Document:

<PAGE>
                                                                     Exhibit 4.1

                         [SPECIMEN OF STOCK CERTIFICATE]

                           [FRONT SIDE OF CERTIFICATE]

                         BENJAMIN FRANKLIN BANCORP, INC.

        INCORPORATED UNDER THE LAWS OF THE COMMONWEALTH OF MASSACHUSETTS

[NUMBER]                                            [SHARES]

BFBC *XX*                                            * XX *

COMMON STOCK                           SEE REVERSE FOR CERTAIN RESTRICTIONS
NO PAR VALUE                       AND DEFINITIONS AND FOR CERTAIN PREFERENCES
                                WHICH MAY EXIST WITH RESPECT TO THE COMMON STOCK

________________________________________________________________________________
                  This Certifies that SPECIMEN CUSIP
                  082073 10 7

                  is the owner of NO _ _ _ _ _ _ __
________________________________________________________________________________

            FULLY PAID AND NON-ASSESSABLE SHARES OF THE COMMON STOCK,

                           NO PAR VALUE PER SHARE, OF

                         BENJAMIN FRANKLIN BANCORP, INC.

Transferable on the books of the Corporation by the holder hereof in person or
by duly authorized attorney upon surrender of this Certificate properly endorsed
or assigned. This Certificate and the shares of common stock represented hereby
are issued and shall be held subject to the laws of The Commonwealth of
Massachusetts and to the Articles of Organization and By-Laws of the
Corporation, as in effect and as amended from time to time hereafter. This
Certificate is not valid until countersigned and registered by the Transfer
Agent and Registrar.

      IN WITNESS WHEREOF, the Corporation has caused its facsimile corporate
seal and facsimile signatures of its duly authorized officers to be hereunto
affixed.

                         BENJAMIN FRANKLIN BANCORP, INC.

/s/________________________________    SEAL  /s/________________________________
   TREASURER                                    PRESIDENT

COUNTERSIGNED AND REGISTERED:

AMERICAN STOCK TRANSFER &
TRUST COMPANY

(New York, NY)

TRANSFER AGENT AND REGISTRAR

BY____________________________

   AUTHORIZED SIGNATURE
<PAGE>
                         [BACK SIDE OF CERTIFICATE]

      The shares represented by this Certificate are issued subject to all the
provisions of the Articles of Organization and By-Laws of the Corporation, as in
effect and as amended from time to time, to all of which the holder by
acceptance hereof assents. The Corporation will furnish to any shareholder, upon
written request and without charge, a copy of the Articles of Organization and
By-Laws of the Corporation. Such request may be made to the Clerk of the
Corporation.

      Under the Articles of Organization, the Board of Directors may, without
stockholder approval but subject to certain regulatory approvals, reclassify any
unissued shares of common stock into one or more series of preferred stock and
designate and issue one or more series of preferred stock, establish the number
of shares in each such series, fix and state the voting powers, designations,
preferences and the relative or special rights or privileges of the shares of
any series so established and the qualifications thereon without further vote or
action by the stockholders. A statement of the preferences, powers,
qualifications and rights of the series and classes of preferred stock will be
furnished to the holder of this Certificate upon written request and without
charge.

      The following abbreviations, when used in the inscription on the face of
this Certificate, shall be construed as though they were written out in full
according to applicable laws or regulations:

TEN COM --  as tenants in common       UNIF GIFT MIN ACT-- Custodian ...(Cust)
                                                           (Minor) under Uniform
                                                           Gifts to Minors Act
                                                           (State)
TEN ENT --  as tenants by the entireties
JT TEN --   as joint tenants with right
            of survivorship and not as
            tenants in common

      Additional abbreviations may also be used though not in the above list.

      For value received, __________________ hereby sell, assign and transfer
      unto

PLEASE INSERT SOCIAL SECURITY OR OTHER
IDENTIFYING NUMBER OF ASSIGNEE

________________________________________________________________________________

________________________________________________________________________________
(PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS, INCLUDING ZIP CODE, OF ASSIGNEE)

________________________________________________________________ shares of the
common stock represented by the within Certificate, and do hereby irrevocably
constitute and appoint _________________________________________ Attorney to
transfer the said stock on the books of the within named Corporation with full
power of substitution in the premises.

