Document:

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                                                                   EXHIBIT 10.20

                              SAFETY HOLDINGS, INC.

                                       October 16, 2001

To the Persons listed on
  Schedule A attached hereto

     Re:  TAX INDEMNITY

Ladies and Gentlemen:

     As you know, Safety Holdings, Inc. (the "COMPANY") and the persons and
entities whose names are set forth on Exhibit A hereto (collectively, the
"MANAGEMENT STOCKHOLDERS" or "INDEMNITEES") propose to enter into that certain
Management Subscription Agreement (the "SUBSCRIPTION AGREEMENT") dated as of
October __, 2001, pursuant to which each Stockholder will (i) subscribe for a
certain number of shares of the Company's Common Stock, par value $0.01 per
share (the "COMMON STOCK"), (ii) tender in consideration of the subscription for
such Common Stock a promissory note executed and delivered by the Stockholder in
favor of the Company (the "NOTES") and/or cash and (iii) enter into a Stock
Pledge Agreement (the "PLEDGE AGREEMENTS") in favor of the Company in order to
secure the payment of amounts due under the Notes. As a condition precedent to
each Stockholder's acquisition of the Common Stock, the Company agrees to the
matters set forth in this letter agreement (the "LETTER AGREEMENT").

1.   DEFINED TERMS. As used in this Letter Agreement, the following terms shall
have the following respective meanings:

     "After-Tax Basis" means, with respect to any payment to be received (to the
extent the receipt of such payment constitutes taxable income to such
recipient), the amount of such payment increased so that, after deduction of the
amount of all Taxes (taking into account any related credits or deductions
claimed in the same or a prior period for which such Taxes are imposed ) with
respect to the receipt by the recipient of such amounts, such increased payment
is equal to the payment otherwise required to be made.

     "Code" means the Internal Revenue Code of 1986, as amended.

     "Final Determination" means the earliest to occur of the following: (i) the
entering of a decision, judgment, decree or other order by any court of
competent jurisdiction, which decision, judgment, decree or other order has
become final (I.E., when

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all appeals allowable hereby and by law have been exhausted by either party to
the action or the time for filing such appeals has expired), (ii) the execution
of a closing agreement under Section 7121 of the Code or similar provision of
state or local law, or any other binding settlement agreement in connection with
an administrative or judicial proceeding, (iii) the expiration of the time for
instituting an initial suit with respect to a claimed deficiency or (iv) the
point in time at which the contest of a proposed adjustment otherwise ends and
payment with respect to such adjustment is required to be made.

     "IRS" means the United States Internal Revenue Service.

     "Required Tax Return Positions" mean the positions that for U.S. federal
income Tax purposes (i) the Common Stock purchased by each Indemnitee
constitutes property transferred to such Indemnitee in connection with the
performance of services pursuant to Section 83(a) of the Code and (ii) the price
paid by each Indemnitee for the Common Stock purchased pursuant to the
Subscription Agreement was equal to the fair market value of the Common Stock on
the date of purchase and, accordingly, each Indemnitee is not required to
recognize any income or gain in connection with the filing by such Indemnitee of
an election under Section 83(b) of the Code. Any one of the above positions
shall be referred to herein as a "Required Tax Return Position."

     "Tax" or "Taxes" means all U.S. federal, state or local taxes, levies,
imposts, deductions, charges and withholdings of any kind and any related
interest and penalties.

     "Tax Loss" means any Final Determination with respect to an Indemnitee
resulting in an increase in the U.S. federal, state or local income Tax imposed
on such Indemnitee to the extent such Final Determination arises from the
determination of the IRS that the value of the Common Stock received by such
Indemnitee pursuant to the Subscription Agreement was higher than the purchase
price agreed upon by the Company and the Indemnitees as set forth in the
Subscription Agreement, assuming that (i) each Indemnitee has properly
completed, executed and filed a form of election under Section 83(b) of the Code
with the IRS within thirty (30) days of the purchase of the Common Stock as
required under the Subscription Agreement and (ii) pursuant to such election,
such Indemnitee has, for U.S. federal, state and local income Tax purposes,
included in taxable income for the taxable year in which the Common Stock was
purchased the excess of the fair market value of the Common Stock over the
consideration paid for such Common Stock.

