Document:

Exhibit 10(ii)

                              Employment Agreement

         THIS Employment Agreement (this "Agreement") is entered into effective
the 9th day of November, 2001, by and between Camco Financial Corporation, a
savings and loan holding company incorporated under the laws of the State of
Delaware ("Camco"), the principal office of which is located at 6901 Glenn
Highway, Cambridge, Ohio, and Larry A. Caldwell (the "Employee"), an individual
whose residential address is 10491 Rock Hill Road, Cambridge, Ohio 43725;

                                   WITNESSETH:

         WHEREAS, the Employee has been employed by Camco and/or its
subsidiaries for 44 years, most recently as the Chairman of the Board of Camco
and Chairman of the Board of Advantage Bank, a wholly-owned subsidiary of Camco;

         WHEREAS, the Employee and Camco have agreed that the Employee will
retain the position of Chairman of the Board of the Company and Advantage Bank
but will reduce his responsibilities and involvement in other aspects of the
business of Camco; and

         WHEREAS, as a result of the skill, knowledge, experience and
performance of the Employee, Camco desires to continue to retain the services of
the Employee as Chairman of the Board of Camco and Advantage Bank in accordance
with the terms and conditions of this Agreement;

         NOW, THEREFORE, in consideration of the mutual covenants herein
contained and other good and valuable considerations, the receipt and
sufficiency of which is hereby acknowledged, Camco and the Employee agree as
follows:

         1. Employment and Term. The Employee shall continue to serve as the
Chairman of the Board of Camco and Advantage Bank for the period commencing on
the date of this Agreement and ending on November 8, 2002 (the "Initial Term").
At the end of the Initial Term and each year thereafter, this Agreement may be
extended for periods of one year each by Camco's Board of Directors ("Board") at
its sole and exclusive discretion, subject to the Employee's acceptance thereof.
The Initial Term of this Agreement, together with each extension period, is
hereinafter referred to as the "Term".

         2.       Duties of Employee.

                  (a) General Duties and Responsibilities. The Employee shall
serve as the Chairman of the Board of Camco and Advantage Bank; shall perform
the duties and responsibilities hereinafter set forth to the best of his ability
and in accordance with (i) the policies established by the Board and (ii) all
applicable laws and regulations.

<PAGE>
                           The Employee's duties shall include (i) presiding at
meetings of the Board and the  shareholders  of Camco and the board of directors
of  Advantage  Bank;  (ii)  identifying  merger and  acquisition  prospects  and
evaluating,  analyzing and  negotiating  merger and  acquisition  opportunities;
(iii)  assisting  Camco  in  presentations  to  and  communications  with  stock
analysts,  investment bankers and stockholders;  (iv) advising senior management
of  Camco  and  Advantage  Bank;  (v)  participating  in  regulatory  and  trade
association   programs  and   activities;   (vi)  advising  and  assisting  with
legislative  issues  affecting  Camco or  Advantage  Bank;  and (vii) such other
matters as the Board and the Employee shall mutually agree upon.

                  (b) Devotion of Time to Camco's Business. The Employee shall
devote 1,000 hours per year to the faithful performance of his duties under this
Agreement. The Employee shall not directly or indirectly render any services of
a business, commercial or professional nature to any person or organization
without the prior written consent of the Board; provided, however, that the
Employee shall not be precluded from: (i) reasonable participation in community,
civic, charitable or similar organizations; (ii) reasonable participation in
industry-related activities including, but not limited to, attending
industry-related and trade association (national and state) conventions,
conferences and committee meetings, and holding positions of responsibility
therein; (iii) serving as an officer and/or director of Camco's subsidiaries and
receiving and retaining compensation, directors' fees and other benefits
therefrom; or (iv) the pursuit of personal investments that do not interfere or
conflict with the performance of the Employee's duties for Camco.

         3.       Compensation, Benefits and Reimbursements.

                  (a) Salary. The Employee shall receive an annual salary
payable in equal installments not less often than monthly. The amount of the
annual salary shall be $118,000. Any directors' fees received by Employee,
whether paid by Camco or any other entity, shall be in addition to the salary
provided for in this Agreement and may be retained by Employee in their
entirety.

                  (b) Expenses. In addition to any compensation received under
Section 3(a), Camco shall pay or reimburse the Employee for all reasonable
travel, entertainment and miscellaneous expenses incurred in connection with the
performance of his duties under this Agreement including participation in
industry-related activities. Such reimbursement shall be made in accordance with
the existing policies and procedures of Camco pertaining to reimbursement of
expenses to senior management officials.