Dated: _________________________

           NOTICE:            __________________________________________________
                              THE SIGNATURE OF THIS ASSIGNMENT MUST CORRESPOND
                              WITH THE NAME AS WRITTEN UPON THE FACE OF THE
                              CERTIFICATE IN EVERY PARTICULAR, WITHOUT
                              ALTERATIONS OR ENLARGEMENT OR ANY CHANGE WHATEVER.

SIGNATURE(S) GUARANTEED:      __________________________________________________
                              THE SIGNATURE(S) SHOULD BE GUARANTEED BY AN
                              ELIGIBLE GUARANTOR INSTITUTION (BANKS,
                              STOCKBROKERS, SAVINGS AND LOAN ASSOCIATIONS AND
                              CREDIT UNIONS WITH MEMBERSHIP IN AN APPROVED
                              SIGNATURE GUARANTEE MEDALLION PROGRAM), PURSUANT
                              TO S.E.C. RULE 17AD-15.

NOTICE: The signature to this assignment must correspond with the name as
        written upon the face of the Certificate, in every particular, without
        alteration or enlargement, or any change whatsoever.<PAGE>

                                                                   EXHIBIT 10.49

                             COMPENSATION AGREEMENT

      WHEREAS the Board of Directors of CALLAWAY GOLF COMPANY, a Delaware
corporation, (the "Company") has appointed WILLIAM C. BAKER ("Employee") interim
Chief Executive Officer of the Company effective August 2, 2004, to serve in
such position at the discretion of the Board of Directors until such time as a
new Chief Executive Officer is identified and hired or until otherwise
determined by the Board;

      WHEREAS the search for a new Chief Executive Officer has been initiated,
but may take several months;

      WHEREAS Employee is expected to perform the usual and customary duties of
the Chief Executive Officer, consistent with the oversight of the Board of
Directors and the Company's general employment practices and policies as they
may change from time to time, while the search is underway;

      WHEREAS Employee has accepted such appointment and is willing to undertake
such duties; and

      WHEREAS the Company and Employee wish to specify the compensation to be
paid Employee so long as he serves in such position or until otherwise
established by the Board of Directors;

      NOW THEREFORE the Company agrees to compensate Employee as follows, and
Employee hereby accepts such compensation as payment in full for his services:

      1. TERM.

      Employee's employment as interim Chief Executive Officer shall be from
August 2, 2004 until such time as a new Chief Executive Officer is hired and
takes office, or until otherwise determined by the Board of Directors in its
sole discretion.

      2. COMPENSATION AND BENEFITS.

            (a) Base Salary. The Company agrees to pay Employee a base salary at
the rate of $700,000.00 per year from August 2, 2004, through and including
November 21, 2004, and at the rate of $800,000.00 per year from November 22,
2004 and thereafter.

            (b) Bonus. The Company shall provide Employee an opportunity to earn
an annual bonus based upon participation in the Company's officer bonus plan as
it may or may not exist from time to time. Employee acknowledges that currently
all bonuses are discretionary, that the current officer bonus plan does not
include any nondiscretionary bonus plan, and that the Company does not currently
contemplate establishing any nondiscretionary bonus plan applicable to Employee.

            (c) Reasonable and Necessary Expenses. The Company shall reimburse
Employee for all reasonable, customary and necessary expenses incurred in the
performance of Employee's duties hereunder. Employee shall first account for
such expenses by submitting a signed statement itemizing such expenses prepared
in accordance with the policy set by the Company for reimbursement of such
expenses. The amount, nature, and extent of such expenses shall always be
subject to the control, supervision and direction of the Board of Directors of
the Company.

            (d) Paid Time Off. Employee shall accrue thirty-five (35) days of
paid time off annually. With the exception of the accrual of paid time off, all
other portions of the Paid Time Off Program, as stated in the Company's Employee
Handbook, as may be modified from time to time, shall govern Employee's paid
time off. The Company reserves the right to pay Employee for unused, accrued
paid time off benefits in lieu of providing time off.