2.   TAX INDEMNIFICATION. If any Indemnitee incurs a Tax Loss, the Company shall
be liable for and shall indemnify, defend and hold harmless such Indemnitee with
respect to such Tax Loss as follows:

     (a)  The Company shall pay to such Indemnitee on an After-Tax Basis an
amount equal to the sum of (i) (A) the excess of the value of the Common Stock
as determined by the IRS over the value of the Common Stock as determined by the
parties under the Subscription Agreement (the "INCREASE AMOUNT") multiplied by
(B) a percentage that is equal to the excess of (1) the combined U.S. federal,
state and local tax rate on ordinary income (the "COMBINED ORDINARY INCOME
RATE"), taking into account the

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state of residence of such Indemnitee and the deductibility, to the extent
actually allowed to such Indemnitee, of state taxes for U.S. federal income tax
purposes, over (2) the combined U.S. federal, state and local tax rate on
long-term capital gains (the "COMBINED CAPITAL GAINS RATE"), taking into account
the state of residence of such Indemnitee and the deductibility, to the extent
actually allowed to such Indemnitee, of state taxes for U.S. federal income tax
purposes, plus (ii) any interest, penalties or additions relating to such Tax
Loss, plus (iii) such Indemnitee's portion of FICA taxes, if any, applicable to
the Increase Amount.

     (b)  The Company shall loan to such Indemnitee (the "LOAN"), on an
interest-free basis, an amount equal to the Increase Amount multiplied by the
Combined Capital Gains Rate. Such Loan shall be secured by all of the Common
Stock owned by such Indemnitee. In connection with such Loan, the Company shall
pay to such Indemnitee on an After-Tax Basis an amount equal to the U.S. federal
tax imposed on such Indemnitee pursuant to Section 7872 of the Code due to the
Loan having a below market rate of interest. When the Indemnitee disposes of the
Common Stock, the Indemnitee will be required to repay to the Company the amount
of such Loan; PROVIDED, HOWEVER, that if the Combined Capital Gains Rate in
effect at the time of disposition of the Common Stock is less than the Combined
Capital Gains Rate in effect on the date hereof, the Indemnitee's obligation to
repay the Loan is limited to (i) the product of (A) the Increase Amount and
(B) the Combined Capital Gains Rate at the time of disposition reduced by
(ii) the amount equal to any U.S. federal, state or local Tax imposed on such
Indemnitee as a result of the partial forgiveness of the Loan.

     (c)  The Company shall not be liable for and shall not indemnify, defend
and hold harmless any Indemnitee with respect to a Tax Loss or portion thereof
if it can be clearly established that (i) such Tax Loss would not have occurred
but for such Indemnitee's failure to comply with Section 5 or such Indemnitee's
intentional or grossly negligent failure to mitigate such Tax Loss, (ii) such
Tax Loss or portion thereof arose as a result of a recharacterization of the
Notes or otherwise in connection with the financing of the Indemnitee's purchase
of the Common Stock or (iii) such Indemnitee has taken a position on any U.S.
federal, state or local Tax return that is inconsistent with any Required Tax
Return Position.

     (d)  Upon the occurrence of any event that could result in indemnification
pursuant to this Section 2 (including the delivery in writing by the IRS of a
proposed adjustment with respect to any Indemnitee that, if sustained, would
result in a Tax Loss for which the Company may be required to indemnify such
Indemnitee), an Indemnitee shall, within 30 days of notice of such event, give
written notice (the "TAX NOTICE") to the Company setting forth in reasonable
detail the computations and methods used in computing the indemnity amounts
under this Letter Agreement. Any such Tax Notice shall (i) be signed by such
Indemnitee, (ii) state in reasonable detail the basis upon which such amount or
adjustment has been determined and (iii) certify that such amount or adjustment
has been determined in compliance with this Letter Agreement.

     (e)  Payments of the indemnity amounts under this Letter Agreement shall be
made commencing on the later of (i) 30 days after the date of an Indemnitee's
Tax Notice

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described above, (ii) 15 day before the due date for the payment of any amount
by the Indemnitee on account of the Tax Loss and (iii) if any such payment is
contested pursuant to Section 4, 30 days after the date of a final determination
with respect to such Tax Loss; PROVIDED, HOWEVER, that in connection with
payments of indemnity amounts with respect to Taxes imposed under Section 7872
of the Code as referred to in Section 2(b) hereof, payments of such indemnity
amounts shall be made within 30 days of the end of each taxable year in which an
Indemnitee must include in income any amounts pursuant to Section 7872 of the
Code.

