforceable in any respect, such invalidity, illegality or unenforceability shall not affect any other provision of this Agreement, but this Agreement shall be construed as if such invalid, illegal or unenforceable provision had never been contained herein and there shall be deemed substituted for such invalid, illegal or unenforceable provision such other provision as will most nearly accomplish the intent of the parties to the extent permitted by the applicable law. In case this Agreement, or any one or more of the provisions hereof, shall be held to be invalid, illegal or unenforceable within any governmental jurisdiction or subdivision thereof, this Agreement or any such provision thereof shall not as a consequence thereof be deemed to be invalid, illegal or
unenforceable in any other governmental jurisdiction or subdivision thereof. 

	
            17.
 	
            COUNTERPARTS
 

This Agreement may be executed in two or more counterparts, each of which shall be deemed an original, but all of which shall together constitute one in the same Agreement. 

IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be duly executed and delivered effective as of the day and year first written above.

___/s/ Harvey F. Milman_____________

  Harvey F. Milman

 

DREW INDUSTRIES INCORPORATED

 

By:__/s/ Leigh J. Abrams______________

 

Name:_Leigh J. Abrams_______________

 

Title:__President and CEO____________

 

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Exhibit 10.1

 

 

Exhibit A

CHANGE IN CONTROL AGREEMENT

 

Waiver and Release

The attached Waiver and Release Agreement is to be executed by Executive upon the occurrence of a Qualifying Termination under the Change in Control Agreement. 

WAIVER AND RELEASE AGREEMENT

 

This Waiver and Release Agreement (the “Waiver and Release”) is entered into by and among Drew Industries Incorporated, a Delaware corporation (“Drew”) and Harvey F. Milman (“Executive”) this ________ day of ________, 200_. 

	
            1.
 	
            General Waiver and Release
 

For and in consideration of the agreement of the Company to provide Executive the Severance Payment described in the Change in Control Agreement,  effective as of  March 1, 2005, among Executive and the Company (the “Agreement”), Executive, with the intention of binding himself and all of his heirs, executors, administrators and assigns, does hereby release, remise, acquit and forever discharge the Company, and all of its respective past and present officers, directors, stockholders, employees, agents, parent corporations, predecessors, subsidiaries, affiliates, estates, successors, assigns and attorneys (hereinafter collectively referred to as “Released Parties”) from any and all claims, charges, actions, causes of action, sums of money due, suits, debts, covenants, contracts, agreements, rights, damages, promises, demands or liabilities (hereinafter collectively
referred to as “Claims”) whatsoever, in law or in equity, whether known or unknown, suspected or unsuspected, which Executive, individually or as a member of any class, now has, owns or holds or has at any time heretofore ever had, owned or held against the Released Parties including, but not limited to, Claims arising out of or in any way connected with Executive’s employment with the Company or any of the Released Parties or the termination of any such employment relationship, including, but not limited to, Claims pursuant to Federal, state or local statute, regulation, ordinance or common-law for (i) employment discrimination; (ii) wrongful discharge; (iii) breach of contract; (iv) tort actions of any type, including those for intentional or negligent infliction of emotional harm; and (v) unpaid benefits, wages, compensation, commissions, bonuses or incentive payments of any type, except as follows: 

1.1              those obligations of the Company and its affiliates under the Agreement, pursuant to which this Waiver and Release is being executed and delivered;

1.2              claims, if any, for Executive’s accrued or vested benefits under the retirement plans, savings plans, stock options, investment plans and employee welfare benefit plans, if any, of the Released Parties (within the meaning of Section 3(1) of the Employee Retirement Income Security Act of 1974 (“ERISA”)), as amended; provided, however, that nothing herein is intended to or shall be construed to require the Released Parties to institute or continue in effect any particular plan or benefit sponsored by the Released Parties and the 

 

 

 

Company and all other Released Parties hereby reserve the right to amend or terminate any such plan or benefit at any time; and 

1.3              any rights to indemnification or advancement of expenses to which Executive may otherwise be entitled pursuant to the articles of incorporation or bylaws of any of the Released Parties, or by contract or applicable law, as a result of Executive’s service as an officer or director of any of the Released Parties. Executive further understands and agrees that he has knowingly relinquished, waived and forever released any and all remedies arising out of the aforesaid employment relationship or the termination thereof, including, without limitation, claims for backpay, front pay, liquidated damages, compensatory damages, general damages, special damages, punitive damages, exemplary damages, costs, expenses and attorneys’ fees.