<PAGE>

            (e) Other Benefits. During Employee's employment with the Company,
the Company shall provide for Employee to:

                  (i) participate in the Company's health insurance and
disability insurance plans as the same may be modified from time to time;

                  (ii) receive, if Employee is insurable under usual
underwriting standards, term life insurance coverage on Employee's life, payable
to whomever Employee directs, in an amount equal to three (3) times Employee's
base salary, not to exceed a maximum of $1,500,000.00 in coverage, provided that
Employee completes the required health statement and application and that
Employee's physical condition does not prevent Employee from qualifying for such
insurance coverage under reasonable terms and conditions;

                  (iii) participate in the Company's 401(k) retirement
investment plan pursuant to the terms of the plan, as the same may be modified
from time to time;

                  (iv) participate in the Company's Executive Deferred
Compensation Plan, as the same may be modified from time to time; and

                  (v) participate in any other benefit plans the Company
provides from time to time to senior executive officers.

      3. RESTRICTIONS AND CONDITIONS. The Company's obligations to compensate
Employee in accordance with the terms set forth in this agreement are
conditioned upon the following:

            (a) Employee shall be required to comply with all policies and
procedures of the Company, as such shall be adopted, modified or otherwise
established by the Company from time to time.

            (b) Employee shall execute such secrecy, non-disclosure, patent,
trademark, copyright and other proprietary rights agreements, if any, as the
Company may from time to time reasonably require.

            (c) To the fullest extent permitted by law, Employee agrees that,
while employed by the Company, Employee will not, directly or indirectly
(whether as employee, agent, consultant, holder of a beneficial interest,
creditor, or in any other capacity), engage in any business or venture which
conflicts with Employee's employment with the Company, including services that
are directly or indirectly in competition with the business of the Company or
any of its affiliates, or have any interest in any person, firm, corporation, or
venture which engages directly or indirectly in competition with the business of
the Company or any of its affiliates. For purposes of this Section, the
ownership of interests in a broadly based mutual fund shall not constitute
ownership of the stocks held by the fund.

            (d) Except as may be required in the performance of his duties as an
employee of the Company, while employed by the Company and for one (1) year
thereafter, Employee shall not cause or induce, or attempt to cause or induce,
any person now or hereafter employed by the Company or any of its affiliates to
terminate such employment.

            (e) While employed by the Company and for one (1) year thereafter,
Employee shall not cause or induce, or attempt to cause or induce, any person or
firm supplying goods, services or credit to the Company or any of its affiliates
to diminish or cease furnishing such goods, services or credit.

            (f) While employed by the Company, and for one (1) year thereafter,
Employee shall not in any way undertake to harm, injure or disparage the
Company, its officers, directors, employees, agents, affiliates, vendors,
products, or customers, or their successors, or in any other way exhibit an
attitude of hostility toward them.

                                                                William C. Baker

                                       2
<PAGE>

            (g) Employee understands and agrees that all equipment, books,
records, customer lists and documents connected with the business of the Company
and/or its affiliates are the property of and belong to the Company. Employee
shall return to the Company and/or its affiliates all equipment, books, records,
documents and customer lists belonging to the Company and/or its affiliates upon
termination of Employee's employment with the Company.

            (h) Trade Secrets and Confidential Information.

                  (i) As used in this Compensation Agreement, the term "Trade
Secrets and Confidential Information" means information, whether written or
oral, not generally available to the public, regardless of whether it is
suitable to be patented, copyrighted and/or trademarked, which is received from
the Company and/or its affiliates, either directly or indirectly, including but
not limited to (i) concepts, ideas, plans and strategies involved in the
Company's and/or its affiliates' products, (ii) the processes, formulae and
techniques disclosed by the Company and/or its affiliates to Employee or
observed by Employee, (iii) the designs, inventions and innovations and related
plans, strategies and applications which Employee develops during the term of
his employment in connection with the work performed by Employee for the Company
and/or its affiliates; and (iv) third party information which the Company and/or
its affiliates has/have agreed to keep confidential.

                  (ii) The term "Trade Secrets and Confidential Information"
does not include information which, at the time of disclosure or observation,
had been previously published or otherwise publicly disclosed; information which
is published (or otherwise publicly disclosed) after disclosure or observation,
unless such publication is a breach of this Compensation Agreement or is
otherwise a violation of contractual, legal or fiduciary duties owed to the
Company, which violation is known to Employee; or information which, subsequent
to disclosure or observation, is obtained by Employee from a third person who is
lawfully in possession of such information (which information is not acquired in
violation of any contractual, legal, or fiduciary obligation owed to the Company
with respect to such information, and is known by Employee) and who is not
required to refrain from disclosing such information to others.