3.   TAX SAVINGS. If any Indemnitee, as a result of a Tax Loss for which the
Company has indemnified such Indemnitee, realizes any U.S. federal, state or
local income Tax savings that it would not have realized but for such Tax Loss
(or the event or circumstance giving rise thereto), which Tax savings have not
previously been taken into account in computing the amount of an indemnity
payable hereunder, then such Indemnitee shall pay to the Company an amount equal
to the sum of (i) such net U.S. federal, state or local income Tax savings and
(ii) any interest received or credited in respect of such Tax savings; PROVIDED,
HOWEVER, that such Indemnitee shall not be required to make any payment pursuant
to this Section 3 to the extent that the amount of such payment would exceed the
amount of all prior payments by the Company to such Indemnitee pursuant to
Section 2 less the amount of all prior payments by such Indemnitee pursuant to
this Section; PROVIDED, FURTHER, that the amount of any excess described in the
preceding proviso shall reduce PRO TANTO any amount that the Company is
subsequently obligated to pay pursuant to Section 2. Any payment due to the
Company pursuant to this Section 3 shall be paid promptly and, in any event,
within 30 days after such Indemnitee shall take such Tax savings into account in
determining its estimated tax liability.

4.   CONTESTS. If, within 30 days of receipt of a Tax Notice from an Indemnitee
(or such shorter period as such Indemnitee has notified the Company is required
by law or regulation for such Indemnitee to contest such Tax Loss), the Company
shall request in writing that such Indemnitee contest such Tax Loss, such
Indemnitee shall, at the Company's expense, in good faith conduct and control
such contest (including, without limitation, by pursuit of appeals) by, in the
sole discretion of the Company, (i) resisting payment thereof, (ii) not paying
the same except under protest, if protest is necessary and proper, (iii) if the
payment be made, using reasonable efforts to obtain a refund thereof in
appropriate administrative and judicial proceedings, or (iv) taking such other
action as is reasonably requested by the Company from time to time; PROVIDED,
HOWEVER, that (x) if such contest can be pursued independently from any other
proceeding involving a Tax liability of such Indemnitee, such Indemnitee, at the
Company's request, shall allow the Company to conduct and control such contest
and (y) in the case of any contest that the Company is not entitled to control,
the Indemnitee may request the Company to conduct and control such contest if
possible or permissible under applicable law or regulation.

     Notwithstanding the foregoing provisions of this Section 4, such Indemnitee
shall not be required to take any action and the Company shall not be able to
contest such claim or Tax in its own name or that of such Indemnitee unless
(i) the Company shall have agreed to pay, and shall pay, to such Indemnitee on
demand all reasonable out-of-

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pocket third party costs and expenses that such Indemnitee may incur in
connection with contesting such claim or Taxes, including all reasonable legal
(including non-duplicative internal counsel), accounting and investigatory fees
and disbursements, (ii) the amount of the potential indemnity exceeds $50,000,
(iii) the action to be taken will not result in any material risk of criminal
penalties and (iv) if such contest shall involve the payment of the Tax prior to
the contest, the Company shall, at its option (and notwithstanding anything
herein to the contrary), either (A) pay such Indemnitee for such Taxes or (B)
provide to such Indemnitee an interest-free advance in an amount equal to the
Tax which such Indemnitee is required to pay (with no additional net after-tax
cost to such Indemnitee). In no event shall an Indemnitee be required to appeal
an adverse judicial determination to the United States Supreme Court.

     Any Indemnitee shall consult in good faith with the Company regarding the
conduct of any contest controlled by such Indemnitee, shall keep the Company
fully informed as to the status of the contest and shall consider in good faith
all suggestions made by the Company regarding the conduct of any such contest,
subject to preserving counsel privilege in the Indemnitee's reasonable judgment.
An Indemnitee shall not have the right to settle or compromise a contest without
the prior written consent of the Company, such consent not to be unreasonably
withheld. If an Indemnitee agrees to a settlement or compromise of such contest
without the prior written consent of the Company, such Indemnitee shall waive
its rights to any indemnity from the Company that otherwise would be payable in
respect of such claim and shall pay to the Company any amount previously paid or
advanced by the Company pursuant to this Section 4 with respect to such Taxes
other than contest costs paid by the Company pursuant to this Section 4 as it
relates to such contest.

