Document:

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                                  EXHIBIT 10.5

                          SALARY CONTINUATION AGREEMENT

         This Agreement, made and entered into this 1st day of June, 1993 by and
between The Savings Bank, a Corporation organized and existing under the laws of
the State of Ohio, hereinafter referred to as "Corporation" and Stephen A. Gary,
a Key Employee and Executive of the Corporation, hereinafter referred to as
"Executive".

         The Executive has been in the employ of the Corporation for 14 years
and has now and for years past faithfully served the Corporation. It is the
consensus of the Board of Directors that Executive's services have been of
exceptional merit, in excess of the compensation paid and an invaluable
contribution to the profits and position of the Corporation in its field of
activity. The Board further believes the Executive's experience, knowledge of
corporate affairs, reputation and industry contacts are of such value and his
continued services so essential to Corporation's future growth and profits that
it would suffer severe financial loss should Executive terminate his services.

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

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

I.       ARTICLE ONE - DEFINITIONS

         A.       Effective Date:

                  The effective date of this Agreement shall be July 1, 1992.

         B.       Normal Retirement Date:

                  The Normal Retirement Date shall mean retirement from service
                  with the Corporation which becomes effective on the first day
                  of the calendar month following the month in which the
                  Executive reaches his sixty-second (62nd) birthday.

         C.       Early Retirement Date:

                  Early Retirement Date shall mean retirement from service which
                  is effective prior to the Normal Retirement Date stated above,
                  provided the Executive has attained the age of sixty (60)
                  years.

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         D.       Termination of Service:

                  Termination of Service shall mean voluntary resignation of
                  service by the Executive (exclusive of early retirement or
                  disability) or the Corporation's discharge of the Executive
                  for due cause.

II.      ARTICLE TWO - EMPLOYMENT

         A.       Employment:

                  Corporation agrees to employ Executive in such capacity as the
                  Corporation may from time to time determine with such duties,
                  responsibilities and compensation as determined by the Board
                  of Directors.

                  Executive agrees to remain in the Corporation's employment; to
                  devote his fulltime and attention exclusively to the business
                  of the Corporation and to use his best efforts to provide
                  faithful and satisfactory service to Corporation.

         B.       No Employment Agreement Created:

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

III.     ARTICLE THREE - BENEFITS

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

         A.       Retirement Benefits.

                  If Executive shall remain in the employment of the Corporation
                  until the "Normal Retirement Date" defined at Article I,
                  Paragraph B, then, in such event, he shall be entitled to
                  receive monthly from the Corporation the sum of Two Thousand
                  Dollars ($2,000.00) per month commencing on the first day of
                  the month following such "Normal Retirement Date" and
                  continuing for a period of one hundred twenty (120) months,
                  and then on the one hundred twenty-first (121) month and
                  continuing for a period of one hundred twenty (120 months
                  shall receive a monthly benefit from the Corporation in the
                  sum of one Thousand Dollars ($1,000.00) per month. In the
                  event the Executive

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                  should die following "Normal Retirement Date" but before the
                  expiration of two hundred forty (240) months, the unpaid
                  balance of such monthly benefits shall be paid monthly for the
                  remainder of such period to the designated beneficiary. If the
                  designated beneficiary dies prior to the completion of the
                  payout period, no additional benefits shall be payable to the
                  estate of the Executive or to the beneficiary.

         B.       Early Retirement:

                  Executive shall have the additional elective right to receive
                  "Early Retirement" as the term was earlier defined, provided
                  he shall have attained the age of sixty (60) years of age.

                  Upon Executive's election to receive such benefits, he shall
                  be entitled to receive monthly (beginning on the first day of
                  the month following written notice to the Corporation) level
                  retirement benefits determined by:

                           Multiplying the Normal Retirement Benefit determined
                           in paragraph A above by a fraction:

                  The numerator of which is the actual number of months the
                  Executive has been employed by the Corporation from the
                  effective date of this Agreement until his early retirement or
                  the date of his discharge without cause, and;

                           The denominator of which is the total number of
                           months the Executive would have worked from the
                           effective date of this Agreement until his Normal
                           Retirement Date, as earlier defined.