                  (iii) While employed by the Company, Employee will have access
to and become familiar with various Trade Secrets and Confidential Information.
Employee acknowledges that the Trade Secrets and Confidential Information are
owned and shall continue to be owned solely by the Company and/or its
affiliates. Employee agrees that he will not, at any time, whether during or
subsequent to his employment by the Company and/or its affiliates, use or
disclose Trade Secrets and Confidential Information for any competitive purpose
or divulge the same to any person other than the Company or persons with respect
to whom the Company has given its written consent, unless Employee is compelled
to disclose it by governmental process. In the event Employee believes that he
is legally required to disclose any Trade Secrets or Confidential Information,
Employee shall give reasonable notice to the Company prior to disclosing such
information and shall assist the Company in taking such legally permissible
steps as are reasonable and necessary to protect the Trade Secrets or
Confidential Information, including, but not limited to, execution by the
receiving party of a non-disclosure agreement in a form acceptable to the
Company.

                  (iv) The provisions of this subsection shall survive the
termination or expiration of Employee's employment with the Company, and shall
be binding upon Employee in perpetuity.

              (i) Assignment of Rights.

                        (i) As used in this Compensation Agreement, "Designs,
Inventions and Innovations," whether or not they have been patented,
trademarked, or copyrighted, include, but are not limited to designs,
inventions, innovations, ideas, improvements, processes, sources of and uses for
materials, apparatus, plans, systems and computer programs relating to the
design, manufacture, use, marketing, distribution and management of the
Company's and/or its affiliates' products.

                                                                William C. Baker

                                       3
<PAGE>

                        (ii) As a material part of the terms and understandings
of this Compensation Agreement, Employee agrees to assign to the Company all
Designs, Inventions and Innovations developed, conceived and/or reduced to
practice by Employee, alone or with anyone else, in connection with the work
performed by Employee for the Company during Employee's employment with the
Company, regardless of whether they are suitable to be patented, trademarked
and/or copyrighted.

                        (iii) Employee agrees to disclose in writing to the
Board of Directors of the Company any Design, Invention or Innovation relating
to the business of the Company and/or its affiliates, which Employee develops,
conceives and/or reduces to practice in connection with any work performed by
Employee for the Company, either alone or with anyone else, while employed by
the Company and/or within twelve (12) months of the termination of employment.
Employee shall disclose all Designs, Inventions and Innovations to the Company,
even if Employee does not believe that he is required under this Compensation
Agreement, or pursuant to California Labor Code Section 2870, to assign his
interest in such Design, Invention or Innovation to the Company. If the Company
and Employee disagree as to whether or not a Design, Invention or Innovation is
included within the terms of this Compensation Agreement, it will be the
responsibility of Employee to prove that it is not included.

                        (iv) Pursuant to California Labor Code Section 2870, the
obligation to assign as provided in this Compensation Agreement does not apply
to any Design, Invention or Innovation to the extent such obligation would
conflict with any state or federal law. The obligation to assign as provided in
this Compensation Agreement does not apply to any Design, Invention or
Innovation that Employee developed entirely on Employee's own time without using
the Company's equipment, supplies, facilities or Trade Secrets and Confidential
Information except those Designs, Inventions or Innovations that either: relate
at the time of conception or reduction to practice to the Company's and/or its
affiliates' business, or actual or demonstrably anticipated research of the
Company and/or its affiliates; or result from any work performed by Employee for
the Company and/or its affiliates.

                        (v) Employee agrees that any Design, Invention and/or
Innovation which is required under the provisions of this Compensation Agreement
to be assigned to the Company shall be the sole and exclusive property of the
Company. Upon the Company's request, at no expense to Employee, Employee shall
execute any and all proper applications for patents, copyrights and/or
trademarks, assignments to the Company, and all other applicable documents, and
will give testimony when and where requested to perfect the title and/or patents
(both within and without the United States) in all Designs, Inventions and
Innovations belonging to the Company.

                        (vi) The provisions of this subsection shall survive the
termination of Employee's employment by the Company and shall be binding upon
Employee in perpetuity.