5.   COOPERATION AND EXCHANGE OF INFORMATION. Each party hereto agrees to
provide to the other party such information as such other party shall reasonably
request in connection with the preparation of filing of any Tax return not
inconsistent with this Letter Agreement or in conducting any audit or other
proceeding in respect of Taxes or to carry out the provisions of this Letter
Agreement.

6.   COUNTERPARTS. This Letter Agreement may be executed in any number of
counterparts, each of which shall be deemed to be an original and all of which
together shall be deemed to be one and the same instrument, and all signatures
need not appear on any one counterpart.

7.   TERMINATION. This Letter Agreement may be terminated only by a written
instrument executed by each party hereto.

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

                                           SAFETY HOLDINGS, INC.

                                           By: /s/A. Richard Caputo, Jr.
                                               ---------------------------------
                                              Name:   A. Richard Caputo, Jr.
                                              Title: Vice President

Acknowledged and Agreed:

/s/David F. Brussard
----------------------------
Name: David F. Brussard

/s/William J. Begley, Jr.
----------------------------
Name: William J. Begley, Jr.

/s/Daniel F. Crimmins
----------------------------
Name: Daniel F. Crimmins

/s/Robert J. Kerton
----------------------------
Name: Robert J. Kerton

/s/David E. Krupa
----------------------------
Name: David E. Krupa

/s/Daniel D. Loranger
----------------------------
Name: Daniel D. Loranger

/s/Edward N. Patrick, Jr.
----------------------------
Name: Edward N. Patrick, Jr.

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                                   SCHEDULE A

David F. Brussard

William J. Begley, Jr.

Daniel F. Crimmins

Robert J. Kerton

David E. Krupa

Daniel D. Loranger

Edward N. Patrick, Jr.<Page>

                                                                   EXHIBIT 10.21

                         MANAGEMENT CONSULTING AGREEMENT

     THIS MANAGEMENT CONSULTING AGREEMENT ("Agreement"), is executed as of the
16th day of October, 2001, by and among TJC MANAGEMENT CORPORATION, a Delaware
corporation (the "Consultant") and SAFETY HOLDINGS, INC., a Delaware corporation
("Holdings"), and its direct and indirect subsidiaries (collectively, the
"Company").

                              W I T N E S S E T H:
                              - - - - - - - - - -

     WHEREAS, the Consultant has and/or has access to personnel who are highly
skilled in the field of rendering consulting services and financial advice to
businesses; and

     WHEREAS, the Company desires to retain Consultant to provide consulting
services and financial advice to the Company;

     NOW, THEREFORE, in consideration of the premises and the mutual covenants
and agreements herein set forth, the parties hereto do hereby agree as follows:

     1.   The Company hereby retains the Consultant, through the Consultant's
own personnel or through personnel available to the Consultant, to render
consulting services from time to time to the Company and its subsidiaries
(whether now existing or hereafter acquired), in connection with their financial
and business affairs, their relationships with their lenders, stockholders and
other third-party associates or affiliates, and the expansion of their
businesses. The term of this Agreement shall commence the date hereof and
continue until December 31, 2011, unless extended, or sooner terminated, as
provided in SECTION 5 below. The Consultant's personnel shall be reasonably
available to the Company's managers, auditors and other personnel for
consultation and advice, subject to Consultant's reasonable convenience and
scheduling. Services may be rendered at the Consultant's offices or at such
other locations selected by the Consultant as the Company and the Consultant
shall from time to time agree.