	
            2.
 	
            Covenant Not to Sue
 

Executive acknowledges and agrees that this Waiver and Release may not be revoked at any time and that he will not institute any suit, action, or proceeding, whether at law or equity, challenging the enforceability of this Waiver and Release. Should Executive ever attempt to challenge the terms of this Waiver and Release, attempt to obtain an order declaring this Waiver and Release to be null and void, or institute litigation against any of the Released Parties based upon a Claim which is covered by the terms of this Waiver and Release, Executive will as a condition precedent to such action repay all monies paid to him under the terms of the Agreement and this Waiver and Release. Furthermore, if Executive does not prevail in an action to challenge this Waiver and Release, to obtain an order declaring this Waiver and Release to be null and void, or in any action against any of the Released
Parties based upon a Claim which is covered by the Waiver and Release set forth herein, Executive shall pay to the Company and/or the appropriate Released Parties all their costs and attorneys’ fees incurred in their defense of Executive’s action.

	
            3.
 	
            Denial of Liability
 

Executive acknowledges and agrees that neither the payment of the Severance Payment under the Agreement nor this Waiver and Release is to be construed in any way as an admission of any liability whatsoever by the Company or any of the other Released Parties, by whom liability is expressly denied.

	
            4.
 	
            Agreement Not to Seek Further Relief
 

Executive acknowledges and agrees that he has not, with respect to any transaction or state of facts existing prior to the date of execution of this Waiver and Release, filed any complaints, charges or lawsuits against any of the Released Parties with any governmental agency or any court or tribunal, with respect to any Claims related to Executive’s employment or the termination thereof as provided in Section 1 hereof, and that he will not do so at any time hereafter. Executive further acknowledges and agrees that he hereby waives any right to accept any relief or recovery, including costs and attorneys’ fees, that may arise from any charge or complaint before any Federal, state or local court or administrative agency against the Released Parties.

 

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            5.
 	
            Company Property
 

Executive agrees that he will not retain or destroy, and will immediately return to the Company, any and all property of the Company in his possession or subject to his control, including, but not limited to, keys, credit and identification cards, personal items or equipment provided for his use, customer files, and information, all other files and documents relating to the Company and its business, together with all written or recorded materials, documents, computer disks, plans, records or notes or other papers belonging to the Company. Executive further agrees not to make, distribute or retain copies of any such information or property.

	
            6.
 	
            Non-Competition
 

6.1              During the period beginning with and ending on the earlier of (i)  six (6) months from the date of a Qualifying Termination, or (ii) the final installment of the Severance Payment as provided in the Agreement (the “Restricted Period”), the Executive shall not, directly or indirectly, undertake or perform services in or for, or render services to, participate in, or have any financial interest in, or engage in, any business competitive to that of the business of the Company or its subsidiaries or affiliates (collectively, the “Affiliated Companies”) or solicit for employment or employ any employee of the Company or the Affiliated Companies. For purposes hereof, a business shall be deemed competitive if it is conducted in any geographic or market
area in which the Company or any of the Affiliated Companies are engaged in business during the Restricted Period and involves the development, design, manufacture, marketing, packaging, sale or distribution of any products developed, designed, manufactured sold or distributed, or the offering of any services offered, by the Company or any of the Affiliated Companies; and the Executive shall be deemed directly or indirectly to engage in such business if he, or any member of his immediate family (i.e., his spouse and children and their respective spouses and children) participates in such business, or in any entity engaged in or which owns, such business, as an officer, director, employee, consultant, independent contractor, inventor, product developer, partner, individual proprietor, manager or as an investor who has made any loans, contributed to capital stock or purchased any stock; provided, however, that the Executive will not at any time utilize the names “Drew,”
“Kinro,” “Better Bath,” “Lippert,” “Lippert Components” “Zieman” or “LTM,” or any other names used by the Company or the Affiliated Companies, in any business competitive to that of the business of the Company or any of the Affiliated Companies, or any patent, trademark, tradename, service mark, logo, copyright or similar intellectual property, whether or not registered, of any of the Company or the Affiliated Companies, or any proprietary information of any of the Company or the Affiliated Companies. The foregoing, however, shall not be deemed to prevent the Executive from investing in securities if such class of securities in which the investment is made is listed on a national securities exchange or is of a company registered under Section 12(g) of the Securities Exchange Act of 1934, and such investment represents less than five (5%) per cent of the outstanding securities of such class.