                  Such Early Retirement as determined above, shall be payable
                  for a continuous period of two hundred forty (240) months
                  provided, however, that should the Executive die prior to the
                  expiration of two hundred forty (240) months, the unpaid
                  balance shall continue for the remainder of such period to the
                  beneficiary selected by the Executive and filed with the
                  Corporation.

         C.       Termination of Service or Voluntary Resignation:

                  Should Executive voluntarily resign from his employment or
                  should he be discharged for cause (exclusive of early
                  retirement or disability), all Executive's benefits under this
                  Agreement shall be forfeited and this Agreement shall become
                  null and void. If a dispute arises as to discharge "for
                  cause", such dispute shall be resolved by arbitration as set
                  forth in Article VI.B.

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         D.       Death Benefit Prior to Retirement:

                  Should the Executive die prior to the Normal Retirement Date
                  (exclusive of Early Retirement as defined elsewhere herein),
                  Corporation agrees to pay to the Executive's designated
                  beneficiary on the first day of the month following the
                  Executive's death the sum of Two Thousand Dollars ($2,000.00)
                  for a continuous period of one hundred twenty (120 months, and
                  commencing on the one hundred twenty-first (121st) month the
                  sum of one Thousand Dollars ($1,000.00) per month for a
                  continuous period of one hundred twenty (120) months. If the
                  designated beneficiary should die prior to the expiration of
                  the two hundred forty (240) months, then and in that event,
                  the Corporation shall pay to the Guardian of the Executive's
                  children, the sum of One Thousand Dollars ($1,000.00) per
                  month until the youngest child of the Executive attains the
                  age of eighteen (18) years.

                  Executive shall declare his designated beneficiary in writing
                  on a form provided by the Corporation.

                  In the event of the Executive's death shall be the result of
                  suicide within a two 92) year period following the effective
                  date of this Agreement, then no death benefits shall be
                  payable to the Executive or his designated beneficiary.

IV.      ARTICLE FOUR - RESTRICTIONS UPON FUNDING

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

         The Corporation reserves the absolute right at its sole discretion to
         either fund the obligations undertaken by this Agreement or to refrain
         from funding the same and to determine the extent, nature, and method
         of such funding. Should Corporation elect to fund this Agreement, in
         whole or in part, through the purchase of life insurance, mutual funds,
         disability policies or annuities, the Corporation reserves the absolute
         right, in its sole discretion, to terminate such funding at any time,
         in whole or in part. At no time shall Executive be deemed to have any
         lien nor right, title or interest in or to any specific funding
         investment or to any assets of the Corporation.

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

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V.       ARTICLE FIVE - MISCELLANEOUS

         A.       Alienability and Assignment Prohibition:

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

         B.       Binding Obligation of Corporation and Any Successor In
                  Interest

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

         C.       Revocation:

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

         D.       Gender:

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

         E.       Effect On Other Corporation Benefit Plans:

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

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         F.       Headings:

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

         G.       Applicable Law:

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

VI.      ERISA PROVISIONS

         A.       Named Fiduciary and Plan Administrator:

                  The "Named Fiduciary and Plan Administrator" of this plan
                  shall be Thomas F. Tootle until his resignation or removal by
                  the Board of Directors. As named Fiduciary and Administrator,
                  Thomas F. Tootle shall be responsible for the management,
                  control and administration of the Salary Continuation
                  Agreement as established herein. He may delegate to others
                  certain aspects of the management and operation
                  responsibilities of the plan including the employment of
                  advisors and the delegation of ministerial duties to qualified
                  individuals.