                  (c) Employee Benefits. During the Term, the Employee shall be
entitled to participate in all tax-qualified employee benefit plans that are
maintained by Camco from time to time during the Term (collectively, the
"Benefit Plans"), unless the Employee's participation is prohibited by law or
the express terms of such Benefit Plans.

                          The Employee shall be entitled to a distribution under
Camco's  incentive  bonus plan when bonuses are awarded in 2002.  The Employee's
bonus shall be pro-rated based on the Employee's service to Camco for the period

                                      -2-
<PAGE>

beginning  January  1,  2001  to the  date  of this  Agreement.  Except  for the
foregoing  distribution,  the  Employee  shall  not  be  a  participant  in  any
non-tax-qualified  benefit plan of Camco or  Advantage  Bank with respect to any
period after the date of this Agreement.

                  (d) Vacation and Sick Leave.  The Employee shall not be
entitled to paid vacation or sick leave without the prior written consent of the
Board.

                  (e) Other Benefits. Employee shall be entitled to the
full-time use of a company-owned automobile. Camco shall be responsible for the
cost of obtaining collision and liability insurance for the automobile and shall
pay for all other costs of operating the automobile including fuel, maintenance
and repair. During the Term, Camco shall pay Employee's membership dues at the
Cambridge Country Club.

         4. Termination of Employment. Camco may terminate the employment of the
Employee at any time. In the event that Camco terminates the employment of the
Employee during the Term because of the Employee's personal dishonesty,
incompetence, willful misconduct, breach of fiduciary duty involving personal
profit, intentional failure or refusal to perform the duties and
responsibilities assigned in this Agreement, willful violation of any law, rule,
regulation or final cease-and-desist order (other than traffic violations or
similar offenses), conviction of a felony or for fraud or embezzlement, or
material breach of any provision of this Agreement (collectively, "Just Cause"),
the Employee shall have no right to receive any compensation or other benefits
for any period after such termination. If the employment of the Employee is
terminated during the Term for any reason other than Just Cause, the Employee,
depending on the circumstances, shall be entitled to the following:

                  (a) Termination After Change of Control. If, in connection
with or within one year of a Change of Control (hereinafter defined) of Camco,
Camco terminates the employment of the Employee for any reason other than Just
Cause, or if the Employee elects to terminate his employment, then the following
shall occur:

                           (i)      If the Change of Control occurs prior to
November 9, 2004 (provided this Agreement is still in effect at such time) Camco
shall promptly pay to the Employee or to his beneficiaries, dependents or estate
an amount equal to $353,999.

                           (ii)     If the Change of Control occurs after
November 9, 2004 but before November 9, 2005 (provided this Agreement is still
in effect at such time),  Camco shall promptly pay to the  Employee or to his
beneficiaries, dependents or estate an amount equal to $236,000.

                           (iii)    If the Change of Control occurs after
November 9, 2005 but before November 9, 2006 (provided this Agreement is still
in effect at such time), Camco shall  promptly pay to the Employee or to his
beneficiaries, dependents or estate an amount equal to $118,000.

                           (iv)     The Employee shall not be required to
mitigate the amount of any payment provided for in this Agreement, whether in
this paragraph or elsewhere in this  Agreement, by seeking other employment or
otherwise, nor shall any amounts received from other employment or otherwise by
the Employee offset in any manner the obligations of Camco hereunder.

                                      -3-
<PAGE>

                           A "Change of Control" shall mean any one of the
following  events:  (i) the  acquisition of ownership or power to vote more than
25% of the voting stock of Camco; (ii) the acquisition of the ability to control
the election of a majority of the directors of Camco; (iii) during any period of
two consecutive years individuals who at the beginning of such period constitute
the  Board  cease for any  reason to  constitute  at least a  majority  thereof;
provided, however, that any individual whose election or nomination for election
as a member of the Board was  approved by a vote of at least  two-thirds  of the
directors then in office shall be considered to have continued to be a member of
the  Board;  or (iv) the  acquisition  by any  person or  entity of  "conclusive
control"  of  Camco  within  the  meaning  of  12  C.F.R.  ss.574.4(a),  or  the
acquisition by any person or entity of "rebuttable  control"  within the meaning
of 12 C.F.R. ss.574.4(b) that has not been rebutted in accordance with 12 C.F.R.
ss.574.4(c).  For purposes of this  paragraph,  the term  "person"  refers to an
individual  or   corporation,   partnership,   trust,   association,   or  other
organization,  but does not include the  Employee and any person or persons with
whom the  Employee is "acting in concert"  within the meaning of 12 C.F.R.  Part
574.