            (j) Employee agrees to permit the Company and/or its affiliates, and
persons or other organizations authorized by the Company and/or its affiliates,
to use, publish and distribute advertising or sales promotional literature
concerning the products of the Company and/or its affiliates, or the machinery
and equipment used in the manufacture thereof, in which Employee's name and/or
pictures of Employee taken in the course of his provision of services to the
Company and/or its affiliates, appear. Employee hereby waives and releases any
claim or right he may otherwise have arising out of such use, publication or
distribution.

      4. IRREVOCABLE ARBITRATION OF DISPUTES.

            (a) EMPLOYEE AND THE COMPANY AGREE THAT ANY DISPUTE, CONTROVERSY OR
CLAIM ARISING HEREUNDER OR IN ANY WAY RELATED TO THIS COMPENSATION AGREEMENT,
ITS INTERPRETATION, ENFORCEABILITY, OR APPLICABILITY, OR RELATING TO EMPLOYEE'S
EMPLOYMENT, OR THE TERMINATION THEREOF, THAT CANNOT BE RESOLVED BY MUTUAL
AGREEMENT OF THE PARTIES SHALL BE SUBMITTED TO BINDING ARBITRATION. THIS
INCLUDES, BUT IS NOT LIMITED TO, ALLEGED VIOLATIONS OF FEDERAL, STATE AND/OR
LOCAL STATUTES, CLAIMS BASED ON ANY PURPORTED BREACH OF DUTY ARISING IN CONTRACT
OR TORT, INCLUDING BREACH OF CONTRACT, BREACH OF THE COVENANT OF GOOD FAITH AND
FAIR DEALING, VIOLATION OF PUBLIC POLICY,

                                                                William C. Baker

                                       4
<PAGE>

VIOLATION OF ANY STATUTORY, CONTRACTUAL OR COMMON LAW RIGHTS, BUT EXCLUDING
WORKERS' COMPENSATION, UNEMPLOYMENT MATTERS, OR ANY MATTER FALLING WITHIN THE
JURISDICTION OF THE STATE LABOR COMMISSIONER. THE PARTIES AGREE THAT ARBITRATION
IS THE PARTIES' ONLY RECOURSE FOR SUCH CLAIMS AND HEREBY WAIVE THE RIGHT TO
PURSUE SUCH CLAIMS IN ANY OTHER FORUM, UNLESS OTHERWISE PROVIDED BY LAW. ANY
COURT ACTION INVOLVING A DISPUTE, WHICH IS NOT SUBJECT TO ARBITRATION, SHALL BE
STAYED PENDING ARBITRATION OF ARBITRABLE DISPUTES.

            (b) EMPLOYEE AND THE COMPANY AGREE THAT THE ARBITRATOR SHALL HAVE
THE AUTHORITY TO ISSUE PROVISIONAL RELIEF. EMPLOYEE AND THE COMPANY FURTHER
AGREE THAT EACH HAS THE RIGHT, PURSUANT TO CALIFORNIA CODE OF CIVIL PROCEDURE
SECTION 1281.8, TO APPLY TO A COURT FOR A PROVISIONAL REMEDY IN CONNECTION WITH
AN ARBITRABLE DISPUTE SO AS TO PREVENT THE ARBITRATION FROM BEING RENDERED
INEFFECTIVE.

            (c) ANY DEMAND FOR ARBITRATION SHALL BE IN WRITING AND MUST BE
COMMUNICATED TO THE OTHER PARTY PRIOR TO THE EXPIRATION OF THE APPLICABLE
STATUTE OF LIMITATIONS.

            (d) THE ARBITRATION SHALL BE CONDUCTED PURSUANT TO THE PROCEDURAL
RULES STATED IN THE NATIONAL RULES FOR RESOLUTION OF EMPLOYMENT DISPUTES OF THE
AMERICAN ARBITRATION ASSOCIATION ("AAA"). THE ARBITRATION SHALL BE CONDUCTED IN
SAN DIEGO BY A FORMER OR RETIRED JUDGE OR ATTORNEY WITH AT LEAST 10 YEARS
EXPERIENCE IN EMPLOYMENT-RELATED DISPUTES, OR A NON-ATTORNEY WITH LIKE
EXPERIENCE IN THE AREA OF DISPUTE, WHO SHALL HAVE THE POWER TO HEAR MOTIONS,
CONTROL DISCOVERY, CONDUCT HEARINGS AND OTHERWISE DO ALL THAT IS NECESSARY TO
RESOLVE THE MATTER. THE PARTIES MUST MUTUALLY AGREE ON THE ARBITRATOR. IF THE
PARTIES CANNOT AGREE ON THE ARBITRATOR AFTER THEIR BEST EFFORTS, AN ARBITRATOR
FROM THE AMERICAN ARBITRATION ASSOCIATION WILL BE SELECTED PURSUANT TO THE
AMERICAN ARBITRATION ASSOCIATION NATIONAL RULES FOR RESOLUTION OF EMPLOYMENT
DISPUTES. THE COMPANY SHALL PAY THE COSTS OF THE ARBITRATOR'S FEES.