         B.       Claims Procedure and Arbitration:

                  In the event that benefits under this Plan Agreement are not
                  paid to the Executive (or to his beneficiary in the case of
                  the Executive's death) and such claimants feel they are
                  entitled to receive such benefits, then a written claim must
                  be made to the Named Fiduciary and Administrator named above
                  within sixty (60) days from the date payments are refused. The
                  Plan Fiduciary and Administrator and the Corporation shall
                  review the written claim and if the claim is denied, in whole
                  or in part, they shall provide in writing within ninety (90)
                  days of receipt of such claim their specific reasons for such
                  denial, reference to the provisions of this Agreement upon
                  which the denial is based and any additional material or
                  information necessary to perfect the claim. Such written
                  notice shall further indicate the additional steps to be taken
                  by claimants if a further review of the claim denial is
                  desired. A claim shall be deemed denied if the Plan Fiduciary
                  and Administrator fails to take any action within the
                  aforesaid ninety (90) day period.

                  If claimants desire a second review, they shall notify the
                  Plan Fiduciary and Administration in writing within sixty (60)
                  days of the first claim denial. Claimants may review the Plan
                  Agreement or any documents relating thereto and submit any
                  written issues and comments they may feel appropriate. In its
                  sole discretion, the Plan Fiduciary and Administrator shall
                  then review the second claim and provide a written decision
                  within sixty (60) days of receipt of such claim. This decision
                  shall likewise state the specific reasons for the

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                  decision and shall include reference to specific provisions of
                  the Plan Agreement upon which the decision is based.

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

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

         IN WITNESS WHEREOF, the parties hereto acknowledge that each has
carefully read this Agreement and executed the original thereof on the 1st day
of June, 1993 and that, upon execution, each has received a conforming copy.

         Thomas F. Tootle                         /s/ Stephen A. Gary
         ----------------------------             ------------------------------
         (Witness)                                Stephen A. Gary, Executive

         Thomas F. Tootle                         /s/ Harry J. Clifton
         ----------------------------             ------------------------------
         (Witness)                                The Savings Bank, Corporation
                                                  By:  Harry J. Clifton
                                                  Its: Chairman of the Board of
                                                       Directors

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                                                                    EXHIBIT 4(a)

                                POPMAIL.COM INC.
                      SUBSIDIARY ADVISOR STOCK OPTION PLAN

         1. PURPOSE. The purpose of the PopMail.com, inc. Subsidiary Advisor
Stock Option Plan (the "Plan") is to advance the interests of PopMail.com, inc.
(the "Parent"), its subsidiaries and Parent's shareholders by encouraging
ownership of Parent's common stock by consultants and advisors to the
subsidiaries of Parent, in order to promote long-term shareholder value through
continuing ownership of Parent's common stock.

         2. ADMINISTRATION. The Plan shall be administered by the Subsidiary
Advisor Stock Option Plan Committee (the "Committee") appointed by Parent's
Board of Directors. Members of the Committee shall at all times serve at the
pleasure of Parent's Board of Directors, and Parent's Board of Directors may
appoint a Chairman of the Committee. If at any time a Committee has not been
appointed, the Board of Parent shall have all powers granted to the Committee
under this Plan. The Committee shall have all the powers vested in it by the
terms of the Plan, such powers to include authority (within the limitations
described herein) to prescribe the form of the agreement embodying awards of
nonqualified stock options made under the Plan ("Options"). The Chairman of the
Committee shall have the authority to grant Options under the Plan, provided,
however, that (i) the Chairman grants the Options to individuals included in a
list of optionees approved in advance by the Committee and (ii) the grants will
be subject to approval by the Committee, acting as a whole, in the event of any
proposed grant of shares in excess of 10% of the total shares of Common Stock
remaining available for grant under the Plan. The Committee shall have the power
to construe the Plan, to determine all questions arising thereunder and to adopt
and amend such rules and regulations for the administration of the Plan as it
may deem desirable. Any decisions of the Committee in the administration of the
Plan, as described herein, shall be final and conclusive. The Committee may act
only by a majority of its members in office, except that the members thereof may
authorize any one or more of their number or any other officer of Parent to
execute and deliver documents on behalf of the Committee. No member of the
Committee shall be liable for anything done or omitted to be done by him or by
any other member of the Committee in connection with the Plan, except for his
own willful misconduct or as expressly provided by statute.