                  (b) Termination without Change of Control. In the event Camco
terminates the employment of the Employee for any reason other than Just Cause
and the termination is not covered by the provisions of subsection (a) of this
Section 4, Camco shall be obligated to continue to pay on a monthly basis to the
Employee, his designated beneficiaries or his estate, his annual salary provided
pursuant to Section 3 of this Agreement for the unexpired Term. The Employee may
choose, in lieu of monthly payments of the amounts set forth above, to receive a
lump sum payment equal to the present value of such payments. For purposes of
computing such lump-sum payment, the parties shall use a discount rate of five
percent (5%).

                  (c) Death of the Employee. The Employment Term automatically
terminates upon the death of the Employee. In the event of such death, the
Employee's estate shall be entitled to receive the compensation due the Employee
through the last day of the calendar month in which the death occurred.

         5. Consolidation, Merger or Sale of Assets. Nothing in this Agreement
shall preclude Camco from consolidating with, merging into, or transferring all,
or substantially all, of its assets to another corporation that assumes all of
Camco's obligations and undertakings hereunder. Upon such a consolidation,
merger or transfer of assets, the term "Camco" as used herein, shall mean such
other corporation or entity and this Agreement shall continue in full force and
effect.

         6. Confidential Information. The Employee acknowledges that during his
employment he has learned, will learn and will have access to confidential
information regarding Camco and its customers and business. The Employee agrees
and covenants not to disclose or use for his own benefit or the benefit of any
other person or entity any confidential information, unless or until Camco
consents to such disclosure or use or such information becomes common knowledge

                                      -4-
<PAGE>

in the industry or is otherwise legally in the public domain. The Employee shall
not knowingly disclose or reveal to any unauthorized person any confidential
information relating to Camco, its subsidiaries or affiliates, or to any of the
businesses operated by them, and the Employee confirms that such information
constitutes the exclusive property of Camco. The Employee shall not otherwise
knowingly act or conduct himself (i) to the material detriment of Camco, its
subsidiaries or affiliates or (ii) in a manner which is inimical or contrary to
the interests of Camco.

         7. Nonassignability. Neither this Agreement nor any right or interest
hereunder shall be assignable by the Employee, his beneficiaries or legal
representatives without Camco's prior written consent; provided, however, that
nothing in this Section 7 shall preclude (i) the Employee from designating a
beneficiary to receive any benefits payable hereunder upon his death or (ii) the
executors, administrators or other legal representatives of the Employee or his
estate from assigning any rights hereunder to the person or persons entitled
thereto.

         8. No Attachment. Except as required by law, no right to receive
payment under this Agreement shall be subject to anticipation, commutation,
alienation, sale, assignment, encumbrance, charge, pledge or hypothecation or to
execution, attachment, levy or similar process of assignment by operation of
law, and any attempt, voluntary or involuntary, to effect any such action shall
be null, void and of no effect.

         9.  Binding Agreement.  This Agreement shall be binding upon, and inure
to the  benefit  of, the Employee and Camco and their respective  permitted
successors and assigns.

         10. Amendment of Agreement.  This Agreement may not be modified or
amended, except by an instrument in writing signed by the parties hereto.

         11. Waiver. No term or condition of this Agreement shall be deemed to
have been waived, nor shall there be an estoppel against the enforcement of any
provision of this Agreement, except by written instrument of the party charged
with such waiver or estoppel. No such written waiver shall be deemed a
continuing waiver, unless specifically stated therein, and each waiver shall
operate only as to the specific term or condition waived and shall not
constitute a waiver of such term or condition for the future or as to any act
other than the act specifically waived.

         12. Severability. If, for any reason, any provision of this Agreement
is held invalid, such invalidity shall not affect the other provisions of this
Agreement not held so invalid, and each such other provision shall, to the full
extent consistent with applicable law, continue in full force and effect. If
this Agreement is held invalid or cannot be enforced, then any prior agreement
between Camco (or any predecessor thereof) and the Employee shall be deemed
reinstated to the full extent permitted by law, as if this Agreement had not
been executed.