6.2              The Executive agrees that all products, packaging, inventions, designs, patents, patent applications, creations, ideas, techniques, methods, copyrightable materials, software, whether or not registered, or any portions thereof, and any improvements or modifications thereon, and any applications with respect to each of the foregoing, and any know-how or procedures related thereto (whether or not patentable), which relate to the business and products of the Company or the Affiliated Companies, conceived, invented, discovered or 

 

10

 

 

executed by the Executive, whether or not marketed or utilized by the Company or any of the Affiliated Companies, shall be the sole and exclusive property of the Company.

	
            7.
 	
            Confidentiality Agreement
 

Executive acknowledges that the terms of this Waiver and Release are confidential. Accordingly, Executive agrees not to disclose or publish to any person or entity, except as required by law or as necessary to prepare tax returns, the terms and conditions or sums being paid in connection with this Waiver and Release.

	
            8.
 	
            Acknowledgment
 

Executive acknowledges that he has carefully read and fully understands the terms of this Waiver and Release and the Agreement and that this Waiver and Release is executed by Executive voluntarily and is not based upon any representations or statements of any kind made by the Company or any or the other Released Parties as to the merits, legal liabilities or value of his claims. Executive further acknowledges that he has had a full and reasonable opportunity to consider this Waiver Release and that he has not been pressured or in any way coerced into executing this Waiver and Release.

	
            9.
 	
            Choice of Laws
 

9.1              This Waiver and Release and the rights and obligations of the parties hereto shall be governed and construed in accordance with the laws of the State of New York. 

9.2              Each party hereto hereby irrevocably submits to the exclusive jurisdiction of the United States District Court located in White Plains, New York over any suit, action or proceeding arising out of or relating to this Agreement. Each party hereby irrevocably waives to the fullest extent permitted by law, (i) the right to a trial by jury; (ii) any objection that they may now or hereafter have to the venue of any such suit, action or proceeding brought in any such court; or (iii) any claim that any such suit, action or proceeding has been brought in an inconvenient forum. Final judgement in any suit, action or proceeding brought in any such court shall be conclusive and binding upon each party duly served with process therein and may be enforced in the courts of the
jurisdiction of which either party or any of their property is subject, by a suit upon such judgement.

	
            10.
 	
            Severability
 

Except for the waiver and release contained in Section 1 hereof, if any provision of this Waiver and Release is unenforceable or is held to be unenforceable, such provision shall be fully severable, and this Waiver and Release and its terms shall be construed and enforced as if such unenforceable provision had never comprised a part hereof, the remaining provisions hereof shall remain in full force and effect, and the court construing the provisions shall add as a part hereof a provision as similar in terms and effect to such unenforceable provision as may be enforceable, in lieu of the unenforceable provision. In the event that the release contained in Section 1 hereof is unenforceable or is held to be unenforceable, the parties understand and agree that the remaining provisions of this Waiver and Release shall be rendered null and void and that neither party shall have any further
obligation under any provision of this Waiver and Release

 

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            11.
 	
            Entire Agreement
 

This document contains all terms of the Waiver and Release and supersedes and invalidates any previous agreements or contracts regarding the same subject matter. No representations, inducements, promises or agreements, oral or otherwise, which are not embodied herein shall be of any force or effect. 

IN WITNESS WHEREOF, the undersigned acknowledges that he has read this Waiver and Release Agreement and sets his hand and seal this ____ day of ____________, 200_.

 

              Harvey F. Milman            

 

Sworn to and subscribed before me this 

_____ day of ______________, 200_

 

_______________________________

Notary Public

 

My Commission Expires:

 

_____________________

 

 

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