         3. PARTICIPATION. All consultants and advisors to the subsidiaries of
Parent who are not employees or directors of Parent or any of its subsidiaries
(each an "Advisor") shall be eligible to receive an Option in accordance with
Section 5 below.

         4. AWARDS UNDER THE PLAN.

         (a) Awards under the Plan shall include only Options, which are rights
to purchase common stock of Parent, having $.01 par value (the "Common Stock").
The Options under the Plan will not be incentive stock options within the
meaning of the Internal Revenue Code of 1986, as amended. Such Options are
subject to the terms, conditions and restrictions specified in Section 5 below.

         (b) There may be issued under the Plan pursuant to the exercise of
Options an aggregate of not more than 500,000 shares of Common Stock, subject to
adjustment as provided in Section 6 below. If any Option is canceled, terminates
or expires unexercised, in whole or in part, any shares of Common Stock that
would otherwise have been issuable pursuant thereto will be available for
issuance under new Options.

         (c) An Advisor to whom an Option is granted (and any person succeeding
to such Advisor's rights pursuant to the Plan) shall have no rights as a
shareholder with respect to any Common Stock issuable pursuant to any such
Option until the date of the issuance of a stock certificate to him for such
shares. Except as provided in Section 6 below, no adjustment shall be made for
dividends, distributions or other

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rights (whether ordinary or extraordinary, and whether in cash, securities or
other property) for which the record date is prior to the date such stock
certificate is issued.

         5. NONQUALIFIED STOCK OPTIONS. Each Option granted under the Plan shall
be evidenced by an agreement in such form as the Committee shall prescribe from
time to time in accordance with the Plan and shall comply with the following
terms and conditions:

         (a) The Option exercise price shall be the "Fair Market Value" (as
herein defined) of the Common Stock subject to such Option on the date the
Option is granted. Fair Market Value shall be the closing sales price of a share
of Common Stock on the date of grant as reported on the Nasdaq SmallCap Market
or, if the Nasdaq SmallCap Market is closed on that date, on the last preceding
date on which the Nasdaq Market was open for trading, but in no event will such
Option exercise price be less than the par value of the Common Stock.

         (b) The Committee (or the Chairman if permitted under Section 2) shall
determine the number of shares of Common Stock subject to each Option granted to
an Advisor and, subject to Section 5(d) hereof, the vesting schedule of each
such Option. Notwithstanding the foregoing, once such Options become
outstanding, an Advisor will still be entitled to the anti-dilution adjustments
provided for in Section 6 hereof.

         (c) The Option shall not be transferable by the optionee otherwise than
by will or the laws of descent and distribution, and shall be exercisable during
his lifetime only by him.

         (d) Options shall not be exercisable:

                  (i) except pursuant to the vesting schedule established by the
Committee and after the expiration of ten years from the date it is granted.

                  (II) UNLESS PAYMENT IN FULL IS MADE FOR THE SHARES OF COMMON
STOCK BEING ACQUIRED THEREUNDER AT THE TIME OF EXERCISE, SUCH PAYMENT SHALL BE
MADE IN UNITED STATES DOLLARS BY CASH OR CHECK, OR IN LIEU THEREOF, BY TENDERING
TO THE COMPANY COMMON STOCK OWNED BY THE PERSON EXERCISING THE OPTION AND HAVING
A FAIR MARKET VALUE EQUAL TO THE CASH EXERCISE PRICE APPLICABLE TO SUCH OPTION,
OR BY A COMBINATION OF UNITED STATES DOLLARS AND COMMON STOCK AS AFORESAID; AND

                  (iii) unless the person exercising the Option has been an
Advisor at all times during the period beginning with the date of grant of the
Option and ending on the date of such exercise, except that if any person to
whom an Option has been granted shall die holding an Option that has not expired
and has not been fully exercised, his executors, administrators, heirs or
distributees, as the case may be, may, at any time within one year after the
date of such death (but in no event after the Option has expired under the
provisions of subparagraph 5(d)(i) above), exercise the Option with respect to
any shares subject to the Option.