         13.  Headings.  The headings of the paragraphs herein are included
solely for convenience of  reference and shall not control  the  meaning or
interpretation of any of the provisions of this Agreement.

                                      -5-
<PAGE>

         14. Governing Law.  This Agreement has been executed and delivered in
the State of Ohio, and its validity, interpretation, performance and enforcement
shall be  governed  by the laws of the State of Ohio,  except to the extent that
federal or Delaware law is governing.

         15. Effect of Prior Agreements.  This Agreement contains the entire
understanding  between the parties hereto and  supersedes  any prior  employment
agreement between Camco, or any predecessor of Camco, and the Employee.

         IN WITNESS WHEREOF, Camco has caused this Agreement to be executed by
its duly authorized officers, and the Employee has signed this Agreement, all as
of the day and year first above written.

Attest:                                            CAMCO FINANCIAL CORPORATION

/s/ Anita L. Frencik                               By:  /s/ Richard C. Baylor
                                                          Richard C. Baylor
Its Assistant Secretary                                    Its President

Witness:

 /s/ Sharon K. Chorey                               /s/ Larry A. Caldwell
                                                   Larry A. Caldwell

                                      -6-Exhibit 10.17

                          MARKET DEVELOPMENT AGREEMENT
                          ----------------------------

     THIS MARKETING DEVELOPMENT AGREEMENT ("Agreement") is made and entered into
by and between, on the one hand, Norit America Inc., having its principal place
of business at 5775 Peachtree Dunwoody Road, Suite C - 250, Atlanta, Georgia
30342 (hereinafter referred to as "Norit"), and Earth Sciences, Inc. and its
wholly-owned subsidiary, ADA Environmental Solutions LLC, having their principal
place of business at 8100 South Park Way, B-2, Littleton, Colorado 80120
(hereinafter jointly referred to as "ADA"), on the other hand.

WHEREAS, a long-term commitment, significant expense and risk are associated
with the investments required to develop an adsorbent supply capability in
anticipation of future EPA regulations for the removal of mercury from coal
fired utility stacks and,

WHEREAS, Norit and ADA are and have been collaborating to develop solutions for
the reduction of mercury emissions and,

WHEREAS, ADA and Norit desire to form a business relationship for a potential
market to mitigate their independent investment risks and increase the
probability of an economic return on these investments.

NOW, THEREFORE, in consideration of the premises, the mutual promises and
agreements contained herein, and other good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, the parties hereto
agree as follows:

1.   Market and Estimated Time Periods:

The target market is defined as North American coal-fired utilities (non wet
scrubber portion), investing in adsorbent technology and equipment for mercury
removal in accordance with the anticipated year 2007 EPA regulations ("NACFUM").
Norit and ADA acknowledge the following as being the defined and estimated
applicable periods for purposes of this Agreement:

     o    Test Period: 2001-03 (est.)
     o    Regulatory Review Period: 2004 (est.)
     o    Early Adopter Period: 2004-2007 (est.)
     o    Commercial Period: 2007-2015

2.   ADA Responsibilities:

ADA shall be responsible for:

     o    Adsorbent identification, technical and economic ranking and
          demonstration testing.
     o    Market development and sales coverage.
     o    System and equipment contract negotiations; project execution and
          management; installation oversight.

3.   Norit Responsibilities:

Norit shall manufacture and/or supply activated carbon or other adsorbents
pursuant to Norit supply agreements with ADA or directly with the NACFUM
utilities and design contracts and equipment supply (when economic) for powder
activated carbon dosing systems.

4.   Mutual Commitment and Exclusivity:

Subject to the performance requirements and other limitations below, ADA will
exclusively execute all contract designs and projects with Norit-supplied
activated carbons or adsorbent products. ADA will rely exclusively on Norit's
designs for activated carbon/adsorbent dosing systems in the Early Adopter
Period. In the Commercial Period (2007-2015), ADA shall exclusively represent
Norit for activated carbons or other adsorbents as to NACFUM. In the Early
Adopter Period and Commercial Period, ADA will be the exclusive sales
representative of Norit for activated Carbon sales to NACFUM.

5.   Performance Requirements

For ADA to maintain exclusivity, Norit's activated carbon or other adsorbent
products, must represent at least 50% of the unit (lbs.) sales to NACFUM early
adopters in each year of the Early Adopter Period. In the Commercial Period,
specific annual minimum sales targets will be mutually established for ADA to
maintain its exclusivity.