     2.   a. The Company shall pay the Consultant a management fee equal to, on
a per annum basis, $1,000,000. The Company shall pay the Consultant such
management fee in quarterly installments equal to $250,000 on each of March 31,
June 30, September 30 and December 31 of each year, commencing September 30,
2001.

     b. In addition to the above quarterly payments, the Company shall pay to
the Consultant, (i) an investment banking and sponsorship fee of up to two
percent (2%) of the aggregate consideration paid (including assumed or
refinanced indebtedness, non-competition, earnout, contingent purchase price,
incentive arrangements and similar payments) (A) by the Company in connection
with the acquisition by the Company of all or substantially all of the
outstanding capital

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stock, warrants, options or other rights to acquire or sell capital stock, or
all or substantially all of the business or assets of another individual,
corporation, partnership or other business entity or (B) to the Company in
connection with the sale by the Company of all or substantially all of the
Company's outstanding capital stock, warrants, options, or other rights to
acquire or sell stock, or all or substantially all of the business or assets of
the Company or one of its subsidiaries (each of the transactions described in
clauses (A) and (B), a "Transaction"), including, but not limited to, any
Transaction negotiated for the Company involving any affiliate of the Company or
the Consultant, including, but not limited to, any Transaction involving, The
Jordan Company, LLC, Jordan/Zalaznick Capital Company or any affiliates of any
of the foregoing (collectively, the "Jordan Affiliates"); and (ii) a financial
consulting fee of up to one percent (1%) of the amount obtained or made
available pursuant to any debt, equity or other financing (including without
limitation, any refinancing) by the Company with the assistance of Consultant,
including, but not limited to, any financing obtained for the Company from one
or more of the Jordan Affiliates, PROVIDED, that in no event shall a fee be
payable under SECTION 2(b)(ii) hereunder (x) with respect to borrowings under
the Credit Agreement or (y) with respect to financings referred to in SECTION
2(B)(II) made in connection with the consummation of a Transaction. In addition,
prior to paying any fee pursuant to this paragraph (b) the Board of Directors of
the Company (including the disinterested directors) must approve the applicable
Transaction or financing as in the best interests of the Corporation.

     c. In addition, the Company shall pay to the Consultant a closing fee of
$2.50 million upon the consummation of the merger of Safety Merger Co. Inc. and
Thomas Black Corporation in lieu of any fee otherwise payable under SECTION
2(b).

     3.   The Company shall reimburse Consultant for reasonable out-of-pocket
expenses and any reasonable, direct, allocable costs incurred by the Consultant
and its personnel in performing services hereunder to the Company and its
subsidiaries upon the Consultant's rendering of a statement therefor, together
with supporting data as the Company shall reasonably require.

     4.   Notwithstanding the foregoing, the Company shall not pay the fees
under SECTION 2 and such fees shall accrue pursuant to the second sentence of
this SECTION 4, (a) if any payment or financial covenant default under either
(i) the Revolving Credit and Term Loan Agreement, of even date herewith, by and
among Thomas Black Corporation, Fleet National Bank the other lenders party
thereof, and Fleet National Bank, as administrative agent for itself and such
other lenders or (ii) the Purchase Agreement, of even date herewith, by and
between the Company and JZ Equity Partners PLC, has occurred and is continuing
(regardless of whether such agreements are then in effect), (b) if and to the
extent expressly prohibited by the provisions of any credit, stock, financing or
other agreements or instruments binding upon the Company, its subsidiaries or
properties, (c) if the Company has not paid interest on any interest payment
date or has postponed or not made any

                                       -2-
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principal payments with respect to any of their indebtedness on any scheduled
payment dates, or (d) if the Company has not paid dividends on any dividend
payment date as set forth in its certificate of incorporation or as declared by
its Board of Directors, or has postponed or not made any redemptions on any
redemption date as set forth in its certificate of incorporation or any
certificate of designation with respect to its preferred stock, if any. Any
payments otherwise owed hereunder, which are not made for any of the
above-mentioned reasons, shall not be cancelled but rather shall accrue, without
interest, and shall be payable by the Company promptly when, and to the extent,
that the Company is no longer prohibited from making such payments and when the
Company has become current with respect to such principal or interest payments,
has become current with respect to such dividends and has made such redemptions
with respect to such preferred stock, if any. This SECTION 4 will not, in any
event, restrict or limit the Company's obligations under SECTION 3, 8 and 9,
which will be absolute and not subject to set-off.

     5.   This Agreement shall be automatically renewed for successive one-year
terms starting December 31, 2011 unless either party hereto, within sixty (60)
days prior to the scheduled renewal date, notifies the other party as to its
election to terminate this Agreement. Notwithstanding the foregoing, this
Agreement may be terminated by not less than ninety (90) days' prior written
notice from the Company to the Consultant at any time after (a) substantially
all of the stock or substantially all of the assets of the Company are sold to
any entity unaffiliated with the Consultant and/or a majority of the Company's
stockholders immediately prior to such sale or (b) the Company is merged or
consolidated into another entity unaffiliated with the Consultant and/or a
majority of the Company's stockholders immediately prior to such merger and the
Company is not the survivor of such transaction.