         6. DILUTION AND OTHER ADJUSTMENTS. In the event of any change in the
outstanding Common Stock of Parent by reason of any stock split, stock dividend,
split-up, split-off, spin-off, recapitalization, merger, consolidation, rights
offering, reorganization, combination or exchange of shares, a sale by Parent of
substantially all of its assets, any distribution to shareholders other than a
normal cash dividend, or other extraordinary or unusual event, the number or
kind of shares that may be issued under the Plan pursuant to subparagraph 4(b)
above, and the number or kind of shares subject to, and the Option price per
share under, all outstanding Options shall be automatically adjusted so that the
proportionate interest of the participant shall be maintained as before the
occurrence of such event; such adjustment in outstanding Options shall be made
without change in the total Option exercise price applicable to the unexercised
portion of such Options and with a corresponding adjustment in the Option
exercise price per share, and such adjustment shall be conclusive and binding
for all purposes of the Plan.

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         7.  MISCELLANEOUS PROVISIONS.

         (a) Except as expressly provided for in the Plan, no Advisor or other
person shall have any claim or right to be granted an Option under the Plan.
Neither the Plan nor any action taken hereunder shall be construed as giving any
Advisor the right to be retained under contract by the Company or any of its
subsidiaries.

         (b) An Advisor's rights and interest under the Plan may not be assigned
or transferred, hypothecated or encumbered in whole or in part either directly
or by operation of law or otherwise (except in the event of a participant's
death, by will or the laws of descent and distribution), including, but not by
way of limitation, execution, levy, garnishment, attachment, pledge, bankruptcy
or in any other manner, and no such right or interest of any participant in the
Plan shall be subject to any obligation or liability of such participant.

         (c) Common Stock shall not be issued hereunder unless counsel for
Parent shall be satisfied that such issuance will be in compliance with
applicable federal, state, local and foreign securities, securities exchange and
other applicable laws and requirements.

         (d) It shall be a condition to the obligation of Parent to issue Common
Stock upon exercise of an Option, that the participant (or any beneficiary or
person entitled to act under subsection 5(d)(iii)(B) above) pay to Parent, upon
its demand, such amount as may be requested by Parent for the purpose of
satisfying any liability to withhold federal, state, local or foreign income or
other taxes. If the amount requested is not paid, Parent may refuse to issue
such Common Stock.

         (e) The expenses of the Plan shall be borne by Parent.

         (f) By accepting any Option or other benefit under the Plan, each
Advisor and each person claiming under or through him shall be conclusively
deemed to have indicated his acceptance and ratification of, and consent to, any
action taken under the Plan by Parent or the Committee.

         (g) The appropriate officers of Parent shall cause to be filed any
reports, returns or other information regarding Options hereunder or any Common
Stock issued pursuant hereto as may be required by Section 13 or 15(d) of the
Securities Exchange Act of 1934, as amended, or any other applicable statute,
rule or regulation.

         8. AMENDMENT OR DISCONTINUANCE. The Plan may be amended at any time and
from time to time by the Committee as the members thereof shall deem advisable;
provided, however, that no amendment shall become effective without shareholder
approval if such shareholder approval is required by law, rule or regulation,
and in no event shall the Plan be amended more than once every six months, other
than to comport with changes in the Internal Revenue Code of 1986, as amended,
the Employee Retirement Income Security Act or the rules thereunder. No
amendment of the Plan shall materially and adversely affect any right of any
participant with respect to any Option theretofore granted without such
participant's written consent.

         9. TERMINATION. This Plan shall terminate upon the earlier of a
resolution of the Committee terminating the Plan or ten years from the Effective
Date. No termination of the Plan shall materially and adversely affect any of
the rights or obligations of any person, without his consent, under any Option
theretofore granted under the Plan.

         10. EFFECTIVE DATE OF PLAN. The Plan will become effective on the date
of its approval by the Board of Directors of Parent (the "Effective Date").

               APPROVED BY THE BOARD OF DIRECTORS ON MAY 31, 2000.

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