            (e) THE ARBITRATION WILL BE DECIDED UPON A WRITTEN DECISION OF THE
ARBITRATOR STATING THE ESSENTIAL FINDINGS AND CONCLUSIONS UPON WHICH THE AWARD
IS BASED. THE ARBITRATOR SHALL HAVE THE AUTHORITY TO AWARD DAMAGES, IF ANY, TO
THE EXTENT THAT THEY ARE AVAILABLE UNDER APPLICABLE LAW(S). THE ARBITRATION
AWARD SHALL BE FINAL AND BINDING, AND MAY BE ENTERED AS A JUDGMENT IN ANY COURT
HAVING COMPETENT JURISDICTION. EITHER PARTY MAY SEEK REVIEW PURSUANT TO
CALIFORNIA CODE OF CIVIL PROCEDURE SECTION 1286, ET SEQ.

            (f) IT IS EXPRESSLY UNDERSTOOD THAT THE PARTIES HAVE CHOSEN
ARBITRATION TO AVOID THE BURDENS, COSTS AND PUBLICITY OF A COURT PROCEEDING, AND
THE ARBITRATOR IS EXPECTED TO HANDLE ALL ASPECTS OF THE MATTER, INCLUDING
DISCOVERY AND ANY HEARINGS, IN SUCH A WAY AS TO MINIMIZE THE EXPENSE, TIME,
BURDEN AND PUBLICITY OF THE PROCESS, WHILE ASSURING A FAIR AND JUST RESULT. THE
ARBITRATOR SHALL ALLOW REASONABLE DISCOVERY AS PROVIDED IN THE CALIFORNIA
ARBITRATION ACT, BUT SHALL CONTROL THE AMOUNT AND SCOPE OF DISCOVERY.

            (g) THE PROVISIONS OF THIS SECTION SHALL SURVIVE THE EXPIRATION OR
TERMINATION OF EMPLOYEE'S EMPLOYMENT BY THE COMPANY, AND SHALL BE BINDING UPON
THE PARTIES.

THE PARTIES HAVE READ SECTION 4 AND IRREVOCABLY AGREE TO ARBITRATE ANY DISPUTE
IDENTIFIED ABOVE.

                 ______ (EMPLOYEE)              ______ (COMPANY)

                                                                William C. Baker

                                       5
<PAGE>

      5. MISCELLANEOUS.

            (a) Waiver. Failure of either party at any time to require
performance by the other of any provision of this Compensation Agreement shall
in no way affect that party's rights thereafter to enforce the same, nor shall
the waiver by either party of any breach of any provision hereof be held to be a
waiver of any succeeding breach of any provision or a waiver of the provision
itself.

            (b) Applicable Law. This Compensation Agreement shall be governed
and construed in accordance with the laws of the State of California as to both
interpretation and performance.

            (c) Severability. In the event any provision or provisions of this
Compensation Agreement is or are held invalid, the remaining provisions of this
Compensation Agreement shall not be affected thereby.

            (d) Counterparts. This Compensation Agreement may be executed in one
or more counterparts which, when fully executed by the parties, shall be treated
as one agreement.

      IN WITNESS WHEREOF, the parties have caused this Compensation Agreement to
be executed effective the date first written above.

EMPLOYEE                               COMPANY
                                       Callaway Golf Company,
                                       a Delaware corporation

/s/ William C. Baker                   By: /s/ Steven C. McCracken
-------------------------------           ------------------------------------
William C. Baker                               Steven C. McCracken
                                               Senior Executive Vice President,
                                               Chief Legal Officer & Secretary

                                                                William C. Baker

                                       6

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