     6.   The Consultant shall have no liability to the Company on account of
(a) any advice which it renders to the Company, provided the Consultant believed
in good faith that such advice was useful or beneficial to the Company at the
time it was rendered, or (b) the Consultant's inability to obtain financing or
achieve other results desired by the Company or Consultant's failure to render
services to the Company at any particular time or from time to time, or (c) the
failure of any transaction to meet the financial, operating or other
expectations of the Company. The Company's sole remedy for any claim under this
Agreement shall be termination of this Agreement.

     7.   Notwithstanding anything contained in this Agreement to the contrary,
the Company agrees and acknowledges that the Consultant, the Jordan Affiliates
and their shareholders, members, employees, directors and affiliates intend to
engage and participate in acquisitions and business transactions outside of the
scope of the relationship created by this Agreement and neither the Consultant,
any of the Jordan Affiliates nor any of their shareholders, members, employees,
directors or affiliates shall be under any obligation whatsoever (except to the
extent that fiduciary duty

                                       -3-
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principles under Delaware corporate law may be applicable to individual
directors and officers of the Company) to make such acquisitions, business
transactions or other opportunities through the Company or offer such
acquisitions, business transactions or other opportunities to the Company.

     8.   The Company will, to the fullest extent permitted by applicable law,
indemnify and hold harmless the Consultant, its affiliates and associates, each
of the Jordan Affiliates, and each of the respective owners, partners, members,
officers, directors, employees and agents of each of the foregoing, from and
against any loss, liability, damage, claim or expenses (including the fees and
expenses of counsel) arising as a result or in connection with this Agreement or
the Consultant's services hereunder.

     9.   Any payments paid by the Company under this Agreement shall not be
subject to set-off and shall be increased by the amount, if any, of any taxes
(other than income taxes) or other governmental charges levied in respect of
such payments, so that the Consultant is made whole for such taxes or charges.

     10.  a. This Agreement sets forth the entire understanding of the parties
with respect to the Consultant's rendering of services to the Company. This
Agreement may not be modified, waived, terminated or amended except expressly by
an instrument in writing signed by the Consultant and the Company.

          b. This Agreement may be assigned by either party hereto without the
consent of the other party, provided, however, such assignment shall not relieve
such party from its obligations hereunder. Any assignment of this Agreement
shall be binding upon and inure to the benefit of the parties and their
respective successors and assigns.

          c. In the event that any provision of this Agreement shall be held to
be void or unenforceable in whole or in part, the remaining provisions of this
Agreement and the remaining portion of any provision held void or unenforceable
in part shall continue in full force and effect.

          d. Except as otherwise specifically provided herein, all notices,
requests, claims, demands and other communications hereunder shall be in writing
and shall be deemed to have been duly given when delivered in person, by
confirmed facsimile transmission, confirmed courier service, or by registered or
certified mail (postage prepaid, return receipt requested) to the address of the
party for whom intended at the principal executive offices of such party, or at
such other address as such party may hereinafter specify by written notice to
the other party.

                                       -4-
<Page>

          e. The Company's subsidiaries will be jointly and severally liable and
obligated hereunder with respect to each obligation, responsibility and
liability of the Company, as if a direct obligation of the subsidiaries.

          f. No waiver by either party of any breach of any provision of this
Agreement shall be deemed a continuing waiver or a waiver of any preceding or
succeeding breach of such provision or of any other provision herein contained.

          g. The Consultant and its personnel shall, for purposes of this
Agreement, be independent contractors with respect to the Company.

          h. This Agreement shall be governed by the internal laws (and not the
law of conflicts) of the State of New York.

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

                                                TJC MANAGEMENT CORPORATION

                                                By: /s/David W. Zalaznick
                                                    ----------------------
                                                  Name: David W. Zalaznick
                                                  Title:

                                                SAFETY HOLDINGS, INC.

                                                By:/s/ A. Richard Caputo, Jr.
                                                   ---------------------------
                                                  Name: A. Richard Caputo, Jr.
                                                  Title:

                                       -5-

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