For Norit to maintain exclusivity, Norit must supply activated carbons, or its
other adsorbents, at prices and in quantities sufficient to meet the demands of
NACFUM early adopters. To maintain exclusivity in the Commercial Period, Norit
must supply activated carbon, or its other adsorbents, at prices and in
quantities sufficient to allow ADA to meet its minimum exclusivity targets.

Upon written notice of performance requirements default under Paragraph 5, and a
failure to cure by Norit, within ninety (90) days, the exclusivity protection
favoring Norit shall be terminated and ADA may specify other non-Norit activated
carbons or adsorbents.

Upon written notice of performance requirements default under Paragraph 5, and a
failure to cure by ADA, within ninety (90) days, the exclusivity protection
favoring ADA shall be terminated and Norit shall not be limited as to its supply
to NACFUM.

However, the above default provisions relate to exclusivity only and shall not
otherwise affect the parties operating under this Agreement on a non-exclusive
basis.

6.   Right of First Refusal:

If during the Test Period, or at any time prior to a contract renewal or
renegotiation (as described below in Paragraph 7), ADA identifies, in good
faith, a New Adsorbent/Technology (as defined below), ADA shall promptly provide
Norit with written notice as to the details of any such New Adsorbent/Technology
and Norit shall have a Right of First Refusal to commit to supply the New
Adsorbent/Technology, or equivalent. Norit shall have 180 days from ADA's
written notice to exercise its Right of First Refusal by giving written notice
to ADA and by entering into a new marketing and supply agreement with ADA. In
the event that either ADA or Norit wishes to proceed, but Norit and ADA are
unable in good faith to negotiate a new marketing and supply agreement, then
either ADA or Norit, or both of them, may terminate this Agreement without any
liability or obligation to the other party.

"New Adsorbent/Technology", for purposes of this Paragraph 6 and ADA's
identification and this Right of First Refusal, shall mean: a) a new adsorbent
or alternative mercury removal method or technology with performance superior to
any of Norit's activated carbon products (which are available in commercial
quantities), and b) a product or technology included in the EPA regulatory
proposal, and c) an article of commerce which can be supplied at the time of
ADA's notice in comparable quantities to Norit's activated carbon products.

7.   Contract Renewal/Termination:

In light of the investments required to serve the market, ADA and Norit agree to
review and either renew or renegotiate this Agreement in good faith, and subject
to legal review, during the Regulatory Review Period (2004 est.). Either party
may, at its option, terminate this Agreement, without liability, penalty or
limitations on activities in the event that, for whatever reason, no agreement
renewal or renegotiated Agreement is concluded in good faith. Termination of
this Agreement shall also be allowed as set forth in the Terms and Conditions
attached.

8.   Commissions/Payment:

For Norit activated carbon or adsorbent sales to NACFUM, Norit will pay ADA a
commission equal to 10% of the net per lb. sales price (FOB Norit's factory).
Norit will also pay ADA a commission equal to 5% of net sales (FOB Norit
factory) for dosing designs or equipment that Norit supplies directly, with ADA
consent, to NACFUM. No Commission will be paid on dosing designs or equipment
sold to ADA. Where there has been a performance default under paragraph 5 by
ADA, ADA will only be paid commission on sales of adsorbents, dosing designs and
equipment, which originate through the efforts of ADA. All commissions are
payable at the time of Norit's receipt of payment.

ADA and Norit agree to renegotiate in good faith the commission schedule, up or
down, as market conditions, new product introductions or other changes or
conditions increase or decrease the NACFUM profit opportunity.

9.   Complete Agreement:

This Agreement, including the Terms and Conditions of Market Development
Agreement and the mutual Confidentiality and Non-Disclosure Agreement both
attached, contains the entire agreement between the parties with respect to the
subject matter hereof. This Agreement has first been executed by ADA and then
accepted and finally executed by Norit at its offices in Atlanta, Georgia.

"Norit"                                      "ADA"
Norit Americas Inc.                          Earth Sciences, Inc.

By: David A. Perry                           By: /s/ Mark H. McKinnies

Title: Executive Vice President              Title: President

Date: 7/3/01                                 Date: 6/29/01

                                             ADA Environmental Solutions, LLC

                                             By: /s/ Michael D. Durham

                                             Title:President

                                             Date: 6/29/01

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